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SBI Cards and Payment Services LtdNon Banking Financial Company (NBFC)INE018E01016Standalone₹553.00+16.85 (+3.14%)
Valuation
Market Cap₹52.62K Cr
TTM PE20.18x
Forward PE19.25x
PEG1.38
Book Value₹180.46
P/B3.06x
TTM EPS₹27.40
Fwd EPS₹28.73
TTM Revenue₹20.24K Cr
TTM PAT₹2.61K Cr
Last Qtr PAT₹777.60 Cr
Profitability
ROE15.19%
ROCE11.00%
TTM NPM12.88%
Curr OPM14.67%
Last OPM12.76%
Curr NPM—
Last NPM—
Curr EPS₹8.17
Last EPS₹6.98
Balance sheet
Equity₹951.64 Cr
Reserve₹16.22K Cr
Total Debt₹44,375.28 Cr
D/E2.58x
Interest %101.24%
Curr Interest₹787.27 Cr
Price / range
Close₹553.00
vs 52W High-39.00%
vs 52W Low+6.54%
MA50—
MA200—
Returns
1D+2.97%
1W+4.93%
1M-2.62%
3M-16.43%
6M-14.31%
1Y-37.17%
2Y-19.70%
3Y-25.97%
5Y-50.65%
Diwali-35.63%
Sector peers — Non Banking Financial Company (NBFC)
CompanyCloseMkt CapTTM P/EROE
BAJFINANCE994.00₹6.19L Cr30.4416.48%
SHRIRAMFIN908.75₹2.14L Cr15.6811.03%
TATACAP337.75₹1.43L Cr34.788.40%
CHOLAFIN1658.00₹1.41L Cr22.7017.99%
MUTHOOTFIN2709.80₹1.09L Cr9.6526.13%
SBICARD553.00₹52.62K Cr20.1815.19%
SUNDARMFIN4002.30₹44.47K Cr22.1513.48%
PIRAMALFIN1946.20₹44.12K Cr22.516.36%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Standalone

14 lines · 6 periods
MetricSep-26Jun-26Mar-26Dec-25Sep-25FY25-26
Revenue5,140.53+3.6%5,040.554,934.505,127.264,960.9819,899.60
Other Income161.14164.81252.54226.16175.50807.99
Total Income5,301.67+3.2%5,205.365,187.045,353.425,136.4820,707.62
Interest787.27744.53713.62785.07760.073,071.58
Expenditure-4,255.95+6.2%-4,312.23-4,371.13-4,604.31-4,536.71-17,794.43
PBDT000000
Depreciation-32.54-30.51-32.32-33.88-35.01-136.25
PBT1,045.72+74.4%893.13815.91749.11599.772,913.19
Tax-268.12-228.69-206.61-192.47-155-746.48
Equity951.64951.61951.60951.58951.55951.60
OPM19.7217.1615.7313.9911.6814.07
Net Profit777.60+74.8%664.44609.30556.64444.772,166.71
NPM14.6712.7611.7510.408.6610.46
EPS8.17+74.9%6.986.405.854.6722.77

Yearly results

Last 6 financial years · YoY % vs previous FY

Yearly

15 lines · 5 years
MetricFY 25-26FY 24-25FY 20-21FY 19-20FY 18-19
Revenue19,899.63+10.1%18,072.229,277.48+0.0%9,276.40+32.5%6,999.11
Other Income807.99564.930475.89287.72
Total Income20,707.62+11.1%18,637.159,277.48-4.9%9,752.29+33.8%7,286.83
Expenditure-17,794.43-10.8%-16,056.477,953.75+199.1%-8,022.66-34.7%-5,955.23
Interest-3,071.58-3,178.401,043.401,300.931,017.21
PBDT001,446.9900
Depreciation-136.25-146.82123.26-103.80-81.10
PBT2,913.19+12.9%2,580.681,323.73-23.5%1,729.63+29.9%1,331.60
Tax-746.48-664.27339.21484.81468.88
Equity951.60951.36000
OPM (%)14.0713.8514.2717.7418.27
Net Profit2,166.71+13.1%1,916.41984.52-20.9%1,244.82+44.3%862.72
NPM (%)10.4610.2810.6112.7611.84
EPS (Rs)22.77+13.0%20.1510.48-21.5%13.35+41.6%9.43
CEPS22.7720.1410.4813.359.43

Consolidated

14 lines · 1 periods
MetricFY25-26
Revenue19,899.60
Other Income807.99
Total Income20,707.62
Interest3,071.58
Expenditure-17,794.43
PBDT0
Depreciation-136.25
PBT2,913.19
Tax-746.48
Equity951.60
OPM14.07
Net Profit2,166.71
NPM10.46
EPS22.77

Yearly results

Last 6 financial years · YoY % vs previous FY

Yearly

15 lines · 2 years
MetricFY 25-26FY 24-25
Revenue19,899.63+10.1%18,072.22
Other Income807.99564.93
Total Income20,707.62+11.1%18,637.15
Expenditure-17,794.43-10.8%-16,056.47
Interest-3,071.58-3,178.40
PBDT00
Depreciation-136.25-146.82
PBT2,913.19+12.9%2,580.68
Tax-746.48-664.27
Equity951.60951.36
OPM (%)14.0713.85
Net Profit2,166.71+13.1%1,916.41
NPM (%)10.4610.28
EPS (Rs)22.77+13.0%20.15
CEPS22.7720.14

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

6
YearTypeAmountEx-Date
2026Interim Dividend2.511 Mar 2026
2025Interim Dividend2.525 Feb 2025
2024Interim Dividend2.528 Mar 2024
2023Interim Dividend2.529 Mar 2023
2022Interim Dividend2.530 Mar 2022
2021Interim Dividend115 May 2020

Bonus

0

No bonus history.

Split

0

No split history.

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