SBI Cards and Payment Services Limited (NSE:SBICARD)

NSE:SBICARD Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Income	26,080	21,667	19,164	24,079	22,585	16,161
Depreciation & Amortization	750.6	820.5	896.7	1,369	1,059	915.8
Other Amortization	542	542	571.5	598.1	579.1	569.8
Loss (Gain) From Sale of Investments	-15.5	-12.3	-	8.8	-4.8	-3
Provision for Credit Losses	40,837	49,620	48,715	32,865	21,591	22,560
Stock-Based Compensation	9.9	38.3	107.4	107	141.1	227.9
Change in Accounts Payable	1,150	1,213	849	1,129	2,789	2,371
Change in Trading Asset Securities	-	-	-	-11	-	-
Change in Other Net Operating Assets	-113,645	-150,764	-169,957	-183,043	-116,018	-88,583
Other Operating Activities	81,181	81,807	78,249	66,364	576.1	1,861
Operating Cash Flow	36,890	4,930	-21,405	-56,534	-66,705	-43,915
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Capital Expenditures	-334.3	-336.4	-557.6	-744.9	-934	-999.2
Sale of Property, Plant & Equipment	-6.8	0.9	3.8	-	2.4	0.3
Investment in Securities	-23,225	-3,754	-26,939	-13,829	-8,283	-4,382
Other Investing Activities	7,057	6,544	2,587	2,024	-	-
Investing Cash Flow	-16,509	2,455	-24,906	-12,549	-9,214	-5,381

Financing Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Long-Term Debt Issued	-	20,000	79,390	109,404	110,454	82,710
Total Debt Issued	2,992	20,000	79,390	109,404	110,454	82,710
Long-Term Debt Repaid	-	-29,586	-29,706	-22,511	-30,531	-32,638
Lease Payments	-687.5	-663.3	-655.6	-1,011	-711.9	-569.3
Total Debt Repaid	-17,110	-29,586	-29,706	-22,511	-30,531	-32,638
Net Debt Issued (Repaid)	-14,118	-9,586	49,685	86,893	79,923	50,072
Issuance of Common Stock	8.3	32.5	58.4	744.8	441.3	373.4
Common Dividends Paid	-2,170	-2,170	-2,871	-3,626	-2,129	-
Other Financing Activities	-	-	-6.7	-5.9	-	-
Financing Cash Flow	-16,280	-11,724	46,865	84,006	78,236	50,445

Net Cash Flow

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Cash Flow	4,091	-4,339	554.8	14,923	2,316	1,150

Free Cash Flow

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Free Cash Flow	36,556	4,594	-21,962	-57,279	-67,639	-44,914
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	27.84%	3.87%	-21.91%	-51.64%	-68.55%	-60.72%
Free Cash Flow Per Share	38.40	4.83	-23.07	-60.34	-71.27	-47.31
Free Cash Flow After Leases	35,868	3,931	-22,618	-58,290	-68,351	-45,483

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Cash Interest Paid	30,619	30,622	31,576	26,048	15,840	10,267
Cash Income Tax Paid	8,097	7,718	7,500	9,359	7,644	3,717

Data Source: S&P Global Market Intelligence Last updated: Oct 23, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 29, 2026

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