Ujjivan Small Finance Bank Limited (UJJIVANSFB) — Cash Flow-to-Debt Ratio
Ujjivan Small Finance Bank Limited (UJJIVANSFB) has a Cash Flow-to-Debt Ratio of -0.02x as of September 2025, meaning its operating cash flow of Rs-7.86 Billion could theoretically repay 0% of its total liabilities (Rs432.91 Billion) in one year. See Ujjivan Small Finance Bank Limited leverage flexibility ratio 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
Ujjivan Small Finance Bank Limited Cash Flow-to-Debt Ratio (2017–2026)
Historical debt coverage capacity for Ujjivan Small Finance Bank Limited across 10 annual periods. For the full cash flow conversion analysis, see Ujjivan Small Finance Bank Limited cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Ujjivan Small Finance Bank Limited (2017–2026)
Year-by-year debt coverage analysis for Ujjivan Small Finance Bank Limited. Check Ujjivan Small Finance Bank Limited earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.03x | Rs16.27 Billion | Rs507.26 Billion | ▲ +132.2% |
| 2025 | -0.10x | Rs-41.40 Billion | Rs416.06 Billion | ▼ -295.8% |
| 2024 | 0.05x | Rs17.69 Billion | Rs348.09 Billion | ▲ +39.6% |
| 2023 | 0.04x | Rs10.60 Billion | Rs291.08 Billion | ▼ -70.3% |
| 2022 | 0.12x | Rs25.47 Billion | Rs208.02 Billion | ▼ -20.9% |
| 2021 | 0.15x | Rs26.57 Billion | Rs171.62 Billion | ▲ +653.4% |
| 2020 | -0.03x | Rs-4.26 Billion | Rs152.24 Billion | ▼ -169.8% |
| 2019 | 0.04x | Rs4.78 Billion | Rs119.23 Billion | ▼ -86.4% |
| 2018 | 0.30x | Rs23.14 Billion | Rs78.26 Billion | ▲ +8249.9% |
| 2017 | 0.00x | Rs240.62 Million | Rs67.96 Billion | — |