SBI Cards and Payment Services Limited Cash Flow Quality Index
SBI Cards and Payment Services Limited 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. See SBICARD financial flexibility score to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of SBI Cards and Payment Services Limited (2013–2025)
Cash flow quality index of SBI Cards and Payment Services Limited from 2013 to 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. Explore SBICARD cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
SBI Cards and Payment Services Limited Cash Flow Quality Index by Year (2013–2025)
SBI Cards and Payment Services Limited cash flow quality index by year from 2013 to 2025. Year-by-year earnings quality comparison for SBI Cards and Payment Services Limited. For the full cash flow conversion analysis, see SBICARD cash generation efficiency.
| 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 | — |