SBI Cards and Payment Services Limited (SBICARD) — Cash Flow-to-Debt Ratio
SBI Cards and Payment Services Limited (SBICARD) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2023, meaning its operating cash flow of Rs1.02 Billion could theoretically repay 0% of its total liabilities (Rs439.23 Billion) in one year. See SBI Cards and Payment Services Limited (SBICARD) financial flexibility to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
SBI Cards and Payment Services Limited Cash Flow-to-Debt Ratio (2013–2025)
Historical debt coverage capacity for SBI Cards and Payment Services Limited across 13 annual periods. For the full cash flow conversion analysis, see SBI Cards and Payment Services Limited (SBICARD) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for SBI Cards and Payment Services Limited (2013–2025)
Year-by-year debt coverage analysis for SBI Cards and Payment Services Limited. Check SBICARD operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.04x | Rs-21.40 Billion | Rs517.64 Billion | ▲ +65.0% |
| 2024 | -0.12x | Rs-54.52 Billion | Rs460.87 Billion | ▲ +36.7% |
| 2023 | -0.19x | Rs-66.71 Billion | Rs357.15 Billion | ▼ -14.4% |
| 2022 | -0.16x | Rs-43.91 Billion | Rs268.96 Billion | ▼ -588.4% |
| 2021 | 0.03x | Rs6.92 Billion | Rs207.11 Billion | ▲ +116.4% |
| 2020 | -0.20x | Rs-40.67 Billion | Rs199.62 Billion | ▼ -43.5% |
| 2019 | -0.14x | Rs-23.65 Billion | Rs166.58 Billion | ▲ +34.2% |
| 2018 | -0.22x | Rs-28.77 Billion | Rs133.33 Billion | ▲ +10.0% |
| 2017 | -0.24x | Rs-22.35 Billion | Rs93.16 Billion | ▼ -299.8% |
| 2016 | 0.12x | Rs8.07 Billion | Rs67.25 Billion | ▲ +172.3% |
| 2015 | -0.17x | Rs-8.79 Billion | Rs52.92 Billion | ▼ -66.6% |
| 2014 | -0.10x | Rs-3.98 Billion | Rs39.89 Billion | ▲ +58.9% |
| 2013 | -0.24x | Rs-7.38 Billion | Rs30.40 Billion | — |