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 ESAF Small Finance Bank net asset quality index to measure how much of total assets are equity-financed.

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. Check ESAFSFB cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.

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
SIGA Technologies Inc NASDAQ:SIGA	0.000x
Beetaloo Energy Australia Limited AU:BTL	-0.055x
Medallion Metals Ltd AU:MM8	-0.155x
Integrated Wind Solutions AS OL:IWS	0.055x
Dk Tech Co.Ltd KQ:290550	0.079x
Shanghai Jin Jiang International Hotels Development Co Ltd B SHG:900934	0.084x
Shanghai Xintonglian Packaging Co Ltd SHG:603022	0.007x
Illumination Acquisition Corp I Class A Ordinary Shares NASDAQ:ILLU	N/A

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 market value of ESAF Small Finance Bank.

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

$234.51 Million

Rs21.68 Billion INR

Market Cap Rank

#15861 Global

#816 in India

Share Price

Rs42.05

Change (1 day)

+15.27%

52-Week Range

Rs19.86 - Rs42.05

All Time High

Rs77.55