| Annual Financials | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 1,905 | 2,492 | 3,364 | 5,370 | 7,287 | 9,752 | 9,714 | 11,302 | 14,286 | 17,484 | 18,637 | 19,190 |
| Expenses | 1,260 | 1,623 | 2,242 | 3,726 | 4,887 | 6,618 | 7,223 | 7,954 | 9,444 | 11,460 | 12,731 | 13,303 |
| EBITDA | 644 | 869 | 1,121 | 1,644 | 2,400 | 3,134 | 2,490 | 3,348 | 4,842 | 6,024 | 5,906 | 5,887 |
| Operating Profit % | 31 % | 32 % | 31 % | 28 % | 30 % | 29 % | 22 % | 26 % | 31 % | 32 % | 30 % | 28 % |
| Depreciation | 1 | 1 | 1 | 14 | 55 | 104 | 123 | 149 | 164 | 197 | 147 | 132 |
| Interest | 373 | 430 | 522 | 708 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 | 3,224 |
| Profit Before Tax | 271 | 438 | 599 | 923 | 1,335 | 1,730 | 1,324 | 2,172 | 3,031 | 3,232 | 2,581 | 2,530 |
| Tax | 4 | 154 | 208 | 320 | 470 | 485 | 339 | 556 | 772 | 824 | 664 | 737 |
| Net Profit | 267 | 284 | 390 | 604 | 865 | 1,245 | 985 | 1,616 | 2,259 | 2,408 | 1,916 | 1,878 |
| EPS in ₹ | 3.40 | 3.62 | 4.97 | 7.69 | 9.45 | 13.35 | 10.48 | 17.16 | 23.92 | 25.39 | 20.15 | 19.70 |
SBI Cards
SBI Cards
871.65
-20.05
(-2.25%)
There are new updates from the company14 hours ago
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Market Cap
84,843.90 Cr
EPS
20.15
PE Ratio
44.15
Dividend Yield
0.29 %
Industry
Financial Services52 Week High
1,027.25
52 Week Low
659.80
PB Ratio
6.01
Debt to Equity
3.28
Sector
NBFC
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from25 analysts
Company News
View All News
SBI Cards and Payment Services Ltd has made two key leadership changes. Payal Mittal Chhabra has been appointed as the new Company Secretary effective September 19, 2025. Separately, Anita Sontumyra has resigned from her position as Chief People Officer effective September 18, 2025, citing repatriation to State Bank of India as the reason for her departure.
SBI Cards and Payment Services Limited participated in a group call organized by BoFA Securities on September 15, 2025, from 12:05 PM to 12:50 PM in Gurugram. The call included 42 institutional participants, comprising major asset management companies, mutual funds, insurance companies, and international investment firms including Aditya Birla Sun Life AMC, Axis Mutual Fund, Bajaj Allianz Life Insurance, Citadel Advisors Europe, HSBC Asset Management, Nomura Asset Management, and Tata Mutual Fund among others. The company shared information already available in the public domain during the investor relations activity.
SBI Cards Partners with Flipkart to Launch Co-Branded Credit Card with Tiered Cashback Benefits
Sep 03, 2025
Sep 03, 2025SBI Cards and Payment Services has partnered with Flipkart to launch the Flipkart SBI Credit Card, offering tiered cashback rewards across multiple spending categories. The card provides 5% cashback on Flipkart and Cleartrip transactions, up to 7.5% on Myntra purchases, 4% on platforms like Zomato, Uber, Netmeds and PVR, and 1% on other eligible transactions. New members receive a Rs 250 Flipkart gift card as a welcome reward. The card features annual fee reversal for spending above Rs 3.5 lakh, 1% fuel surcharge waiver (capped at Rs 400 per billing cycle) on transactions between Rs 500-Rs 4,000, contactless payment capability, and global ATM access. Additional features include add-on cards for up to three family members, Easy Bill Pay for utility payments, and Flexipay facility for converting purchases above Rs 2,500 into EMIs within 30 days.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
992.45 | #1 6,19,253.70 | 35.46 | #1 69,724.80 | 26.81 | #1 16,780 | 21.81 | 70.09 | |
317.00 | 2,01,616.90 | 125.75 | 2,078.90 | 12.09 | 1,613 | 3.87 | 52.80 | |
1,590.90 | 1,33,449.20 | 30.12 | 26,152.80 | 34.67 | 4,260 | 20.12 | 64.49 | |
2,934.90 | 1,18,737.00 | 19.12 | 20,324.50 | 34.04 | 5,352 | #1 65.12 | 66.38 | |
633.20 | 1,17,890.20 | 14.01 | 41,859.50 | 19.61 | 9,423 | 6.34 | 56.41 | |
871.65 | #6 84,843.90 | #8 44.15 | #5 18,637.10 | #10 6.60 | #7 1,916 | #8 -6.48 | 69.64 | |
3,160.40 | 53,677.80 | #1 13.13 | 4,612.20 | #1 76.63 | 4,241 | -14.01 | 59.61 | |
4,576.90 | 50,958.90 | 26.46 | 8,563.00 | 17.53 | 1,813 | 9.27 | 48.18 | |
289.55 | 39,746.20 | 17.55 | 18,530.50 | 16.03 | 2,261 | 6.44 | 71.94 | |
500.25 | 39,079.70 | 173.32 | 4,222.80 | 34.17 | -98 | -78.53 | 71.40 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
6.60 %
Net Income Growth
-20.41 %
Cash Flow Change
62.14 %
ROE
-30.21 %
ROCE
-13.44 %
EBITDA Margin (Avg.)
-8.01 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 6,257 | 7,880 | 10,829 | 15,583 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 |
| Fixed Assets | 2 | 2 | 4 | 140 | 196 | 311 | 308 | 440 | 551 | 542 | 320 |
| Current Assets | 5,620 | 7,196 | 10,020 | 1,276 | 1,856 | 1,884 | 1,883 | 2,492 | 3,225 | 4,654 | 4,603 |
| Capital Work in Progress | 0 | 0 | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 | 10 |
| Investments | 0 | 0 | 0 | 0 | 2 | 2 | 958 | 1,297 | 2,140 | 3,519 | 6,235 |
| Other Assets | 6,256 | 7,878 | 10,826 | 15,407 | 19,928 | 24,971 | 25,737 | 32,898 | 42,832 | 54,088 | 58,980 |
| Total Liabilities | 6,257 | 7,880 | 10,829 | 15,583 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 |
| Current Liabilities | 5,019 | 6,339 | 8,829 | 11,563 | 13,326 | 15,233 | 15,692 | 18,909 | 24,999 | 32,990 | 36,792 |
| Non Current Liabilities | 273 | 387 | 549 | 1,663 | 3,232 | 4,733 | 5,019 | 7,987 | 10,716 | 13,097 | 14,972 |
| Total Equity | 966 | 1,155 | 1,451 | 2,357 | 3,588 | 5,341 | 6,302 | 7,753 | 9,830 | 12,084 | 13,782 |
| Reserve & Surplus | 181 | 370 | 666 | 1,572 | 2,751 | 4,402 | 5,359 | 6,810 | 8,884 | 11,133 | 12,830 |
| Share Capital | 785 | 785 | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 | 951 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 130 | -17 | 9 | 190 | 422 | -218 | 127 | 115 | 232 | 1,492 | 56 |
| Investing Activities | 1 | 1 | -1 | 128 | -76 | -77 | -997 | -538 | -921 | -1,255 | -2,491 |
| Operating Activities | -879 | -1,158 | -2,235 | -2,891 | -2,327 | -4,063 | 692 | -4,392 | -6,671 | -5,653 | -2,141 |
| Financing Activities | 1,008 | 1,141 | 2,244 | 2,953 | 2,824 | 3,923 | 432 | 5,045 | 7,824 | 8,401 | 4,687 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 69.40 % | 69.50 % | 69.37 % | 69.47 % | 69.59 % | 69.64 % | 69.41 % | 69.05 % | 69.02 % | 68.96 % | 68.94 % | 68.75 % | 68.63 % | 68.62 % | 68.61 % | 68.60 % | 68.60 % | 68.59 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 9.09 % | 9.35 % | 8.59 % | 8.73 % | 9.18 % | 9.51 % | 9.88 % | 10.22 % |
| DIIs | 5.49 % | 6.33 % | 9.29 % | 11.51 % | 12.02 % | 15.77 % | 17.04 % | 16.72 % | 17.47 % | 17.18 % | 17.29 % | 16.28 % | 16.69 % | 16.53 % | 16.75 % | 16.48 % | 17.22 % | 17.51 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 3.65 % | 4.09 % | 3.80 % | 4.51 % | 4.66 % | 4.97 % | 4.11 % | 4.44 % | 4.38 % | 3.75 % | 4.10 % | 5.02 % | 5.28 % | 5.45 % | 4.80 % | 4.78 % | 3.81 % | 3.24 % |
| Others | 21.46 % | 20.08 % | 17.55 % | 14.50 % | 13.73 % | 9.62 % | 9.44 % | 9.79 % | 9.13 % | 10.11 % | 0.59 % | 0.60 % | 0.81 % | 0.67 % | 0.66 % | 0.63 % | 0.49 % | 0.44 % |
| No of Share Holders | 0 | 10,57,520 | 11,18,650 | 10,46,250 | 11,40,590 | 11,61,090 | 11,78,350 | 10,63,050 | 10,41,170 | 9,67,531 | 9,61,296 | 10,28,670 | 10,36,630 | 10,19,120 | 9,48,916 | 9,37,270 | 8,47,672 | 7,74,642 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 1 | 1 | 0.00 | 2.5 | 2.5 | 2.5 | 2.5 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.16 | 0.11 | 0.00 | 0.35 | 0.37 | 0.28 | 0.29 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 20 Sept 2019 |  Change Of Name | NA | 20 Sept 2019 | 0.00 | 0.00 |
| 31 Mar 2022 |  Dividend | ₹ 2.50 /share | 30 Mar 2022 | 841.95 | 868.90 |
| 29 Mar 2023 | Dividend | ₹ 2.50 /share | 29 Mar 2023 | 710.60 | 711.10 |
| 28 Mar 2024 | Dividend | ₹ 2.50 /share | 28 Mar 2024 | 701.25 | 692.55 |
| 09 Aug 2024 |  Annual General Meeting | NA | 09 Aug 2024 | 730.80 | 715.55 |
| 29 Oct 2024 |  Quarterly Result Announcement | NA | 29 Oct 2024 | 703.95 | 667.55 |
| 28 Jan 2025 | Quarterly Result Announcement | NA | 28 Jan 2025 | 760.70 | 753.70 |
| 25 Feb 2025 | Dividend | ₹ 2.50 /share | 25 Feb 2025 | 858.60 | 839.00 |
| 24 Apr 2025 | Quarterly Result Announcement | NA | 24 Apr 2025 | 888.45 | 915.85 |
| 25 Jul 2025 | Quarterly Result Announcement | NA | 25 Jul 2025 | 894.60 | 885.80 |
| 29 Aug 2025 | Annual General Meeting | NA | 29 Aug 2025 | 814.70 | 801.85 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation14 hours ago
14 hours agoAnnouncement under Regulation 30 (LODR)-Change in Management19 hours ago
19 hours agoAnnouncement under Regulation 30 (LODR)-Change in Management19 hours ago
19 hours agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation9 days ago
9 days agoIntimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 -ESG Rating10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation10 days ago
10 days agoShareholderS Approval - Appointment Of Independent DirectorAug 30, 2025
Aug 30, 2025Shareholders Approval - Appointment Of Secretarial AuditorsAug 30, 2025
Aug 30, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 30, 2025
Aug 30, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 28, 2025
Aug 28, 2025Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 -ESG RatingAug 27, 2025
Aug 27, 2025Disclosure Under Regulation 30 And 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Product LaunchAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 18, 2025
Aug 18, 2025Disclosure Under Regulation 30 And 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Product LaunchAug 18, 2025
Aug 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 14, 2025
Aug 14, 2025Addendum To The Notice Of The 27Th Annual General Meeting Of The CompanyAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 01, 2025
Aug 01, 2025Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Letter Dispatched To The Shareholders Of The CompanyJul 31, 2025
Jul 31, 2025Notice Of The 27Th Annual General Meeting Of The Company Scheduled To Be Held On August 29 2025Jul 31, 2025
Jul 31, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 31, 2025
Jul 31, 2025Reg. 34 (1) Annual Report.Jul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 25, 2025
Jul 25, 2025Board Meeting Outcome for Unaudited Financial Results Of The Company For The Quarter Ended June 30 2025Jul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 25, 2025
Jul 25, 2025Unaudited Financial Results Of The Company For The Quarter Ended June 30 2025Jul 25, 2025
Jul 25, 2025Disclosure Under Regulation 30 And 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Product LaunchJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 21, 2025
Jul 21, 2025Board Meeting Intimation for Inter Alia Considering And Approving The Unaudited Financial Results Of The Company For The Quarter Ended June 30 2025Jul 21, 2025
Jul 21, 2025Disclosure Under Regulation 30 And 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 -Appointment Of Secretarial AuditorJul 14, 2025
Jul 14, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 14, 2025
Jul 14, 2025Outcome Of The Board Meeting Held On July 14 2025
Jul 14, 2025
Jul 14, 2025Shareholder S Approval - Appointment Of DirectorJul 10, 2025
Jul 10, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportJul 10, 2025
Jul 10, 2025Technical Indicators
RSI(14)
Neutral 59.95
ATR(14)
Volatile 21.11
STOCH(9,6)
Overbought 85.98
STOCH RSI(14)
Overbought 81.51
MACD(12,26)
Bullish 9.46
ADX(14)
Strong Trend 29.62
UO(9)
Bearish 52.46
ROC(12)
Uptrend And Accelerating 9.59
WillR(14)
Neutral -28.60
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UTI Nifty200 Momentum 30 Index Fund Direct - Growth About SBI Cards
SBI Cards and Payment Services Limited is an Indian company that issues credit cards and acts as a corporate insurance agent. Incorporated in 1998 and a subsidiary of State Bank of India, it is the second-largest credit card issuer in India with over 16.8 million cards in force. The company offers a diverse portfolio of credit cards, including SBI Card-branded and co-branded cards, catering to various customer segments. It partners with Visa, MasterCard, and RuPay payment networks. SBI Cards has a wide customer acquisition network, including physical points of sale, digital platforms, and access to SBI's extensive branch network. The company has launched several new card products and partnerships across different categories to expand its offerings and reach.
Listing Date
16 Mar, 2020(5 Years,
4 days)
Website
Chairperson NameChalla Sreenivasulu Setty
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