Nifty

:

23719.30

Sensex

:

75415.35

64.60 (0.27%)
231.99 (0.31%)

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Nifty
Sensex

:
:

23719.30
75415.35

64.60 (0.27%)
231.99 (0.31%)

SBI Cards And Payment Services Ltd.

Finance - NBFC

Rating :

24/99

BSE: 543066 | NSE: SBICARD

Watchlist

NSE BSE

620.20

22-May-2026

Open
High
Low
Previous Close

619.6
628.05
616.6
620.20

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

580756
360845063.6
1027.25
612.1

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

59,085.18
27.27
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

94,385.94
0.40%
3.76

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
20.24
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

-
37.46
33.50

P:BV (Average)

8 Years
5 Years
3 Years

-
7.98
5.95

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
24.48
18.65

Earnings Forecasts:

(Updated: 23-05-2026)

Description 2024 2025 2026 2027
Adj EPS 22.98 30.2 36.67 40.93
P/E Ratio 26.99 20.54 16.91 15.15
Revenue 17509.9 19546.9 22142.6 24190.2
EBITDA 4153.3 4824.93 5836.2 3025.9
Net Income 2191.59 2878.78 3508.39 3958.39
ROA 3.2 4.05 4.35 4.43
P/B Ratio 3.76 3.23 2.76 2.39
ROE 14.87 16.81 17.48 17.01
FCFF -16175.6 -3536.03
FCFF Yield -15.99 -3.5
Net Debt 51522.6 55139.6 62018 53670
BVPS 164.89 191.78 224.31 259.11

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Net Sales 4,934.50 4,673.95 5.57% 5,127.26 4,618.69 11.01% 4,960.98 4,421.04 12.21% 4,876.92 4,358.64 11.89%
Expenses 3,625.19 3,319.64 9.20% 3,785.36 3,371.53 12.27% 3,741.63 3,172.58 17.94% 3,439.18 2,867.22 19.95%
EBITDA 1,309.31 1,354.31 -3.32% 1,341.90 1,247.16 7.60% 1,219.35 1,248.46 -2.33% 1,437.74 1,491.42 -3.60%
EBIDTM 26.53% 28.98% 26.17% 27.00% 24.58% 28.24% 29.48% 34.22%
Other Income 252.54 157.79 60.05% 226.16 147.87 52.95% 175.50 134.78 30.21% 158.47 123.95 27.85%
Interest 713.62 795.26 -10.27% 785.07 828.64 -5.26% 760.07 787.68 -3.51% 812.82 766.83 6.00%
Depreciation 32.32 -1.69 - 33.88 48.76 -30.52% 35.01 50.35 -30.47% 35.03 49.37 -29.05%
PBT 815.91 718.53 13.55% 749.11 517.63 44.72% 599.77 545.21 10.01% 748.36 799.17 -6.36%
Tax 206.61 184.35 12.07% 192.47 134.40 43.21% 155.00 140.79 10.09% 192.40 204.72 -6.02%
PAT 609.30 534.18 14.06% 556.64 383.23 45.25% 444.77 404.42 9.98% 555.96 594.45 -6.47%
PATM 12.35% 11.43% 10.86% 8.30% 8.97% 9.15% 11.40% 13.64%
EPS 6.40 5.61 14.08% 5.85 4.03 45.16% 4.67 4.25 9.88% 5.84 6.25 -6.56%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 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 19,899.66 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 10.11% 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 19,899.66 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 14,591.36 11,966.12 10,742.34 8,807.25 8,033.71 6,866.49 6,230.34 4,588.20 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 1,528.73 1,687.94 1,204.75 364.46 256.51 20.70 % Of Sales - 15.34% 20.66% 22.20% 21.40% 16.44% 18.20% 17.21% 7.03% 7.67% 0.87% General & Admin Exp. - 3,579.33 3,247.82 2,940.09 2,368.70 2,075.22 2,069.09 1,808.09 1,669.90 840.72 1,129.53 % Of Sales - 19.81% 19.14% 21.51% 22.18% 22.32% 22.30% 25.83% 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 2,770.96 2,004.93 1,196.43 838.09 575.07 0.00 % Of Sales - 27.80% 20.15% 16.62% 27.23% 29.81% 21.61% 17.09% 16.16% 17.19% 11.49% EBITDA 5,308.30 6,106.10 6,226.08 4,859.39 2,643.56 2,429.97 3,046.06 2,410.91 2,121.45 1,578.60 866.09 EBITDA Margin 26.68% 33.79% 36.69% 35.56% 24.76% 26.14% 32.84% 34.45% 40.90% 47.18% 36.29% Other Income 812.67 564.93 515.08 619.03 1,180.50 417.12 475.89 287.74 183.22 124.83 106.25 Interest 3,071.58 3,943.53 3,312.61 2,284.04 1,503.34 1,400.10 1,688.51 1,308.35 1,360.82 1,127.02 533.32 Depreciation 136.24 146.82 196.75 163.81 148.56 123.26 103.80 55.22 24.49 4.79 0.84 PBT 2,913.15 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 746.48 664.27 823.92 772.10 556.02 339.21 484.82 470.12 318.20 198.76 154.28 Tax Rate 25.62% 25.74% 25.49% 25.48% 25.60% 25.63% 28.03% 35.21% 34.61% 34.77% 35.21% PAT 2,166.67 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 2,166.67 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 10.89% 10.60% 14.19% 16.53% 15.14% 10.59% 13.42% 12.36% 11.59% 11.14% 11.89% PAT Growth 13.07% -20.41% 6.62% 39.74% 64.16% -20.91% 43.91% 43.89% 61.22% 31.33% EPS 22.77 20.14 25.30 23.73 16.98 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 3,243.47 1,693.85 435.89 296.26 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 209.80 194.54 188.98 159.45 130.31 138.02 174.72 10.40 1.73 45.33 Current Liabilities 45,070.98 37,994.79 27,559.78 19,249.08 15,561.40 15,094.58 13,151.66 11,551.08 8,751.08 6,338.82 Trade Payables 1,592.91 1,507.71 1,395.42 1,116.80 881.38 721.03 661.50 518.22 118.87 85.89 Other Current Liabilities 4,547.86 4,052.78 2,572.48 2,319.08 1,525.02 1,069.08 1,642.88 999.09 431.93 287.01 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 466.90 441.09 449.01 317.94 279.34 464.61 529.93 392.41 495.22 378.92 Total Liabilities 65,103.02 57,816.62 45,298.89 34,429.90 26,617.77 25,031.58 19,982.91 15,597.99 10,635.79 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 41,537.52 31,121.13 24,183.69 23,195.54 18,199.23 14,475.42 10,038.66 594.23 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 44.62 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 3,761.37 3,308.77 2,434.08 1,836.04 1,783.68 1,122.58 597.12 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 23.00 25.28 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 1,009.21 1,104.23 858.08 626.90 288.89 6,921.44 Short Term Loans & Adv. 405.61 500.87 598.24 366.08 307.23 305.18 105.11 89.96 8.33 6,855.75 Net Current Assets -38,489.77 -32,347.65 -23,798.41 -15,940.31 -13,127.32 -13,258.54 -11,367.98 -10,428.51 -8,153.96 857.07 Total Assets 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

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 AndPayment - Quarterly Results
28th Apr 2026, 00:00 AM

Read More
SBI Cards and Payment Services reports 14% jump in Q4FY26 net profit
27th Apr 2026, 16:14 PM

Total income of the company increased by 7.35% at Rs 5187.04 crore for Q4FY26
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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