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SBI Cards & Payment Services Ltd Financial Statements & Historical Data

Updated NSE: SBICARDBSE: 543066
Report details
Last Updated:
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SBI Cards & Payment Services Ltd: Earnings grew faster than income in the quarter ending Jun 2026. Income rose 3.4% to ₹5,041 crore against Jun 2025. Net profit rose 19.4% to ₹664 crore against the same period a year earlier. Across the full year ending Mar 2026, income rose 10.1% and profit rose 13.1% against Mar 2025.

Calculated from the stored statements below · Reporting periods remain separate
COMPANY FINANCIAL DATA

Market snapshot

Stored figures, not live quotes. Price record: 9 October 2026, 9:29 pm +05:30. Financial reporting periods are shown in the tables below.

Stored share price562₹ per share
Reported P/E23.5Times
Book value per share165₹ per share
Reported ROCE10.1 %Reported return

Stored market and accounting figures

Price record: 9 October 2026, 9:29 pm +05:30. Not a live quote.

MeasureStored figure
Market Cap53,448 Cr.
Current Price562
High / Low965/548
Stock P/E23.5
Book Value165
Dividend Yield0.44 %
ROCE10.1 %
ROE14.7 %
Face Value10.0

Market cap is in ₹ crore; prices and per-share values are in ₹. P/E is a multiple; yield, ROCE and ROE are percentages. Book value is an accounting figure, not an estimate of the share's investment value.

Data sources and reporting basis

Sources: Company data source. Check the company filings linked by the source for the reporting basis and exceptional items.

Different tables can have different reporting dates and accounting bases. Verify the company filings before comparing figures. Missing data is not treated as zero.

How Getaka handles sources, dates and corrections. Page revision dates describe the page, not the age of every financial figure.

DAILY STORED OBSERVATIONS

Share price history

₹ per share

Last stored price for each available date, not a live quote or an official closing-price series. Missing dates are not filled. Verify corporate-action adjustments against the source.

Chart loads as you scroll.

EARNINGS

Quarterly performance

Jun 2026

Earnings grew faster than income in the quarter ending Jun 2026. Income rose 3.4% to ₹5,041 crore against Jun 2025. Net profit rose 19.4% to ₹664 crore against the same period a year earlier.

Sales, expenses & profits

₹ crore

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All reported periods
Quarterly statementAll reported figures · use a chart icon for peer comparison

Quarterly Chart Table

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue3,9124,0874,6224,3484,3594,4214,6194,6744,8774,9615,1274,9345,041
Interest 571605695724767788829795813760785714745
Expenses 2,6312,7603,2582,8112,8673,1733,3723,3203,4393,7423,7853,6253,537
Financing Profit710722668813725461419559625459557596759
Financing Margin %18%18%14%19%17%10%9%12%13%9%11%12%15%
Other Income 134134120127124135148158158176226253165
Depreciation 48475152495049-23535343231
Profit before tax 797809738888799545518719748600749816893
Tax % 26%26%26%25%26%26%26%26%26%26%26%25%26%
Net Profit 593603549662594404383534556445557609664
EPS in Rs 6.276.375.786.976.254.254.035.615.844.675.856.406.98
Gross NPA %2.41%2.43%2.64%2.76%3.06%3.27%3.24%3.08%3.07%2.85%2.86%2.41%2.04%
Net NPA %0.89%0.89%0.96%0.99%1.11%1.19%1.18%1.46%1.42%1.29%1.28%1.04%0.83%

Last Updated: September 29, 2026, 5:51 pm

EARNINGS

Annual performance

Mar 2026

Earnings grew faster than income in the year ending Mar 2026. Income rose 10.1% to ₹19,901 crore against Mar 2025. Net profit rose 13.1% to ₹2,167 crore against the same period a year earlier.

Sales, expenses & profits

₹ crore

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All reported periods
PER-SHARE EARNINGS

Earnings per share

Reported annual earnings per share use ₹ per share, while the earnings charts use ₹ crore. Changes in share count and corporate actions can affect the comparison between years.

Earnings per share

₹ per share

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All reported periods
Annual statementAll reported figures · use a chart icon for peer comparison

Profit & Loss Chart Table

Last Updated: October 12, 2026, 4:22 am

MetricMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1,8222,3923,3475,1957,0179,2819,30110,67913,67016,98618,07419,90120,063
Interest 3784365287121,0091,3011,0431,0271,6482,5953,1783,0723,003
Expenses 1,2551,6172,3663,7154,8876,6187,2237,9539,44411,46012,73114,58714,689
Financing Profit1893394527691,1211,3621,0341,6992,5792,9312,1642,2432,371
Financing Margin %10%14%14%15%16%15%11%16%19%17%12%11%12%
Other Income 82100124175270471413622615498563806819
Depreciation 1152455104123149164197147136132
Profit before tax 2714385729191,3351,7301,3242,1723,0313,2322,5812,9133,058
Tax % 1%35%35%35%35%28%26%26%25%25%26%26%
Net Profit 2672843736018651,2459851,6162,2582,4081,9162,1672,275
EPS in Rs 3.403.624.757.6610.3313.2610.4717.1423.8725.3220.1422.7723.90
Dividend Payout % 15%28%21%0%10%8%0%15%10%10%12%11%
Year-on-year profit growth table

YoY Net Profit Growth

Year2015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-20252025-2026
YoY Net Profit Growth (%)6.37%31.34%61.13%43.93%43.93%-20.88%64.06%39.73%6.64%-20.43%13.10%
Change in YoY Net Profit Growth (%)0.00%24.97%29.79%-17.20%0.00%-64.81%84.94%-24.33%-33.08%-27.07%33.53%

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:Not available
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

CASH & FUNDING

Balance sheet

Compare reserves and borrowings across the same financial years. Reserves are an accounting balance, not available cash.

Reserves & borrowings

₹ crore

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All reported periods
Balance-sheet statementAll reported figures · use a chart icon for peer comparison

Balance Sheet Data Table

Last Updated: October 9, 2026, 9:29 pm

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 785785785785837939941943946951951952
Reserves 1813706641,5682,7514,4025,3626,8108,88411,13312,83014,774
Borrowing4,6995,9288,26811,41313,54917,57317,89522,98231,11039,89144,94744,064
Other Liabilities 5937971,0481,9203,0092,3932,8163,9134,6066,1966,8176,539
Total Liabilities 6,2577,88010,76515,68620,14625,30727,01334,64845,54658,17165,54666,328
Fixed Assets 2224242196311308439551542320219
CWIP 000352024101423221012
Investments 0000119581,2972,1403,5196,2356,374
Other Assets 6,2567,87810,74115,40919,92824,97125,73732,89842,83254,08858,98059,723
Total Assets 6,2577,88010,76515,68620,14625,30727,01334,64845,54658,17165,54666,328
CASH & FUNDING

Cash generation

Mar 2026

Operating activities generated ₹493 crore in Mar 2026. Reported free cash flow for the same period was ₹459 crore. For a financial business, lending and deposit movements affect operating cash flow; an industrial-company cash-conversion rule would be inappropriate.

Operating & free cash flow

₹ crore

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All reported periods
Cash-flow statementAll reported figures · use a chart icon for peer comparison

Cash Flows

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -879-1,158-2,235-2,891-2,327-4,063692-4,391-6,671-5,653-2,140493
Cash from Investing Activity + 11-1128-76-77-997-538-921-1,255-2,491245
Cash from Financing Activity + 1,0081,1412,2442,9532,8243,9234325,0457,8248,4014,687-1,172
Net Cash Flow 130-179190422-2181271152321,49255-434
Free Cash Flow -879-1,158-2,236-2,931-2,423-4,141635-4,491-6,764-5,728-2,196459
CFO/OP -142%-138%-193%-178%-87%-127%57%-147%-140%-85%-26%24%
Free cash flowAll reported figures · use a chart icon for peer comparison

Free Cash Flow Table

Free cash flow reported in the stored cash-flow statement (₹ Cr)
PeriodMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Free Cash Flow-879.00-1,158.00-2,236.00-2,931.00-2,423.00-4,141.00635.00-4,491.00-6,764.00-5,728.00-2,196.00459.00

This table and the chart use the Free Cash Flow row from the same stored cash-flow statement. Free cash flow generally measures operating cash flow after capital expenditure; check the source definition and reporting basis. It is not operating profit minus borrowings.

OPERATING CYCLE

Capital efficiency

Financial efficiency feed. Source: www.screener.in. Check the source for the accounting basis. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

Compare collection, inventory, payment and working-capital cycles together in days. Returns on capital and equity follow in a separate percentage chart.

Returns on capital & equity

%

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All reported periods
Efficiency tableAll reported figures · use a chart icon for peer comparison

Financial Efficiency Data Table

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 49%31%27%29%32%29%28%17%23%26%22%15%
SHAREHOLDERS

Ownership trends

Jun 2026

Promoters held 68.86% in Jun 2026. Their share was 0.27 percentage points higher than in Jun 2025. Ownership percentages can change through share issuance as well as transactions. Check exchange disclosures for the explanation and any pledging; the percentage alone is not evidence of investor conviction. FIIs held 8.98% in Jun 2026, 1.25 percentage points below their holding in Jun 2025. DIIs held 18.13% in Jun 2026, 0.63 percentage points above their holding in Jun 2025.

Shareholding comparison

%

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All reported periods
SHAREHOLDER PARTICIPATION

Shareholder count

Shareholder count

Shareholders

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All reported periods
Ownership tableAll reported figures · use a chart icon for peer comparison

Shareholding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 68.94%68.75%68.63%68.62%68.61%68.60%68.60%68.59%68.59%68.58%68.92%68.86%
FIIs 9.08%9.35%8.59%8.72%9.18%9.52%9.88%10.23%10.10%10.14%9.54%8.98%
DIIs 17.28%16.27%16.68%16.54%16.76%16.47%17.22%17.50%17.76%17.84%18.12%18.13%
Public 4.69%5.62%6.09%6.11%5.46%5.41%4.30%3.68%3.56%3.42%3.42%4.02%
No. of Shareholders 9,61,29610,28,67310,36,63210,19,1179,48,9169,37,2708,47,6727,74,6427,50,7867,18,3427,05,5977,29,862
Mutual fund holdingsReported fund ownership · Expand table

Mutual Fund Holdings Data Table

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
ICICI Prudential Multi Asset Fund 17,529,181 1.64 1320.9117,583,5812026-01-26 00:08:16-0.31%
ICICI Prudential Large & Mid Cap Fund 14,655,608 4.02 1104.3714,355,6082026-02-23 04:32:312.09%
Nippon India Multi Cap Fund 8,252,665 1.27 621.883,500,6572025-12-08 00:13:18135.75%
ICICI Prudential Banking and Financial Services 5,202,910 3.58 392.072,522,5602026-02-23 04:32:31106.26%
Nippon India Large Cap Fund 4,639,814 0.7 349.634,099,3022025-12-08 00:13:1813.19%
Nippon India Focused Fund 4,402,111 3.91 331.724,102,1112026-02-23 04:32:317.31%
Nippon India Banking & Financial Services Fund 3,893,792 3.78 293.423,637,1242026-01-26 00:08:167.06%
ICICI Prudential ELSS Tax Saver Fund 2,811,025 1.49 211.825,317,7612025-12-08 00:13:18-47.14%
ICICI Prudential Multicap Fund 2,651,228 1.26 199.78N/AN/AN/A
SBI Banking & Financial Services Fund 2,133,685 1.54 160.78N/AN/AN/A
ALTERNATE FEED

Financial ratios

Alternate ratio feed. Source: www.way2wealth.com. The accounting basis and ratio definitions require verification against the source. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

Each card groups related ratios with the same unit. Reporting dates remain visible for every measure; the original ratio table follows the charts.

ALTERNATE RATIO FEED

Profitability ratios

%

Profitability ratios

%

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All reported periods
ALTERNATE RATIO FEED

Liquidity ratios

Multiple (×)

Liquidity ratios

Multiple (×)

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ALTERNATE RATIO FEED

Distributions & retention

%

Distributions & retention

%

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All reported periods
ALTERNATE RATIO FEED

Interest coverage

Multiple (×)

Interest coverage

Multiple (×)

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All reported periods
ALTERNATE RATIO FEED

Valuation multiples

Multiple (×)

Valuation multiples

Multiple (×)

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Supporting ratio tableAll reported figures · use a chart icon for peer comparison

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 20.1525.3923.9217.1610.48
Diluted EPS (Rs.) 20.1425.3723.8017.0210.38
Cash EPS (Rs.) 21.6927.3925.6018.7111.78
Book Value[Excl.RevalReserv]/Share (Rs.) 144.86127.07103.9082.2067.00
Book Value[Incl.RevalReserv]/Share (Rs.) 144.86127.07103.9082.2067.00
Dividend / Share (Rs.) 2.502.502.502.501.00
Revenue From Operations / Share (Rs.) 189.96178.43144.46113.2198.64
PBDIT / Share (Rs.) 62.0863.3451.1835.5026.48
PBIT / Share (Rs.) 60.5361.2749.4533.9225.17
PBT / Share (Rs.) 27.1333.9832.0323.0314.07
Net Profit / Share (Rs.) 20.1425.3223.8717.1410.47
PBDIT Margin (%) 32.6735.4935.4231.3526.84
PBIT Margin (%) 31.8634.3434.2329.9625.51
PBT Margin (%) 14.2719.0422.1720.3414.26
Net Profit Margin (%) 10.6014.1916.5215.1310.61
Return on Networth / Equity (%) 13.9019.9222.9720.8415.62
Return on Capital Employeed (%) 36.8526.8424.2235.6816.08
Return On Assets (%) 2.924.134.954.663.64
Long Term Debt / Equity (X) 0.000.650.810.001.15
Total Debt / Equity (X) 3.263.303.162.962.87
Asset Turnover Ratio (%) 0.290.320.340.340.35
Current Ratio (X) 1.271.531.651.282.07
Quick Ratio (X) 1.271.531.651.282.07
Dividend Payout Ratio (NP) (%) 12.409.8710.470.000.00
Dividend Payout Ratio (CP) (%) 11.529.129.760.000.00
Earning Retention Ratio (%) 87.6090.1389.530.000.00
Cash Earning Retention Ratio (%) 88.4890.8890.240.000.00
Interest Coverage Ratio (X) 1.862.322.943.262.39
Interest Coverage Ratio (Post Tax) (X) 1.601.932.372.571.94
Enterprise Value (Cr.) 126137.40102060.4199721.75102206.71104758.10
EV / Net Operating Revenue (X) 6.986.017.309.5711.29
EV / EBITDA (X) 21.3616.9420.6030.5342.06
MarketCap / Net Operating Revenue (X) 4.643.825.127.529.42
Retention Ratios (%) 87.5990.1289.520.000.00
Price / BV (X) 6.095.377.1210.3613.87
Price / Net Operating Revenue (X) 4.643.825.127.529.42
EarningsYield 0.020.030.030.020.01

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
SBI Cards & Payment Services Ltd 53,448 Cr. 562 965/54823.5 1650.44 %10.1 %14.7 % 10.0
Sundaram Finance Ltd 45,658 Cr. 4,114 5,642/4,00020.0 1,3410.97 %9.44 %15.0 % 10.0
Motilal Oswal Financial Services Ltd 61,762 Cr. 1,026 1,097/61531.2 2140.58 %12.7 %15.5 % 1.00
Mahindra & Mahindra Financial Services Ltd 44,388 Cr. 319 415/27313.2 1922.35 %8.72 %12.3 % 2.00
360 ONE WAM Ltd 42,780 Cr. 1,048 1,236/90633.9 2421.15 %12.1 %14.4 % 1.00
Industry Average5,317.52 Cr1,100.6857.833,572.450.48%10.53%14.10%7.06

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