SBI Cards And Payment Services Ltd.
Price
Daily candles · NSEWhat the numbers say
- Good return on equity: 3-year ROE 17.2%.
- Carries leverage: debt-to-equity of 2.80.
- Sales compounded at 13.3% over 3 years.
- Weak cash conversion (CFO/OP -0.36).
- Trades above its industry P/E (24.9 vs 22.7).
Generated automatically from reported financials. These are observations, not a recommendation to buy or sell.
- SBI Cards, Eternal launch co-branded ‘Eternal SBI Card’
Cardholders get a 10% instant discount on transactions on Zomato, District, and Blinkit and a 5% instant discount on purchases under all other categories on Blinkit
- SBI Card, Google Pay launch co-branded 'Google Pay Flex SBI Card'
The Google Pay Flex SBI Card is designed to simplify and elevate the everyday payment experience, delivering a convenient blend of rewards, flexibility, and security
Company announcements as filed with the exchanges. Reproduced for information — not a view or a recommendation.
| Profit & Loss · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Net Sales | 19,900 | 18,072 | 16,968 | 13,667 | 10,677 |
| Other income | 808 | 565 | 515 | 619 | 1,181 |
| Total Income | 20,708 | 18,637 | 17,484 | 14,286 | 11,858 |
| Expenditure | 13,610 | 11,966 | 10,742 | 8,807 | 8,034 |
| Operating Profit | 7,098 | 6,671 | 6,741 | 5,478 | 3,824 |
| Interest | 4,049 | 3,944 | 3,313 | 2,284 | 1,503 |
| Depreciation | 136 | 147 | 197 | 164 | 149 |
| Profit before tax | 2,913 | 2,581 | 3,232 | 3,031 | 2,172 |
| Tax | 746 | 664 | 824 | 772 | 556 |
| Net Profit | 2,167 | 1,916 | 2,408 | 2,258 | 1,616 |
| EPS (₹) | 22.77 | 20.15 | 25.39 | 23.92 | 17.16 |
| Net margin % | 10.9 | 10.6 | 14.2 | 16.5 | 15.1 |
Standalone figures, as filed with the exchanges. Newest year first.
| Balance Sheet · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Equity capital | 952 | 951 | 951 | 946 | 943 |
| Reserves | 14,759 | 12,815 | 11,120 | 8,844 | 6,762 |
| Net worth | 15,710 | 13,766 | 12,071 | 9,790 | 7,705 |
| Total sources | 22,423 | 20,475 | 20,176 | 17,986 | 15,399 |
| Net block | 219 | 320 | 542 | 551 | 439 |
| Capital work in progress | 12 | 10 | 22 | 23 | 14 |
| Investments | 6,408 | 6,264 | 3,541 | 2,171 | 1,358 |
| Debtors | 283 | 236 | 243 | 142 | 168 |
| Cash & bank | 2,320 | 2,738 | 2,730 | 1,354 | 1,106 |
| Book value (₹) | 165.09 | 144.70 | 126.94 | 103.48 | 81.69 |
Standalone figures, as filed with the exchanges. Newest year first.
| Cash Flow · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| From operations | 493 | -2,140 | -5,653 | -6,671 | -4,391 |
| From investing | 245 | -2,491 | -1,255 | -921 | -538 |
| From financing | -1,172 | 4,687 | 8,401 | 7,824 | 5,045 |
| Net change in cash | -434 | 55 | 1,492 | 232 | 115 |
| Free cash flow | 739 | -4,631 | -6,908 | -7,592 | -4,930 |
| Closing cash | 2,104 | 2,538 | 2,482 | 990 | 758 |
Standalone figures, as filed with the exchanges. Newest year first.
| Ratios | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| ROCE % | 11.7 | 11.8 | 14.1 | 14.8 | 13.4 |
| ROE % | 14.7 | 14.8 | 22.0 | 25.8 | 23.1 |
| PAT margin % | 10.9 | 10.6 | 14.2 | 16.5 | 15.1 |
| EBIT margin % | 35.0 | 36.1 | 38.6 | 38.9 | 34.4 |
| Debt / equity | 2.80 | 3.27 | 3.30 | 3.18 | 2.98 |
| Current ratio | 0.14 | 0.15 | 0.15 | 0.14 | 0.17 |
| Interest cover | 1.72 | 1.65 | 1.98 | 2.33 | 2.44 |
| Sales growth % | 10.1 | 6.5 | 24.2 | 28.0 | 14.9 |
| Dividend per share (₹) | 2.50 | 2.50 | 2.50 | 2.50 | 2.50 |
| Payout % | 11.0 | 12.4 | 9.9 | 10.5 | 14.6 |
Standalone figures, as filed with the exchanges. Newest year first.
Frequently asked
SBI Cards And Payment Services Ltd. (SBICARD) last traded at ₹566.30 on the NSE, up +1.50% on the session. Prices on this page are indicative and for information only.
SBI Cards And Payment Services Ltd. has traded between ₹545.55 and ₹965.00 over the last 52 weeks on the NSE.
SBI Cards And Payment Services Ltd. has a market capitalisation of about ₹53,889 crore.
SBI Cards And Payment Services Ltd. trades at a P/E of 24.9, against an industry P/E of 22.7.
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Who is actually trading it
Delivery against churn, the deals big enough to be reported, what the insiders did, and the benchmarks that hold SBI Cards And Payment Services Ltd..
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Exchange filings and end-of-day data, not a live feed. Bulk, block and insider records are published by the exchanges when a threshold is crossed, so they show reportable activity only. For information, not a recommendation to deal, and not a view on any person named above.
Disclosures. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Prices and data on this page are indicative and for information only. Nothing here is investment advice or a recommendation to buy or sell any security. Investors should consider their own objectives, financial situation and risk profile, and may wish to seek independent advice, before investing.
Figures are as reported by the company; consolidated where available. Errors and omissions excepted.
L. F. C. Securities Pvt. Ltd. · Member BSE, NSE, MCX · SEBI Stock Broker INZ000170736 · CDSL IN-DP-281-2016 · AMFI ARN-78991 · Investment Adviser (Non-Individual) INA000011617 · Compliance Officer: Mr. Santosh Patil · santoshp@labdhi.in · 022-35006933 · Investor Grievances: investorgreve@labdhi.in