Financial Services · NIFTY 500

SBI Cards and Payment Services Limited

NSESBICARD BSE543066 ISININE018E01016 SeriesEQ Listed on NSE · BSE

₹590.00 +5.25 (+0.90%) Updated 12 Nov, 7:47 pm IST

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Price, daily close-33.55% in a year

Today

Open: ₹585.00
Prev close: ₹584.75
Day high: ₹600.90
Day low: ₹584.00
Volume: 13.54 L
Value traded: ₹80.40 Cr
Upper circuit: ₹607.60
Lower circuit: ₹572.30
52W high: ₹906.40
52W low: ₹519.05
1 month: +6.82%
6 months: -8.81%

52W low52W high

Ratios

Key numbers

Worked out from the latest filings (Standalone) and today's price. TTM = last four quarters.

Market cap₹56,147 Cr

P/E (TTM)21.53

P/B3.27

Book value / share₹180.45

EPS (TTM)₹27.40

ROE15.2%

Dividend yield0.42%

Dividend (12m)₹2.50 / share

Net margin (TTM)12.9%

Operating marginn/a (bank)

Debt / equityn/a (bank)

Current ratio—

EV / EBITDA—

Sales growth (YoY qtr)+3.62%

Profit growth (YoY qtr)+74.83%

Sales CAGR 3Y+13.34%

Profit CAGR 3Y-1.37%

Shares95.16 Cr

Quarterly results

Results for each quarter

Last 12 quarters, standalone, ₹ crore. Hover a bar to see the number.

Revenue and net profit

4,622549

Dec 23

4,348662

Mar 24

4,359594

Jun 24

4,421404

Sep 24

4,619383

Dec 24

4,674534

Mar 25

4,877556

Jun 25

4,961445

Sep 25

5,127557

Dec 25

4,935609

Mar 26

5,041664

Jun 26

5,141778

Sep 26

Revenue · QoQ (vs last quarter)

—-5.9%+0.3%+1.4%+4.5%+1.2%+4.3%+1.7%+3.4%-3.8%+2.1%+2.0%

Revenue · YoY (vs a year ago)

————-0.1%+7.5%+12%+12%+11%+5.6%+3.4%+3.6%

Net profit · QoQ (vs last quarter)

—+21%-10%-32%-5.2%+39%+4.1%-20%+25%+9.5%+9.0%+17%

Net profit · YoY (vs a year ago)

————-30%-19%-6.5%+10.0%+45%+14%+20%+75%

RevenueNet profitLine = trend

5.78

Dec 23

6.96

Mar 24

6.25

Jun 24

4.25

Sep 24

4.03

Dec 24

5.61

Mar 25

5.84

Jun 25

4.67

Sep 25

5.85

Dec 25

6.40

Mar 26

6.98

Jun 26

8.17

Sep 26

EPS (₹) · YoY (vs a year ago)

————-30%-19%-6.6%+9.9%+45%+14%+20%+75%

EPS (₹)Line = trend

₹ Cr	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25	Dec 25	Mar 26	Jun 26	Sep 26
Interest earned	4,622	4,348	4,359	4,421	4,619	4,674	4,877	4,961	5,127	4,935	5,041	5,141
Other income	120	127	124	135	148	158	158	176	226	253	165	161
Total income	4,742	4,475	4,483	4,556	4,767	4,832	5,035	5,136	5,353	5,187	5,205	5,302
Raw material	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Purchases	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Employee cost	144	132	134	149	152	154	161	158	184	158	207	181
Other expenses	1,679	1,478	1,486	1,664	1,763	1,725	1,739	2,022	2,032	1,961	1,986	2,102
Total expenses	4,004	3,586	3,683	4,011	4,249	4,113	4,287	4,537	4,604	4,371	4,312	4,256
Finance cost	695	724	767	788	829	795	813	760	785	714	745	787
Depreciation	50.8	51.6	49.4	50.4	48.8	-1.7	35.0	35.0	33.9	32.3	30.5	32.5
Profit before tax	738	888	799	545	518	719	748	600	749	816	893	1,046
Tax	189	226	205	141	134	184	192	155	192	207	229	268
Net profit	549	662	594	404	383	534	556	445	557	609	664	778
EPS (₹)	5.78	6.96	6.25	4.25	4.03	5.61	5.84	4.67	5.85	6.40	6.98	8.17

Profit & loss

Results for each year

7 financial years (April to March), standalone, ₹ crore.

Sales, operating profit and net profit

9,2761,245

FY20

9,277985

FY21

10,6771,616

FY22

13,6672,258

FY23

16,9682,408

FY24

18,0721,916

FY25

19,9002,167

FY26

Revenue · YoY (vs a year ago)

—+0.0%+15%+28%+24%+6.5%+10%

Net profit · YoY (vs a year ago)

—-21%+64%+40%+6.6%-20%+13%

RevenueNet profitLine = trend

₹ Cr	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Interest earned	9,276	9,277	10,677	13,667	16,968	18,072	19,900
Other income	476	436	624	619	515	565	808
Total expenses	8,023	8,390	9,129	11,255	14,252	16,056	17,794
Employee cost	468	492	473	562	570	590	661
Finance cost	1,301	1,043	1,027	1,648	2,595	3,178	3,072
Depreciation	104	123	149	164	197	147	136
Profit before tax	1,730	1,324	2,172	3,031	3,232	2,581	2,913
Tax	485	339	556	772	824	664	746
Tax rate %	28.0%	25.6%	25.6%	25.5%	25.5%	25.7%	25.6%
Net profit	1,245	985	1,616	2,258	2,408	1,916	2,167
Net margin %	13.4%	10.6%	15.1%	16.5%	14.2%	10.6%	10.9%
EPS (₹)	13.21	10.38	17.02	23.80	25.37	20.14	22.77

Balance sheet

Assets and debt

At each year end (and the latest half year), ₹ crore.

Equity, debt and assets

9,83023,1430.0

Mar 23

12,08431,9930.0

Mar 24

13,78238,4630.0

Mar 25

15,72637,6210.0

Mar 26

17,17241,5190.0

Sep 26

Shareholders' equity · YoY (vs a year ago)

—+23%+14%+14%—

Shareholders' equityBorrowingsDepositsLine = trend

₹ Cr	Mar 23	Mar 24	Mar 25	Mar 26	Sep 26
Shareholders' equity	9,830	12,084	13,782	15,726	17,172
Deposits	0.0	0.0	0.0	0.0	0.0
Total borrowings	23,143	31,993	38,463	37,621	41,519
Fixed assets (PPE)	448	438	227	158	29.6
Investments	2,140	3,519	6,235	6,374	7,980
Inventories	0.0	0.0	0.0	0.0	0.0
Cash & equivalents	990	2,482	2,538	2,104	3,561
Total assets	45,546	58,171	65,546	66,328	71,102
Debt / equity	2.35	2.65	2.79	2.39	2.42

Cash flow

Cash coming in and going out

For each financial year, ₹ crore. Free cash flow = cash from operations minus spending on fixed assets.

Operating, investing and financing cash

-4,391-5385,045

FY22

-6,671-9217,824

FY23

-5,452-1,4578,401

FY24

-2,140-2,4914,687

FY25

493245-1,172

FY26

Operations · YoY (vs a year ago)

—-52%+18%+61%+123%

OperationsInvestingFinancingLine = trend

₹ Cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-4,391	-6,671	-5,452	-2,140	493
Cash from investing	-538	-921	-1,457	-2,491	245
Cash from financing	5,045	7,824	8,401	4,687	-1,172
Spent on fixed assets	-99.9	-93.4	-74.5	-55.8	-33.6
Free cash flow	-4,491	-6,764	-5,526	-2,196	459
Net cash flow	115	232	1,492	55.5	-434

Shareholding

Who holds the shares

Promoter and public holding at each quarter end, as filed with NSE.

Holding over time

68.8%Dec 23

68.6%Mar 24

68.6%Jun 24

68.6%Sep 24

68.6%Dec 24

68.6%Mar 25

68.6%Jun 25

68.6%Sep 25

68.6%Dec 25

68.9%Mar 26

68.9%Jun 26

68.9%Sep 26

Promoter & groupPublic

Latest (30 Sep 2026)

68.9%promoter

Promoter & group: 68.86%
Public (FIIs, mutual funds, retail…): 31.14%
Promoter change, last quarter: 0.00 pts

Dividends & news

Latest dividends and announcements

Dividends & corporate actions

Interim Dividend - Rs 2.50 Per ShareEx 11-Mar-2026
Interim Dividend - Rs 2.50 Per ShareEx 25-Feb-2025
Interim Dividend - Rs 2.50 Per ShareEx 28-Mar-2024
Interim Dividend - Rs 2.50 Per ShareEx 29-Mar-2023
Interim Dividend - Rs 2.50 Per ShareEx 30-Mar-2022
Interim Dividend - Re 1 Per ShareEx 15-May-2020

Board meetings

SBI Cards and Payment Services Limited has informed the Exchange about Board Meeting to be held on 23-Oct-2026 to inter-alia consider and approve the…23-Oct-2026
the financial results for the period ended September 30, 202623-Oct-2026
SBI CARDS AND PAYMENT SERVICES LIMITED has informed the Exchange about Board Meeting to be held on 24-Jul-2026 to inter-alia consider and approve the…24-Jul-2026
the financial results for the period ended Jun 30, 202624-Jul-2026
SBI CARDS AND PAYMENT SERVICES LIMITED has informed the Exchange about Board Meeting to be held on 27-Apr-2026 to inter-alia consider and approve the…27-Apr-2026

Filings with NSE

Analysts/Institutional Investor Meet/Con. Call Updates12 Nov
Analysts/Institutional Investor Meet/Con. Call Updates12 Nov
Analysts/Institutional Investor Meet/Con. Call Updates29 Oct
ESOP/ESOS/ESPS29 Oct
Press Release28 Oct
Copy of Newspaper Publication24 Oct
Analysts/Institutional Investor Meet/Con. Call Updates23 Oct

Latest news

SBI Cards and Payment Services (NSEI:SBICARD) Stock Forecast & Analyst PredictionsSimply Wall St · 3 Nov, 1:30 pm SBI Card slips 3% on posting Q4 results; Motilal Oswal, Emkay trim targetsBusiness Standard · 28 Apr, 12:30 pm SBI Cards Share Price Fall: Price, Valuation, Peer ViewUnivest · 25 Sep, 12:30 pm SBI Cards & Payment Services Ltd Share Price Today NSE/BSE ChartsAlice Blue · 26 Aug, 3:36 am SBI Cards & Payment Services Ltd spurts 1.63%, gains for fifth straight sessionBusiness Standard · 15 Jul, 12:30 pm SBI Cards And Payment Services Ltd. Share Price News TodayUnivest · 20 Aug, 12:30 pm SBI Cards And Payment Services Ltd. Share Price Today | SBI Cards Live NSE/BSEValue Research · 25 Mar, 4:34 pm SBI Card Share Price Today, SBI Card Stock Price Live NSE/BSE UpdatesThe Economic Times · 5 May, 5:20 pm

About

About SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited is listed on the NSE under the symbol SBICARD and belongs to the Financial Services sector.

Company details

Company name: SBI Cards and Payment Services Limited
NSE symbol: SBICARD
BSE scrip code: 543066
ISIN: INE018E01016
Listed on: NSE, BSE
Series: EQ (normal equity)
Listed on NSE since: 16 Mar 2020
Face value: ₹10 per share
Market lot: 1 share
Shares issued: 95.16 crore
Index: NIFTY 500
Sector (NSE): Financial Services
Industry: Finance/Rental/Leasing
Managing director / CEO: Salila Pande
Chair: Challa Sreenivasulu Setty
Headquarters: India, Haryana, India
Registered address: 2nd Floor, Tower-B, Infinity Towers, DLF Cyber City, Block 2 Building 3, DLF Phase 2, Gurugram, Haryana 122 002, India
Founded: 1998
Employees: 33,129
Financial year: April to March
Results basis: Standalone
Website: sbicard.com

Peers

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Prices from NSE via Upstox. Financials from the company's results filed with NSE (XBRL); ratios are our own working. Profile from global-stock-logos (MIT). For information only, not a recommendation to buy or sell.

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SBI Cards and Payment Services Limited

Today

Ratios

Quarterly results

Revenue and net profit

Profit & loss

Sales, operating profit and net profit

Balance sheet

Equity, debt and assets

Cash flow

Operating, investing and financing cash

Shareholding

Holding over time

Latest (30 Sep 2026)

Dividends & news

Dividends & corporate actions

Board meetings

Filings with NSE

Latest news

About

Company details

Peers