Avsar.

Financial Services · Non Banking Financial Company (NBFC)

SBI Cards & Payment Services Ltd (SBICARD)

₹525.00

Mkt cap
₹49,962 Cr
P/E ratio
19.20
P/B
2.92
Div yield
0.48%
ROE
14.70%
ROCE
10.10%
EPS (TTM)
₹27.34
Book value
₹180
52W range
519–937
Sector
Financial Services

Price history

Previous close

SBI Cards and Payment Services Limited is a non-deposit accepting systemically important nonbanking financial company registered with the RBI. The Company is engaged in issuing credit cards to consumers in India. It is headquartered in Gurgaon, Haryana. It is a subsidiary of India’s largest commercial bank, the State Bank of India. [1] [2] [3]

NSE SBICARDBSE 543066
Health check
Cautious
ValuationFair
ProfitabilityAverage
TechnicalsBearish
52-week range
−43.96% from high
₹525
₹519+1.15% from low₹937
Current
₹525.00
Prev close
₹540.00
Day
−2.78%
Price performance
1D
−2.78%
1W
−3.77%
1M
−9.64%
3M
−20.19%
6M
−19.38%
1Y
−43.46%
YTD
−40.07%

Financials

Revenue, profit & margin
P/E ratio
19.2×
SBICARD is 4% above the sector median of 18.4×
SBICARD19.2×
Sector median18.4×
 Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026Trend
Revenue4,0874,6224,3484,3594,4214,6194,6744,8774,9615,1274,9345,0415,141
Interest605695724767788829795813760785714745787
Expenses2,7603,2582,8112,8673,1733,3723,3203,4393,7423,7853,6253,5373,436
Financing Profit722668813725461419559625459557596759917
Financing Margin %18%14%19%17%10%9%12%13%9%11%12%15%18%
Other Income134120127124135148158158176226253165161
Depreciation475152495049-2353534323133
Profit before tax8097388887995455187197486007498168931,046
Tax %26%26%25%26%26%26%26%26%26%26%25%26%26%
Net Profit603549662594404383534556445557609664778
EPS in Rs6.375.786.976.254.254.035.615.844.675.856.406.988.17
Gross NPA %2.43%2.64%2.76%3.06%3.27%3.24%3.08%3.07%2.85%2.86%2.41%2.04%1.90%
Net NPA %0.89%0.96%0.99%1.11%1.19%1.18%1.46%1.42%1.29%1.28%1.04%0.83%0.77%
Raw PDF

Earnings

Results dates & reactions
No upcoming results date on calendar.

Fresh quarters land in the Financials table above, tagged NSE until screener catches up.

Avg earnings-day move −0.74% · closed higher next day 11 of last 25
 Q3FY24Q4FY24Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Q1FY27Q2FY27
Broadcast25 Jan '24◦26 Apr '24◦26 Jul '24◦29 Oct '24◦28 Jan '25◦25 Apr '2525 Jul '25◦24 Oct '25◦28 Jan '26◦27 Apr '2624 Jul '26◦23 Oct '26
Earnings day−5.83%−3.51%−1.91%−0.18%+0.30%−6.37%−5.79%−3.03%−1.67%+0.06%+4.24%−1.33%
+1 day−6.22%−2.95%−0.37%+0.47%+2.07%−6.76%−7.55%−2.50%−3.69%−3.41%+5.84%−3.21%
+5 days−7.46%−4.65%−2.68%+2.21%+10.10%−2.40%−9.45%−4.46%−4.18%−3.68%+7.48%—
+15 days−4.14%−5.41%−1.52%+1.39%+14.00%−1.29%−7.70%−6.63%+2.02%−6.94%+3.72%—
+30 days−7.80%−5.02%+10.00%+6.30%+10.04%+9.76%−3.84%−6.85%−9.91%−13.37%+9.03%—
FilingXBRLXBRLXBRLXBRLXBRLXBRLXBRLPDFXBRLPDFXBRLXBRL

Corporate actions

Last 6 months

No recent corporate actions

Dividends, splits, and bonuses in the last six months show up here.

Results analysis

Shareholding

as of Sep 2026
68.86%Promoter
Promoters68.86%
FIIs7.12%1.86
DIIs20.18%2.05
Public3.82%0.20
Ownership trend

Peers

7 companies
Valuation vs quality
P/E × ROCE · bubble = market cap
NameCMPP/EMkt CapDiv YldNP QtrQtr Profit VarSales QtrQtr Sales VarROCE
Bajaj Finance₹939.1026.735,84,6790.58%6,367+28.53%24,546+22.79%10.87%
Shriram Finance₹823.1515.271,93,6941.31%3,684+59.18%13,792+15.78%11.49%
Tata Capital₹319.9022.641,35,7930.18%1,832+51.27%9,342+20.74%8.58%
Cholaman.Inv.&Fn₹1,586.0021.781,35,5170.13%1,630+40.59%9,271+23.75%9.71%
Muthoot Finance₹2,408.607.9396,6981.25%3,278+34.12%9,998+37.28%15.80%
L&T Finance Ltd₹244.4017.7961,2561.13%973+32.70%5,484+26.49%8.40%
SBI Cards₹525.0019.1649,9620.48%778+74.83%5,141+3.62%10.10%
Median: 104 Co.₹130.8718.424960.00%11+40.59%49+26.49%9.46%

Filings

Annual reports7
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022Annual Report 2021Annual Report 2020
Concall transcripts57
TranscriptOct 2026RECOct 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptAug 2025PPTAug 2025RECAug 2025TranscriptApr 2025PPTApr 2025RECApr 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024
Credit ratings6
Rating update 23 OcticraRating update 30 SepcrisilRating update 8 SepcrisilRating update 25 JuncrisilRating update 28 AprcrisilRating update 24 Marcrisil
Announcements5
Announcement under Regulation 30 (LODR)-Earnings Call Transcript 29 Oct - Disclosure under Regulation 30 of SEBI (LODR) Regulations, 2015 - Transcript - SBI Card Q2''FY 27 Earnings CallAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 29 Oct - Intimation of allotment of 5,560 Equity shares pursuant to exercise of Employee Stock Options under the SBI Card- Employee Stock Option Plan 2019 (ESOP Plan …Announcement under Regulation 30 (LODR)-Press Release / Media Release 28 Oct - SBI Card and Air India announce upcoming co-branded Visa credit card for Maharaja Club members.Announcement under Regulation 30 (LODR)-Newspaper Publication 24 Oct - Disclosure under Regulation 30 and 47 of the SEBI (LODR) Regulations, 2015 - Newspaper Advertisements - Unaudited Financial Results of the Company ....Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 23 Oct - Audio recording of SBI Card O2 FY27 earnings call held October 23, 2026 posted.