ESAF Small Finance Bank (ESAFSFB) — Cash Flow-to-Debt Ratio
ESAF Small Finance Bank (ESAFSFB) has a Cash Flow-to-Debt Ratio of -0.06x as of September 2025, meaning its operating cash flow of Rs-14.48 Billion could theoretically repay 0% of its total liabilities (Rs253.75 Billion) in one year. Explore ESAF Small Finance Bank long-term investment intensity to see how much of total assets are deployed in long-term investments.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
ESAF Small Finance Bank Cash Flow-to-Debt Ratio (2016–2025)
Historical debt coverage capacity for ESAF Small Finance Bank across 10 annual periods. Also explore ESAF Small Finance Bank asset portfolio for the complete picture of this company's asset base.
Annual Cash Flow-to-Debt Ratio for ESAF Small Finance Bank (2016–2025)
Year-by-year debt coverage analysis for ESAF Small Finance Bank. For market capitalisation and broader financial context, see ESAF Small Finance Bank (ESAFSFB) total market value.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | Rs4.92 Billion | Rs290.81 Billion | ▲ +283.7% |
| 2024 | -0.01x | Rs-2.32 Billion | Rs252.29 Billion | ▲ +94.8% |
| 2023 | -0.18x | Rs-42.01 Billion | Rs235.95 Billion | ▼ -36.1% |
| 2022 | -0.13x | Rs-24.21 Billion | Rs185.09 Billion | ▼ -462.4% |
| 2021 | 0.04x | Rs5.88 Billion | Rs162.96 Billion | ▲ +147.0% |
| 2020 | -0.08x | Rs-8.44 Billion | Rs109.87 Billion | ▼ -402.5% |
| 2019 | 0.03x | Rs2.13 Billion | Rs83.86 Billion | ▲ +24.9% |
| 2018 | 0.02x | Rs1.25 Billion | Rs61.65 Billion | ▼ -70.1% |
| 2017 | 0.07x | Rs2.98 Billion | Rs43.82 Billion | ▲ +253.3% |
| 2016 | -0.04x | Rs-1.17 Billion | Rs26.32 Billion | — |