ESAF Small Finance Bank Cash Flow-to-Debt Ratio
ESAF Small Finance Bank 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. Check how high is ESAF Small Finance Bank's earnings quality to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of ESAF Small Finance Bank (2016–2025)
Cash flow-to-debt ratio of ESAF Small Finance Bank from 2016 to 2025. Historical debt coverage capacity for ESAF Small Finance Bank across 10 annual periods. Check ESAFSFB cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
ESAF Small Finance Bank Cash Flow-to-Debt Ratio by Year (2016–2025)
ESAF Small Finance Bank cash flow-to-debt ratio by year from 2016 to 2025. Year-by-year debt coverage analysis for ESAF Small Finance Bank. For the full cash flow conversion analysis, see ESAF Small Finance Bank cash conversion from operations.
| 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 | — |