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Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
Standard Chartered Bank (Pakistan) (KAR:SCBPL) Cash Flow from Operations Explanation
For companies reported in indirect method, cash flow from operations contains six items:
1. Net Income From Continuing Operations:
Net Income From Continuing Operations indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. It excludes extraordinary items, income from the cumulative effects of accounting changes, non-recurring items, income from tax loss carry forward, and preferred dividends.
Standard Chartered Bank (Pakistan)'s net income from continuing operations for the
three
months ended in Mar. 2026 was ₨11,727 Mil.
2. Depreciation, Depletion and Amortization:
Depreciation is a present expense that accounts for the past cost of an asset that is now providing benefits.
Depletion and amortization are synonyms for depreciation.
Generally:
The term depreciation is used when discussing man made tangible assets
The term depletion is used when discussing natural tangible assets
The term amortization is used when discussing intangible assets
Standard Chartered Bank (Pakistan)'s depreciation, depletion and amortization for the
three
months ended in Mar. 2026 was ₨364 Mil.
3. Change In Working Capital:
Working Capital is a measure of a company's short term liquidity or its ability to cover short term liabilities. It is defined as the difference between a company's current assets and current liabilities. Changes in Working Capital is reported in the cash flow statement since it is one of the major ways in which net income can differ from operating cash flow.
Standard Chartered Bank (Pakistan)'s change in working capital for the
three
months ended in Mar. 2026 was ₨23,629 Mil. It means Standard Chartered Bank (Pakistan)'s working capital
increased by ₨23,629 Mil
from Dec. 2025 to Mar. 2026 .
4. Deferred Tax:
It is the cash flow generated from deferred tax.
Standard Chartered Bank (Pakistan)'s cash flow from deferred tax for the
three
months ended in Mar. 2026 was ₨0 Mil.
Standard Chartered Bank (Pakistan)'s cash from discontinued operating Activities for the
three
months ended in Mar. 2026 was ₨0 Mil.
6. Asset Impairment Charge:
It is the charge against earnings resulting from the aggregate write down of all assets from their carrying value to their fair value.
Standard Chartered Bank (Pakistan)'s asset impairment charge for the
three
months ended in Mar. 2026 was ₨0 Mil.
7. Stock Based Compensation:
It is a way corporations use stock options to reward employees. It provides executives and employees the opportunity to share in the growth of the company and, if structured properly, can align their interests with the interests of the company's shareholders and investors, without burning the company's cash on hand.
Standard Chartered Bank (Pakistan)'s stock based compensation for the
three
months ended in Mar. 2026 was ₨0 Mil.
8. Cash Flow from Others:
These are cash differences caused by the change of inventory, accounts payable, accounts receivable etc. For instance, if a company pays its suppliers slower, its cash position will build up faster. If a company receives payments from its customers slower, its account receivables will rise, and its cash position will grow more slowly (or even shrink).
Standard Chartered Bank (Pakistan)'s cash flow from others for the
three
months ended in Mar. 2026 was ₨-9,840 Mil.
Standard Chartered Bank (Pakistan) Cash Flow from Operations Related Terms
Standard Chartered Bank (Pakistan) Cash Flow from Operations Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Standard Chartered Bank (Pakistan) Cash Flow from Operations Chart
Standard Chartered Bank (Pakistan) Cash Flow from Operations Calculation
Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨76,092 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Operations of ₨76,092 Mil mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a Cash Flow from Operations of ₨76,092 Mil as of Mar. 2026. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for Standard Chartered Bank (Pakistan) and its competitors.
Is Standard Chartered Bank (Pakistan)'s Cash Flow from Operations too high?
Standard Chartered Bank (Pakistan)'s current Cash Flow from Operations is ₨76,092 Mil. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s Cash Flow from Operations compare to competitors?
Standard Chartered Bank (Pakistan)'s Cash Flow from Operations of ₨76,092 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Operations for a Banks company?
A good Cash Flow from Operations depends on the Banks industry context. However, Cash Flow from Operations should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Operations mean?
A high Cash Flow from Operations can signal that a stock is expensive relative to its fundamentals. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for Standard Chartered Bank (Pakistan) and its competitors. Standard Chartered Bank (Pakistan)'s current Cash Flow from Operations is ₨76,092 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank (Pakistan) stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) (KAR:SCBPL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨36.11, compared to a current price of ₨64.04 — trading 77.3% above its estimated fair value. The current Cash Flow from Operations is ₨76,092 Mil. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Operations calculated?
Cash Flow from Operations is calculated from a company's financial statements. For Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current Cash Flow from Operations is ₨76,092 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Standard Chartered Bank (Pakistan) (KAR:SCBPL) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) stock appears to be overvalued.
The current stock price of ₨64.04 is trading 77.3% above its estimated GF Value™ of ₨36.11.
GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.
Key valuation signals for KAR:SCBPL:
Cash Flow from Operations: ₨76,092 Mil
GF Value™: ₨36.11 vs. price of ₨64.04 (77.3% above fair value)
No single metric tells the full story. See the KAR:SCBPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank (Pakistan) Business Description
Standard Chartered Bank (Pakistan) Ltd is a banking corporation based in Pakistan. It provides retail and corporate banking services to customers. The products and services provided by the bank include credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium-sized enterprises as well as trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. It also provides the complete suite of Islamic banking solutions under its Standard Chartered Saadiq brand. The company's revenue comprises of fees, commission and interest and dividend received from its products and services. The Bank operates only in Pakistan.
72GF Score
Get the complete analysis for KAR:SCBPL
Cash Flow from Operations is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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