Suryoday Small Finance Bank Limited (SURYODAY) — Cash Flow-to-Debt Ratio
Suryoday Small Finance Bank Limited (SURYODAY) has a Cash Flow-to-Debt Ratio of -0.06x as of September 2025, meaning its operating cash flow of Rs-8.26 Billion could theoretically repay 0% of its total liabilities (Rs146.13 Billion) in one year. See SURYODAY FCF to total liabilities 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
Suryoday Small Finance Bank Limited Cash Flow-to-Debt Ratio (2013–2026)
Historical debt coverage capacity for Suryoday Small Finance Bank Limited across 14 annual periods. For the full cash flow conversion analysis, see Suryoday Small Finance Bank Limited cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Suryoday Small Finance Bank Limited (2013–2026)
Year-by-year debt coverage analysis for Suryoday Small Finance Bank Limited. Check how high is Suryoday Small Finance Bank Limited's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.04x | Rs6.52 Billion | Rs178.06 Billion | ▲ +133.8% |
| 2025 | -0.11x | Rs-14.82 Billion | Rs136.87 Billion | ▲ +31.7% |
| 2024 | -0.16x | Rs-16.76 Billion | Rs105.73 Billion | ▼ -1242.7% |
| 2023 | -0.01x | Rs-977.00 Million | Rs82.76 Billion | ▲ +91.6% |
| 2022 | -0.14x | Rs-9.41 Billion | Rs66.75 Billion | ▲ +17.7% |
| 2021 | -0.17x | Rs-8.76 Billion | Rs51.15 Billion | ▼ -240.0% |
| 2020 | 0.12x | Rs5.26 Billion | Rs42.98 Billion | ▲ +164.6% |
| 2019 | -0.19x | Rs-5.45 Billion | Rs28.81 Billion | ▼ -166.9% |
| 2018 | 0.28x | Rs4.58 Billion | Rs16.17 Billion | ▲ +223.6% |
| 2017 | -0.23x | Rs-2.53 Billion | Rs11.04 Billion | ▲ +35.0% |
| 2016 | -0.35x | Rs-3.50 Billion | Rs9.95 Billion | ▲ +13.3% |
| 2015 | -0.41x | Rs-2.54 Billion | Rs6.25 Billion | ▼ -78.6% |
| 2014 | -0.23x | Rs-710.00 Million | Rs3.12 Billion | ▼ -366.6% |
| 2013 | -0.05x | Rs-67.84 Million | Rs1.39 Billion | — |