SBICARD665.00

SBI Cards and Payment Services Ltd.

· Banking & Finance
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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
30/06/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation196.8146.8136.3
+ Finance Costs2,595.23,178.43,071.6
+ Interest Income8,168.68,719.8
Changes in Working Capital
+ Trade Receivables — Current-100.17.6-47.6
+ Trade Payables — Current112.984.9121.3
Cash from Operating Activities
Profit Before Tax (per I/S)3,231.82,580.72,913.23,057.9
+ Income Taxes Paid935.9750.0771.8
Cash from Operating Activities-5,451.5-2,140.5493.0
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)74.555.833.6
+ Disp of Fixed Assets0.00.40.1
+ Purchase of Investments (Equity / Debt)3,024.44,774.9
Cash from Investing Activities-1,457.4-2,490.6245.5
Cash from Financing Activities
+ Proceeds from Issue of Shares74.55.83.3
+ Proceeds from Borrowings6,439.0842.3
+ Payment of Lease Liabilities101.165.666.3
+ Interest Paid0.70.0
Cash from Financing Activities8,401.24,686.5-1,172.4
Net Changes in Cash1,492.355.5-433.9
Closing Cash2,537.52,103.7
Reference Items
EBITDA5,508.75,341.05,313.05,373.9
EBITDA Margin %32.4629.5526.7026.78
Free Cash Flow (CFO − Capex)-5,526.0-2,196.2459.4459.4
Cash Flow to Net Income-2.26-1.120.23
Cash Paid for Taxes935.9750.0771.8
Cash Paid for Interest0.70.0
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.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
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 agreementXBRL cross-verified ✓ 85%.