JM Financial Limited (JMFINANCIL) — Financial Flexibility Index
JM Financial Limited (JMFINANCIL) has a Financial Flexibility Index of -0.02x as of September 2025. Free cash flow of Rs-2.87 Billion (operating CF Rs-3.18 Billion minus capex Rs312.10 Million) represents 0% of total liabilities (Rs136.71 Billion). Check JM Financial Limited total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
JM Financial Limited Financial Flexibility Index (2005–2026)
Historical Financial Flexibility Index trend for JM Financial Limited across 21 annual periods. For the full cash flow conversion analysis, see JM Financial Limited operating cash flow efficiency.
Annual Financial Flexibility Index for JM Financial Limited (2005–2026)
Year-by-year free cash flow to debt coverage for JM Financial Limited. Explore JM Financial Limited (JMFINANCIL) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.03x | Rs4.73 Billion | Rs4.09 Billion | Rs151.79 Billion | ▼ -92.1% |
| 2025 | 0.39x | Rs56.03 Billion | Rs55.69 Billion | Rs142.74 Billion | ▲ +99.1% |
| 2024 | 0.20x | Rs36.89 Billion | Rs36.35 Billion | Rs187.08 Billion | ▲ +253.6% |
| 2023 | -0.13x | Rs-23.24 Billion | Rs-24.49 Billion | Rs181.01 Billion | ▲ +38.8% |
| 2022 | -0.21x | Rs-31.86 Billion | Rs-32.03 Billion | Rs151.89 Billion | ▼ -394.5% |
| 2021 | 0.07x | Rs9.76 Billion | Rs9.69 Billion | Rs136.99 Billion | ▼ -71.7% |
| 2020 | 0.25x | Rs31.74 Billion | Rs31.64 Billion | Rs126.11 Billion | ▲ +371.8% |
| 2019 | 0.05x | Rs7.93 Billion | Rs7.72 Billion | Rs148.69 Billion | ▲ +142.4% |
| 2018 | -0.13x | Rs-19.82 Billion | Rs-20.04 Billion | Rs157.67 Billion | ▲ +27.0% |
| 2017 | -0.17x | Rs-20.86 Billion | Rs-21.49 Billion | Rs121.17 Billion | ▼ -45.7% |
| 2016 | -0.12x | Rs-8.84 Billion | Rs-9.04 Billion | Rs74.83 Billion | ▲ +57.6% |
| 2015 | -0.28x | Rs-14.79 Billion | Rs-17.17 Billion | Rs53.07 Billion | ▼ -184.9% |
| 2014 | 0.33x | Rs11.71 Billion | Rs10.58 Billion | Rs35.68 Billion | ▲ +439.6% |
| 2013 | -0.10x | Rs-4.64 Billion | Rs-4.73 Billion | Rs47.97 Billion | ▼ -218.7% |
| 2012 | 0.08x | Rs3.91 Billion | Rs3.83 Billion | Rs47.97 Billion | ▲ +139.1% |
| 2011 | -0.21x | Rs-8.03 Billion | Rs-8.12 Billion | Rs38.56 Billion | ▲ +64.5% |
| 2010 | -0.59x | Rs-13.77 Billion | Rs-13.87 Billion | Rs23.45 Billion | ▼ -163.7% |
| 2009 | 0.92x | Rs4.57 Billion | Rs4.37 Billion | Rs4.95 Billion | ▲ +309.8% |
| 2008 | -0.44x | Rs-7.59 Billion | Rs-7.83 Billion | Rs17.27 Billion | ▼ -230.2% |
| 2007 | 0.34x | Rs3.27 Billion | Rs3.12 Billion | Rs9.67 Billion | ▼ -87.6% |
| 2005 | 2.71x | Rs133.77 Million | Rs133.77 Million | Rs49.33 Million | — |