Share Price and Basic Stock Data
Last Updated: February 13, 2026, 9:23 pm
| PEG Ratio | 10.52 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
SBI Cards & Payment Services Ltd reported a significant revenue growth trajectory, reflecting a robust performance in the competitive finance and investments sector. For the quarter ending September 2023, the company recorded revenue of ₹4,087 Cr, which rose to ₹4,622 Cr by December 2023. This upward trend is indicative of the company’s ability to capitalize on the expanding digital payments market in India. Over the last fiscal year, the total revenue for March 2023 stood at ₹13,670 Cr, marking a substantial increase from ₹10,679 Cr in March 2022. The trailing twelve months (TTM) revenue reached ₹19,131 Cr, showcasing a consistent upward momentum. This performance aligns with the growing adoption of credit cards and digital payment solutions among consumers, reflecting the changing landscape of consumer finance in India. The company’s revenue from operations per share increased to ₹189.96 in March 2025 from ₹113.21 in March 2022, demonstrating solid growth in operational efficiency and market penetration.
Profitability and Efficiency Metrics
The profitability metrics of SBI Cards & Payment Services Ltd illustrate a commendable financial performance, although certain areas indicate room for improvement. The net profit for the financial year ending March 2025 was reported at ₹1,916 Cr, a slight decline from ₹2,258 Cr in the previous year. The net profit margin decreased to 10.60% from 14.19%, indicating pressures on profitability despite rising revenues. The company maintained a healthy return on equity (ROE) of 14.8% and a return on capital employed (ROCE) of 10.4%, both of which are relatively strong compared to industry benchmarks. However, the interest coverage ratio (ICR) stood at 1.86x, suggesting that while the company can cover its interest obligations, it operates close to the threshold of financial risk. The financing margin percentage exhibited fluctuations throughout the year, peaking at 19% in March 2024 but dropping to 12% by March 2025, reflecting varying operational efficiencies and cost management practices.
Balance Sheet Strength and Financial Ratios
SBI Cards & Payment Services Ltd’s balance sheet demonstrates a solid foundation, characterized by a market capitalization of ₹73,148 Cr and reserves of ₹13,838 Cr as of March 2025. The company reported total liabilities of ₹65,546 Cr, which includes borrowings of ₹44,947 Cr, reflecting a leverage ratio that may be considered high compared to sector norms. The price-to-book value (P/BV) ratio was recorded at 6.09x, indicating a premium valuation in the market relative to its book value of ₹144.86 per share. The current ratio stood at 1.27, suggesting adequate liquidity to meet short-term obligations, while the quick ratio mirrored this at 1.27. The company’s asset turnover ratio of 0.29 indicates a relatively lower efficiency in utilizing assets to generate revenue, compared to the industry average, which can be an area of concern for investors. Overall, SBI Cards presents a balanced financial profile, yet the high leverage and lower asset efficiency ratios necessitate cautious evaluation.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBI Cards & Payment Services Ltd reveals significant institutional backing, with promoters holding 68.59% of the equity as of September 2025, reflecting strong management control. Foreign institutional investors (FIIs) increased their stake to 10.10%, indicating growing confidence from international investors in the company’s growth prospects. Domestic institutional investors (DIIs) held 17.76% of the shares, showcasing solid local institutional support. However, the public shareholding has dwindled to 3.56%, which may raise concerns about liquidity and market participation from retail investors. The number of shareholders has also declined to 7,50,786, down from previous periods, suggesting potential consolidation in the investor base. This concentrated shareholding structure may impact the company’s governance dynamics and responsiveness to shareholder interests, which is essential for maintaining investor confidence amid a fluctuating market environment.
Outlook, Risks, and Final Insight
The outlook for SBI Cards & Payment Services Ltd remains cautiously optimistic, bolstered by the ongoing digital transformation in India’s payment landscape. However, the company faces several risks, including potential regulatory changes impacting the finance sector and increasing competition from fintech companies that may erode market share. Additionally, the rising gross non-performing assets (NPA) ratio, which reached 3.27% by September 2024, could heighten credit risk and affect profitability. The company’s ability to maintain profitability amidst growing interest expenses and operational challenges will be crucial. Should the management effectively navigate these risks while enhancing operational efficiencies and maintaining strong revenue growth, the company could solidify its position in the market. Conversely, failure to address these challenges may result in diminished investor confidence and potential valuation pressures. Therefore, stakeholders should monitor the company’s strategies and market conditions closely to gauge future performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 367 Cr. | 954 | 1,890/884 | 77.7 | 287 | 0.03 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 62.3 Cr. | 37.1 | 54.9/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 43.7 Cr. | 81.0 | 105/68.6 | 182 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 50.4 Cr. | 40.7 | 68.5/36.6 | 21.4 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 12.3 Cr. | 33.1 | 165/26.5 | 81.9 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 19,522.07 Cr | 1,390.13 | 178.34 | 3,633.97 | 0.42% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,507 | 3,762 | 3,912 | 4,087 | 4,622 | 4,348 | 4,359 | 4,421 | 4,619 | 4,674 | 4,877 | 4,961 | 5,127 |
| Interest | 464 | 507 | 571 | 605 | 695 | 724 | 767 | 788 | 829 | 795 | 813 | 760 | 785 |
| Expenses | 2,467 | 2,565 | 2,631 | 2,760 | 3,258 | 2,811 | 2,867 | 3,173 | 3,372 | 3,320 | 3,439 | 3,742 | 3,785 |
| Financing Profit | 576 | 690 | 710 | 722 | 668 | 813 | 725 | 461 | 419 | 559 | 625 | 459 | 557 |
| Financing Margin % | 16% | 18% | 18% | 18% | 14% | 19% | 17% | 10% | 9% | 12% | 13% | 9% | 11% |
| Other Income | 149 | 154 | 134 | 134 | 120 | 127 | 124 | 135 | 148 | 158 | 158 | 176 | 226 |
| Depreciation | 41 | 45 | 48 | 47 | 51 | 52 | 49 | 50 | 49 | -2 | 35 | 35 | 34 |
| Profit before tax | 684 | 800 | 797 | 809 | 738 | 888 | 799 | 545 | 518 | 719 | 748 | 600 | 749 |
| Tax % | 26% | 25% | 26% | 26% | 26% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 509 | 596 | 593 | 603 | 549 | 662 | 594 | 404 | 383 | 534 | 556 | 445 | 557 |
| EPS in Rs | 5.39 | 6.30 | 6.27 | 6.37 | 5.78 | 6.97 | 6.25 | 4.25 | 4.03 | 5.61 | 5.84 | 4.67 | 5.85 |
| Gross NPA % | 2.22% | 2.35% | 2.41% | 2.43% | 2.64% | 2.76% | 3.06% | 3.27% | 3.24% | 3.08% | 3.07% | 2.85% | |
| Net NPA % | 0.80% | 0.87% | 0.89% | 0.89% | 0.96% | 0.99% | 1.11% | 1.19% | 1.18% | 1.46% | 1.42% | 1.29% |
Last Updated: February 4, 2026, 7:16 am
Below is a detailed analysis of the quarterly data for SBI Cards & Payment Services Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 785.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 760.00 Cr. (Sep 2025) to 785.00 Cr., marking an increase of 25.00 Cr..
- For Expenses, as of Dec 2025, the value is 3,785.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,742.00 Cr. (Sep 2025) to 3,785.00 Cr., marking an increase of 43.00 Cr..
- For Other Income, as of Dec 2025, the value is 226.00 Cr.. The value appears strong and on an upward trend. It has increased from 176.00 Cr. (Sep 2025) to 226.00 Cr., marking an increase of 50.00 Cr..
- For Depreciation, as of Dec 2025, the value is 34.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 35.00 Cr. (Sep 2025) to 34.00 Cr., marking a decrease of 1.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 749.00 Cr.. The value appears strong and on an upward trend. It has increased from 600.00 Cr. (Sep 2025) to 749.00 Cr., marking an increase of 149.00 Cr..
- For Tax %, as of Dec 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 26.00%.
- For Net Profit, as of Dec 2025, the value is 557.00 Cr.. The value appears strong and on an upward trend. It has increased from 445.00 Cr. (Sep 2025) to 557.00 Cr., marking an increase of 112.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 5.85. The value appears strong and on an upward trend. It has increased from 4.67 (Sep 2025) to 5.85, marking an increase of 1.18.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:41 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,438 | 1,822 | 2,392 | 3,347 | 5,195 | 7,017 | 9,281 | 9,301 | 10,679 | 13,670 | 16,986 | 18,074 | 19,131 |
| Interest | 300 | 378 | 436 | 528 | 712 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 | 3,197 |
| Expenses | 918 | 1,255 | 1,617 | 2,366 | 3,715 | 4,887 | 6,618 | 7,223 | 7,953 | 9,444 | 11,460 | 12,731 | 13,872 |
| Financing Profit | 220 | 189 | 339 | 452 | 769 | 1,121 | 1,362 | 1,034 | 1,699 | 2,579 | 2,931 | 2,164 | 2,062 |
| Financing Margin % | 15% | 10% | 14% | 14% | 15% | 16% | 15% | 11% | 16% | 19% | 17% | 12% | 11% |
| Other Income | 74 | 82 | 100 | 124 | 175 | 270 | 471 | 413 | 622 | 615 | 498 | 563 | 640 |
| Depreciation | 1 | 1 | 1 | 5 | 24 | 55 | 104 | 123 | 149 | 164 | 197 | 147 | 117 |
| Profit before tax | 293 | 271 | 438 | 572 | 919 | 1,335 | 1,730 | 1,324 | 2,172 | 3,031 | 3,232 | 2,581 | 2,584 |
| Tax % | 0% | 1% | 35% | 35% | 35% | 35% | 28% | 26% | 26% | 25% | 25% | 26% | |
| Net Profit | 293 | 267 | 284 | 373 | 601 | 865 | 1,245 | 985 | 1,616 | 2,258 | 2,408 | 1,916 | 1,918 |
| EPS in Rs | 3.73 | 3.40 | 3.62 | 4.75 | 7.66 | 10.33 | 13.26 | 10.47 | 17.14 | 23.87 | 25.32 | 20.14 | 20.15 |
| Dividend Payout % | 0% | 15% | 28% | 21% | 0% | 10% | 8% | 0% | 15% | 10% | 10% | 12% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -8.87% | 6.37% | 31.34% | 61.13% | 43.93% | 43.93% | -20.88% | 64.06% | 39.73% | 6.64% | -20.43% |
| Change in YoY Net Profit Growth (%) | 0.00% | 15.24% | 24.97% | 29.79% | -17.20% | 0.00% | -64.81% | 84.94% | -24.33% | -33.08% | -27.07% |
SBI Cards & Payment Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 14% |
| 3 Years: | 19% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 9% |
| 3 Years: | 6% |
| TTM: | -22% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | -1% |
| 3 Years: | -6% |
| 1 Year: | 3% |
| Return on Equity | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 20% |
| 3 Years: | 20% |
| Last Year: | 15% |
Last Updated: September 5, 2025, 1:26 pm
Balance Sheet
Last Updated: February 1, 2026, 1:52 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 785 | 785 | 785 | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 | 951 | 952 |
| Reserves | -39 | 181 | 370 | 664 | 1,568 | 2,751 | 4,402 | 5,362 | 6,810 | 8,884 | 11,133 | 12,830 | 13,838 |
| Borrowing | 3,498 | 4,699 | 5,928 | 8,268 | 11,413 | 13,549 | 17,573 | 17,895 | 22,982 | 31,110 | 39,891 | 44,947 | 49,225 |
| Other Liabilities | 491 | 593 | 797 | 1,048 | 1,920 | 3,009 | 2,393 | 2,816 | 3,913 | 4,606 | 6,196 | 6,817 | 5,848 |
| Total Liabilities | 4,735 | 6,257 | 7,880 | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 69,862 |
| Fixed Assets | 1 | 2 | 2 | 24 | 242 | 196 | 311 | 308 | 439 | 551 | 542 | 320 | 277 |
| CWIP | 0 | 0 | 0 | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 | 10 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 958 | 1,297 | 2,140 | 3,519 | 6,235 | 5,906 |
| Other Assets | 4,734 | 6,256 | 7,878 | 10,741 | 15,409 | 19,928 | 24,971 | 25,737 | 32,898 | 42,832 | 54,088 | 58,980 | 63,679 |
| Total Assets | 4,735 | 6,257 | 7,880 | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 69,862 |
Below is a detailed analysis of the balance sheet data for SBI Cards & Payment Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 952.00 Cr.. The value appears strong and on an upward trend. It has increased from 951.00 Cr. (Mar 2025) to 952.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 13,838.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,830.00 Cr. (Mar 2025) to 13,838.00 Cr., marking an increase of 1,008.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 5,848.00 Cr.. The value appears to be improving (decreasing). It has decreased from 6,817.00 Cr. (Mar 2025) to 5,848.00 Cr., marking a decrease of 969.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 69,862.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 65,546.00 Cr. (Mar 2025) to 69,862.00 Cr., marking an increase of 4,316.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 277.00 Cr.. The value appears to be declining and may need further review. It has decreased from 320.00 Cr. (Mar 2025) to 277.00 Cr., marking a decrease of 43.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 10.00 Cr..
- For Investments, as of Sep 2025, the value is 5,906.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,235.00 Cr. (Mar 2025) to 5,906.00 Cr., marking a decrease of 329.00 Cr..
- For Other Assets, as of Sep 2025, the value is 63,679.00 Cr.. The value appears strong and on an upward trend. It has increased from 58,980.00 Cr. (Mar 2025) to 63,679.00 Cr., marking an increase of 4,699.00 Cr..
- For Total Assets, as of Sep 2025, the value is 69,862.00 Cr.. The value appears strong and on an upward trend. It has increased from 65,546.00 Cr. (Mar 2025) to 69,862.00 Cr., marking an increase of 4,316.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 915.00 | -3.00 | -4.00 | -6.00 | -8.00 | -9.00 | -11.00 | -10.00 | -15.00 | -22.00 | -28.00 | -32.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 49% | 31% | 27% | 29% | 32% | 29% | 28% | 17% | 23% | 26% | 22% | 15% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| ICICI Prudential Multi Asset Fund | 17,529,181 | 1.93 | 1510.49 | 17,583,581 | 2026-01-26 00:08:16 | -0.31% |
| ICICI Prudential Large & Mid Cap Fund | 14,355,608 | 4.46 | 1237.02 | 13,489,921 | 2026-01-26 00:08:16 | 6.42% |
| Nippon India Multi Cap Fund | 8,252,665 | 1.41 | 711.13 | 3,500,657 | 2025-12-08 00:13:18 | 135.75% |
| Nippon India Large Cap Fund | 4,639,814 | 0.79 | 399.81 | 4,099,302 | 2025-12-08 00:13:18 | 13.19% |
| Nippon India Focused Fund | 4,102,111 | 4.02 | 353.48 | N/A | N/A | N/A |
| Nippon India Banking & Financial Services Fund | 3,893,792 | 4.31 | 335.53 | 3,637,124 | 2026-01-26 00:08:16 | 7.06% |
| Tata Large & Mid Cap Fund | 3,651,635 | 3.62 | 314.66 | 3,551,635 | 2026-01-26 00:08:16 | 2.82% |
| ICICI Prudential ELSS Tax Saver Fund | 2,811,025 | 1.64 | 242.23 | 5,317,761 | 2025-12-08 00:13:18 | -47.14% |
| Quant Mid Cap Fund | 2,660,661 | 2.85 | 229.27 | N/A | N/A | N/A |
| ICICI Prudential Banking and Financial Services | 2,522,560 | 1.95 | 217.37 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 20.15 | 25.39 | 23.92 | 17.16 | 10.48 |
| Diluted EPS (Rs.) | 20.14 | 25.37 | 23.80 | 17.02 | 10.38 |
| Cash EPS (Rs.) | 21.69 | 27.39 | 25.60 | 18.71 | 11.78 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 144.86 | 127.07 | 103.90 | 82.20 | 67.00 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 144.86 | 127.07 | 103.90 | 82.20 | 67.00 |
| Dividend / Share (Rs.) | 2.50 | 2.50 | 2.50 | 2.50 | 1.00 |
| Revenue From Operations / Share (Rs.) | 189.96 | 178.43 | 144.46 | 113.21 | 98.64 |
| PBDIT / Share (Rs.) | 62.08 | 63.34 | 51.18 | 35.50 | 26.48 |
| PBIT / Share (Rs.) | 60.53 | 61.27 | 49.45 | 33.92 | 25.17 |
| PBT / Share (Rs.) | 27.13 | 33.98 | 32.03 | 23.03 | 14.07 |
| Net Profit / Share (Rs.) | 20.14 | 25.32 | 23.87 | 17.14 | 10.47 |
| PBDIT Margin (%) | 32.67 | 35.49 | 35.42 | 31.35 | 26.84 |
| PBIT Margin (%) | 31.86 | 34.34 | 34.23 | 29.96 | 25.51 |
| PBT Margin (%) | 14.27 | 19.04 | 22.17 | 20.34 | 14.26 |
| Net Profit Margin (%) | 10.60 | 14.19 | 16.52 | 15.13 | 10.61 |
| Return on Networth / Equity (%) | 13.90 | 19.92 | 22.97 | 20.84 | 15.62 |
| Return on Capital Employeed (%) | 36.85 | 26.84 | 24.22 | 35.68 | 16.08 |
| Return On Assets (%) | 2.92 | 4.13 | 4.95 | 4.66 | 3.64 |
| Long Term Debt / Equity (X) | 0.00 | 0.65 | 0.81 | 0.00 | 1.15 |
| Total Debt / Equity (X) | 3.26 | 3.30 | 3.16 | 2.96 | 2.87 |
| Asset Turnover Ratio (%) | 0.29 | 0.32 | 0.34 | 0.34 | 0.35 |
| Current Ratio (X) | 1.27 | 1.53 | 1.65 | 1.28 | 2.07 |
| Quick Ratio (X) | 1.27 | 1.53 | 1.65 | 1.28 | 2.07 |
| Dividend Payout Ratio (NP) (%) | 12.40 | 9.87 | 10.47 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 11.52 | 9.12 | 9.76 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 87.60 | 90.13 | 89.53 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 88.48 | 90.88 | 90.24 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 1.86 | 2.32 | 2.94 | 3.26 | 2.39 |
| Interest Coverage Ratio (Post Tax) (X) | 1.60 | 1.93 | 2.37 | 2.57 | 1.94 |
| Enterprise Value (Cr.) | 126137.40 | 102060.41 | 99721.75 | 102206.71 | 104758.10 |
| EV / Net Operating Revenue (X) | 6.98 | 6.01 | 7.30 | 9.57 | 11.29 |
| EV / EBITDA (X) | 21.36 | 16.94 | 20.60 | 30.53 | 42.06 |
| MarketCap / Net Operating Revenue (X) | 4.64 | 3.82 | 5.12 | 7.52 | 9.42 |
| Retention Ratios (%) | 87.59 | 90.12 | 89.52 | 0.00 | 0.00 |
| Price / BV (X) | 6.09 | 5.37 | 7.12 | 10.36 | 13.87 |
| Price / Net Operating Revenue (X) | 4.64 | 3.82 | 5.12 | 7.52 | 9.42 |
| EarningsYield | 0.02 | 0.03 | 0.03 | 0.02 | 0.01 |
After reviewing the key financial ratios for SBI Cards & Payment Services Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 20.15. This value is within the healthy range. It has decreased from 25.39 (Mar 24) to 20.15, marking a decrease of 5.24.
- For Diluted EPS (Rs.), as of Mar 25, the value is 20.14. This value is within the healthy range. It has decreased from 25.37 (Mar 24) to 20.14, marking a decrease of 5.23.
- For Cash EPS (Rs.), as of Mar 25, the value is 21.69. This value is within the healthy range. It has decreased from 27.39 (Mar 24) to 21.69, marking a decrease of 5.70.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 144.86. It has increased from 127.07 (Mar 24) to 144.86, marking an increase of 17.79.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 144.86. It has increased from 127.07 (Mar 24) to 144.86, marking an increase of 17.79.
- For Dividend / Share (Rs.), as of Mar 25, the value is 2.50. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.50.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 189.96. It has increased from 178.43 (Mar 24) to 189.96, marking an increase of 11.53.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 62.08. This value is within the healthy range. It has decreased from 63.34 (Mar 24) to 62.08, marking a decrease of 1.26.
- For PBIT / Share (Rs.), as of Mar 25, the value is 60.53. This value is within the healthy range. It has decreased from 61.27 (Mar 24) to 60.53, marking a decrease of 0.74.
- For PBT / Share (Rs.), as of Mar 25, the value is 27.13. This value is within the healthy range. It has decreased from 33.98 (Mar 24) to 27.13, marking a decrease of 6.85.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 20.14. This value is within the healthy range. It has decreased from 25.32 (Mar 24) to 20.14, marking a decrease of 5.18.
- For PBDIT Margin (%), as of Mar 25, the value is 32.67. This value is within the healthy range. It has decreased from 35.49 (Mar 24) to 32.67, marking a decrease of 2.82.
- For PBIT Margin (%), as of Mar 25, the value is 31.86. This value exceeds the healthy maximum of 20. It has decreased from 34.34 (Mar 24) to 31.86, marking a decrease of 2.48.
- For PBT Margin (%), as of Mar 25, the value is 14.27. This value is within the healthy range. It has decreased from 19.04 (Mar 24) to 14.27, marking a decrease of 4.77.
- For Net Profit Margin (%), as of Mar 25, the value is 10.60. This value exceeds the healthy maximum of 10. It has decreased from 14.19 (Mar 24) to 10.60, marking a decrease of 3.59.
- For Return on Networth / Equity (%), as of Mar 25, the value is 13.90. This value is below the healthy minimum of 15. It has decreased from 19.92 (Mar 24) to 13.90, marking a decrease of 6.02.
- For Return on Capital Employeed (%), as of Mar 25, the value is 36.85. This value is within the healthy range. It has increased from 26.84 (Mar 24) to 36.85, marking an increase of 10.01.
- For Return On Assets (%), as of Mar 25, the value is 2.92. This value is below the healthy minimum of 5. It has decreased from 4.13 (Mar 24) to 2.92, marking a decrease of 1.21.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.65 (Mar 24) to 0.00, marking a decrease of 0.65.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.26. This value exceeds the healthy maximum of 1. It has decreased from 3.30 (Mar 24) to 3.26, marking a decrease of 0.04.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.29. It has decreased from 0.32 (Mar 24) to 0.29, marking a decrease of 0.03.
- For Current Ratio (X), as of Mar 25, the value is 1.27. This value is below the healthy minimum of 1.5. It has decreased from 1.53 (Mar 24) to 1.27, marking a decrease of 0.26.
- For Quick Ratio (X), as of Mar 25, the value is 1.27. This value is within the healthy range. It has decreased from 1.53 (Mar 24) to 1.27, marking a decrease of 0.26.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 12.40. This value is below the healthy minimum of 20. It has increased from 9.87 (Mar 24) to 12.40, marking an increase of 2.53.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 11.52. This value is below the healthy minimum of 20. It has increased from 9.12 (Mar 24) to 11.52, marking an increase of 2.40.
- For Earning Retention Ratio (%), as of Mar 25, the value is 87.60. This value exceeds the healthy maximum of 70. It has decreased from 90.13 (Mar 24) to 87.60, marking a decrease of 2.53.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 88.48. This value exceeds the healthy maximum of 70. It has decreased from 90.88 (Mar 24) to 88.48, marking a decrease of 2.40.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.86. This value is below the healthy minimum of 3. It has decreased from 2.32 (Mar 24) to 1.86, marking a decrease of 0.46.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.60. This value is below the healthy minimum of 3. It has decreased from 1.93 (Mar 24) to 1.60, marking a decrease of 0.33.
- For Enterprise Value (Cr.), as of Mar 25, the value is 126,137.40. It has increased from 102,060.41 (Mar 24) to 126,137.40, marking an increase of 24,076.99.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.98. This value exceeds the healthy maximum of 3. It has increased from 6.01 (Mar 24) to 6.98, marking an increase of 0.97.
- For EV / EBITDA (X), as of Mar 25, the value is 21.36. This value exceeds the healthy maximum of 15. It has increased from 16.94 (Mar 24) to 21.36, marking an increase of 4.42.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 4.64. This value exceeds the healthy maximum of 3. It has increased from 3.82 (Mar 24) to 4.64, marking an increase of 0.82.
- For Retention Ratios (%), as of Mar 25, the value is 87.59. This value exceeds the healthy maximum of 70. It has decreased from 90.12 (Mar 24) to 87.59, marking a decrease of 2.53.
- For Price / BV (X), as of Mar 25, the value is 6.09. This value exceeds the healthy maximum of 3. It has increased from 5.37 (Mar 24) to 6.09, marking an increase of 0.72.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 4.64. This value exceeds the healthy maximum of 3. It has increased from 3.82 (Mar 24) to 4.64, marking an increase of 0.82.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.03 (Mar 24) to 0.02, marking a decrease of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in SBI Cards & Payment Services Ltd:
- Net Profit Margin: 10.6%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 36.85% (Industry Average ROCE: 11.38%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 13.9% (Industry Average ROE: 25.55%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.6
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.27
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 34.6 (Industry average Stock P/E: 178.34)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.26
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 10.6%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower E-1,2,3, New Delhi Delhi 110034 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Challa Sreenivasulu Setty | Chairman |
| Ms. Salila Pande | Managing Director & CEO |
| Mr. Rajendra Kumar Saraf | Independent Director |
| Mr. Dinesh Kumar Mehrotra | Independent Director |
| Ms. Anuradha Shripad Nadkarni | Independent Director |
| Mr. Shriniwas Yeshwant Joshi | Independent Director |
| Mr. Shamsher Singh | Independent Director |
| Mr. Ashwini Kumar Tewari | Nominee Director |
FAQ
What is the intrinsic value of SBI Cards & Payment Services Ltd?
SBI Cards & Payment Services Ltd's intrinsic value (as of 14 February 2026) is ₹658.02 which is 13.53% lower the current market price of ₹761.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹72,401 Cr. market cap, FY2025-2026 high/low of ₹1,027/725, reserves of ₹13,838 Cr, and liabilities of ₹69,862 Cr.
What is the Market Cap of SBI Cards & Payment Services Ltd?
The Market Cap of SBI Cards & Payment Services Ltd is 72,401 Cr..
What is the current Stock Price of SBI Cards & Payment Services Ltd as on 14 February 2026?
The current stock price of SBI Cards & Payment Services Ltd as on 14 February 2026 is ₹761.
What is the High / Low of SBI Cards & Payment Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of SBI Cards & Payment Services Ltd stocks is ₹1,027/725.
What is the Stock P/E of SBI Cards & Payment Services Ltd?
The Stock P/E of SBI Cards & Payment Services Ltd is 34.6.
What is the Book Value of SBI Cards & Payment Services Ltd?
The Book Value of SBI Cards & Payment Services Ltd is 155.
What is the Dividend Yield of SBI Cards & Payment Services Ltd?
The Dividend Yield of SBI Cards & Payment Services Ltd is 0.33 %.
What is the ROCE of SBI Cards & Payment Services Ltd?
The ROCE of SBI Cards & Payment Services Ltd is 10.4 %.
What is the ROE of SBI Cards & Payment Services Ltd?
The ROE of SBI Cards & Payment Services Ltd is 14.8 %.
What is the Face Value of SBI Cards & Payment Services Ltd?
The Face Value of SBI Cards & Payment Services Ltd is 10.0.