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. See ESAF Small Finance Bank (ESAFSFB) FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
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 net asset growth rate of ESAF Small Finance Bank to track the company's year-over-year net asset growth rate.
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 ESAFSFB company net worth.
| 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 | — |