ESAF Small Finance Bank (ESAFSFB) — Working Capital to Net Assets Ratio
ESAF Small Finance Bank (ESAFSFB) has a Working Capital to Net Assets ratio of -1247.0% as of September 2025. Working capital of Rs-218.68 Billion (current assets of Rs10.26 Billion minus current liabilities of Rs228.94 Billion) is measured against net assets of Rs17.54 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See ESAF Small Finance Bank balance sheet quality to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
ESAF Small Finance Bank Working Capital to Net Assets (2016–2024)
This chart shows how ESAF Small Finance Bank's Working Capital to Net Assets ratio has evolved across 9 annual periods from 2016 to 2024. As of September 2025, the ratio stands at -1247.0%, reflecting working capital of Rs-218.68 Billion against net assets of Rs17.54 Billion INR. Check ESAFSFB intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for ESAF Small Finance Bank (2016–2024)
The table below presents the year-by-year Working Capital to Net Assets ratio for ESAF Small Finance Bank from 2016 to 2024, covering 9 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see ESAFSFB stock market capitalisation.
| Year | WC/NA Ratio | Working Capital (INR) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2024 | -1072.5% | Rs-209.03 Billion | Rs19.49 Billion | Rs23.84 Billion | Rs232.87 Billion | ▼ -345.9 pp |
| 2023 | -726.6% | Rs-181.05 Billion | Rs24.92 Billion | Rs18.28 Billion | Rs199.33 Billion | ▲ +71.4 pp |
| 2022 | -798.0% | Rs-136.86 Billion | Rs17.15 Billion | Rs10.36 Billion | Rs147.22 Billion | ▼ -5.9 pp |
| 2021 | -792.1% | Rs-111.82 Billion | Rs14.12 Billion | Rs16.74 Billion | Rs128.56 Billion | ▼ -269.5 pp |
| 2020 | -522.6% | Rs-70.66 Billion | Rs13.52 Billion | Rs19.55 Billion | Rs90.21 Billion | ▲ +65.9 pp |
| 2019 | -588.6% | Rs-63.81 Billion | Rs10.84 Billion | Rs6.67 Billion | Rs70.47 Billion | ▼ -186.5 pp |
| 2018 | -402.1% | Rs-35.93 Billion | Rs8.94 Billion | Rs7.50 Billion | Rs43.44 Billion | ▲ +129.5 pp |
| 2017 | -531.6% | Rs-18.25 Billion | Rs3.43 Billion | Rs7.25 Billion | Rs25.50 Billion | ▼ -579.2 pp |
| 2016 | 47.6% | Rs1.46 Billion | Rs3.06 Billion | Rs5.69 Billion | Rs4.24 Billion | — |