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 free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see ESAFSFB cash generation efficiency.
Annual Cash Flow-to-Debt Ratio for ESAF Small Finance Bank (2016–2025)
Year-by-year debt coverage analysis for ESAF Small Finance Bank. Check cash flow quality index of ESAF Small Finance Bank to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |