ESAF Small Finance Bank (ESAFSFB) — Cash Flow Quality Index
ESAF Small Finance Bank (ESAFSFB) has a Cash Flow Quality Index of -4.60x as of September 2023. Operating cash flow of Rs-6.45 Billion is below net income of Rs1.40 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore ESAF Small Finance Bank cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
ESAF Small Finance Bank Cash Flow Quality Index (2016–2023)
Historical Cash Flow Quality Index for ESAF Small Finance Bank across 8 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see ESAFSFB cash flow metrics.
Annual Cash Flow Quality Index for ESAF Small Finance Bank (2016–2023)
Year-by-year earnings quality comparison for ESAF Small Finance Bank.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2023 | -9.87x | Rs-42.01 Billion | Rs4.26 Billion | ▼ -23.3% |
| 2022 | -8.01x | Rs-24.21 Billion | Rs3.02 Billion | ▼ -200.6% |
| 2021 | 7.96x | Rs5.88 Billion | Rs738.50 Million | ▲ +233.5% |
| 2020 | -5.97x | Rs-8.44 Billion | Rs1.41 Billion | ▼ -633.8% |
| 2019 | 1.12x | Rs2.13 Billion | Rs1.90 Billion | ▼ -19.4% |
| 2018 | 1.39x | Rs1.25 Billion | Rs902.84 Million | ▼ -79.6% |
| 2017 | 6.79x | Rs2.98 Billion | Rs438.41 Million | ▲ +112.8% |
| 2016 | -53.11x | Rs-1.17 Billion | Rs21.96 Million | — |