ESAF Small Finance Bank Financial Flexibility Index
ESAF Small Finance Bank financial flexibility index. ESAF Small Finance Bank (ESAFSFB) has a Financial Flexibility Index of -0.05x as of September 2025. Free cash flow of Rs-12.80 Billion (operating CF Rs-14.48 Billion minus capex Rs1.68 Billion) represents 0% of total liabilities (Rs253.75 Billion). See ESAF Small Finance Bank (ESAFSFB) free cash flow to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of ESAF Small Finance Bank (2016–2025)
Financial flexibility index of ESAF Small Finance Bank from 2016 to 2025. Historical Financial Flexibility Index trend for ESAF Small Finance Bank across 10 annual periods. Check ESAFSFB cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
ESAF Small Finance Bank Financial Flexibility Index by Year (2016–2025)
ESAF Small Finance Bank financial flexibility index by year from 2016 to 2025. Year-by-year free cash flow to debt coverage for ESAF Small Finance Bank. For the full cash flow conversion analysis, see ESAF Small Finance Bank cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.03x | Rs7.75 Billion | Rs4.92 Billion | Rs290.81 Billion | ▲ +944.5% |
| 2024 | 0.00x | Rs-796.40 Million | Rs-2.32 Billion | Rs252.29 Billion | ▲ +98.2% |
| 2023 | -0.18x | Rs-41.30 Billion | Rs-42.01 Billion | Rs235.95 Billion | ▼ -37.9% |
| 2022 | -0.13x | Rs-23.50 Billion | Rs-24.21 Billion | Rs185.09 Billion | ▼ -422.1% |
| 2021 | 0.04x | Rs6.42 Billion | Rs5.88 Billion | Rs162.96 Billion | ▲ +154.5% |
| 2020 | -0.07x | Rs-7.94 Billion | Rs-8.44 Billion | Rs109.87 Billion | ▼ -327.7% |
| 2019 | 0.03x | Rs2.66 Billion | Rs2.13 Billion | Rs83.86 Billion | ▲ +19.8% |
| 2018 | 0.03x | Rs1.63 Billion | Rs1.25 Billion | Rs61.65 Billion | ▼ -66.1% |
| 2017 | 0.08x | Rs3.43 Billion | Rs2.98 Billion | Rs43.82 Billion | ▲ +347.3% |
| 2016 | -0.03x | Rs-832.78 Million | Rs-1.17 Billion | Rs26.32 Billion | — |