What is SBI Cards & Payment Services Ltd's PE ratio?

SBI Cards & Payment Services Ltd trades at a P/E ratio of 28.20.

What is SBI Cards & Payment Services Ltd's market cap?

SBI Cards & Payment Services Ltd's market capitalisation is ₹64,237 Cr.

When did SBI Cards & Payment Services Ltd last report results?

SBI Cards & Payment Services Ltd last reported Q1FY27 results on 24 Jul '26.

What is SBI Cards & Payment Services Ltd's ROE?

SBI Cards & Payment Services Ltd's return on equity (ROE) is 14.7%.

What sector is SBI Cards & Payment Services Ltd in?

SBI Cards & Payment Services Ltd (SBICARD) is classified in the Financial Services sector (Non Banking Financial Company (NBFC)).

Financial Services · Non Banking Financial Company (NBFC)

SBI Cards & Payment Services Ltd (SBICARD)

₹665.90

Mkt cap

₹64,237 Cr

P/E ratio

28.20

P/B

4.04

Div yield

0.37%

ROE

14.70%

ROCE

10.10%

EPS (TTM)

₹23.61

Book value

₹165

52W range

568–938

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

ValuationExpensive

ProfitabilityAverage

TechnicalsBearish

52-week range

−29.00% from high

₹666

₹568+17.18% from low₹938

Current

₹665.90

Prev close

₹674.65

Day

−1.30%

Price performance

−1.30%

+5.30%

+1.66%

+14.67%

−8.85%

−16.07%

YTD

−23.98%

Financials

Revenue, profit & margin

P/E ratio

28.2×

SBICARD is 45% above the sector median of 19.4×

SBICARD28.2×

Sector median19.4×

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	3,912	4,087	4,622	4,348	4,359	4,421	4,619	4,674	4,877	4,961	5,127	4,934	5,041
Interest	571	605	695	724	767	788	829	795	813	760	785	714	745
Expenses	2,631	2,760	3,258	2,811	2,867	3,173	3,372	3,320	3,439	3,742	3,785	3,625	3,537
Financing Profit	710	722	668	813	725	461	419	559	625	459	557	596	759
Financing Margin %	18%	18%	14%	19%	17%	10%	9%	12%	13%	9%	11%	12%	15%
Other Income	134	134	120	127	124	135	148	158	158	176	226	253	165
Depreciation	48	47	51	52	49	50	49	-2	35	35	34	32	31
Profit before tax	797	809	738	888	799	545	518	719	748	600	749	816	893
Tax %	26%	26%	26%	25%	26%	26%	26%	26%	26%	26%	26%	25%	26%
Net Profit	593	603	549	662	594	404	383	534	556	445	557	609	664
EPS in Rs	6.27	6.37	5.78	6.97	6.25	4.25	4.03	5.61	5.84	4.67	5.85	6.40	6.98
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%
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 −0.72% · closed higher next day 11 of last 24

	Q2FY24	Q3FY24	Q4FY24	Q1FY25	Q2FY25	Q3FY25	Q4FY25	Q1FY26	Q2FY26	Q3FY26	Q4FY26	Q1FY27
Broadcast	27 Oct '23◦	25 Jan '24◦	26 Apr '24◦	26 Jul '24◦	29 Oct '24◦	28 Jan '25◦	25 Apr '25	25 Jul '25◦	24 Oct '25◦	28 Jan '26◦	27 Apr '26	24 Jul '26◦
Earnings day	−5.07%	−5.83%	−3.51%	−1.91%	−0.18%	+0.30%	−6.37%	−5.79%	−3.03%	−1.67%	+0.06%	+4.24%
+1 day	−5.60%	−6.22%	−2.95%	−0.37%	+0.47%	+2.07%	−6.76%	−7.55%	−2.50%	−3.69%	−3.41%	+5.84%
+5 days	−4.62%	−7.46%	−4.65%	−2.68%	+2.21%	+10.10%	−2.40%	−9.45%	−4.46%	−4.18%	−3.68%	+7.48%
+15 days	−7.04%	−4.14%	−5.41%	−1.52%	+1.39%	+14.00%	−1.29%	−7.70%	−6.63%	+2.02%	−6.94%	+3.72%
+30 days	−5.12%	−7.80%	−5.02%	+10.00%	+6.30%	+10.04%	+9.76%	−3.84%	−6.85%	−9.91%	−13.37%	+9.03%
Filing	XBRL	XBRL	XBRL	XBRL	XBRL	XBRL	XBRL	XBRL	PDF	XBRL	PDF	XBRL

Corporate actions

Last 6 months

Kind	Value	Ex-date	Record
dividend Interim Dividend - Rs 2.50 Per Share	2.50	11 Mar '26	11 Mar '26

Results analysis

Shareholding

as of Jun 2026

68.86%Promoter

Promoters68.86%0.06

FIIs8.98%0.56

DIIs18.13%

Public4.02%0.60

Ownership trend

Peers

7 companies

Valuation vs quality

P/E × ROCE · bubble = market cap

Name	CMP	P/E	Mkt Cap	Div Yld	NP Qtr	Qtr Profit Var	Sales Qtr	Qtr Sales Var	ROCE
BAJFINANCE	₹1,060.00	32.22	6,59,951	0.51%	6,081	+27.37%	23,165	+18.65%	10.87%
SHRIRAMFIN	₹1,037.00	21.56	2,44,004	1.04%	3,453	+59.89%	13,400	+16.16%	11.49%
CHOLAFIN	₹1,848.20	27.45	1,57,848	0.11%	1,656	+45.56%	8,856	+21.87%	9.71%
TATACAP	₹369.95	28.90	1,57,060	0.15%	1,628	+56.32%	8,822	+15.10%	8.58%
MUTHOOTFIN	₹2,880.00	10.17	1,15,623	1.04%	2,825	+38.83%	8,672	+34.44%	15.80%
LTF	₹312.50	24.46	78,324	0.88%	916	+28.72%	5,213	+22.38%	8.40%
SBICARD	₹674.65	28.23	64,237	0.37%	664	+19.51%	5,041	+3.36%	10.10%
Median: 100 Co.	₹130.84	19.41	517	0.00%	11	+38.31%	49	+27.36%	9.60%

Filings

Annual reports7

Annual Report 2026bse Annual Report 2025bse Annual Report 2024bse Annual Report 2023bse Annual Report 2022bse Annual Report 2021bse Annual Report 2020bse

Credit ratings6

Rating update 25 Juncrisil Rating update 28 Aprcrisil Rating update 24 Marcrisil Rating update 31 Dec 2025crisil Rating update 14 Nov 2025crisil Rating update 24 Oct 2025icra

Announcements5

Intimation Under Regulation 30 Of The SEBI (LODR) Regulations, 2015 -ESG Rating 5 Sep - SES ESG assigns SBI Cards FY26 score 80.2, up 0.579.7.Intimation Under Regulation 30 Of The SEBI (LODR) Regulations, 2015 -ESG Rating 3 Sep - SBI Cards received an ESG score of 66ESG Risk Assessments & Insights.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 2 Sep - SBI Cards held a one-on-one investor call with Bernstein on September 2, 2026.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 1 Sep - SBI Cards held a Morgan Stanley group call on September 1, 2026 with investors and analysts.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 1 Sep - One-on-one investor call with State Street Investment Management held on September 1, 2026.