SBI Cards & Payment Services Ltd (SBICARD) share price, results, shareholding

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	4,087	4,622	4,348	4,359	4,421	4,619	4,674	4,877	4,961	5,127	4,934	5,041
Interest	605	695	724	767	788	829	795	813	760	785	714	745
Expenses	2,760	3,258	2,811	2,867	3,173	3,372	3,320	3,439	3,742	3,785	3,625	3,537
Financing Profit	722	668	813	725	461	419	559	625	459	557	596	759
Financing Margin %	18%	14%	19%	17%	10%	9%	12%	13%	9%	11%	12%	15%
Other Income	134	120	127	124	135	148	158	158	176	226	253	165
Depreciation	47	51	52	49	50	49	-2	35	35	34	32	31
Profit before tax	809	738	888	799	545	518	719	748	600	749	816	893
Tax %	26%	26%	25%	26%	26%	26%	26%	26%	26%	26%	25%	26%
Net Profit	603	549	662	594	404	383	534	556	445	557	609	664
EPS in Rs	6.37	5.78	6.97	6.25	4.25	4.03	5.61	5.84	4.67	5.85	6.40	6.98
Gross NPA %	2.43%	2.64%	2.76%	3.06%	3.27%	3.24%	3.08%	3.07%	2.85%	2.86%	2.41%	2.04%
Net NPA %	0.89%	0.96%	0.99%	1.11%	1.19%	1.18%	1.46%	1.42%	1.29%	1.28%	1.04%	0.83%

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	2,392	3,347	5,195	7,017	9,281	9,301	10,679	13,670	16,986	18,074	19,901	20,063
Interest	436	528	712	1,009	1,301	1,043	1,027	1,648	2,595	3,178	3,072	3,003
Expenses	1,617	2,366	3,715	4,887	6,618	7,223	7,953	9,444	11,460	12,731	14,587	14,689
Financing Profit	339	452	769	1,121	1,362	1,034	1,699	2,579	2,931	2,164	2,243	2,371
Financing Margin %	14%	14%	15%	16%	15%	11%	16%	19%	17%	12%	11%	12%
Other Income	100	124	175	270	471	413	622	615	498	563	806	819
Depreciation	1	5	24	55	104	123	149	164	197	147	136	132
Profit before tax	438	572	919	1,335	1,730	1,324	2,172	3,031	3,232	2,581	2,913	3,058
Tax %	35%	35%	35%	35%	28%	26%	26%	25%	25%	26%	26%
Net Profit	284	373	601	865	1,245	985	1,616	2,258	2,408	1,916	2,167	2,275
EPS in Rs	3.62	4.75	7.66	10.33	13.26	10.47	17.14	23.87	25.32	20.14	22.77	23.90
Dividend Payout %	28%	21%	0%	10%	8%	0%	15%	10%	10%	12%	11%

	10 Years	5 Years	3 Years	TTM	1 Year	Last Year
Compounded Sales Growth	24%	16%	13%	8%
Compounded Profit Growth	23%	17%	-1%	21%
Stock Price CAGR	%	-11%	-10%		-34%
Return on Equity	20%	19%	17%			15%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	785	785	785	785	837	939	941	943	946	951	951	952
Reserves	181	370	664	1,568	2,751	4,402	5,362	6,810	8,884	11,133	12,830	14,774
Borrowing	4,699	5,928	8,268	11,413	13,549	17,573	17,895	22,982	31,110	39,891	44,947	44,064
Other Liabilities	593	797	1,048	1,920	3,009	2,393	2,816	3,913	4,606	6,196	6,817	6,539
Total Liabilities	6,257	7,880	10,765	15,686	20,146	25,307	27,013	34,648	45,546	58,171	65,546	66,328
Fixed Assets	2	2	24	242	196	311	308	439	551	542	320	219
CWIP	0	0	0	35	20	24	10	14	23	22	10	12
Investments	0	0	0	0	1	1	958	1,297	2,140	3,519	6,235	6,374
Other Assets	6,256	7,878	10,741	15,409	19,928	24,971	25,737	32,898	42,832	54,088	58,980	59,723
Total Assets	6,257	7,880	10,765	15,686	20,146	25,307	27,013	34,648	45,546	58,171	65,546	66,328

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-879	-1,158	-2,235	-2,891	-2,327	-4,063	692	-4,391	-6,671	-5,653	-2,140	493
Cash from Investing Activity	1	1	-1	128	-76	-77	-997	-538	-921	-1,255	-2,491	245
Cash from Financing Activity	1,008	1,141	2,244	2,953	2,824	3,923	432	5,045	7,824	8,401	4,687	-1,172
Net Cash Flow	130	-17	9	190	422	-218	127	115	232	1,492	55	-434
Free Cash Flow	-879	-1,158	-2,236	-2,931	-2,423	-4,141	635	-4,491	-6,764	-5,728	-2,196	459
CFO/OP	-142%	-138%	-193%	-178%	-87%	-127%	57%	-147%	-140%	-85%	-26%	24%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	31%	27%	29%	32%	29%	28%	17%	23%	26%	22%	15%	15%

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	68.94%	68.75%	68.63%	68.62%	68.61%	68.60%	68.60%	68.59%	68.59%	68.58%	68.92%	68.86%
FIIs	9.08%	9.35%	8.59%	8.72%	9.18%	9.52%	9.88%	10.23%	10.10%	10.14%	9.54%	8.98%
DIIs	17.28%	16.27%	16.68%	16.54%	16.76%	16.47%	17.22%	17.50%	17.76%	17.84%	18.12%	18.13%
Public	4.69%	5.62%	6.09%	6.11%	5.46%	5.41%	4.30%	3.68%	3.56%	3.42%	3.42%	4.02%
No. of Shareholders	9,61,296	10,28,673	10,36,632	10,19,117	9,48,916	9,37,270	8,47,672	7,74,642	7,50,786	7,18,342	7,05,597	7,29,862

Fundamentals

Market Cap₹ 55,290 Cr.

Current Price₹ 581

Stock P/E24.3

Book Value₹ 165

ROCE10.1 %

ROE14.7 %

Dividend Yield0.43 %

Face Value₹ 10.0

Compounded Sales Growth (TTM)8%

Compounded Profit Growth (TTM)21%

Standalone figures.

Valuation

Market capRs 53,594 Cr

Enterprise valueRs 95,338 Cr

P/E (TTM)23.56x

Price to book3.41x

Price to sales2.67x

EV / EBITDA15.39x

EV / EBIT15.73x

EV / sales4.75x

Price to cash flow108.70x

Earnings yield4.25%

Dividend yield0.44%

P/E, 3-year average32.87x

P/B, 3-year average5.10x

P/E, 5-year average35.86x

P/B, 5-year average6.56x

Profitability

Operating margin (excl. other income)26.71%

Operating margin (incl. other income)30.76%

EBITDA margin30.87%

Pre-tax margin15.24%

Net profit margin11.34%

Net margin, latest quarter13.18%

ROE14.69%

ROCE10.10%

ROA3.29%

ROE, 3-year average17.16%

ROCE, 3-year average11.02%

ROA, 3-year average3.68%

ROE, 5-year average20.03%

ROCE, 5-year average11.55%

ROA, 5-year average4.38%

ROIC (approx.)7.84%

Tax rate25.62%

Other income / net worth5.13%

Growth

Sales growth (latest year)10.11%

Profit growth (latest year)13.06%

Sales CAGR, 3 years13.34%

Sales CAGR, 5 years16.43%

Profit CAGR, 3 years-1.37%

Profit CAGR, 5 years17.09%

Sales growth QoQ2.15%

Profit growth QoQ9.05%

Sales growth YoY (latest quarter)3.36%

Profit growth YoY (latest quarter)19.51%

Per share

EPS (TTM)Rs 23.91

EPS (latest year)Rs 22.77

EPS (latest quarter)Rs 6.98

EPS, 3-year averageRs 22.74

EPS, 5-year averageRs 21.85

Book value per shareRs 165.25

Sales per shareRs 210.84

Cash flow per shareRs 5.18

Free cash flow per shareRs 4.82

Dividend per share (latest year)Rs 2.50

Dividend per share, 3-year averageRs 2.50

Dividend per share, 5-year averageRs 2.50

Dividends

Dividend payout10.98%

Dividend payout, 3-year average11.09%

Dividend payout, 5-year average11.67%

Efficiency

Asset turnover0.30x

Fixed asset turnover90.87x

Debtor days5 days

Debtors turnover70.30x

Leverage

Total debtRs 44,064 Cr

Cash and bankRs 2,320 Cr

Net debtRs 41,744 Cr

Debt to equity2.80x

Net debt / EBITDA6.74x

Interest coverage2.02x

Owners' fund to total sources23.71%

Debt to assets66.43%

Cash flow

Cash from Operating Activity (latest year)Rs 493 Cr

Cash from Investing Activity (latest year)Rs 245 Cr

Cash from Financing Activity (latest year)Rs -1,172 Cr

Net Cash Flow (latest year)Rs -434 Cr

Free cash flow (latest year)Rs 459 Cr

FCFE (approx.: FCF + change in debt)Rs -424 Cr

Cash from ops / profit, 5 years-1.77x

Sales to cash flow40.37x

Statement figures

Net sales (TTM)Rs 20,063 Cr

Net sales (latest year)Rs 19,901 Cr

Sales (latest quarter)Rs 5,041 Cr

Operating profit excl. other income (latest year)Rs 5,315 Cr

Operating profit (latest quarter)Rs 1,503 Cr

Other income (TTM)Rs 819 Cr

EBITDA (TTM)Rs 6,193 Cr

PBDT (TTM)Rs 3,190 Cr

Profit before tax (TTM)Rs 3,058 Cr

Tax (latest year)Rs 746 Cr

Net profit (TTM)Rs 2,275 Cr

Net profit (latest year)Rs 2,167 Cr

Net profit (latest quarter)Rs 664 Cr

Depreciation (TTM)Rs 132 Cr

Depreciation (latest quarter)Rs 31 Cr

Interest (TTM)Rs 3,003 Cr

Cost of goods sold (latest year)Rs 1,823 Cr

Total expenditure (latest year)Rs 14,587 Cr

Total income (latest year)Rs 20,708 Cr

Share capitalRs 952 Cr

ReservesRs 14,774 Cr

Shareholders' fundsRs 15,726 Cr

Total assetsRs 66,328 Cr

Net blockRs 219 Cr

Capital work in progressRs 12 Cr

InvestmentsRs 6,374 Cr

ReceivablesRs 283 Cr

Other liabilitiesRs 6,539 Cr

Shares outstanding (crore)95.16

Ownership

Promoter holding68.86% (+0.27 in a year)

Computed by MarketFriction from the standalone statements. Returns use average balances.

P/E 23.6 is the lowest in its own 6.7-year history (median 44.2, low 23.6, high 110.2).

P/B 3.41 is the lowest in 6.7 years (median 8.20).

Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.

Period	SBICARD	Nifty 50	Difference
1 week	-8.9%	-2.8%	-6.1 pts
1 month	-10.9%	-6.8%	-4.2 pts
3 months	-6.7%	-7.6%	+0.9 pts
6 months	-11.4%	+0.4%	-11.8 pts
1 year	-36.5%	-9.9%	-26.6 pts
2 years	-29.2%	-13.6%	-15.6 pts
3 years	-28.8%	+14.2%	-43.0 pts
5 years	-46.2%	+27.9%	-74.1 pts

119 mutual fund schemes hold about ₹7,721 Cr. Over three months 99 bought more and 15 sold (share counts, price move removed).

Fund	Weight	Est. Cr	3m shares
ICICI Pru Large & Mid Cap Fund	5.11%	1,717	+16%
ICICI Pru Multi Asset Allocation Fund	1.53%	1,348	+14%
ICICI Pru India Opp Fund	1.28%	490	+13%
Nippon India Multi Cap Fund	0.75%	422	-15%
ICICI Pru Banking & Fin Serv Fund	3.04%	345	+13%
ICICI Pru Banking & Fin Serv Fund	3.04%	342	+13%
Nippon India Focused Fund	3.49%	302	+20%
Nippon India Large Cap Fund	0.55%	299	+15%
Tata Large & Mid Cap Fund	3.86%	297	+20%
Nippon India Banking & Financial Services Fund	3.17%	251	+15%
SBI Large & Midcap Fund	0.47%	199	+100%
ICICI Pru ELSS-Tax Saver Fund	1.27%	181	+15%
ICICI Pru Multi Cap Fund	0.88%	171	+9%
ICICI Pru Multi Cap Fund	0.88%	164	+9%
SBI PSU Fund	2.44%	164	+100%
ICICI Pru Infrastructure Fund	1.51%	129	+16%
HDFC Balanced Advantage Fund	0.11%	121	+15%
Franklin India Multi Cap Fund	1.74%	92	+100%
HDFC Large & Mid Cap Fund	0.20%	62	+13%
DSP Large & Mid Cap Fund	0.29%	54	+15%
DSP ELSS Tax Saver Fund	0.32%	54	+17%
Mahindra Manulife Mid Cap Fund	0.99%	54	+100%
iSIF Equity Ex-Top 100 Long-Short Fund	1.52%	38	+34%
ICICI Pru Mid Cap Fund	0.40%	33	+9%
ICICI Pru PSU Equity Fund	1.72%	32	+19%

Red flags

F-score 6 of 8

explain

Weak cash conversion Cash from operations was -112% of net profit over the last 3 years

Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures

Date	Who	Role	Side	Shares	Value	How
2021-12-07	Rajesh C	Employees/Designated Employe	sell	1,400	Rs 0.14 Cr	Market Sale
2021-12-07	Rajesh C	Employees/Designated Employe	other	1,400	Rs 0.14 Cr	Revokation of Pledge
2021-12-07	Pushpendra Singh	Employees/Designated Employe	sell	5,000	Rs 0.50 Cr	Market Sale
2021-12-07	Pushpendra Singh	Employees/Designated Employe	other	5,000	Rs 0.50 Cr	Revokation of Pledge
2021-12-03	Payal Mittal Chhabra	Key Managerial Personnel	sell	500	Rs 0.05 Cr	Market Sale
2021-12-03	Payal Mittal Chhabra	Key Managerial Personnel	other	2,000	Rs 0.20 Cr	Pledge Creation
2021-12-03	Amandeep Singh	Employees/Designated Employe	other	4,500	Rs 0.45 Cr	Pledge Creation
2021-12-03	Payal Mittal Chhabra	Key Managerial Personnel	other	500	Rs 0.05 Cr	Revokation of Pledge
2021-12-03	Manish Dewan	Employees/Designated Employe	sell	3,310	Rs 0.33 Cr	Market Sale
2021-12-03	Manish Dewan	Employees/Designated Employe	other	3,310	Rs 0.33 Cr	Revokation of Pledge
2021-12-02	Payal Mittal Chhabra	Key Managerial Personnel	other	500	Rs 0.05 Cr	Revokation of Pledge
2021-12-02	Payal Mittal Chhabra	Key Managerial Personnel	sell	500	Rs 0.05 Cr	Market Sale

Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026

Revenue ₹5,041 Cr +3.4% vs Jun 2025. Net profit ₹664 Cr +19.4%.

Activity

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No bulk or block deals on record.

Ex-date	Action	Factor
2026-03-11	Interim Dividend - Rs 2.50 Per Share
2025-02-25	Interim Dividend - Rs 2.50 Per Share
2024-03-28	Interim Dividend - Rs 2.50 Per Share
2023-03-29	Interim Dividend - Rs 2.50 Per Share
2022-03-30	Interim Dividend - Rs 2.50 Per Share
2020-05-15	Interim Dividend - Re 1 Per Share

Date	Type	What it says
2026-09-30	Concall / analyst meet	Schedule of meet
2026-09-29	Concall / analyst meet	Schedule of meet
2026-09-28	Concall / analyst meet	Schedule of meet
2026-09-28	Concall / analyst meet	Schedule of meet
2026-09-25	Concall / analyst meet	Schedule of meet
2026-09-25	Concall / analyst meet	Schedule of meet
2026-09-25	ESOP	Allotment of 685 Shares.
2026-09-24	Concall / analyst meet	Schedule of meet
2026-09-24	Concall / analyst meet	Schedule of meet
2026-09-23	Concall / analyst meet	Schedule of meet
2026-09-23	Press Release	A press release dated September 23, 2026, titled "SBI Card Launches Fixed Deposit Backed Secured Advantage SBI Card on SBI YONO".
2026-09-22	Appointment	Appointment of M/s. V.K. Dhingra & Co. and M/s. S.P. Chopra & Co. as Joint Statutory Auditors of the Company w.e.f. September 22, 2026.
2026-09-21	Updates	Code of Conduct under SEBI(PIT) Reg., 2015.
2026-09-18	General Updates	ESG Rating.
2026-09-17	Concall / analyst meet	Schedule of meet
2026-09-15	Concall / analyst meet	Schedule of meet
2026-09-15	Concall / analyst meet	Schedule of meet
2026-09-11	Concall / analyst meet	Schedule of meet
2026-09-09	General Updates	ESG Rating
2026-09-08	Concall / analyst meet	Schedule of meet
2026-09-05	General Updates	ESG Rating
2026-09-03	General Updates	ESG Rating
2026-09-02	Concall / analyst meet	Schedule of meet
2026-09-01	Concall / analyst meet	Schedule of meet
2026-09-01	Concall / analyst meet	Schedule of meet

Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.

Put / call open interest0.65

Max pain (expiry 2026-10-27)600

Largest call open interest at700

Largest put open interest at600

Implied volatility, at the money32.3%

Underlying at snapshot563.20

Open interest by strike around the price, nearest expiry. End-of-day NSE snapshot, 01-Oct-2026 15:40:00. Max pain is the strike where option buyers together would lose the most at expiry.

Trade date	Shares sold short
2026-09-30	17
2026-09-29	800

Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.

Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of SBI Cards & Payment Services Ltd?

SBI Cards & Payment Services Ltd (SBICARD) has a market capitalisation of Rs 55,290 Cr. at the 2026-10-01 close.

What is the P/E ratio of SBI Cards & Payment Services Ltd?

SBI Cards & Payment Services Ltd trades at a P/E of 24.3 on trailing twelve-month profit, at the 2026-10-01 close.

What were SBI Cards & Payment Services Ltd's latest quarterly results?

In the Jun 2026 quarter, SBI Cards & Payment Services Ltd revenue was Rs 5,041 Cr (+3.4% vs Jun 2025) and net profit was Rs 664 Cr.

What is the 52-week high and low of SBI Cards & Payment Services Ltd?

The 52-week high is Rs 965.00 and the 52-week low is Rs 565.45.