Ujjivan Small Finance Bank Limited (UJJIVANSFB) — Cash Flow Quality Index
Ujjivan Small Finance Bank Limited (UJJIVANSFB) has a Cash Flow Quality Index of -3.49x as of September 2025. Operating cash flow of Rs-7.86 Billion is below net income of Rs2.25 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Ujjivan Small Finance Bank Limited debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Ujjivan Small Finance Bank Limited Cash Flow Quality Index (2017–2026)
Historical Cash Flow Quality Index for Ujjivan Small Finance Bank Limited across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UJJIVANSFB operating cash flow.
Annual Cash Flow Quality Index for Ujjivan Small Finance Bank Limited (2017–2026)
Year-by-year earnings quality comparison for Ujjivan Small Finance Bank Limited.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 2.35x | Rs16.27 Billion | Rs6.93 Billion | ▲ +141.2% |
| 2025 | -5.70x | Rs-41.40 Billion | Rs7.26 Billion | ▼ -648.7% |
| 2024 | 1.04x | Rs17.69 Billion | Rs17.02 Billion | ▲ +43.9% |
| 2023 | 0.72x | Rs10.60 Billion | Rs14.67 Billion | ▼ -99.7% |
| 2021 | 260.52x | Rs26.57 Billion | Rs101.97 Million | ▲ +28621.1% |
| 2020 | -0.91x | Rs-4.26 Billion | Rs4.66 Billion | ▼ -151.3% |
| 2019 | 1.78x | Rs4.78 Billion | Rs2.68 Billion | ▼ -99.3% |
| 2018 | 270.83x | Rs23.14 Billion | Rs85.43 Million | ▼ -60.6% |
| 2017 | 687.49x | Rs240.62 Million | Rs350.00K | — |