Ujjivan Small Finance Bank Limited (UJJIVANSFB) — Financial Flexibility Index

Latest as of September 2025: -0.02x

Ujjivan Small Finance Bank Limited (UJJIVANSFB) has a Financial Flexibility Index of -0.02x as of September 2025. Free cash flow of Rs-6.82 Billion (operating CF Rs-7.86 Billion minus capex Rs1.04 Billion) represents 0% of total liabilities (Rs432.91 Billion). Check total reinvestment intensity of Ujjivan Small Finance Bank Limited to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

-0.02x
Free Cash Flow / Total Liabilities

Free Cash Flow

Rs-6.82 Billion
Operating CF − Capex

Total Liabilities

Rs432.91 Billion
INR

Capital Expenditures

Rs1.04 Billion
INR

Ujjivan Small Finance Bank Limited Financial Flexibility Index (2017–2026)

Historical Financial Flexibility Index trend for Ujjivan Small Finance Bank Limited across 10 annual periods. For the full cash flow conversion analysis, see UJJIVANSFB cash flow metrics.

Annual Financial Flexibility Index for Ujjivan Small Finance Bank Limited (2017–2026)

Year-by-year free cash flow to debt coverage for Ujjivan Small Finance Bank Limited. Explore UJJIVANSFB cash flow to debt 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 0.04x Rs18.11 Billion Rs16.27 Billion Rs507.26 Billion ▲ +137.4%
2025 -0.10x Rs-39.73 Billion Rs-41.40 Billion Rs416.06 Billion ▼ -265.0%
2024 0.06x Rs20.15 Billion Rs17.69 Billion Rs348.09 Billion ▲ +42.1%
2023 0.04x Rs11.85 Billion Rs10.60 Billion Rs291.08 Billion ▼ -67.4%
2022 0.12x Rs25.98 Billion Rs25.47 Billion Rs208.02 Billion ▼ -21.0%
2021 0.16x Rs27.15 Billion Rs26.57 Billion Rs171.62 Billion ▲ +816.0%
2020 -0.02x Rs-3.36 Billion Rs-4.26 Billion Rs152.24 Billion ▼ -142.0%
2019 0.05x Rs6.27 Billion Rs4.78 Billion Rs119.23 Billion ▼ -83.0%
2018 0.31x Rs24.15 Billion Rs23.14 Billion Rs78.26 Billion ▲ +1032.2%
2017 0.03x Rs1.85 Billion Rs240.62 Million Rs67.96 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities