| Annual Financials | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
Revenue  | 1,905 | 2,492 | 3,364 | 5,370 | 7,287 | 9,752 | 9,714 | 11,302 | 14,286 | 17,484 | 18,637 | 19,900 |
| Expenses | 1,260 | 1,623 | 2,242 | 3,726 | 4,887 | 6,618 | 7,223 | 7,954 | 9,444 | 11,460 | 12,731 | 14,587 |
| EBITDA | 644 | 869 | 1,121 | 1,644 | 2,400 | 3,134 | 2,490 | 3,348 | 4,842 | 6,024 | 5,906 | 5,313 |
| Operating Profit % | 31 % | 32 % | 31 % | 28 % | 30 % | 29 % | 22 % | 26 % | 31 % | 32 % | 30 % | 27 % |
| Depreciation | 1 | 1 | 1 | 14 | 55 | 104 | 123 | 149 | 164 | 197 | 147 | 136 |
| Interest | 373 | 430 | 522 | 708 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 | 3,072 |
| Profit Before Tax | 271 | 438 | 599 | 923 | 1,335 | 1,730 | 1,324 | 2,172 | 3,031 | 3,232 | 2,581 | 2,913 |
| Tax | 4 | 154 | 208 | 320 | 470 | 485 | 339 | 556 | 772 | 824 | 664 | 752 |
| Net Profit | 267 | 284 | 390 | 604 | 865 | 1,245 | 985 | 1,616 | 2,259 | 2,408 | 1,916 | 2,161 |
| EPS in ₹ | 3.40 | 3.62 | 4.97 | 7.69 | 9.45 | 13.35 | 10.48 | 17.16 | 23.92 | 25.39 | 20.15 | 22.77 |
SBI Cards
SBI Cards
632.95
-1.20
(-0.19%)
Market Cap
60,231.19 Cr
PE Ratio
27.88
Volume
15,84,701.00
Day High - Low
638.30 - 620.55
52W High-Low
1,027.25 - 615.50
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Key Fundamentals
Market Cap
60,231.19 Cr
EPS
22.77
PE Ratio
27.88
PB Ratio
3.84
Book Value
165.25
EBITDA
5,313.00
Dividend Yield
0.39 %
Industry
Financial Services Sector
NBFC Return on Equity
13.91
Debt to Equity
3.28
Analyst Rating and Forecast
- By Refinitiv from25 analysts
Actual
Company News
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SBI Cards Sees ₹17.15 Cr Block Trade on NSE2 days ago
SBI Cards and Payment Services recorded a block trade of ~2,70,144 shares on NSE at ₹635.00 per share, amounting to ₹17.15 crores.
SBI Cards reported Q4 FY26 PAT of ₹609 crores, up 14% YoY, with total revenue of ₹5,187 crores. FY26 PAT rose 13% YoY to ₹2,167 crores. ROA target of 4-4.5% maintained for medium term.
SBI Cards and Payment Services Limited allotted 5,138 equity shares to employees under ESOP Plan 2019 and ESOP Plan 2023, increasing paid-up capital to Rs. 9,51,60,53,890.
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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 |
|---|---|---|---|---|---|---|---|---|
908.05 | #1 5,65,032.47 | 28.86 | #1 81,482.80 | 16.86 | #1 18,943 | 22.17 | 42.81 | |
935.25 | 2,20,035.00 | 21.61 | 47,508.50 | 13.50 | 9,139 | 40.91 | 39.38 | |
233.75 | 1,48,504.69 | 98.14 | 3,513.26 | 69.00 | 1,606 | -13.89 | 40.23 | |
3,579.70 | 1,43,713.67 | 16.27 | 20,324.50 | 34.04 | 5,352 | 102.90 | 52.03 | |
1,581.50 | 1,34,720.02 | 25.65 | 31,073.10 | 18.81 | 4,963 | 30.62 | 48.96 | |
632.95 | #6 60,231.19 | #7 27.88 | #6 19,899.60 | #10 6.77 | #7 2,161 | #8 14.06 | 37.25 | |
4,668.00 | 51,863.28 | 24.50 | 8,563.00 | 17.53 | 1,813 | 18.86 | 38.73 | |
321.45 | 44,680.62 | 15.56 | 21,005.40 | 13.36 | 2,844 | 106.16 | 51.88 | |
504.20 | 42,817.95 | #1 11.16 | 4,612.20 | #1 76.63 | 4,241 | -70.06 | 51.25 | |
421.60 | 37,111.28 | 68.24 | 6,790.18 | 60.80 | 666 | #1 308.99 | 47.10 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
6.77 %
Net Income Growth
12.78 %
Cash Flow Change
62.14 %
ROE
-30.21 %
ROCE
-13.44 %
EBITDA Margin (Avg.)
-19.03 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
| Total Assets | 6,257 | 7,880 | 10,829 | 15,583 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 66,328 |
| Fixed Assets | 2 | 2 | 4 | 140 | 196 | 311 | 308 | 440 | 551 | 542 | 320 | 231 |
| Current Assets | 5,620 | 7,196 | 10,020 | 1,276 | 1,856 | 1,884 | 1,883 | 2,492 | 3,225 | 4,654 | 4,603 | 2,944 |
| Capital Work in Progress | 0 | 0 | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 | 10 | 0 |
| Investments | 0 | 0 | 0 | 0 | 2 | 2 | 958 | 1,297 | 2,140 | 3,519 | 6,235 | 0 |
| Other Assets | 6,256 | 7,878 | 10,826 | 15,407 | 19,928 | 24,971 | 25,737 | 32,898 | 42,832 | 54,088 | 58,980 | 0 |
| Total Equity & Liabilities | 6,257 | 7,880 | 10,829 | 15,583 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 66,328 |
| Current Liabilities | 5,019 | 6,339 | 8,829 | 11,563 | 13,326 | 15,233 | 15,692 | 18,909 | 24,999 | 32,990 | 36,792 | 5,373 |
| Non Current Liabilities | 273 | 387 | 549 | 1,663 | 3,232 | 4,733 | 5,019 | 7,987 | 10,716 | 13,097 | 14,972 | 45,230 |
| Total Equity | 966 | 1,155 | 1,451 | 2,357 | 3,588 | 5,341 | 6,302 | 7,753 | 9,830 | 12,084 | 13,782 | 15,726 |
| Reserve & Surplus | 181 | 370 | 666 | 1,572 | 2,751 | 4,402 | 5,359 | 6,810 | 8,884 | 11,133 | 12,830 | 14,774 |
| Share Capital | 785 | 785 | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 | 951 | 952 |
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 | Sept 2025 | Dec 2025 | Mar 2026 |
| 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 % | 68.59 % | 68.58 % | 68.92 % |
| 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 % | 10.10 % | 10.15 % | 9.54 % |
| 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 % | 17.76 % | 17.85 % | 18.12 % |
| 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 % | 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 % | 3.10 % | 2.96 % | 2.88 % |
| 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 % | 0.46 % | 0.46 % | 0.54 % |
| 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 | 7,50,786 | 7,18,342 | 7,05,597 |
Dividend History
| Annual Cash Flows | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 1 | 1 | 0.00 | 2.5 | 2.5 | 2.5 | 2.5 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.16 | 0.11 | 0.00 | 0.35 | 0.37 | 0.28 | 0.39 | 0.00 |
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 |
| 24 Oct 2025 | Quarterly Result Announcement | NA | 24 Oct 2025 | 916.00 | 928.45 |
| 28 Jan 2026 | Quarterly Result Announcement | NA | 28 Jan 2026 | 838.30 | 771.05 |
| 11 Mar 2026 | Dividend | ₹ 2.50 /share | 11 Mar 2026 | 726.25 | 715.45 |
| 27 Apr 2026 | Quarterly Result Announcement | NA | 27 Apr 2026 | 679.75 | 670.60 |
Announcements
Compliances-Reg.24(A)-Annual Secretarial Compliance
20 hrs ago
20 hrs agoAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptMay 02, 2026
May 02, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSApr 29, 2026
Apr 29, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 28, 2026
Apr 28, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 27, 2026
Apr 27, 2026Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 27, 2026
Apr 27, 2026Announcement under Regulation 30 (LODR)-Investor PresentationApr 27, 2026
Apr 27, 2026Audited Financial Results Of The Company For The Quarter And The Year Ended March 31 2026Apr 27, 2026
Apr 27, 2026Board Meeting Outcome for Outcome Of Board Meeting Held On April 27 2026 - Audited Financial Results Of The Company For The Quarter And The Year Ended March 31 2026Apr 27, 2026
Apr 27, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 22, 2026
Apr 22, 2026Board Meeting Intimation for Inter Alia Considering And Approving The Audited Financial Results Of The Company For The Quarter And The Year Ended March 31 2026.
Apr 22, 2026
Apr 22, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 08, 2026
Apr 08, 2026Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 -ESG RatingApr 07, 2026
Apr 07, 2026Announcement under Regulation 30 (LODR)-Change in ManagementApr 01, 2026
Apr 01, 2026Closure of Trading WindowMar 25, 2026
Mar 25, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 22, 2026
Mar 22, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 18, 2026
Mar 18, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 12, 2026
Mar 12, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 10, 2026
Mar 10, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationMar 10, 2026
Mar 10, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 09, 2026
Mar 09, 2026Information On Interim Dividend - FY 2025-26Mar 06, 2026
Mar 06, 2026Announcement under Regulation 30 (LODR)-Change in ManagementMar 05, 2026
Mar 05, 2026Corporate Action-Board approves DividendMar 05, 2026
Mar 05, 2026Board Meeting Outcome for Outcome Of Board Meeting Held On March 05 2026Mar 05, 2026
Mar 05, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 02, 2026
Mar 02, 2026Intimation Of Record Date For Declaration Of Interim Dividend If AnyFeb 27, 2026
Feb 27, 2026Closure of Trading WindowFeb 27, 2026
Feb 27, 2026Board Meeting Intimation for Inter Alia Considering Declaration And Payment Of Interim Dividend If AnyFeb 27, 2026
Feb 27, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 26, 2026
Feb 26, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 26, 2026
Feb 26, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 25, 2026
Feb 25, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 10, 2026
Feb 10, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 09, 2026
Feb 09, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 09, 2026
Feb 09, 2026Shareholders Approval - Appointment Of DirectorFeb 06, 2026
Feb 06, 2026 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportFeb 06, 2026
Feb 06, 2026Announcement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 04, 2026
Feb 04, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 29, 2026
Jan 29, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJan 28, 2026
Jan 28, 2026Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJan 28, 2026
Jan 28, 2026Announcement under Regulation 30 (LODR)-Investor PresentationJan 28, 2026
Jan 28, 2026Board Meeting Outcome for Outcome Of Board Meeting Held On January 28 2026 - Unaudited Financial Results Of The Company For The Quarter And The Nine Months Ended December 31 2025Jan 28, 2026
Jan 28, 2026Unaudited Financial Results Of The Company For The Quarter And The Nine Months Ended December 31 2025Jan 28, 2026
Jan 28, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJan 27, 2026
Jan 27, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 20, 2026
Jan 20, 2026Board Meeting Intimation for Board Meeting Intimation For Inter Alia Considering And Approving The Unaudited Financial Results Of The Company For The Quarter And The Nine Months Ended December 31 2025Jan 20, 2026
Jan 20, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 08, 2026
Jan 08, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 08, 2026
Jan 08, 2026Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 -ESG RatingJan 08, 2026
Jan 08, 2026Mutual Fund Holdings
Technical Indicators
RSI(14)
Neutral 37.25
ATR(14)
Volatile 17.89
STOCH(9,6)
Neutral 24.55
STOCH RSI(14)
Oversold 11.41
MACD(12,26)
Bearish -1.18
ADX(14)
Weak Trend 21.07
UO(9)
Bearish 42.21
ROC(12)
Downtrend But Slowing Down -5.39
WillR(14)
Oversold -82.36
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...more
Listing Date
16 Mar, 2020(6 Years,
-2 days)
Website
Chairperson NameChalla Sreenivasulu Setty
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