SBI Cards And Payment Services, 543066, SBICARD Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

85,030.28
45.28
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,27,238.70
0.28%
5.94

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

-
40.49
32.74

P:BV (Average)

8 Years
5 Years
3 Years

-
9.19
6.61

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
27.05
19.30

Earnings Forecasts:

(Updated: 27-09-2025)

Description 2024 2025 2026 2027
Adj EPS 20.15 26.94 35.87 45.03
P/E Ratio 44.27 33.11 24.87 19.81
Revenue 18072.2 17703 20443.3 23644.2
EBITDA 5340.97 4722.77 5857.8 4460.2
Net Income 1916.41 2574.06 3453.43 4307.46
ROA 3.1 3.71 4.34 4.64
P/B Ratio 6.16 5.31 4.46 3.71
ROE 14.82 17.21 19.46 20.19
FCFF 15956.9 -19600 -70180 8703.29
FCFF Yield 12.62 -15.51 -55.52 6.89
Net Debt 42208.4 54227.5 61567.4 57797.7
BVPS 144.86 167.92 199.84 240.35

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 Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 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

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

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

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

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

llp

Annual Reports:

News Update:

SBI Card rolls out festive offer 2025 with 'Khushiyan Unlimited' campaign
22nd Sep 2025, 14:28 PM

The festive offers are applicable on all key categories including consumer durables, mobiles, laptops, fashion, furniture, jewellery, e-commerce and grocery, among others
Read More
SBI Card, Flipkart launch 'Flipkart SBI Credit Card'
26th Aug 2025, 16:59 PM

The joining and annual renewal fee of the Flipkart SBI Card is Rs 500 plus applicable taxes
Read More
SBI Cards AndPayment - Quarterly Results
25th Jul 2025, 17:24 PM

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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
Read More

SBI Cards And Payment Services Ltd.

Finance - NBFC

BSE: 543066 | NSE: SBICARD

Stock Summary

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Standalone Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

SBI Cards And Payment Services Ltd.

Finance - NBFC

BSE: 543066 | NSE: SBICARD

Stock Summary

Shareholding Pattern

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Standalone Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: