Share Price and Basic Stock Data
Last Updated: January 24, 2026, 4:40 pm
| PEG Ratio | 11.62 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
SBI Cards & Payment Services Ltd operates within the Finance & Investments sector, with a current market capitalization of ₹74,630 Cr. The company reported a share price of ₹784, reflecting a price-to-earnings (P/E) ratio of 38.9. Revenue trends illustrate a consistent upward trajectory, with quarterly revenues rising from ₹3,297 Cr in September 2022 to ₹4,087 Cr by September 2023. This upward trend continued with projected revenues of ₹4,622 Cr in December 2023, indicating a robust growth strategy and increasing market penetration. Over the past year, total revenue for the trailing twelve months (TTM) stood at ₹19,131 Cr, showing a significant increase from ₹13,670 Cr reported in March 2023. The steady growth in revenue can be attributed to the rising demand for credit cards and the company’s effective marketing strategies, which have enhanced customer acquisition and retention. The overall outlook for SBI Cards remains positive, supported by a growing consumer credit market in India.
Profitability and Efficiency Metrics
The company’s profitability is underscored by a net profit of ₹1,918 Cr, yielding a return on equity (ROE) of 14.8% and a return on capital employed (ROCE) of 10.4%. The profit margins reflect a slightly declining trend, with a net profit margin of 10.60% as of March 2025, down from 14.19% the previous year. The financing profit stood at ₹2,164 Cr for the fiscal year 2025, with a financing margin of 12%, indicating the company’s ability to maintain profitability despite rising expenses. Additionally, the interest coverage ratio (ICR) of 1.86x signifies a comfortable ability to meet interest obligations. However, the gross non-performing assets (NPA) ratio increased from 2.14% in September 2022 to 2.43% in September 2023, which could pose risks if trends continue. The ability to manage costs while maintaining revenue growth will be critical for sustaining profitability in a competitive landscape.
Balance Sheet Strength and Financial Ratios
SBI Cards reported total assets of ₹69,862 Cr as of September 2025, with reserves amounting to ₹13,838 Cr. The company’s equity capital has seen a gradual increase, reaching ₹951 Cr by March 2025. Notably, the total debt-to-equity ratio stood at 3.26x, reflecting a high leverage position, which may raise concerns regarding financial risk, especially in a rising interest rate environment. However, the company has maintained a healthy current ratio of 1.27, indicating sufficient liquidity to cover short-term liabilities. The book value per share rose to ₹144.86, enhancing shareholder value. The price-to-book value (P/BV) ratio of 6.09x suggests that the stock is trading at a premium compared to its book value, which is typical for high-growth companies in the financial sector. This balance sheet strength provides a foundation for future expansion but requires careful monitoring of leverage and asset quality.
Shareholding Pattern and Investor Confidence
The shareholding structure of SBI Cards illustrates a strong promoter backing, with promoters holding 68.59% of the equity as of March 2025. Foreign institutional investors (FIIs) have gradually increased their stake to 10.10%, while domestic institutional investors (DIIs) hold 17.76%. This distribution indicates a balanced mix of institutional and retail investor confidence in the company’s future prospects. The number of shareholders decreased to 750,786 in September 2025 from a peak of 1,057,260 in December 2022, suggesting a consolidation phase post-IPO hype. The steady presence of institutional investors is a positive sign, reflecting confidence in the company’s growth trajectory. However, the declining number of retail shareholders could indicate a potential risk if not addressed through enhanced shareholder engagement and value delivery.
Outlook, Risks, and Final Insight
The outlook for SBI Cards remains favorable, driven by increasing consumer spending and a growing credit market in India. However, the company faces risks including rising NPAs, which stood at 2.43% as of September 2023, and high leverage, with a debt-to-equity ratio of 3.26x. Additionally, increased competition in the credit card space could pressure margins and market share. The company’s ability to navigate these challenges while capitalizing on growth opportunities will be crucial. If the company successfully manages its asset quality and maintains profitability, it could leverage its strong market position for further expansion. Conversely, failure to address these risks may hinder growth and impact investor confidence. Overall, SBI Cards is well-positioned to capitalize on the expanding financial services market, but vigilance in risk management will be essential for sustainable success.
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 | 387 Cr. | 1,006 | 1,900/954 | 50.0 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 68.6 Cr. | 40.8 | 54.9/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 46.9 Cr. | 87.0 | 135/68.6 | 195 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 56.3 Cr. | 43.2 | 68.5/36.9 | 49.8 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.9 Cr. | 32.0 | 165/26.5 | 74.2 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 19,654.15 Cr | 1,373.80 | 45.11 | 3,630.28 | 0.43% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,297 | 3,507 | 3,762 | 3,912 | 4,087 | 4,622 | 4,348 | 4,359 | 4,421 | 4,619 | 4,674 | 4,877 | 4,961 |
| Interest | 368 | 464 | 507 | 571 | 605 | 695 | 724 | 767 | 788 | 829 | 795 | 813 | 760 |
| Expenses | 2,341 | 2,467 | 2,565 | 2,631 | 2,760 | 3,258 | 2,811 | 2,867 | 3,173 | 3,372 | 3,320 | 3,439 | 3,742 |
| Financing Profit | 588 | 576 | 690 | 710 | 722 | 668 | 813 | 725 | 461 | 419 | 559 | 625 | 459 |
| Financing Margin % | 18% | 16% | 18% | 18% | 18% | 14% | 19% | 17% | 10% | 9% | 12% | 13% | 9% |
| Other Income | 156 | 149 | 154 | 134 | 134 | 120 | 127 | 124 | 135 | 148 | 158 | 158 | 176 |
| Depreciation | 39 | 41 | 45 | 48 | 47 | 51 | 52 | 49 | 50 | 49 | -2 | 35 | 35 |
| Profit before tax | 706 | 684 | 800 | 797 | 809 | 738 | 888 | 799 | 545 | 518 | 719 | 748 | 600 |
| Tax % | 26% | 26% | 25% | 26% | 26% | 26% | 25% | 26% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 526 | 509 | 596 | 593 | 603 | 549 | 662 | 594 | 404 | 383 | 534 | 556 | 445 |
| EPS in Rs | 5.57 | 5.39 | 6.30 | 6.27 | 6.37 | 5.78 | 6.97 | 6.25 | 4.25 | 4.03 | 5.61 | 5.84 | 4.67 |
| Gross NPA % | 2.14% | 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 % | 0.78% | 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: December 29, 2025, 6:04 am
Below is a detailed analysis of the quarterly data for SBI Cards & Payment Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 760.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 813.00 Cr. (Jun 2025) to 760.00 Cr., marking a decrease of 53.00 Cr..
- For Expenses, as of Sep 2025, the value is 3,742.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,439.00 Cr. (Jun 2025) to 3,742.00 Cr., marking an increase of 303.00 Cr..
- For Other Income, as of Sep 2025, the value is 176.00 Cr.. The value appears strong and on an upward trend. It has increased from 158.00 Cr. (Jun 2025) to 176.00 Cr., marking an increase of 18.00 Cr..
- For Depreciation, as of Sep 2025, the value is 35.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 35.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 600.00 Cr.. The value appears to be declining and may need further review. It has decreased from 748.00 Cr. (Jun 2025) to 600.00 Cr., marking a decrease of 148.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 26.00%.
- For Net Profit, as of Sep 2025, the value is 445.00 Cr.. The value appears to be declining and may need further review. It has decreased from 556.00 Cr. (Jun 2025) to 445.00 Cr., marking a decrease of 111.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.67. The value appears to be declining and may need further review. It has decreased from 5.84 (Jun 2025) to 4.67, marking a decrease of 1.17.
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: January 7, 2026, 4:21 pm
| 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 | 17,583,581 | 2.06 | 1547.62 | 15,329,366 | 2025-12-14 15:30:56 | 14.71% |
| ICICI Prudential Large & Mid Cap Fund | 13,489,921 | 4.41 | 1187.32 | 10,783,156 | 2025-12-14 02:28:49 | 25.1% |
| Nippon India Multi Cap Fund | 8,252,665 | 1.45 | 726.36 | 3,500,657 | 2025-12-08 00:13:18 | 135.75% |
| Nippon India Large Cap Fund | 4,639,814 | 0.81 | 408.37 | 4,099,302 | 2025-12-08 00:13:18 | 13.19% |
| Nippon India Focused Fund | 4,102,111 | 4.06 | 361.05 | N/A | N/A | N/A |
| Nippon India Banking & Financial Services Fund | 3,637,124 | 4.11 | 320.12 | 3,362,545 | 2025-12-14 21:02:18 | 8.17% |
| Tata Large & Mid Cap Fund | 3,551,635 | 3.57 | 312.6 | N/A | N/A | N/A |
| ICICI Prudential ELSS Tax Saver Fund | 2,811,025 | 1.65 | 247.41 | 5,317,761 | 2025-12-08 00:13:18 | -47.14% |
| SBI Banking & Financial Services Fund | 2,133,685 | 1.91 | 187.8 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 1,877,975 | 0.15 | 165.29 | 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: 38.2 (Industry average Stock P/E: 45.11)
- 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 25 January 2026) is ₹726.42 which is 5.78% lower the current market price of ₹771.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹73,324 Cr. market cap, FY2025-2026 high/low of ₹1,027/712, 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 73,324 Cr..
What is the current Stock Price of SBI Cards & Payment Services Ltd as on 25 January 2026?
The current stock price of SBI Cards & Payment Services Ltd as on 25 January 2026 is ₹771.
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 ₹1,027/712.
What is the Stock P/E of SBI Cards & Payment Services Ltd?
The Stock P/E of SBI Cards & Payment Services Ltd is 38.2.
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 0.32 %.
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.