SBI Cards and Payment Services Limited (SBICARD) — Financial Flexibility Index

Latest as of December 2023: 0.00x

SBI Cards and Payment Services Limited (SBICARD) has a Financial Flexibility Index of 0.00x as of December 2023. Free cash flow of Rs1.02 Billion (operating CF Rs1.02 Billion minus capex Rs0.00) represents 0% of total liabilities (Rs439.23 Billion). Check asset allocation strategy of SBI Cards and Payment Services Limited to assess the company's strategic physical and investment asset allocation.

Financial Flexibility Index

0.00x
Free Cash Flow / Total Liabilities

Free Cash Flow

Rs1.02 Billion
Operating CF − Capex

Total Liabilities

Rs439.23 Billion
INR

Capital Expenditures

Rs0.00
INR

SBI Cards and Payment Services Limited Financial Flexibility Index (2013–2025)

Historical Financial Flexibility Index trend for SBI Cards and Payment Services Limited across 13 annual periods. See SBICARD working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Annual Financial Flexibility Index for SBI Cards and Payment Services Limited (2013–2025)

Year-by-year free cash flow to debt coverage for SBI Cards and Payment Services Limited. For the full company profile including market capitalisation, see SBICARD stock market capitalisation.

Year Flexibility Index Free Cash Flow (INR) Operating CF Total Liabilities YoY Change
2025 -0.04x Rs-20.85 Billion Rs-21.40 Billion Rs517.64 Billion ▲ +65.5%
2024 -0.12x Rs-53.77 Billion Rs-54.52 Billion Rs460.87 Billion ▲ +36.6%
2023 -0.18x Rs-65.77 Billion Rs-66.71 Billion Rs357.15 Billion ▼ -15.4%
2022 -0.16x Rs-42.92 Billion Rs-43.91 Billion Rs268.96 Billion ▼ -541.1%
2021 0.04x Rs7.49 Billion Rs6.92 Billion Rs207.11 Billion ▲ +118.1%
2020 -0.20x Rs-39.89 Billion Rs-40.67 Billion Rs199.62 Billion ▼ -46.5%
2019 -0.14x Rs-22.72 Billion Rs-23.65 Billion Rs166.58 Billion ▲ +36.0%
2018 -0.21x Rs-28.42 Billion Rs-28.77 Billion Rs133.33 Billion ▲ +11.1%
2017 -0.24x Rs-22.33 Billion Rs-22.35 Billion Rs93.16 Billion ▼ -299.7%
2016 0.12x Rs8.07 Billion Rs8.07 Billion Rs67.25 Billion ▲ +172.3%
2015 -0.17x Rs-8.79 Billion Rs-8.79 Billion Rs52.92 Billion ▼ -66.6%
2014 -0.10x Rs-3.97 Billion Rs-3.98 Billion Rs39.89 Billion ▲ +58.9%
2013 -0.24x Rs-7.38 Billion Rs-7.38 Billion Rs30.40 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities