Nifty

:

24619.35

Sensex

:

80539.91

131.95 (0.54%)
304.32 (0.38%)

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Nifty
Sensex

:
:

24619.35
80539.91

131.95 (0.54%)
304.32 (0.38%)

SBI Cards And Payment Services Ltd.

Finance - NBFC

Rating :

36/99

BSE: 543066 | NSE: SBICARD

Watchlist

NSE BSE

790.10

13-Aug-2025

Open
High
Low
Previous Close

797
797.2
784.3
789.95

Volume
Traded Value (lacs)
52 Week High
52 Week Low

264960
209285211.15
1027.25
659.8

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

75,180.20
40.04
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,17,388.62
0.32%
5.25

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

22.44
14.22
9.76

EBITDA CAGR (%)

10 Years
5 Years
3 Years

21.57
24.11
4.67

PAT CAGR (%)

10 Years
5 Years
3 Years

21.04
14.25
-5.33

P:E (Median)

8 Years
5 Years
3 Years

-
41.05
32.74

P:BV (Average)

8 Years
5 Years
3 Years

-
9.41
6.84

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
27.28
19.66

Earnings Forecasts:

(Updated: 06-06-2025)

Description 2024 2025 2026 2027
Adj EPS 25.39 20.15 29.45 38.54
P/E Ratio 31.12 39.21 26.83 20.50
Revenue 16968 18072 18090 21368
EBITDA 5509 5341 4944 6163
Net Income 2408 1916 2802 3638
ROA 4.6 3.1 3.9 4.5
P/B Ratio 6.22 5.45 4.66 3.89
ROE 21.98 14.82 18.54 20.06
FCFF 7479 15957 -6435 -2518
FCFF Yield 5.82 12.41 -5 -1.96
Net Debt 37161 42208 48362 56260
BVPS 127.07 144.86 169.64 203.18

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Net Sales 4,876.92 4,358.64 11.89% 4,673.95 4,347.72 7.50% 4,618.69 4,621.70 -0.07% 4,421.04 4,087.35 8.16%
Expenses 3,439.18 2,867.22 19.95% 3,319.64 2,810.96 18.10% 3,371.53 3,257.74 3.49% 3,172.58 2,760.33 14.93%
EBITDA 1,437.74 1,491.42 -3.60% 1,354.31 1,536.76 -11.87% 1,247.16 1,363.96 -8.56% 1,248.46 1,327.02 -5.92%
EBIDTM 29.48% 34.22% 28.98% 35.35% 27.00% 29.51% 28.24% 32.47%
Other Income 158.47 123.95 27.85% 157.79 126.85 24.39% 147.87 119.90 23.33% 134.78 134.05 0.54%
Interest 812.82 766.83 6.00% 795.26 723.82 9.87% 828.64 695.49 19.14% 787.68 604.86 30.23%
Depreciation 35.03 49.37 -29.05% -1.69 51.63 - 48.76 50.78 -3.98% 50.35 46.80 7.59%
PBT 748.36 799.17 -6.36% 718.53 888.16 -19.10% 517.63 737.59 -29.82% 545.21 809.41 -32.64%
Tax 192.40 204.72 -6.02% 184.35 225.79 -18.35% 134.40 188.51 -28.70% 140.79 206.43 -31.80%
PAT 555.96 594.45 -6.47% 534.18 662.37 -19.35% 383.23 549.08 -30.21% 404.42 602.98 -32.93%
PATM 11.40% 13.64% 11.43% 15.23% 8.30% 11.88% 9.15% 14.75%
EPS 5.84 6.25 -6.56% 5.61 6.96 -19.40% 4.03 5.77 -30.16% 4.25 6.34 -32.97%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 18,590.60 18,072.22 16,968.42 13,666.64 10,677.27 9,296.46 9,276.40 6,999.11 5,186.98 3,346.20 2,386.82 Net Sales Growth 6.75% 6.51% 24.16% 28.00% 14.85% 0.22% 32.54% 34.94% 55.01% 40.19% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.19 Gross Profit 18,590.60 18,072.22 16,968.42 13,666.64 10,677.27 9,296.46 9,276.40 6,999.11 5,186.98 3,346.20 2,369.63 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 99.28% Total Expenditure 13,302.93 11,966.12 10,742.34 8,807.25 8,033.71 7,223.19 6,617.92 4,887.20 3,065.53 1,767.60 1,520.73 Power & Fuel Cost - 4.42 4.31 4.41 5.26 4.43 5.42 6.32 4.79 2.52 2.39 % Of Sales - 0.02% 0.03% 0.03% 0.05% 0.05% 0.06% 0.09% 0.09% 0.08% 0.10% Employee Cost - 589.56 569.69 561.89 472.71 491.58 468.38 378.93 193.09 95.31 79.17 % Of Sales - 3.26% 3.36% 4.11% 4.43% 5.29% 5.05% 5.41% 3.72% 2.85% 3.32% Manufacturing Exp. - 2,772.57 3,505.04 3,033.46 2,285.30 1,460.64 1,488.34 1,073.37 364.46 256.51 20.70 % Of Sales - 15.34% 20.66% 22.20% 21.40% 15.71% 16.04% 15.34% 7.03% 7.67% 0.87% General & Admin Exp. - 3,579.33 3,247.82 2,940.09 2,368.70 2,535.43 2,697.33 2,271.73 1,669.90 840.72 1,129.53 % Of Sales - 19.81% 19.14% 21.51% 22.18% 27.27% 29.08% 32.46% 32.19% 25.12% 47.32% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 5,024.66 3,419.79 2,271.81 2,907.00 2,735.54 1,963.87 1,163.16 838.09 575.07 0.00 % Of Sales - 27.80% 20.15% 16.62% 27.23% 29.43% 21.17% 16.62% 16.16% 17.19% 11.49% EBITDA 5,287.67 6,106.10 6,226.08 4,859.39 2,643.56 2,073.27 2,658.48 2,111.91 2,121.45 1,578.60 866.09 EBITDA Margin 28.44% 33.79% 36.69% 35.56% 24.76% 22.30% 28.66% 30.17% 40.90% 47.18% 36.29% Other Income 598.91 564.93 515.08 619.03 1,180.50 417.12 475.89 287.74 183.22 124.83 106.25 Interest 3,224.40 3,943.53 3,312.61 2,284.04 1,503.34 1,043.40 1,300.93 1,009.36 1,360.82 1,127.02 533.32 Depreciation 132.45 146.82 196.75 163.81 148.56 123.26 103.80 55.22 24.49 4.79 0.84 PBT 2,529.73 2,580.68 3,231.80 3,030.57 2,172.16 1,323.73 1,729.64 1,335.08 919.35 571.62 438.18 Tax 651.94 664.27 823.92 772.10 556.02 339.21 484.82 470.12 318.20 198.76 154.28 Tax Rate 25.77% 25.74% 25.49% 25.48% 25.60% 25.63% 28.03% 35.21% 34.61% 34.77% 35.21% PAT 1,877.79 1,916.41 2,407.88 2,258.47 1,616.14 984.52 1,244.82 864.97 601.14 372.86 283.90 PAT before Minority Interest 1,877.79 1,916.41 2,407.88 2,258.47 1,616.14 984.52 1,244.82 864.97 601.14 372.86 283.90 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 10.10% 10.60% 14.19% 16.53% 15.14% 10.59% 13.42% 12.36% 11.59% 11.14% 11.89% PAT Growth -22.05% -20.41% 6.62% 39.74% 64.16% -20.91% 43.91% 43.89% 61.22% 31.33% EPS 19.74 20.14 25.31 23.74 16.99 10.35 13.08 9.09 6.32 3.92 2.98

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 13,781.72 12,084.03 9,830.05 7,752.70 6,302.03 5,341.22 3,587.78 2,353.06 1,448.82 1,155.04 Share Capital 951.36 950.97 946.07 943.18 940.53 938.96 837.22 785.00 785.00 785.00 Total Reserves 12,814.95 11,120.27 8,843.85 6,761.55 5,318.08 4,384.08 2,655.44 1,472.95 663.82 370.04 Non-Current Liabilities 6,250.32 7,737.80 7,909.06 7,428.12 4,754.34 4,595.78 3,167.24 1,683.45 434.15 296.26 Secured Loans 0.00 0.00 0.00 0.00 0.00 0.00 7.14 0.00 0.00 1.14 Unsecured Loans 6,483.30 7,897.87 7,966.75 7,487.20 5,019.12 4,732.89 3,224.87 1,771.45 563.36 340.00 Long Term Provisions 209.80 194.54 188.98 159.45 130.31 138.02 98.49 0.00 0.00 45.33 Current Liabilities 45,070.98 37,994.79 27,559.78 19,249.08 15,561.40 15,094.58 13,227.89 11,561.49 8,752.81 6,338.82 Trade Payables 1,592.91 1,507.71 1,405.96 1,127.67 892.72 728.84 665.06 529.56 119.07 85.89 Other Current Liabilities 4,547.86 4,052.78 2,561.94 2,308.21 1,513.68 1,061.27 1,639.32 987.75 431.73 287.01 Short Term Borrowings 38,463.31 31,993.21 23,142.87 15,495.26 12,875.66 12,839.86 10,317.36 9,641.37 7,705.06 5,586.99 Short Term Provisions 466.90 441.09 449.01 317.94 279.34 464.61 606.15 402.82 496.95 378.92 Total Liabilities 65,103.02 57,816.62 45,298.89 34,429.90 26,617.77 25,031.58 19,982.91 15,598.00 10,635.78 7,790.12 Net Block 320.12 542.10 550.96 439.46 308.10 310.91 196.22 241.76 23.85 2.06 Gross Block 1,036.48 1,195.45 1,067.66 831.51 596.45 478.77 264.40 270.80 28.64 5.60 Accumulated Depreciation 716.36 653.35 516.70 392.05 288.35 167.86 68.18 29.04 4.79 3.53 Non Current Assets 58,521.81 52,169.48 2,176.54 933.88 724.55 383.90 290.50 429.88 55.81 594.23 Capital Work in Progress 10.14 22.31 22.69 14.24 10.07 23.66 20.17 35.06 0.00 0.00 Non Current Investment 4,228.35 2,504.15 1,572.08 418.88 334.31 1.46 1.46 0.00 0.00 0.00 Long Term Loans & Adv. 28.58 21.97 30.81 61.30 72.07 31.51 65.35 63.77 31.94 592.14 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 16.36 7.30 89.30 0.02 0.02 Current Assets 6,581.21 5,647.14 43,122.35 33,496.02 25,893.22 24,647.68 19,692.40 15,168.11 10,579.97 7,195.89 Current Investments 2,006.75 1,014.98 567.61 878.31 623.25 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 235.50 243.08 142.16 168.47 81.52 54.45 148.82 150.73 132.48 0.00 Cash & Bank 2,738.19 2,729.62 1,354.47 1,106.39 720.10 677.36 776.77 472.68 282.95 274.44 Other Current Assets 1,600.77 1,158.59 1,098.89 789.52 24,468.35 23,915.87 18,766.81 14,544.71 10,164.54 6,921.44 Short Term Loans & Adv. 405.61 500.87 39,959.22 30,553.33 23,559.91 22,929.08 17,927.20 14,065.07 9,985.16 6,849.29 Net Current Assets -38,489.77 -32,347.65 15,562.57 14,246.94 10,331.82 9,553.10 6,464.52 3,606.63 1,827.16 857.07 Total Assets 65,103.02 57,816.62 45,298.89 34,429.90 26,617.77 25,031.58 19,982.90 15,597.99 10,635.78 7,790.12

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -2,140.46 -5,653.38 -6,670.51 -4,391.46 692.32 -4,062.93 -2,326.74 -2,877.09 -2,234.88 -1,158.21 PBT 2,580.68 3,231.80 3,030.57 2,172.16 1,323.73 1,729.64 1,335.08 919.35 571.62 438.18 Adjustment 16,096.61 12,847.51 3,970.18 3,456.01 3,881.07 1,994.41 1,256.09 1,529.70 1,062.55 723.61 Changes in Working Capital -16,910.81 -18,192.55 -11,322.91 -8,621.29 -2,933.35 -7,105.57 -4,439.07 -4,376.16 -3,028.20 -1,793.27 Cash after chg. in Working capital 1,766.48 -2,113.24 -4,322.16 -2,993.12 2,271.45 -3,381.52 -1,847.90 -1,927.12 -1,394.03 -631.48 Interest Paid -3,156.90 -2,604.21 -1,583.98 -1,026.69 -1,096.30 0.00 0.00 -691.72 -502.30 -440.43 Tax Paid -750.04 -935.93 -764.37 -371.65 -482.83 -681.41 -478.84 -258.25 -338.55 -86.30 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -2,490.57 -1,254.93 -921.44 -538.12 -996.78 -77.17 -75.79 -31.48 -0.85 0.65 Net Fixed Assets 171.14 -127.41 -244.60 -239.23 -104.09 -217.86 21.29 -277.22 -23.04 1.39 Net Investments -2,715.97 -1,379.44 -842.50 -339.63 -956.10 0.00 -1.46 0.00 0.00 0.00 Others 54.26 251.92 165.66 40.74 63.41 140.69 -95.62 245.74 22.19 -0.74 Cash from Financing Activity 4,686.51 8,400.57 7,823.58 5,044.54 431.75 3,922.51 2,824.13 2,934.90 2,244.23 1,140.56 Net Cash Inflow / Outflow 55.48 1,492.26 231.63 114.96 127.29 -217.59 421.60 26.33 8.51 -17.00 Opening Cash & Equivalents 2,482.05 989.79 758.16 643.20 515.91 733.50 311.90 282.94 274.44 291.44 Closing Cash & Equivalent 2,537.53 2,482.05 989.79 758.16 643.20 515.91 733.50 472.68 282.95 274.44

Financial Ratios

Standalone

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value (Rs.) 144.70 126.94 103.48 81.69 66.54 56.69 41.72 28.76 18.46 14.71 ROA 3.12% 4.67% 5.67% 5.29% 3.81% 5.53% 4.86% 4.58% 4.05% 4.07% ROE 14.83% 22.03% 25.82% 23.15% 17.00% 28.24% 30.08% 32.43% 28.64% 26.77% ROCE 11.79% 14.09% 14.83% 13.38% 10.05% 15.13% 15.17% 19.42% 20.22% 15.24% Fixed Asset Turnover 16.19 15.00 14.39 14.95 17.29 24.96 26.16 34.65 195.51 379.28 Receivable days 4.83 4.14 4.15 4.27 2.67 4.00 7.81 9.96 14.45 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 122.29 142.96 200.20 103.71 264.28 Cash Conversion Cycle 4.83 4.14 4.15 4.27 2.67 -118.29 -135.14 -190.24 -89.26 -264.28 Total Debt/Equity 3.27 3.30 3.18 2.98 2.86 3.30 3.88 5.05 5.71 5.13 Interest Cover 1.65 1.98 2.33 2.44 2.27 2.33 2.32 1.68 1.51 1.82

Top Investors:

life insurance corporation of india - p & gs fund

icici prudential multi-asset fund

nippon life india trustee ltd-a/c nippon india multi cap fund

government pension fund global

Annual Reports:

News Update:

SBI Cards and Payment Services launches PhonePe SBI Card
22nd Jul 2025, 15:18 PM

The company has launched PhonePe SBI Card in partnership with PhonePe
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SBI Cards and Payment partners with Apollo HealthCo
15th May 2025, 16:11 PM

Apollo SBI Card SELECT card customers receive Rs 1,500 e-gift voucher as welcome benefits, redeemable on the Apollo 24/7 app and at Apollo pharmacy stores
Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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