ESAF Small Finance Bank (ESAFSFB) — 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). Check ESAF Small Finance Bank (ESAFSFB) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
ESAF Small Finance Bank Financial Flexibility Index (2016–2025)
Historical Financial Flexibility Index trend for ESAF Small Finance Bank across 10 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of ESAF Small Finance Bank.
Annual Financial Flexibility Index for ESAF Small Finance Bank (2016–2025)
Year-by-year free cash flow to debt coverage for ESAF Small Finance Bank. Explore ESAF Small Finance Bank (ESAFSFB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| 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 | — |