ESAF Small Finance Bank Cash Flow Conversion Efficiency

Latest as of September 2025: -0.826x

ESAF Small Finance Bank cash flow conversion efficiency. Based on the latest financial reports, ESAF Small Finance Bank (ESAFSFB) has a cash flow conversion efficiency ratio of -0.826x as of September 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (Rs-14.48 Billion ≈ $-156.59 Million USD) by net assets (Rs17.54 Billion ≈ $189.66 Million USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.

Cash Flow Conversion Efficiency of ESAF Small Finance Bank (2016–2025)

Cash flow conversion efficiency of ESAF Small Finance Bank from 2016 to 2025. This chart illustrates how ESAF Small Finance Bank's cash flow conversion efficiency has evolved over time, based on yearly financial data. View ESAF Small Finance Bank stock quote for real-time trading data and today's change.

ESAF Small Finance Bank Cash Flow Conversion Ratio Explained

ESAF Small Finance Bank cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.

ESAF Small Finance Bank Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of ESAF Small Finance Bank ranked by their cash flow conversion efficiency. Also see ESAFSFB stock market capitalisation for the company's overall valuation and market capitalisation.

Company	Cash Flow Conversion Efficiency
Anhui Fuhuang Steel Structure Co Ltd SHE:002743	-0.012x
Junee Limited Ordinary Shares NASDAQ:JUNE	-0.059x
RGC Resources Inc NASDAQ:RGCO	0.048x
Colombier Acquisition Corp. II NYSE:CLBR	-0.003x
TrueCar Inc NASDAQ:TRUE	0.111x
Anhui Chaoyue Environmental Protection Technology Co. Ltd. SHE:301049	N/A
Ha Do Group JSC VN:HDG	0.033x
Zhejiang Renzhi Co Ltd SHE:002629	-0.045x

Annual Cash Flow Conversion Efficiency for ESAF Small Finance Bank (2016–2025)

The table below shows the annual cash flow conversion efficiency of ESAF Small Finance Bank from 2016 to 2025. Review ESAFSFB FCF generation index to assess how much free cash flow the company generates relative to operating cash flow.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-12-31	Rs17.87 Billion ≈ $193.21 Million	Rs4.92 Billion ≈ $53.21 Million	0.275x	+331.06%
2024-12-31	Rs19.49 Billion ≈ $210.78 Million	Rs-2.32 Billion ≈ $-25.12 Million	-0.119x	+92.93%
2023-12-31	Rs24.92 Billion ≈ $269.48 Million	Rs-42.01 Billion ≈ $-454.35 Million	-1.686x	-19.42%
2022-12-31	Rs17.15 Billion ≈ $185.47 Million	Rs-24.21 Billion ≈ $-261.85 Million	-1.412x	-438.83%
2021-12-31	Rs14.12 Billion ≈ $152.66 Million	Rs5.88 Billion ≈ $63.61 Million	0.417x	+166.78%
2020-12-31	Rs13.52 Billion ≈ $146.22 Million	Rs-8.44 Billion ≈ $-91.23 Million	-0.624x	-417.79%
2019-12-31	Rs10.84 Billion ≈ $117.24 Million	Rs2.13 Billion ≈ $23.02 Million	0.196x	+40.05%
2018-12-31	Rs8.94 Billion ≈ $96.65 Million	Rs1.25 Billion ≈ $13.55 Million	0.140x	-83.83%
2017-12-31	Rs3.43 Billion ≈ $37.13 Million	Rs2.98 Billion ≈ $32.20 Million	0.867x	+327.35%
2016-12-31	Rs3.06 Billion ≈ $33.07 Million	Rs-1.17 Billion ≈ $-12.61 Million	-0.381x	--

About ESAF Small Finance Bank

NSE:ESAFSFB India Banks - Regional

Market Cap

$225.97 Million

Rs20.90 Billion INR

Market Cap Rank

#15917 Global

#806 in India

Share Price

Rs40.52

Change (1 day)

-4.57%

52-Week Range

Rs19.86 - Rs44.71

All Time High

Rs77.55