The Jammu & Kashmir Bank Limited (J&KBANK) — Financial Flexibility Index
The Jammu & Kashmir Bank Limited (J&KBANK) has a Financial Flexibility Index of -0.03x as of March 2026. Free cash flow of Rs-43.92 Billion (operating CF Rs-45.89 Billion minus capex Rs1.97 Billion) represents 0% of total liabilities (Rs1.72 Trillion). Check The Jammu & Kashmir Bank Limited (J&KBANK) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
The Jammu & Kashmir Bank Limited Financial Flexibility Index (2005–2026)
Historical Financial Flexibility Index trend for The Jammu & Kashmir Bank Limited across 22 annual periods. For the full cash flow conversion analysis, see The Jammu & Kashmir Bank Limited operating cash flow efficiency.
Annual Financial Flexibility Index for The Jammu & Kashmir Bank Limited (2005–2026)
Year-by-year free cash flow to debt coverage for The Jammu & Kashmir Bank Limited. Explore how well can The Jammu & Kashmir Bank Limited service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.00x | Rs-589.80 Million | Rs-5.28 Billion | Rs1.72 Trillion | ▲ +99.5% |
| 2025 | -0.07x | Rs-109.64 Billion | Rs-110.66 Billion | Rs1.55 Trillion | ▲ +26.0% |
| 2024 | -0.10x | Rs-135.76 Billion | Rs-135.89 Billion | Rs1.42 Trillion | ▲ +2.7% |
| 2023 | -0.10x | Rs-2.84 Billion | Rs-4.07 Billion | Rs28.92 Billion | ▼ -710.0% |
| 2022 | -0.01x | Rs-14.83 Billion | Rs-15.68 Billion | Rs1.22 Trillion | ▼ -2322.0% |
| 2021 | 0.00x | Rs618.17 Million | Rs-141.65 Million | Rs1.13 Trillion | ▼ -98.8% |
| 2020 | 0.04x | Rs44.89 Billion | Rs43.74 Billion | Rs1.02 Trillion | ▲ +246.8% |
| 2019 | -0.03x | Rs-28.27 Billion | Rs-29.92 Billion | Rs947.83 Billion | ▼ -198.6% |
| 2018 | 0.03x | Rs25.27 Billion | Rs23.63 Billion | Rs835.27 Billion | ▼ -30.4% |
| 2017 | 0.04x | Rs33.18 Billion | Rs24.57 Billion | Rs763.39 Billion | ▲ +3961.8% |
| 2016 | 0.00x | Rs-831.08 Million | Rs-2.19 Billion | Rs738.33 Billion | ▼ -121.4% |
| 2015 | 0.01x | Rs3.67 Billion | Rs1.18 Billion | Rs699.56 Billion | ▲ +172.7% |
| 2014 | -0.01x | Rs-5.26 Billion | Rs-6.83 Billion | Rs728.91 Billion | ▼ -135.3% |
| 2013 | 0.02x | Rs13.66 Billion | Rs12.80 Billion | Rs668.70 Billion | ▼ -8.0% |
| 2012 | 0.02x | Rs12.47 Billion | Rs11.76 Billion | Rs561.70 Billion | ▲ +341.9% |
| 2011 | -0.01x | Rs-4.32 Billion | Rs-6.59 Billion | Rs470.24 Billion | ▲ +66.0% |
| 2010 | -0.03x | Rs-10.68 Billion | Rs-11.09 Billion | Rs395.31 Billion | ▼ -194.2% |
| 2009 | 0.03x | Rs10.05 Billion | Rs9.65 Billion | Rs350.65 Billion | ▼ -7.3% |
| 2008 | 0.03x | Rs9.42 Billion | Rs9.01 Billion | Rs304.47 Billion | ▼ -45.1% |
| 2007 | 0.06x | Rs15.02 Billion | Rs14.80 Billion | Rs266.38 Billion | ▲ +279.5% |
| 2006 | -0.03x | Rs-7.74 Billion | Rs-8.06 Billion | Rs246.50 Billion | ▼ -279.5% |
| 2005 | 0.02x | Rs3.98 Billion | Rs3.48 Billion | Rs227.57 Billion | — |