The Jammu & Kashmir Bank Limited Financial Flexibility Index

Latest as of March 2026: -0.03x

The Jammu & Kashmir Bank Limited 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). See cash generation quality of The Jammu & Kashmir Bank Limited to measure how efficiently the company converts operating cash flow to free cash.

Financial Flexibility Index

-0.03x
Free Cash Flow / Total Liabilities

Free Cash Flow

Rs-43.92 Billion
Operating CF − Capex

Total Liabilities

Rs1.72 Trillion
INR

Capital Expenditures

Rs1.97 Billion
INR

Financial Flexibility Index of The Jammu & Kashmir Bank Limited (2005–2026)

Financial flexibility index of The Jammu & Kashmir Bank Limited from 2005 to 2026. Historical Financial Flexibility Index trend for The Jammu & Kashmir Bank Limited across 22 annual periods. Check The Jammu & Kashmir Bank Limited cash flow quality index to evaluate the quality of earnings relative to operating cash generation.

The Jammu & Kashmir Bank Limited Financial Flexibility Index by Year (2005–2026)

The Jammu & Kashmir Bank Limited financial flexibility index by year from 2005 to 2026. Year-by-year free cash flow to debt coverage for The Jammu & Kashmir Bank Limited. For the full cash flow conversion analysis, see The Jammu & Kashmir Bank Limited (J&KBANK) cash flow conversion.

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 —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities