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SBI Cards and Payment Services Limited SBICARD NIFTY_MIDNSEFINANCIAL

Financial Services · Credit Services · India
https://www.sbicard.com
Company Profile ↓
₹557.95
-29.12% 1Y
Mkt Cap₹53,096.96 Cr
P/E23.35
P/B3.40
Div. Yield0.45%
52W High₹934.68
52W Low₹547.65
Book Value₹165.18
EPS (TTM)₹23.90

Company Overview

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.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 13.5% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 18.2%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹15,626.93 Cr (+9.5% YoY); net profit ₹2,166.71 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +23.4%, earnings +19.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.5%, profit CAGR -1.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:13.54%
1 Year:23.40%

Compounded Profit Growth

5 Years:-1.37%
1 Year:19.50%

Stock Price Performance

1 Year:-29.12%
6 Months:-16.81%
3 Months:-10.30%
1 Month:-12.41%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 3% of range
₹547.65 ₹934.68
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)36.53 · Neutral
Price Performance
1M-12.41%
3M-10.30%
6M-16.81%
1Y-29.12%
Valuation vs Sector

P/E of 23.35 is above the sector median of 15.36 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 13.5% over 5 years.
  • Generates positive free cash flow.

CONS

  • Earnings shrank at -1.4% CAGR over 5 years.
  • Trading 40.3% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
23.35
Industry PE
15.36
Forward P/E
15.74
PEG Ratio
-
Book Value
₹165.18
Price to Book
3.40
P/S
4.28
EV/EBITDA
-
Dividend Yield
0.45%

Growth (CAGR)

Revenue 5Y
13.54%
Profit 5Y
-1.37%
Revenue (YoY)
23.40%
Earnings (YoY)
19.50%

Profitability & Returns

ROCE
-
ROE
13.78%
ROA
3.27%
Profit Margin
18.20%
Op Margin
26.67%
Gross Margin
24.65%
EPS (Latest Qtr)
₹6.98
EPS (TTM)
₹23.90

Balance Sheet & Liquidity

Debt/Equity
2.80
Quick Ratio
-
Current Ratio
-
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
24.43%
Chg in FII Hold
-0.66%

Financial Snapshot

Enterprise Value
₹53,096.96 Cr
Total Revenue (TTM)
₹12,501.45 Cr
EBITDA
-
Free Cash Flow
₹459.39 Cr
Operating Cash Flow
₹493.03 Cr
Shares Outstanding
₹95.16 Cr
Gross Margin
24.65%
Payout Ratio
10.46%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SBICARD SBI Cards and Payment Services Limited NIFTY_MIDNSEFINANCIAL 557.95 23.35 ₹53,096.96 Cr 0.45% - 13.78% 13.54% -1.37%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Revenue -3,794.33 Cr3,841.28 Cr4,035.08 Cr4,221.70 Cr4,063.98 Cr4,063.93 Cr
Cost of Revenue -------
Gross Profit -------
Operating Expenses -1,963.56 Cr1,877.63 Cr1,935.17 Cr2,250.43 Cr2,151.25 Cr2,223.12 Cr
Operating Income -------
EBITDA -------
Interest Expense -828.64 Cr795.26 Cr812.82 Cr785.07 Cr713.62 Cr744.53 Cr
Pretax Income -517.63 Cr718.53 Cr748.36 Cr749.11 Cr815.91 Cr893.13 Cr
Tax Provision -134.40 Cr184.35 Cr192.40 Cr192.47 Cr206.61 Cr228.69 Cr
Net Income -383.23 Cr534.18 Cr555.96 Cr556.64 Cr609.30 Cr664.44 Cr
Diluted EPS -4.035.615.845.856.406.98

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -10,677.63 Cr12,751.20 Cr14,267.85 Cr15,626.93 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -6,076.84 Cr6,724.01 Cr7,372.64 Cr8,438.27 Cr
Operating Income -----
EBITDA -----
Interest Expense -1,643.86 Cr2,589.32 Cr3,178.40 Cr3,071.58 Cr
Pretax Income -3,030.57 Cr3,231.80 Cr2,580.68 Cr2,913.19 Cr
Tax Provision -772.10 Cr823.92 Cr664.27 Cr746.48 Cr
Net Income -2,258.47 Cr2,407.88 Cr1,916.41 Cr2,166.71 Cr
Diluted EPS -23.8025.3720.1422.77

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -45,545.56 Cr58,171.23 Cr65,545.80 Cr66,327.79 Cr
Current Assets -----
Cash & Equivalents -1,016.04 Cr2,508.43 Cr2,559.91 Cr2,133.03 Cr
Inventory -----
Receivables -525.34 Cr540.19 Cr485.01 Cr568.60 Cr
Total Liabilities -35,715.51 Cr46,087.20 Cr51,764.08 Cr50,602.29 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -31,531.09 Cr40,314.70 Cr45,170.68 Cr44,230.27 Cr
Total Equity -9,830.05 Cr12,084.03 Cr13,781.72 Cr15,725.50 Cr
Shares Outstanding -94.61 Cr95.10 Cr95.14 Cr95.16 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --6,670.51 Cr-5,653.38 Cr-2,140.46 Cr493.03 Cr
Investing Cash Flow --921.44 Cr-1,254.93 Cr-2,490.57 Cr245.47 Cr
Financing Cash Flow -7,823.58 Cr8,400.58 Cr4,686.51 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 Cr459.39 Cr
Net Change in Cash -231.63 Cr1,492.27 Cr55.48 Cr-433.86 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -21.2%18.9%13.4%13.9%
ROE % -23.0%19.9%13.9%13.8%
ROCE % -----

Shareholding Pattern

Insiders
68.58%
Institutions
24.43%
Public Float
77.75%

Analyst View

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Latest News

Recent headlines for SBICARD

Google News Mon, 19 Oct 2026

Did SBI Cards' Fall Catch You Out? What Investors Missed - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMi9wFBVV95cUxPMDVwclAtT1Rub2hHTFhma294N0NwaGl6MF9reHEyMmk0VmdVbFJVQmFpRkI0eXZfYzEtVmFjYkhUTGM0SjBrNzEzYnpNOUpEQV82bDN1SkpDRndNMU5uN2tZRkViV21qTTl1MFlDS19VTzJHdDVnS1BnRXhzV21TMjhfY0poQUx3a1IwSF…

Google News Fri, 24 Jul 2026

Earnings call transcript: SBI Cards posts stronger Q1 2027 profit, shares slip - Investing.com

<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxPNzl2bVZLb0RGekJqVzhZdHhHajQyeUN4YVZFRmJ3WDVXMTNpMU82QU5zOHV5TEhESkYyNWpwcnFuMkpwcko3cWNGSXFMLU16V2h0S1A5Z0l5T3IwMHg3WW5UQjhSX0FHeVVtaEswcTZQb3FHQjJnZnl4YmcxSnRoVDh5R3BpVlM0WEFxTl…

Google News Fri, 16 Oct 2026

SBICARD Outlook for the Week - Equitypandit

<a href="https://news.google.com/rss/articles/CBMiakFVX3lxTE5qVDZaVlh2ZDgyZUxzaEU1Y2swWmQzLTREcTd1dHdtT1ZCT3Fael80YUszcTA1NFRTV2xxUk1ObXZnUjdLdTJqaVZtUFBoLTF2azFlME50RnpqZ2JYNEhBa1ZFYk9DQ3M1S3c?oc=5" target="_blank">SBICARD Outlook for the …

Google News Sun, 18 Oct 2026

SBI Card vests 187,164 units as Eternal launch nears: SBI Card stock - AD HOC NEWS

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Google News Wed, 07 Oct 2026

SBI Cards And Payment Services Share Price: Price Action - Univest

<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxNdjZxa1A3ZkxxUVVWVVMwblFKOXFwWmhXSXBKTTY1ZUUzV3dySjFUWmhDRlhTdEVTdGM3X3hneVRpb25oX1RtZDdURzYwWmxaaUxnd3RBYTZrdnFEbC1DcmlPbnp1bGRmVGM0NWc1cHRNbWJVYXRta1VER3NnWHBsUTAyT1BPMFVzUXhuSG…

Google News Fri, 21 Aug 2026

SBI Card's most bearish analyst expects the share price to fall 34%; Here's why - CNBC TV18

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SBICARD — Frequently Asked Questions

What is the current share price of SBI Cards and Payment Services Limited (SBICARD)?

As of 2026-10-23 04:58 IST, SBI Cards and Payment Services Limited (SBICARD) trades at ₹557.95 on NSE. Its 52-week range is ₹547.65 to ₹934.68.

What is the market capitalisation of SBICARD?

SBI Cards and Payment Services Limited (SBICARD) has a market capitalisation of ₹53,096.96 Cr on NSE.

What is the P/E ratio of SBICARD?

SBICARD trades at a trailing price-to-earnings (P/E) ratio of 23.35. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 3.40.

Does SBICARD pay a dividend?

SBI Cards and Payment Services Limited (SBICARD) currently offers a dividend yield of 0.45%.

What is the return on equity (ROE) of SBICARD?

SBICARD has a return on equity (ROE) of 13.78%.

Is SBICARD a good stock to buy?

This page provides a data-driven analysis of SBI Cards and Payment Services Limited (SBICARD), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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