SBI Cards and Payment Services Limited SBICARD NIFTY_MIDNSEFINANCIAL
Financial Services · Credit Services · India
SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate, central travel, utility, and corporate purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited operates as a subsidiary of State Bank of India.
READ MORE ›₹624.40
-31.46% 1Y
Market & Price
Market Cap
₹59,418.48 Cr
Current Price
₹624.40
High / Low (52W)
₹1,013.45 / ₹620.20
Beta
0.28
Valuation
Stock P/E
27.40
Industry PE
19.12
Forward P/E
17.23
PEG Ratio
-
Book Value
₹165.18
Price to Book
3.78
P/S
5.01
EV/EBITDA
-
Dividend Yield
0.40%
Profitability & Returns
ROCE
-
ROE
14.69%
ROA
3.29%
Profit Margin
18.26%
Op Margin
26.12%
EPS (Latest Qtr)
₹6.40
EPS (TTM)
₹22.79
Balance Sheet & Liquidity
Debt/Equity
2.80
Quick Ratio
19.95
Current Ratio
19.96
Debt
₹44,063.73 Cr
Total Assets
₹66,327.79 Cr
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
68.58%
Chg in Prom Hold
-
FII / Inst Holding
25.27%
Chg in FII Hold
0.00%
Financial Snapshot
Enterprise Value
₹1.01 L Cr
Total Revenue (TTM)
₹11,865.66 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹493.03 Cr
Shares Outstanding
₹95.16 Cr
Gross Margin
24.46%
Payout Ratio
10.98%
Growth (CAGR)
Revenue 5Y
15.43%
Profit 5Y
-1.37%
Revenue (YoY)
18.60%
Earnings (YoY)
13.90%
PROS
- Compounding revenue at 15.4% over 5 years.
CONS
- Earnings shrank at -1.4% CAGR over 5 years.
- Trading 38.4% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SBICARD SBI Cards and Payment Services Limited NIFTY_MIDNSEFINANCIAL | 624.40 | 27.40 | ₹59,418.48 Cr | 0.40% | - | 14.69% | 15.43% | -1.37% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 3,794.33 Cr | 3,841.28 Cr | 4,035.08 Cr | 4,221.70 Cr | 4,063.98 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | 1,963.56 Cr | 1,877.63 Cr | 1,935.17 Cr | 2,250.43 Cr | 2,151.25 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 828.64 Cr | 795.26 Cr | 812.82 Cr | 785.07 Cr | 713.62 Cr |
| Pretax Income | - | 517.63 Cr | 718.53 Cr | 748.36 Cr | 749.11 Cr | 815.91 Cr |
| Tax Provision | - | 134.40 Cr | 184.35 Cr | 192.40 Cr | 192.47 Cr | 206.61 Cr |
| Net Income | - | 383.23 Cr | 534.18 Cr | 555.96 Cr | 556.64 Cr | 609.30 Cr |
| Diluted EPS | - | 4.03 | 5.61 | 5.84 | 5.85 | 6.40 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 10,677.63 Cr | 12,751.20 Cr | 14,825.51 Cr | 16,423.18 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 6,076.84 Cr | 6,724.01 Cr | 7,373.32 Cr | 8,547.60 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1,643.86 Cr | 2,589.32 Cr | 3,178.40 Cr | 3,071.58 Cr |
| Pretax Income | - | 3,030.57 Cr | 3,231.80 Cr | 2,580.68 Cr | 2,913.19 Cr |
| Tax Provision | - | 772.10 Cr | 823.92 Cr | 664.27 Cr | 746.48 Cr |
| Net Income | - | 2,258.47 Cr | 2,407.88 Cr | 1,916.41 Cr | 2,166.71 Cr |
| Diluted EPS | - | 23.80 | 25.37 | 20.14 | 22.77 |
Compounded Sales Growth
| 5 Years: | 15.43% |
| 1 Year: | 18.60% |
Compounded Profit Growth
| 5 Years: | -1.37% |
| 1 Year: | 13.90% |
Stock Price Performance
| 1 Year: | -31.46% |
| 6 Months: | -28.26% |
| 3 Months: | -19.63% |
| 1 Month: | -3.03% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 45,545.56 Cr | 58,171.23 Cr | 65,545.80 Cr | 66,327.79 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 1,016.04 Cr | 2,508.43 Cr | 2,559.91 Cr | 2,319.78 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 525.34 Cr | 540.19 Cr | 485.01 Cr | 283.10 Cr |
| Total Liabilities | - | 35,715.51 Cr | 46,087.20 Cr | 51,764.08 Cr | 50,602.29 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 31,531.09 Cr | 40,314.70 Cr | 45,170.68 Cr | 44,063.73 Cr |
| Total Equity | - | 9,830.05 Cr | 12,084.03 Cr | 13,781.72 Cr | 15,725.50 Cr |
| Shares Outstanding | - | 94.61 Cr | 95.10 Cr | 95.14 Cr | 95.16 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -6,670.51 Cr | -5,653.38 Cr | -2,140.46 Cr | 493.03 Cr |
| Investing Cash Flow | - | -921.44 Cr | -1,254.93 Cr | -2,490.57 Cr | 245.47 Cr |
| Financing Cash Flow | - | 7,823.58 Cr | 8,400.58 Cr | 4,686.51 Cr | -1,172.36 Cr |
| Capital Expenditure | - | -93.40 Cr | -74.49 Cr | -55.76 Cr | -33.64 Cr |
| Free Cash Flow | - | -6,763.91 Cr | -5,727.87 Cr | -2,196.22 Cr | 459.39 Cr |
| Net Change in Cash | - | 231.63 Cr | 1,492.27 Cr | 55.48 Cr | -433.86 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 21.2% | 18.9% | 12.9% | 13.2% |
| ROE % | - | 23.0% | 19.9% | 13.9% | 13.8% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Insiders
68.58%
Institutions
25.27%
Public Float
80.44%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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