NSE:SBICARD Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2016 - 2020
Net Income	19,164	24,079	22,585	16,161	9,845	Upgrade
Depreciation & Amortization	896.7	1,369	1,059	915.8	873.7	Upgrade
Other Amortization	571.5	598.1	579.1	569.8	358.9	Upgrade
Loss (Gain) From Sale of Investments	-	8.8	-4.8	-3	607.4	Upgrade
Provision for Credit Losses	48,715	32,865	21,591	22,560	26,386	Upgrade
Stock-Based Compensation	107.4	107	141.1	227.9	301.8	Upgrade
Change in Accounts Payable	849	1,129	2,789	2,371	1,646	Upgrade
Change in Trading Asset Securities	-	-11	-	-	-	Upgrade
Change in Other Net Operating Assets	-169,957	-183,043	-116,018	-88,583	-30,980	Upgrade
Other Operating Activities	78,249	66,364	576.1	1,861	-2,118	Upgrade
Operating Cash Flow	-21,405	-56,534	-66,705	-43,915	6,923	Upgrade
Capital Expenditures	-557.6	-744.9	-934	-999.2	-569.5	Upgrade
Sale of Property, Plant & Equipment	3.8	-	2.4	0.3	0.9	Upgrade
Investment in Securities	-26,939	-13,829	-8,283	-4,382	-9,399	Upgrade
Other Investing Activities	2,587	2,024	-	-	-	Upgrade
Investing Cash Flow	-24,906	-12,549	-9,214	-5,381	-9,968	Upgrade
Long-Term Debt Issued	79,390	109,404	110,454	82,710	68,144	Upgrade
Total Debt Issued	79,390	109,404	110,454	82,710	68,144	Upgrade
Long-Term Debt Repaid	-29,706	-22,511	-30,531	-32,638	-63,160	Upgrade
Total Debt Repaid	-29,706	-22,511	-30,531	-32,638	-63,160	Upgrade
Net Debt Issued (Repaid)	49,685	86,893	79,923	50,072	4,984	Upgrade
Issuance of Common Stock	58.4	744.8	441.3	373.4	271.7	Upgrade
Common Dividends Paid	-2,871	-3,626	-2,129	-	-938.3	Upgrade
Other Financing Activities	-6.7	-5.9	-	-	-	Upgrade
Financing Cash Flow	46,865	84,006	78,236	50,445	4,318	Upgrade
Net Cash Flow	554.8	14,923	2,316	1,150	1,273	Upgrade
Free Cash Flow	-21,962	-57,279	-67,639	-44,914	6,354	Upgrade
Free Cash Flow Margin	-21.91%	-51.64%	-68.55%	-60.72%	8.10%	Upgrade
Free Cash Flow Per Share	-23.07	-60.34	-71.27	-47.31	6.70	Upgrade
Cash Interest Paid	31,576	26,048	15,840	10,267	10,963	Upgrade
Cash Income Tax Paid	7,500	9,359	7,644	3,717	4,828	Upgrade

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.