Nifty

:

24252.00

Sensex

:

77540.83

20.15 (0.08%)
3.11 (0.00%)

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Nifty
Sensex

:
:

24252.00
77540.83

20.15 (0.08%)
3.11 (0.00%)

SBI Cards And Payment Services Ltd.

Finance - NBFC

Rating :

28/99

BSE: 543066 | NSE: SBICARD

Watchlist

NSE BSE

649.00

21-Aug-2026

Open
High
Low
Previous Close

638
649
636.4
647.05

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

2055590
1322875264.6
965
565.45

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

61,761.60
27.15
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,03,505.55
0.39%
3.77

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

19.52
13.26
5.46

EBITDA CAGR (%)

10 Years
5 Years
3 Years

14.83
18.93
0.20

PAT CAGR (%)

10 Years
5 Years
3 Years

19.24
6.04
-3.46

P:E (Median)

8 Years
5 Years
3 Years

-
35.80
31.47

P:BV (Average)

8 Years
5 Years
3 Years

-
7.41
5.57

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
22.94
18.15

Earnings Forecasts:

(Updated: 15-08-2026)

Description 2026 2027 2028 2029
Adj EPS 44 -13 25.32 22.98
P/E Ratio 14.75 -49.92 25.63 28.24
Revenue 20.22 16.75 15.64 17509.9
EBITDA 19394 21896.4 24270.1 4153.3
Net Income 4863.57 5661.77 4181.8 2191.59
ROA 2849.51 3453.88 3971.24 3.2
P/B Ratio 0.01 0.01 0.01 3.94
ROE 3.16 2.71 2.39 14.87
FCFF 16.66 17.24 17.07 -
FCFF Yield - -16175.6 -3536.03 -
Net Debt - -16.29 -3.56 51522.6
BVPS 55233.6 62067.4 53669.8 164.89

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Net Sales 5,040.55 4,876.92 3.36% 4,934.50 4,673.95 5.57% 5,127.26 4,618.69 11.01% 4,960.98 4,421.04 12.21%
Expenses 3,537.19 3,439.18 2.85% 3,625.19 3,319.64 9.20% 3,785.36 3,371.53 12.27% 3,741.63 3,172.58 17.94%
EBITDA 1,503.36 1,437.74 4.56% 1,309.31 1,354.31 -3.32% 1,341.90 1,247.16 7.60% 1,219.35 1,248.46 -2.33%
EBIDTM 29.83% 29.48% 26.53% 28.98% 26.17% 27.00% 24.58% 28.24%
Other Income 164.81 158.47 4.00% 252.54 157.79 60.05% 226.16 147.87 52.95% 175.50 134.78 30.21%
Interest 744.53 812.82 -8.40% 713.62 795.26 -10.27% 785.07 828.64 -5.26% 760.07 787.68 -3.51%
Depreciation 30.51 35.03 -12.90% 32.32 -1.69 - 33.88 48.76 -30.52% 35.01 50.35 -30.47%
PBT 893.13 748.36 19.34% 815.91 718.53 13.55% 749.11 517.63 44.72% 599.77 545.21 10.01%
Tax 228.69 192.40 18.86% 206.61 184.35 12.07% 192.47 134.40 43.21% 155.00 140.79 10.09%
PAT 664.44 555.96 19.51% 609.30 534.18 14.06% 556.64 383.23 45.25% 444.77 404.42 9.98%
PATM 13.18% 11.40% 12.35% 11.43% 10.86% 8.30% 8.97% 9.15%
EPS 6.98 5.84 19.52% 6.40 5.61 14.08% 5.85 4.03 45.16% 4.67 4.25 9.88%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 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 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 20,063.29 19,899.63 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 Net Sales Growth 7.92% 10.11% 6.51% 24.16% 28.00% 14.85% 0.22% 32.54% 34.94% 55.01% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 20,063.29 19,899.63 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 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 14,689.37 13,609.53 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 Power & Fuel Cost - 3.75 4.42 4.31 4.41 5.26 4.43 5.42 6.32 4.79 2.52 % Of Sales - 0.02% 0.02% 0.03% 0.03% 0.05% 0.05% 0.06% 0.09% 0.09% 0.08% Employee Cost - 661.01 589.56 569.69 561.89 472.71 491.58 468.38 378.93 193.09 95.31 % Of Sales - 3.32% 3.26% 3.36% 4.11% 4.43% 5.29% 5.05% 5.41% 3.72% 2.85% Manufacturing Exp. - 3,810.81 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 % Of Sales - 19.15% 15.34% 20.66% 22.20% 21.40% 16.44% 18.20% 17.21% 7.03% 7.67% General & Admin Exp. - 4,001.61 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 % Of Sales - 20.11% 19.81% 19.14% 21.51% 22.18% 22.32% 22.30% 25.83% 32.19% 25.12% 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. - 5,136.10 5,024.66 3,419.79 2,271.81 2,907.00 2,770.96 2,004.93 1,196.43 838.09 0.00 % Of Sales - 25.81% 27.80% 20.15% 16.62% 27.23% 29.81% 21.61% 17.09% 16.16% 17.19% EBITDA 5,373.92 6,290.10 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 EBITDA Margin 26.78% 31.61% 33.79% 36.69% 35.56% 24.76% 26.14% 32.84% 34.45% 40.90% 47.18% Other Income 819.01 807.99 564.93 515.08 619.03 1,180.50 417.12 475.89 287.74 183.22 124.83 Interest 3,003.29 4,048.65 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 Depreciation 131.72 136.25 146.82 196.75 163.81 148.56 123.26 103.80 55.22 24.49 4.79 PBT 3,057.92 2,913.19 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 Tax 782.77 746.48 664.27 823.92 772.10 556.02 339.21 484.82 470.12 318.20 198.76 Tax Rate 25.60% 25.62% 25.74% 25.49% 25.48% 25.60% 25.63% 28.03% 35.21% 34.61% 34.77% PAT 2,275.15 2,166.71 1,916.41 2,407.88 2,258.47 1,616.14 984.52 1,244.82 864.97 601.14 372.86 PAT before Minority Interest 2,275.15 2,166.71 1,916.41 2,407.88 2,258.47 1,616.14 984.52 1,244.82 864.97 601.14 372.86 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 11.34% 10.89% 10.60% 14.19% 16.53% 15.14% 10.59% 13.42% 12.36% 11.59% 11.14% PAT Growth 21.16% 13.06% -20.41% 6.62% 39.74% 64.16% -20.91% 43.91% 43.89% 61.22% EPS 23.91 22.77 20.14 25.30 23.73 16.98 10.35 13.08 9.09 6.32 3.92

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 15,725.50 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 Share Capital 951.60 951.36 950.97 946.07 943.18 940.53 938.96 837.22 785.00 785.00 Total Reserves 14,758.78 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 Non-Current Liabilities 6,251.76 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 Secured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.14 0.00 0.00 Unsecured Loans 6,443.19 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 Long Term Provisions 254.66 209.80 194.54 188.98 159.45 130.31 138.02 174.72 10.40 1.73 Current Liabilities 43,904.44 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 Trade Payables 1,714.39 1,592.91 1,507.71 1,395.42 1,116.80 881.38 721.03 661.50 518.22 118.87 Other Current Liabilities 4,016.16 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 Short Term Borrowings 37,620.54 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 Short Term Provisions 553.35 466.90 441.09 449.01 317.94 279.34 464.61 529.93 392.41 495.22 Total Liabilities 65,881.70 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 Net Block 219.01 320.12 542.10 550.96 439.46 308.10 310.91 196.22 241.76 23.85 Gross Block 1,062.86 1,036.48 1,195.45 1,067.66 831.51 596.45 478.77 264.40 270.80 28.64 Accumulated Depreciation 843.85 716.36 653.35 516.70 392.05 288.35 167.86 68.18 29.04 4.79 Non Current Assets 59,805.92 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 Capital Work in Progress 12.11 10.14 22.31 22.69 14.24 10.07 23.66 20.17 35.06 0.00 Non Current Investment 4,556.64 4,228.35 2,504.15 1,572.08 418.88 334.31 1.46 1.46 0.00 0.00 Long Term Loans & Adv. 33.80 28.58 21.97 30.81 61.30 72.07 31.51 65.35 63.77 31.94 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 16.36 7.30 89.30 0.02 Current Assets 6,075.78 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 Current Investments 1,817.09 2,006.75 1,014.98 567.61 878.31 623.25 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 283.10 235.50 243.08 142.16 168.47 81.52 54.45 148.82 23.00 25.28 Cash & Bank 2,319.78 2,738.19 2,729.62 1,354.47 1,106.39 720.10 677.36 776.77 472.68 282.95 Other Current Assets 1,655.81 1,195.16 1,158.59 1,098.89 1,155.60 1,009.21 1,104.23 858.08 626.90 288.89 Short Term Loans & Adv. 547.92 405.61 500.87 598.24 366.08 307.23 305.18 105.11 89.96 8.33 Net Current Assets -37,828.66 -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 Total Assets 65,881.70 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

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 493.03 -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 PBT 2,913.19 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 Adjustment 16,368.86 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 Changes in Working Capital -14,955.07 -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 Cash after chg. in Working capital 4,326.98 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 Interest Paid -3,062.18 -3,156.90 -2,604.21 -1,583.98 -1,026.69 -1,096.30 0.00 0.00 -691.72 -502.30 Tax Paid -771.77 -750.04 -935.93 -764.37 -371.65 -482.83 -681.41 -478.84 -258.25 -338.55 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 245.47 -2,490.57 -1,254.93 -921.44 -538.12 -996.78 -77.17 -75.79 -31.48 -0.85 Net Fixed Assets -28.35 171.14 -127.41 -244.60 -239.23 -104.09 -217.86 21.29 -277.22 -23.04 Net Investments -138.63 -2,715.97 -1,379.44 -842.50 -339.63 -956.10 0.00 -1.46 0.00 0.00 Others 412.45 54.26 251.92 165.66 40.74 63.41 140.69 -95.62 245.74 22.19 Cash from Financing Activity -1,172.36 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 Net Cash Inflow / Outflow -433.86 55.48 1,492.26 231.63 114.96 127.29 -217.59 421.60 26.33 8.51 Opening Cash & Equivalents 2,537.53 2,482.05 989.79 758.16 643.20 515.91 733.50 311.90 282.94 274.44 Closing Cash & Equivalent 2,103.67 2,537.53 2,482.05 989.79 758.16 643.20 515.91 733.50 472.68 282.95

Financial Ratios

Standalone

Right to Left

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 165.09 144.70 126.94 103.48 81.69 66.54 56.69 41.72 28.76 18.46 ROA 3.31% 3.12% 4.67% 5.67% 5.29% 3.81% 5.53% 4.86% 4.58% 4.05% ROE 14.70% 14.83% 22.03% 25.82% 23.15% 17.00% 28.24% 30.08% 32.43% 28.64% ROCE 11.75% 11.79% 14.09% 14.83% 13.38% 10.05% 15.13% 15.17% 19.42% 20.22% Fixed Asset Turnover 18.96 16.19 15.00 14.39 14.95 17.29 24.96 26.16 34.65 195.51 Receivable days 4.76 4.83 4.14 4.15 4.27 2.67 4.00 7.81 9.96 14.45 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 0.00 122.29 142.96 200.20 103.71 Cash Conversion Cycle 4.76 4.83 4.14 4.15 4.27 2.67 -118.29 -135.14 -190.24 -89.26 Total Debt/Equity 2.80 3.27 3.30 3.18 2.98 2.86 3.30 3.88 5.05 5.71 Interest Cover 1.72 1.65 1.98 2.33 2.44 2.27 2.33 2.32 1.68 1.51

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Annual Reports:

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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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