Nifty

:

26178.70

Sensex

:

85063.34

-71.60 (-0.27%)
-376.28 (-0.44%)

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Nifty
Sensex

:
:

26178.70
85063.34

-71.60 (-0.27%)
-376.28 (-0.44%)

SBI Cards And Payment Services Ltd.

Finance - NBFC

Rating :

40/99

BSE: 543066 | NSE: SBICARD

Watchlist

NSE BSE

901.55

06-Jan-2026

Open
High
Low
Previous Close

873.95
906.4
873.15
873.50

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

1737746
1546346664.9
1027.25
705.55

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

85,808.49
44.74
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,24,085.67
0.28%
5.80

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

-
40.41
32.74

P:BV (Average)

8 Years
5 Years
3 Years

-
8.78
6.34

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
26.41
19.02

Earnings Forecasts:

(Updated: 03-01-2026)

Description 2024 2025 2026 2027
Adj EPS 20.15 24.34 33.74 42.11
P/E Ratio 44.74 37.04 26.72 21.41
Revenue 18072.2 17572.3 20383.6 23459.1
EBITDA 5340.97 4630.53 5805.83 6832.2
Net Income 1916.41 2319.85 3249.39 4035.77
ROA 3.1 3.36 4.13 4.41
P/B Ratio 6.22 5.44 4.60 3.86
ROE 14.82 15.62 18.83 19.59
FCFF 15956.9 -2307 -84344.6 6000.08
FCFF Yield 12.85 -1.86 -67.91 4.83
Net Debt 42208.4 54674.4 62603.6 71411.7
BVPS 144.86 165.72 195.93 233.74

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 4,960.98 4,421.04 12.21% 4,876.92 4,358.64 11.89% 4,673.95 4,347.72 7.50% 4,618.69 4,621.70 -0.07%
Expenses 3,741.63 3,172.58 17.94% 3,439.18 2,867.22 19.95% 3,319.64 2,810.96 18.10% 3,371.53 3,257.74 3.49%
EBITDA 1,219.35 1,248.46 -2.33% 1,437.74 1,491.42 -3.60% 1,354.31 1,536.76 -11.87% 1,247.16 1,363.96 -8.56%
EBIDTM 24.58% 28.24% 29.48% 34.22% 28.98% 35.35% 27.00% 29.51%
Other Income 175.50 134.78 30.21% 158.47 123.95 27.85% 157.79 126.85 24.39% 147.87 119.90 23.33%
Interest 760.07 787.68 -3.51% 812.82 766.83 6.00% 795.26 723.82 9.87% 828.64 695.49 19.14%
Depreciation 35.01 50.35 -30.47% 35.03 49.37 -29.05% -1.69 51.63 - 48.76 50.78 -3.98%
PBT 599.77 545.21 10.01% 748.36 799.17 -6.36% 718.53 888.16 -19.10% 517.63 737.59 -29.82%
Tax 155.00 140.79 10.09% 192.40 204.72 -6.02% 184.35 225.79 -18.35% 134.40 188.51 -28.70%
PAT 444.77 404.42 9.98% 555.96 594.45 -6.47% 534.18 662.37 -19.35% 383.23 549.08 -30.21%
PATM 8.97% 9.15% 11.40% 13.64% 11.43% 15.23% 8.30% 11.88%
EPS 4.67 4.25 9.88% 5.84 6.25 -6.56% 5.61 6.96 -19.40% 4.03 5.77 -30.16%

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 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 19,130.54 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 7.78% 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 19,130.54 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 13,871.98 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 5,258.56 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 27.49% 33.79% 36.69% 35.56% 24.76% 22.30% 28.66% 30.17% 40.90% 47.18% 36.29% Other Income 639.63 564.93 515.08 619.03 1,180.50 417.12 475.89 287.74 183.22 124.83 106.25 Interest 3,196.79 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 117.11 146.82 196.75 163.81 148.56 123.26 103.80 55.22 24.49 4.79 0.84 PBT 2,584.29 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 666.15 664.27 823.92 772.10 556.02 339.21 484.82 470.12 318.20 198.76 154.28 Tax Rate 25.78% 25.74% 25.49% 25.48% 25.60% 25.63% 28.03% 35.21% 34.61% 34.77% 35.21% PAT 1,918.14 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 1,918.14 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 10.03% 10.60% 14.19% 16.53% 15.14% 10.59% 13.42% 12.36% 11.59% 11.14% 11.89% PAT Growth -13.22% -20.41% 6.62% 39.74% 64.16% -20.91% 43.91% 43.89% 61.22% 31.33% EPS 20.16 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 reports 10% rise in Q2 net profit
25th Oct 2025, 14:43 PM

The total income of the company increased by 12.74% at Rs 5136.48 crore for Q2FY26
Read More
SBI Cards AndPayment - Quarterly Results
25th Oct 2025, 00:00 AM

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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