ESAF Small Finance Bank (ESAFSFB) - Cash Flow Conversion Efficiency

Latest as of September 2025: -0.826x

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. See ESAFSFB defensive asset coverage days to measure how many days the company can operate on defensive assets alone.

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

This chart illustrates how ESAF Small Finance Bank's cash flow conversion efficiency has evolved over time, based on yearly financial data.

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.

Company	Cash Flow Conversion Efficiency
ReposiTrak NASDAQ:TRAK	0.045x
Schaffer Corporation Ltd AU:SFC	0.049x
Elme Communities NYSE:ELME	0.001x
Sarfati TA:SRFT	-0.441x
Reach Subsea OL:REACH	0.131x
Hanyang Securities Co Ltd KO:001755	3.040x
Falcon Oil & Gas Ltd F:FAC	-0.012x
Asian Sea Corporation Public Company Limited BK:ASIAN	0.060x

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. For the full company profile with market capitalisation and key ratios, see how much is ESAF Small Finance Bank worth.

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

$178.57 Million

Rs16.51 Billion INR

Market Cap Rank

#17095 Global

#895 in India

Share Price

Rs32.02

Change (1 day)

+3.86%

52-Week Range

Rs19.86 - Rs35.49

All Time High

Rs77.55