NSE:SBICARD Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Net Income	21,667	19,164	24,079	22,585	16,161
Depreciation & Amortization	1,363	896.7	1,369	1,059	915.8
Other Amortization	-	571.5	598.1	579.1	569.8
Loss (Gain) From Sale of Investments	-16.7	-	8.8	-4.8	-3
Provision for Credit Losses	49,624	48,715	32,865	21,591	22,560
Stock-Based Compensation	38.3	107.4	107	141.1	227.9
Change in Accounts Payable	1,213	849	1,129	2,789	2,371
Change in Trading Asset Securities	-	-	-11	-	-
Change in Other Net Operating Assets	-150,764	-169,957	-183,043	-116,018	-88,583
Other Operating Activities	81,807	78,249	66,364	576.1	1,861
Operating Cash Flow	4,930	-21,405	-56,534	-66,705	-43,915
Capital Expenditures	-336.4	-557.6	-744.9	-934	-999.2
Sale of Property, Plant & Equipment	0.9	3.8	-	2.4	0.3
Investment in Securities	-3,754	-26,939	-13,829	-8,283	-4,382
Other Investing Activities	6,544	2,587	2,024	-	-
Investing Cash Flow	2,455	-24,906	-12,549	-9,214	-5,381
Long-Term Debt Issued	20,000	79,390	109,404	110,454	82,710
Total Debt Issued	20,000	79,390	109,404	110,454	82,710
Long-Term Debt Repaid	-29,586	-29,706	-22,511	-30,531	-32,638
Total Debt Repaid	-29,586	-29,706	-22,511	-30,531	-32,638
Net Debt Issued (Repaid)	-9,586	49,685	86,893	79,923	50,072
Issuance of Common Stock	32.5	58.4	744.8	441.3	373.4
Common Dividends Paid	-2,170	-2,871	-3,626	-2,129	-
Other Financing Activities	-	-6.7	-5.9	-	-
Financing Cash Flow	-11,724	46,865	84,006	78,236	50,445
Net Cash Flow	-4,339	554.8	14,923	2,316	1,150
Free Cash Flow	4,594	-21,962	-57,279	-67,639	-44,914
Free Cash Flow Margin	3.87%	-21.91%	-51.64%	-68.55%	-60.72%
Free Cash Flow Per Share	4.83	-23.07	-60.34	-71.27	-47.31
Cash Interest Paid	30,622	31,576	26,048	15,840	10,267
Cash Income Tax Paid	7,718	7,500	9,359	7,644	3,717

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