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 SBI Cards and Payment Services Limited (SBICARD) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see SBI Cards and Payment Services Limited (SBICARD) cash conversion ratio.
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.
| 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 | — |