SBFC Finance cash flow

Latest FY26

Cash from operations: −₹1,893cr−₹1,415 cr in FY25
Cash from investing: ₹131cr−25.4% on FY25
Cash from financing: ₹1,977cr+54.4% on FY25
Capital spending: ₹14.6cr+24.6% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024

Adjustments to reconcile profit — non-cash items
	—	20.1	16.8	13.4
	—	129	73.7	47.0
	—	537	419	351
	—	−1,554	−1,196	−918
	—	−13.1	−17.7	−17.5
	—	12.6	23.9	22.2
	—	−12.5	8.8	3.3
Changes in working capital
	—	0.0	−16.1	−7.7
	—	−0.3	3.3	−3.1
	—	−95.4	−13.9	10.9
	—	0.0	0.0	−5.5
	—	65.2	−133	0.0
	—	1.4	0.1	0.1
Cash from operating activities
	682	604	459	316
	—	−910	−832	−505
	—	−306	−373	−189
	—	1,549	1,159	933
	—	545	389	342
	—	−2,424	−1,689	−1,468
	—	167	124	90.0
	—	−1,893	−1,415	−1,155
Cash from investing activities
	—	11.1	9.0	11.1
	—	3.5	2.7	0.8
	—	−0.1	0.0	0.0
	—	0.0	0.0	21.0
	—	0.0	21.4	0.0
	—	146	166	191
	—	131	176	158
Cash from financing activities
	—	77.8	48.2	794
	—	200	800	350
	—	4,245	2,036	1,370
	—	2,537	1,597	1,470
	—	5.9	5.5	5.2
	—	2.1	1.3	0.9
	—	1,977	1,281	1,037
	—	216	41.2	40.4
	—	216	41.2	40.4
	—	—	—	224
Reference items
	—	−1,907	−1,427	−1,167
	—	−12.0	−160	—
	—	−₹17.25	−₹12.91	−₹10.56
	—	−4.20×	−4.10×	−4.87×
	—	167	124	90.0
	—	2.1	1.3	0.9

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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

SBFC₹87.05

SBFC Finance Ltd.

· Banking & Finance

₹ CrorePeersFIVESTAR APTUS SAMMAANCAP NIVABUPA UTIAMC J&KBANK IEX HOMEFIRSTMcap ₹9,625 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	13.4	16.8	20.1	—
+ Impairment Loss / (Reversal)	47.0	73.7	129.3	—
+ Finance Costs	350.5	419.2	537.3	—
+ Interest Income	-918.3	-1,196.3	-1,554.3	—
+ Fair Value (Gains) / Losses	-17.5	-17.7	-13.1	—
+ Share-based Payments	22.2	23.9	12.6	—
+ Other Reconciling Items	3.3	8.8	-12.5	—
Changes in Working Capital
+ Trade Receivables — Current	-7.7	-16.1	0.0	—
+ Other Financial Assets — Current	-3.1	3.3	-0.3	—
+ Trade Payables — Current	10.9	-13.9	-95.4	—
+ Other Financial Liabilities — Current	-5.5	0.0	0.0	—
+ Other Financial Liabilities — Non-current	0.0	-133.2	65.2	—
+ Provisions — Current	0.1	0.1	1.4	—
Cash from Operating Activities
Profit Before Tax (per I/S)	316.1	458.5	603.6	681.9
+ Total Adjustments (incl. Working Capital)	-504.6	-831.6	-909.7	—
Cash from Operations (pre-tax)	-188.5	-373.1	-306.1	—
+ Interest Received — Operating	933.2	1,159.3	1,549.1	—
+ Interest Paid — Operating	342.4	388.9	545.3	—
+ Other Inflows / (Outflows) — Operating	-1,467.7	-1,688.6	-2,423.9	—
+ Income Taxes Paid	90.0	123.9	166.5	—
Cash from Operating Activities	-1,155.4	-1,415.3	-1,892.7	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	11.1	9.0	11.1	—
+ Acq of Intangible Assets	0.8	2.7	3.5	—
+ Disp of Fixed Assets	0.0	0.0	-0.1	—
+ Acq of Subsidiaries / Businesses (net)	21.0	0.0	0.0	—
+ Disp of Subsidiaries / Businesses (net)	0.0	21.4	0.0	—
+ Other Inflows / (Outflows) — Investing	191.2	165.9	145.7	—
Cash from Investing Activities	158.4	175.6	131.0	—
Cash from Financing Activities
+ Proceeds from Issue of Shares	793.8	48.2	77.8	—
+ Proceeds from Debentures / Notes / Bonds	350.0	800.0	200.0	—
+ Proceeds from Borrowings	1,370.0	2,036.3	4,244.9	—
+ Repayment of Borrowings	1,470.3	1,596.9	2,537.5	—
+ Payment of Lease Liabilities	5.2	5.5	5.9	—
+ Interest Paid	0.9	1.3	2.1	—
Cash from Financing Activities	1,037.4	1,280.9	1,977.3	—
Net Changes in Cash (pre-FX)	40.4	41.2	215.6	—
Net Changes in Cash	40.4	41.2	215.6	—
Closing Cash	224.2	—	—	—
Reference Items
Free Cash Flow (CFO − Capex)	-1,167.2	-1,427.0	-1,907.3	—
Free Cash Flow to Equity	—	-160.0	-12.0	—
Free Cash Flow per Basic Share	-10.56	-12.91	-17.25	—
Cash Flow to Net Income	-4.87	-4.10	-4.20	—
Cash Paid for Taxes	90.0	123.9	166.5	—
Cash Paid for Interest	0.9	1.3	2.1	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.