SBI Cards and Payment Services Limited (SBICARD) — Cash Flow Quality Index
SBI Cards and Payment Services Limited (SBICARD) has a Cash Flow Quality Index of 0.18x as of December 2023. Operating cash flow of Rs1.02 Billion is below net income of Rs5.49 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore SBICARD cash flow metrics to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
SBI Cards and Payment Services Limited Cash Flow Quality Index (2013–2025)
Historical Cash Flow Quality Index for SBI Cards and Payment Services Limited across 13 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check how aggressively does SBI Cards and Payment Services Limited reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for SBI Cards and Payment Services Limited (2013–2025)
Year-by-year earnings quality comparison for SBI Cards and Payment Services Limited. For live market cap and the full company financial profile, see SBI Cards and Payment Services Limited market capitalisation.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -1.12x | Rs-21.40 Billion | Rs19.16 Billion | ▲ +50.7% |
| 2024 | -2.26x | Rs-54.52 Billion | Rs24.08 Billion | ▼ -2.9% |
| 2023 | -2.20x | Rs-66.71 Billion | Rs30.31 Billion | ▼ -8.9% |
| 2022 | -2.02x | Rs-43.91 Billion | Rs21.72 Billion | ▼ -486.6% |
| 2021 | 0.52x | Rs6.92 Billion | Rs13.24 Billion | ▲ +122.2% |
| 2020 | -2.35x | Rs-40.67 Billion | Rs17.30 Billion | ▼ -32.4% |
| 2019 | -1.78x | Rs-23.65 Billion | Rs13.32 Billion | ▲ +43.2% |
| 2018 | -3.13x | Rs-28.77 Billion | Rs9.19 Billion | ▲ +20.0% |
| 2017 | -3.91x | Rs-22.35 Billion | Rs5.72 Billion | ▼ -237.5% |
| 2016 | 2.84x | Rs8.07 Billion | Rs2.84 Billion | ▲ +186.3% |
| 2015 | -3.30x | Rs-8.79 Billion | Rs2.67 Billion | ▼ -142.9% |
| 2014 | -1.36x | Rs-3.98 Billion | Rs2.93 Billion | ▲ +74.9% |
| 2013 | -5.41x | Rs-7.38 Billion | Rs1.36 Billion | — |