SBI Cards and Payment Services Ltd.

NSE: SBICARD · Financial Services

₹585.00+0.00%06 Nov 2026

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Instant answers about SBI Cards and Payment Services Ltd. — computed from its filings, no language model

Market cap₹55,671 cr

Current price₹585.00

High / Low₹902 / ₹525

P/E—

P/B—

Book value—

ROE—

ROCE—

Debt / equity—

Dividend yield0.39%

EPS (TTM)—

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

showing latest 6 of 7 periods

	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Total income	9,752	9,714	11,302	14,286	17,484	18,637	20,708
Tax	485	339	556	772	824	664	746
Operating cash flow	—	—	-4,391	-6,671	-5,452	-2,140	493
Capex	—	—	100	93	74	56	34
Dividend paid	—	—	0	213	363	287	217
Total assets	25,307	27,013	34,648	45,546	58,171	65,546	66,328
Equity	5,341	6,302	7,753	—	—	—	—

Quarterly performance

last 27 quarters · ₹ crore

showing latest 8 of 27 periods

	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	2,510	2,196	2,513	2,540	2,468	2,451	2,695	3,140	3,016	3,263	3,453	3,656	3,917	4,046	4,221	4,742	4,475	4,483	4,556	4,767	4,832	5,035	5,136	5,353	5,187	5,205	5,302
Other income	77	43	99	137	159	89	119	250	166	163	156	149	154	134	134	120	127	124	135	148	158	158	176	226	253	165	161
Tax	29	135	72	73	59	106	119	133	198	214	180	175	203	203	206	189	226	205	141	134	184	192	155	192	207	229	268
Revenue YoY	—	—	—	—	-1.7%	11.6%	7.3%	23.6%	22.2%	33.1%	28.1%	16.5%	29.9%	24.0%	22.2%	29.7%	14.2%	10.8%	7.9%	0.5%	8.0%	12.3%	12.7%	12.3%	7.4%	3.4%	3.2%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 24 periods

	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Asset turnover	0.39	0.36	0.37	0.38	0.40	0.33	0.35	0.31	0.32	0.31	0.33	0.31	0.34	0.30	0.31	0.30	0.30	0.28	0.29	0.28	0.29	0.31	0.31	0.30

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 13 periods

	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22‡	SEP '22	MAR '23	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	837	939	941	943	—	—	—	—	—	—	—	—	—
Reserves	2,751	4,402	5,362	6,810	—	—	—	—	—	—	—	—	—
Total equity	3,588	5,341	6,302	7,753	—	—	—	—	—	—	—	—	—
Deposits	—	—	—	—	0	0	0	0	0	0	0	0	0
Borrowings	13,549	17,573	17,895	22,982	18,632	23,143	26,212	31,993	35,280	38,463	41,610	37,621	41,519
Total assets	20,146	25,307	27,013	34,648	41,581	45,546	50,388	58,171	61,872	65,546	69,862	66,328	71,102
Advances	17,909	22,812	23,459	30,187	—	—	—	—	—	—	—	—	—
Investments	—	—	958	1,297	1,810	2,140	2,536	3,519	3,658	6,235	5,906	6,374	7,980
Fixed assets	132	64	56	39	—	—	—	—	—	—	—	—	—
Cash & bank balances	777	677	720	1,106	—	—	—	—	—	—	—	—	—

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 8 periods

	FY19‡	FY20‡	FY21‡	FY22	FY23	FY24	FY25	FY26
Cash from operations	-2,327	-4,063	692	-4,391	-6,671	-5,452	-2,140	493
Cash from investing	-76	-77	-997	-538	-921	-1,457	-2,491	245
Cash from financing	2,824	3,923	432	5,045	7,824	8,401	4,687	-1,172
Capex	—	—	57	100	93	74	56	34
Free cash flow	—	—	635	-4,491	-6,764	-5,526	-2,196	459
Dividends paid	0	101	94	0	213	363	287	217

Where the assets sit

Sep '26 · ₹ crore

Investments

₹7,980 cr11%

Other assets

₹63,122 cr89%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
SBI Cards and Payment Services Ltd.	55,671	585.00	—	—	—

StoxGud checklist: Bearish setup · 2/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+5.0%

6 months-9.7%

1 year-35.8%

3Y CAGR-8.1%

5Y CAGR-11.9%

10Y CAGR—

50-day avg₹596.25

200-day avg₹653.59

RSI (14)57

Compare SBI Cards and Payment Services Ltd. with

Indian Overseas Bank vs SBI Cards and Payment Services RBL Bank vs SBI Cards and Payment Services SBI Cards and Payment Services vs Yes Bank SBI Cards and Payment Services vs Piramal Finance

FAQs

What is the share price of SBI Cards and Payment Services Ltd.?

SBI Cards and Payment Services Ltd. (SBICARD) closed at ₹585.00 on NSE on 06 Nov 2026.

What is the market cap of SBI Cards and Payment Services Ltd.?

₹55,671 crore at the latest close.

How fast is SBI Cards and Payment Services Ltd. growing?

SBI Cards and Payment Services Ltd.: revenue has compounded at 13.2% a year over three years. Latest-quarter revenue is up 3.2% year on year.

How profitable is SBI Cards and Payment Services Ltd.?

Profitability ratios for SBI Cards and Payment Services Ltd. aren't available yet.

How much debt does SBI Cards and Payment Services Ltd. have?

Debt to equity isn't meaningful for SBI Cards and Payment Services Ltd. (banks borrow as part of their business) or isn't filed yet.

Financials parsed from SBI Cards and Payment Services Ltd.'s own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from MAR '20, annual from FY20, balance sheet from Mar '19. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.