| 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
803.45
-1.05
(-0.13%)
Market Cap
76,447.09 Cr
EPS
20.15
PE Ratio
40.82
Dividend Yield
0.31 %
Industry
Financial Services52 Week High
1,027.25
52 Week Low
659.80
PB Ratio
5.56
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 from26 analysts
Company News
View All News
SBI Cards Reports 12% Revenue Growth to ₹5,035 Crore in Q1 FY26, Credit Costs Rise to 9.6%3 days ago
SBI Cards posted total revenue of ₹5,035 crore in Q1 FY26, up 12% year-on-year and 4% quarter-on-quarter. Profit after tax declined 6% year-on-year to ₹556 crore but increased 4% sequentially. The company added 8.73 lakh new accounts, bringing cards-in-force to 2.12 crore with 10% year-on-year growth. Total spends reached ₹93,244 crore, growing 21% year-on-year, with retail spends at ₹82,404 crore (15% growth). Receivables grew 7% year-on-year to ₹56,607 crore. Credit costs increased to 9.6% from 9.0% in the previous quarter due to ECL rate increases from periodic data refresh. GNPA remained stable at 3.07% versus 3.08% in the previous quarter. Stage 2 balances reduced by ₹128 crore quarter-on-quarter to ₹2,673 crore. Cost of funds improved to 7.1% from 7.3% in Q4 FY25, benefiting from repo rate cuts. Net Interest Margin increased to 11.2% with portfolio yield steady at 17%. The company maintains 19.1% market share in card issuance and 16.6% in card spends. Management revised receivables growth guidance to 10-12% from earlier 12-14% projections. Capital Adequacy Ratio stood at 23.2% with ROAE at 15.8%.
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 |
|---|---|---|---|---|---|---|---|---|
885.10 | #1 5,50,026.50 | 31.57 | #1 69,724.80 | 26.81 | #1 16,780 | 21.81 | 39.88 | |
333.60 | 2,11,940.80 | 132.36 | 2,042.91 | #1 4,039.96 | 1,677 | 3.87 | 65.72 | |
1,466.20 | 1,23,322.31 | 27.79 | 26,152.80 | 34.67 | 4,260 | 20.12 | 40.38 | |
623.35 | 1,17,222.63 | 13.82 | 41,859.50 | 19.61 | 9,423 | 6.34 | 41.46 | |
2,635.10 | 1,05,789.75 | 20.07 | 20,214.20 | 26.62 | 5,285 | #1 22.13 | 58.62 | |
803.45 | #6 76,447.09 | #8 40.82 | #5 18,637.10 | #7 22.39 | #7 1,916 | #8 -6.48 | 23.37 | |
4,507.40 | 50,078.95 | 25.81 | 8,563.00 | 17.53 | 1,813 | 9.27 | 24.40 | |
2,805.90 | 47,656.84 | #1 11.62 | 4,578.34 | 381.77 | 3,865 | -14.01 | 56.26 | |
256.60 | 35,666.66 | 15.67 | 18,530.50 | 16.03 | 2,261 | 6.44 | 46.16 | |
430.30 | 33,491.35 | 173.32 | 4,222.80 | 34.17 | -98 | -78.53 | 47.34 |
Forecast
Actual
Growth Rate
Revenue Growth
22.39 %
Net Income Growth
6.62 %
Cash Flow Change
62.14 %
ROE
-13.27 %
ROCE
1.62 %
EBITDA Margin (Avg.)
1.65 %
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 | 0.31 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 29 Aug 2025 |  Annual General Meeting | NA | 29 Aug 2025 | 814.70 | 805.35 |
| 25 Jul 2025 |  Quarterly Result Announcement | NA | 25 Jul 2025 | 894.60 | 885.80 |
| 24 Apr 2025 | Quarterly Result Announcement | NA | 24 Apr 2025 | 888.45 | 915.85 |
| 25 Feb 2025 |  Dividend | ₹ 2.50 /share | 25 Feb 2025 | 858.60 | 839.00 |
| 28 Jan 2025 | Quarterly Result Announcement | NA | 28 Jan 2025 | 760.70 | 753.70 |
| 29 Oct 2024 | Quarterly Result Announcement | NA | 29 Oct 2024 | 703.95 | 667.55 |
| 09 Aug 2024 | Annual General Meeting | NA | 09 Aug 2024 | 730.80 | 715.55 |
| 28 Mar 2024 | Dividend | ₹ 2.50 /share | 28 Mar 2024 | 701.25 | 692.55 |
| 29 Mar 2023 | Dividend | ₹ 2.50 /share | 29 Mar 2023 | 710.60 | 711.10 |
| 31 Mar 2022 | Dividend | ₹ 2.50 /share | 30 Mar 2022 | 841.95 | 868.90 |
| 20 Sept 2019 |  Change Of Name | NA | 20 Sept 2019 | 0.00 | 0.00 |
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication3 days ago
3 days agoIntimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Letter Dispatched To The Shareholders Of The Company4 days ago
4 days agoNotice Of The 27Th Annual General Meeting Of The Company Scheduled To Be Held On August 29 20254 days ago
4 days agoBusiness Responsibility and Sustainability Reporting (BRSR)4 days ago
4 days agoReg. 34 (1) Annual Report.4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Issue of Securities5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome10 days ago
10 days agoBoard Meeting Outcome for Unaudited Financial Results Of The Company For The Quarter Ended June 30 202510 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation10 days ago
10 days agoUnaudited Financial Results Of The Company For The Quarter Ended June 30 202510 days ago
10 days agoDisclosure 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, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 10, 2025
Jul 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 07, 2025
Jul 07, 2025Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Jul 01, 2025
Jul 01, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJun 27, 2025
Jun 27, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 23, 2025
Jun 23, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 20, 2025
Jun 20, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 20, 2025
Jun 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 19, 2025
Jun 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 18, 2025
Jun 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 18, 2025
Jun 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 16, 2025
Jun 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 16, 2025
Jun 16, 2025Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 -ESG RatingJun 13, 2025
Jun 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 11, 2025
Jun 11, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 11, 2025
Jun 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 10, 2025
Jun 10, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotJun 10, 2025
Jun 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 29, 2025
May 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 28, 2025
May 28, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 26, 2025
May 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 23, 2025
May 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 22, 2025
May 22, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 21, 2025
May 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 19, 2025
May 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 16, 2025
May 16, 2025Technical Indicators
RSI(14)
Neutral 23.37
ATR(14)
Less Volatile 22.48
STOCH(9,6)
Oversold 5.18
STOCH RSI(14)
Oversold 0.46
MACD(12,26)
Bearish -8.95
ADX(14)
Weak Trend 20.31
UO(9)
Bullish 29.80
ROC(12)
Downtrend And Accelerating -11.48
WillR(14)
Oversold -93.89
Mutual Fund Holdings
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Quant Focused Fund Direct-Growth 
ICICI Prudential Multi Asset Fund Direct-Growth 
Nippon India Arbitrage Fund Direct-Growth 
HSBC Large and Mid Cap Fund Direct - Growth 
Aditya Birla Sun Life Banking & Financial Services Fund Direct-Growth 
Edelweiss Nifty Midcap150 Momentum 50 Index Fund Direct - Growth 
Bandhan Large & Mid Cap Fund Direct-Growth 
Tata Nifty Midcap 150 Momentum 50 Index Fund Direct - Growth 
Motilal Oswal Nifty 200 Momentum 30 Index Fund Direct - Growth 
HDFC 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,
-11 days)
Website
Chairperson NameChalla Sreenivasulu Setty
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