ESAF Small Finance Bank (BOM:544020) Cash-to-Debt : 0.44 (As of Mar. 2024)

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What is ESAF Small Finance Bank Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. ESAF Small Finance Bank's cash to debt ratio for the quarter that ended in Mar. 2024 was 0.44.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, ESAF Small Finance Bank couldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2024.

The historical rank and industry rank for ESAF Small Finance Bank's Cash-to-Debt or its related term are showing as below:

BOM:544020' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.27 Med: 0.43 Max: 1.18
Current: 0.44

During the past 8 years, ESAF Small Finance Bank's highest Cash to Debt Ratio was 1.18. The lowest was 0.27. And the median was 0.43.

BOM:544020's Cash-to-Debt is ranked worse than
76.28% of 1421 companies
in the Banks industry
Industry Median: 1.3 vs BOM:544020: 0.44

ESAF Small Finance Bank Cash-to-Debt Historical Data

The historical data trend for ESAF Small Finance Bank's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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ESAF Small Finance Bank Cash-to-Debt Chart

ESAF Small Finance Bank Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Cash-to-Debt

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0.57

1.18

0.67

0.29

0.44

ESAF Small Finance Bank Semi-Annual Data
	Mar17	Mar18	Mar19	Mar20	Mar21	Mar22	Mar23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial			0.57	1.18	0.67	0.29	0.44

Competitive Comparison of ESAF Small Finance Bank's Cash-to-Debt

For the Banks - Regional subindustry, ESAF Small Finance Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

ESAF Small Finance Bank's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where ESAF Small Finance Bank's Cash-to-Debt falls into.

ESAF Small Finance Bank Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

ESAF Small Finance Bank's Cash to Debt Ratio for the fiscal year that ended in Mar. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	14229.3	/	(0	+	32225.3)
	=	0.44

ESAF Small Finance Bank's Cash to Debt Ratio for the quarter that ended in Mar. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	14229.3	/	(0	+	32225.3)
	=	0.44

ESAF Small Finance Bank (BOM:544020) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

ESAF Small Finance Bank Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of ESAF Small Finance Bank's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

ESAF Small Finance Bank (BOM:544020) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » ESAF Small Finance Bank Ltd (BOM:544020) » Definitions » Cash-to-Debt

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ESAFSFB:India

Address

Thrissur-Palakkad National Highway, Building No.VII/83/8, ESAF Bhavan, Mannuthy, Thrissur, KL, IND, 680681

Website

https://www.esafbank.com

ESAF Small Finance Bank Ltd is one of the leading small finance banks in India in terms of client base size, the yield on advances, Net Interest Margin, assets under management CAGR, total deposit CAGR, loan portfolio concentration in rural and semi-urban areas, and the ratio of microloan advances to gross advances. It delivers its products and services through its business correspondents, customer service centers (which are operated by its business correspondents), Branches, banking agents, ATMs, ATM cum debit cards, mobile banking platforms, SMS alerts, internet banking portals and unified payment interface facilities. They have business segments, segregating them into Treasury, Wholesale Banking, Retail Banking and Other Banking Operations. Majority of revenue comes from Retail Banking.

ESAF Small Finance Bank (BOM:544020) Headlines

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