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 ESAFSFB PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
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. See ESAFSFB net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see ESAFSFB stock market capitalisation.
| 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 | — |