| Annual Financials | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
Revenue  | 1,905 | 2,492 | 3,364 | 5,370 | 7,287 | 9,752 | 9,714 | 11,302 | 14,286 | 17,484 | 18,637 |
| Expenses | 1,260 | 1,623 | 2,242 | 3,726 | 4,887 | 6,618 | 7,223 | 7,954 | 9,444 | 11,460 | 12,731 |
| EBITDA | 644 | 869 | 1,121 | 1,644 | 2,400 | 3,134 | 2,490 | 3,348 | 4,842 | 6,024 | 5,906 |
| Operating Profit % | 31 % | 32 % | 31 % | 28 % | 30 % | 29 % | 22 % | 26 % | 31 % | 32 % | 30 % |
| Depreciation | 1 | 1 | 1 | 14 | 55 | 104 | 123 | 149 | 164 | 197 | 147 |
| Interest | 373 | 430 | 522 | 708 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 |
| Profit Before Tax | 271 | 438 | 599 | 923 | 1,335 | 1,730 | 1,324 | 2,172 | 3,031 | 3,232 | 2,581 |
| Tax | 4 | 154 | 208 | 320 | 470 | 485 | 339 | 556 | 772 | 824 | 753 |
| Net Profit | 267 | 284 | 390 | 604 | 865 | 1,245 | 985 | 1,616 | 2,259 | 2,408 | 1,916 |
| EPS in ₹ | 3.40 | 3.62 | 4.97 | 7.69 | 9.45 | 13.35 | 10.48 | 17.16 | 23.92 | 25.39 | 20.10 |
SBI Cards
867.55
-59.00
(-6.37%)
Q4 Quarterly Results are out. Check out the updated financials1 day ago
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Market Cap
82,534.71 Cr
EPS
25.39
PE Ratio
43.13
Dividend Yield
0.27 %
Industry
Financial Services52 Week High
930.65
52 Week Low
647.95
PB Ratio
6.74
Debt to Equity
3.24
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 from24 analysts
Company News
View All News
SBI Cards and Payment Services Ltd.: Q4 Results Show Credit Cost Improvement, Valuation Concerns Persist2 days ago
SBI Cards reported Q4 net profit of Rs 530 crore, down 19% YoY but up 39% QoQ, beating expectations. Credit costs declined to 9.0% from 9.5% QoQ. Net interest margins rose to 11.2%. Macquarie maintains 'outperform' rating with Rs 1,000 target, while Morgan Stanley remains cautious with 'equal-weight' rating and Rs 775 target, citing valuation concerns.
SBI Cards and Payment Services Ltd: Q4 Profit Declines 19% Amid Rising Defaults3 days ago
SBI Card reported a 19% decrease in Q4 profit to Rs 534 crore due to higher impairment losses. Total income rose to Rs 4,832 crore. Gross NPAs increased to 3.08% from 2.76% year-over-year. For FY 2024-25, profit fell 20% to Rs 1,916 crore, while total income grew to Rs 18,637 crore.
SBI Cards Q4 FY23 Financial Results3 days ago
SBI Cards and Payment Services reported its Q4 FY23 results. Net profit decreased to 5.34 billion rupees from 6.62 billion rupees year-over-year. Revenue increased to 46.7 billion rupees from 43.48 billion rupees year-over-year. Gross Non-Performing Assets (GNPA) slightly increased to 3.08% from 3.06% quarter-over-quarter, while Net Non-Performing Assets (NNPA) rose to 1.46% from 1.11% quarter-over-quarter.
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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 |
|---|---|---|---|---|---|---|---|---|
9,112.00 | #1 5,64,833.43 | 36.15 | #1 54,982.50 | 32.75 | #1 14,451 | 18.39 | 57.06 | |
253.05 | 1,60,766.25 | 101.85 | 1,854.70 | #1 4,039.96 | 1,605 | 1.77 | 62.87 | |
655.20 | 1,30,996.90 | 16.15 | 36,413.00 | 19.35 | 7,391 | 6.06 | 49.04 | |
1,543.50 | 1,30,165.50 | 32.05 | 19,419.90 | 48.18 | 3,411 | 18.24 | 53.96 | |
2,093.20 | 84,034.42 | 17.40 | 15,162.70 | 26.62 | 4,468 | #1 21.51 | 41.26 | |
867.55 | #6 82,534.71 | #8 43.13 | #4 17,483.50 | #9 22.39 | #6 2,408 | #8 -19.35 | 49.21 | |
5,277.00 | 58,629.51 | 35.38 | 7,285.50 | 31.41 | 1,422 | -9.94 | 66.66 | |
264.60 | 32,692.12 | 14.68 | 15,970.30 | 24.45 | 1,943 | -31.97 | 42.87 | |
380.40 | 29,595.50 | 180.11 | 3,147.30 | 56.71 | 1,652 | -81.22 | 60.57 | |
1,724.60 | 29,291.49 | #1 7.56 | 2,611.20 | 381.77 | 4,285 | -10.31 | 52.60 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
22.39 %
Net Income Growth
6.62 %
Cash Flow Change
18.27 %
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 |
| Total Assets | 6,257 | 7,880 | 10,829 | 15,583 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 |
| Fixed Assets | 2 | 2 | 4 | 140 | 196 | 311 | 308 | 440 | 551 | 542 |
| Current Assets | 5,620 | 7,196 | 10,020 | 1,276 | 1,856 | 1,884 | 1,883 | 2,492 | 3,225 | 4,654 |
| Capital Work in Progress | 0 | 0 | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 |
| Investments | 0 | 0 | 0 | 0 | 2 | 2 | 958 | 1,297 | 2,140 | 3,519 |
| Other Assets | 6,256 | 7,878 | 10,826 | 15,407 | 19,928 | 24,971 | 25,737 | 32,898 | 42,832 | 54,088 |
| Total Liabilities | 6,257 | 7,880 | 10,829 | 15,583 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 |
| Current Liabilities | 5,019 | 6,339 | 8,829 | 11,563 | 13,326 | 15,233 | 15,692 | 18,909 | 24,999 | 32,990 |
| Non Current Liabilities | 273 | 387 | 549 | 1,663 | 3,232 | 4,733 | 5,019 | 7,987 | 10,716 | 13,097 |
| Total Equity | 966 | 1,155 | 1,451 | 2,357 | 3,588 | 5,341 | 6,302 | 7,753 | 9,830 | 12,084 |
| Reserve & Surplus | 181 | 370 | 666 | 1,572 | 2,751 | 4,402 | 5,359 | 6,810 | 8,884 | 11,133 |
| Share Capital | 785 | 785 | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | 130 | -17 | 9 | 190 | 422 | -218 | 127 | 115 | 232 | 1,492 |
| Investing Activities | 1 | 1 | -1 | 128 | -76 | -77 | -997 | -538 | -921 | -1,457 |
| Operating Activities | -879 | -1,158 | -2,235 | -2,891 | -2,327 | -4,063 | 692 | -4,392 | -6,671 | -5,452 |
| Financing Activities | 1,008 | 1,141 | 2,244 | 2,953 | 2,824 | 3,923 | 432 | 5,045 | 7,824 | 8,401 |
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
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 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.16 | 0.11 | 0.00 | 0.35 | 0.37 | 0.28 | 0.00 |
Corporate Action
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Announcements
Announcement under Regulation 30 (LODR)-Newspaper Publication
2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPS3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release3 days ago
3 days agoBoard Meeting Outcome for Outcome Of Board Meeting Held On April 24 2025 - Audited Financial Results Of The Company For The Quarter And The Year Ended March 31 20253 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation3 days ago
3 days agoAudited Financial Results Of The Company For The Quarter And The Year Ended March 31 20253 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Change in Directorate10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation10 days ago
10 days agoBoard Meeting Intimation for Inter Alia Considering And Approving The Audited Financial Results Of The Company For The Quarter And The Year Ended March 31 202510 days ago
10 days agoDisclosure Under Regulation 30 And 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Product LaunchApr 16, 2025
Apr 16, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 16, 2025
Apr 16, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 10, 2025
Apr 10, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotApr 09, 2025
Apr 09, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 08, 2025
Apr 08, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 01, 2025
Apr 01, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 01, 2025
Apr 01, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Mar 29, 2025
Mar 29, 2025Closure of Trading WindowMar 29, 2025
Mar 29, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMar 29, 2025
Mar 29, 2025Outcome Of Board Meeting Held On March 29 2025Mar 29, 2025
Mar 29, 2025Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - ESG Rating
Mar 26, 2025
Mar 26, 2025Closure of Trading WindowMar 26, 2025
Mar 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 25, 2025
Mar 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 19, 2025
Mar 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 18, 2025
Mar 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 12, 2025
Mar 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 11, 2025
Mar 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 10, 2025
Mar 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 07, 2025
Mar 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 06, 2025
Mar 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 06, 2025
Mar 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 05, 2025
Mar 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 04, 2025
Mar 04, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 03, 2025
Mar 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 25, 2025
Feb 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 25, 2025
Feb 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 21, 2025
Feb 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 20, 2025
Feb 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 19, 2025
Feb 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 18, 2025
Feb 18, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateFeb 17, 2025
Feb 17, 2025Corporate Action-Board approves DividendFeb 17, 2025
Feb 17, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On February 17 2025Feb 17, 2025
Feb 17, 2025Intimation Of Record Date For Declaration Of Interim Dividend If AnyFeb 12, 2025
Feb 12, 2025Closure of Trading WindowFeb 12, 2025
Feb 12, 2025Board Meeting Intimation for Inter Alia Considering Declaration And Payment Of Interim Dividend If AnyFeb 12, 2025
Feb 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 10, 2025
Feb 10, 2025Technical Indicators
RSI(14)
Neutral 49.21
ATR(14)
Volatile 27.24
STOCH(9,6)
Overbought 82.23
STOCH RSI(14)
Neutral 78.20
MACD(12,26)
Bullish 2.34
ADX(14)
Weak Trend 16.26
UO(9)
Bearish 55.61
ROC(12)
Uptrend And Accelerating 2.31
WillR(14)
Neutral -37.75
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,
12 days)
Website
Chairperson NameChalla Sreenivasulu Setty
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