Jana Small Finance Bank (JSFB) — Cash Flow-to-Debt Ratio
Jana Small Finance Bank (JSFB) has a Cash Flow-to-Debt Ratio of -0.07x as of September 2025, meaning its operating cash flow of Rs-25.70 Billion could theoretically repay 0% of its total liabilities (Rs378.73 Billion) in one year. See financial agility of Jana Small Finance Bank to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Jana Small Finance Bank Cash Flow-to-Debt Ratio (2013–2025)
Historical debt coverage capacity for Jana Small Finance Bank across 13 annual periods. For the full cash flow conversion analysis, see Jana Small Finance Bank cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Jana Small Finance Bank (2013–2025)
Year-by-year debt coverage analysis for Jana Small Finance Bank. Check earnings quality score of Jana Small Finance Bank to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | Rs5.94 Billion | Rs429.78 Billion | ▲ +119.2% |
| 2024 | -0.07x | Rs-24.75 Billion | Rs343.45 Billion | ▼ -397.0% |
| 2023 | 0.02x | Rs7.07 Billion | Rs291.33 Billion | ▲ +114.7% |
| 2022 | -0.17x | Rs-39.35 Billion | Rs238.46 Billion | ▼ -464.9% |
| 2021 | 0.05x | Rs8.59 Billion | Rs189.88 Billion | ▲ +32.0% |
| 2020 | 0.03x | Rs6.15 Billion | Rs179.64 Billion | ▼ -52.7% |
| 2019 | 0.07x | Rs9.49 Billion | Rs131.01 Billion | ▼ -77.1% |
| 2018 | 0.32x | Rs27.71 Billion | Rs87.73 Billion | ▲ +78.3% |
| 2017 | 0.18x | Rs14.57 Billion | Rs82.20 Billion | ▲ +192.8% |
| 2016 | -0.19x | Rs-24.16 Billion | Rs126.56 Billion | ▲ +60.8% |
| 2015 | -0.49x | Rs-49.68 Billion | Rs101.92 Billion | ▼ -7.3% |
| 2014 | -0.45x | Rs-17.84 Billion | Rs39.28 Billion | ▲ +11.7% |
| 2013 | -0.51x | Rs-10.27 Billion | Rs19.97 Billion | — |