SBI Cards and Payment Services Limited share price

SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate, central travel, utility, and corporate purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited operates as a subsidiary of State Bank of India.Read more

Website NSE हिंदी में BSE

Financial ServicesCredit ServicesNifty 500 Nifty Midcap 150NSE: SBICARDISIN INE018E01016

16 Oct 2026, 3:29 PM IST₹564.20▼ 9.00 (1.57%)

Market Cap₹ 53,692 Cr.
Current Price₹ 564.20
High / Low₹ 965 / 548
Stock P/E23.6
Book Value₹ 165
Dividend Yield0.44 %
Price / Book3.42
ROE14.70 %
Face Value₹ 10.0

More figures (8)

EPS (TTM)₹ 23.90
Net margin13.9 %
Sales growth (5Y)16.5 %
Profit growth (5Y)17.1 %
Promoter holding68.6 %
EV / EBITDA—
Beta0.23
All-time high₹ 1,165

Price chart

Price on NSE 50 DMA 200 DMA Volume

Returns	1M	3M	6M	YTD	1Y	3Y CAGR	5Y CAGR
SBICARD	-8.72%	-12.47%	-17.71%	-34.52%	-39.65%	-10.98%	-13.15%
Nifty 50	-0.31%	-3.85%	-4.34%	-11.42%	-9.53%	+5.46%	+4.76%

Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.

Quick take

SBI Cards and Payment Services Limited is in the Credit Services industry (Financial Services), with a market value of ₹53,692 crore.
It trades at 23.6 times its last 12 months' earnings and 3.4 times book value.
Revenue grew 16.5% a year over the last 5 years, profit 17.1% a year.
Return on equity was 14.7% in the latest year.
The share price is 41.5% below its 52-week high and down 39.7% over one year.
Promoters and insiders hold about 68.6%; institutions about 25.2%.

Pros

Sales have grown 16.5% a year over the last 5 years.
Healthy return on equity of 17.2% on average over the last 3 years.
Trades at 23.6 times earnings, below its 3-year median of 31.3.
Promoters hold a large stake of 68.86%.

Cons

No standout weaknesses in the reported figures.

Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.

About SBI Cards and Payment Services Limited

Employees: 4,218
Head office: Gurugram
NSE industry: Financial Services

Financial ServicesFinancial ServicesCredit Services

Part ofNifty 500 Nifty Midcap 150

S.No.	Company	CMP ₹	P/E	Mar Cap ₹ Cr	Div Yld %	NP Qtr ₹ Cr	Qtr Profit Var %	Sales Qtr ₹ Cr	Qtr Sales Var %	ROCE %	ROE %	P/B	OPM %	Debt / Eq	Prom. Hold. %	Sales ₹ Cr	Sales Var 3Yrs %
1.	SBI Cards and Payment Services	564.20	23.6	53,692	0.44	664	19.51	5,041	3.36	—	14.7	3.42	—	2.81	68.58	19,900	16.5
2.	Bajaj Finance	982.10	29.4	6,11,250	0.56	6,081	27.60	23,165	18.65	—	18.1	5.36	—	3.10	56.50	81,982	22.6
3.	Shriram Finance	939.95	16.6	2,21,178	1.14	3,453	61.06	7,923	30.61	—	16.4	2.68	—	2.76	22.17	25,034	13.9
4.	Tata Capital	322.80	25.3	1,36,115	0.18	1,628	—	8,822	—	3.7	12.3	2.97	28.9	4.97	85.96	31,540	34.5
5.	Cholamandalam Investment and Finance Company	1,574.40	23.3	1,35,007	0.13	1,656	45.56	8,856	21.87	—	19.3	4.40	—	6.95	51.95	31,073	32.8
6.	Power Finance Corporation	333.25	4.2	1,09,976	4.56	8,998	0.18	28,527	-0.04	—	20.7	0.77	—	7.62	56.00	1,15,444	16.2
7.	Indian Railway Finance Corporation	80.25	14.2	1,04,875	2.66	1,958	-44.40	7,866	-40.80	3.8	12.8	1.85	64.8	7.69	82.90	27,285	4.6
8.	Muthoot Finance	2,598.30	9.2	1,04,314	1.15	2,799	38.83	5,236	27.38	—	30.9	2.57	—	3.86	73.35	20,265	38.0
9.	REC	307.80	5.1	81,051	4.39	4,193	-2.72	4,430	-31.54	—	20.0	0.96	—	6.05	52.65	21,834	14.4
10.	L&T Finance	253.85	18.6	63,625	1.05	902	41.86	3,086	32.29	—	11.1	2.26	—	3.94	65.95	10,635	17.7
	Median: 43 Co.	448.73	15.4	19,766	0.18	2,379	27.60	7,895	18.65	3.8	11.9	1.89	40.8	4.46	61.23	26,159	16.9

Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.

Quarterly Results

Standalone figures in ₹ crore

₹ Cr	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
	3,912	4,087	4,622	4,348	4,359	4,421	4,619	4,674	4,877	4,961	5,127	4,935	5,041
YOY Revenue Growth %	26.18%	23.97%	31.78%	15.56%	11.42%	8.16%	-0.07%	7.50%	11.89%	12.21%	11.01%	5.57%	3.36%
Interest	571	605	695	724	767	788	829	795	813	760	785	714	745
	2,678	2,807	3,309	2,863	2,917	3,223	3,420	3,318	3,474	3,777	3,819	3,658	3,568
Employee Cost %	4%	4%	3%	3%	3%	3%	3%	3%	3%	3%	4%	3%	4%
Fees & Commission %	10%	11%	12%	6%		3%	3%	4%	4%	5%	7%	8%	8%
Credit Cost %	18%	18%	19%	22%		27%	28%	27%	28%	26%	24%	22%	19%
Other Expenses %	35%	35%	36%	34%	34%	38%	38%	37%	36%	41%	40%	40%	39%
Financing Profit	662	675	618	761	675	410	370	561	590	424	523	563	728
Financing Margin %	17%	17%	13%	18%	15%	9%	8%	12%	12%	9%	10%	11%	14%
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
	26%	26%	26%	25%	26%	26%	26%	26%	26%	26%	26%	25%	26%
Current tax	215	231	244	245	227	201	160	165	210	178	192	171	246
Deferred tax	-11	-25	-55	-20	-22	-60	-26	19	-18	-23	0	35	-18
	593	603	549	662	594	404	383	534	556	445	557	609	664
YOY Profit Growth %	-5.36%	14.71%	7.78%	11.05%	0.19%	-32.93%	-30.20%	-19.35%	-6.47%	9.98%	45.25%	14.06%	19.51%
EPS in Rs	6.27	6.37	5.78	6.97	6.25	4.25	4.03	5.62	5.84	4.67	5.85	6.40	6.98
Raw filing

Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.

Profit & Loss

Standalone figures in ₹ crore

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	9,276	9,277	10,677	13,667	16,968	18,072	19,900	20,063
YOY Revenue Growth %		0.01%	15.09%	28.00%	24.16%	6.51%	10.11%
Interest	1,301	1,043	1,027	1,648	2,595	3,178	3,072	3,003
	6,722	7,346	8,102	9,607	11,656	12,878	14,723	14,821
Employee Cost %	5%	5%	4%	4%	3%	3%	3%	4%
Fees & Commission %			10%	10%	10%	4%	6%	7%
Credit Cost %			21%	16%	19%	27%	25%	23%
Other Expenses %	66%	72%	39%	39%	35%	37%	39%	40%
Financing Profit	1,254	888	1,548	2,412	2,717	2,016	2,105	2,239
Financing Margin %	14%	10%	14%	18%	16%	11%	11%	11%
Other Income	476	436	624	619	515	565	808	819
Depreciation	104	123	149	164	197	147	136	132
Profit before tax	1,730	1,324	2,172	3,031	3,232	2,581	2,913	3,058
	28%	26%	26%	25%	25%	26%	26%	26%
Current tax	596	463	383	799	931	753	752
Deferred tax	-111	-124	173	-27	-107	-89	-5
	1,245	985	1,616	2,258	2,408	1,916	2,167	2,275
YOY Profit Growth %		-20.91%	64.16%	39.74%	6.62%	-20.41%	13.06%
EPS in Rs	13.35	10.48	17.16	23.92	25.39	20.15	22.77	23.90
Dividend Payout %				9%	15%	15%	10%

Compounded Sales Growth

5 Years:: 16%
3 Years:: 13%
TTM:: 8%

Compounded Profit Growth

5 Years:: 17%
3 Years:: -1%
TTM:: 21%

Stock Price CAGR

5 Years:: -13%
3 Years:: -11%
1 Year:: -40%

Return on Equity

4 Years:: 19%
Last Year:: 15%

Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.

Balance Sheet

Consolidated figures in ₹ crore, as at 31 March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	946	951	951	952
Reserves	8,884	11,133	12,830	14,774
Borrowings	31,531	40,315	45,171	44,230
	4,184	5,773	6,593	6,372
Trade payables	1,395	1,508	1,593	1,714
Total Liabilities	45,546	58,171	65,546	66,328
	454	438	227	158
Gross block	768	833	627	632
Accumulated depreciation	314	395	400	474
Goodwill & intangibles	120	126	103	73
CWIP	6	0	0	0
Investments	2,140	3,519	6,235	6,374
	42,946	54,214	59,084	59,796
Cash & equivalents	1,016	2,508	2,560	2,133
Total Assets	45,546	58,171	65,546	66,328

Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.

Cash Flows

Consolidated figures in ₹ crore, financial years ending March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-6,671	-5,653	-2,140	493
Profit for the year	2,258	2,408	1,916	2,167
Working capital changes	-11,323	-18,193	-16,911	-14,955
Direct taxes paid	-764	-936	-750	-772
	-921	-1,255	-2,491	245
Fixed assets purchased	-93	-74	-56	-34
Fixed assets sold	0		0	0
Investments purchased	-3,705	-3,024	-4,775	-5,110
Investments sold	2,876	1,642	2,081	4,734
	7,824	8,401	4,687	-1,172
Proceeds from borrowings	11,045	10,940	7,939	2,000
Repayment of borrowings	-2,982	-2,150	-2,905	-2,892
Interest paid		-1	-1
Dividends paid	-213	-363	-287	-217
Net Cash Flow	232	1,492	55	-434
Free Cash Flow	-6,764	-5,728	-2,196	459

Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.

Ratios

Ratio	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE	—	23.0%	22.0%	14.8%	14.7%
Net margin	—	21.2%	18.9%	13.4%	13.9%

Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.

Shareholding Pattern

Numbers in percentages · as filed with NSE each quarter

Promoters 68.86%
FIIs 7.12%
DIIs 20.20%
Public 3.83%

%	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	68.75%	68.63%	68.62%	68.61%	68.60%	68.60%	68.59%	68.59%	68.58%	68.92%	68.86%	68.86%
	9.35%	8.59%	8.73%	9.18%	9.51%	9.88%	10.22%	10.10%	10.15%	9.54%	8.99%	7.12%
Foreign portfolio investors (Cat. I)	9.18%	8.42%	8.53%	8.85%	9.33%	9.62%	9.98%	9.88%	9.93%	9.35%	8.79%	7.10%
Foreign portfolio investors (Cat. II)	0.17%	0.17%	0.19%	0.33%	0.19%	0.26%	0.25%	0.22%	0.21%	0.19%	0.19%	0.02%
	16.28%	16.69%	16.53%	16.75%	16.48%	17.22%	17.51%	17.76%	17.85%	18.12%	18.13%	20.20%
Mutual funds	10.66%	9.95%	9.91%	9.89%	9.71%	9.66%	9.84%	10.07%	10.31%	10.65%	10.80%	13.00%
Insurance companies	5.11%	6.27%	6.34%	6.65%	6.45%	6.74%	6.74%	6.75%	6.59%	6.55%	6.56%	6.69%
Banks	0.02%			0.01%
Provident & pension funds	0.40%	0.39%	0.22%	0.15%	0.25%	0.32%	0.36%	0.38%	0.38%	0.43%	0.43%	0.42%
Alternative investment funds	0.08%	0.07%	0.07%	0.06%	0.06%	0.50%	0.56%	0.56%	0.56%	0.49%	0.34%	0.07%
	5.61%	6.09%	6.12%	5.47%	5.41%	4.30%	3.68%	3.55%	3.42%	3.42%	4.03%	3.83%
Retail (up to ₹2 lakh)	4.60%	4.89%	5.00%	4.40%	4.43%	3.57%	3.00%	2.86%	2.71%	2.66%	3.14%	3.02%
HNIs (above ₹2 lakh)	0.42%	0.39%	0.44%	0.40%	0.35%	0.24%	0.24%	0.24%	0.25%	0.21%	0.26%	0.26%
NRIs	0.21%	0.21%	0.22%	0.21%	0.22%	0.18%	0.16%	0.15%	0.14%	0.15%	0.16%	0.16%
Bodies corporate	0.21%	0.36%	0.21%	0.25%	0.21%	0.16%	0.15%	0.15%	0.18%	0.25%	0.28%	0.23%
No. of Shareholders	10,28,673	10,36,632	10,19,117	9,48,916	9,37,270	8,47,672	7,74,642	7,50,786	7,18,342	7,05,597	7,29,862	7,17,215

Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.

Mutual funds & institutions holding SBI Cards and Payment Services

Holder (above 1%)	Stake
ICICI Prudential Large & Mid Cap FundMutual fund	7.71%
Life Insurance Corporation Of India - P & Gs FundInsurance	6.11%
Nippon India Multi Cap FundMutual fund	2.16%
SBI LARGE & MIDCAP FUNDMutual fund	1.00%

As named in the shareholding pattern for Sep 2026 filed with NSE; mutual funds together hold 13.00% of the company. Shareholders below 1% are not named in the filing.

Documents

Announcements

All announcements on NSE →

Annual reports

Credit ratings

Concalls & investor meets

Filings made by the company with NSE; documents open on NSE's website.

Key dates

Results announced: 22 Oct 2026
Ex-dividend date: 11 Mar 2026
Latest quarter: 30 Jun 2026
Financial year end: 31 Mar 2026

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Latest news

In the news

From the company (NSE)

Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.

Questions about SBI Cards and Payment Services Limited

What is the share price of SBI Cards and Payment Services Limited today?

SBI Cards and Payment Services Limited (SBICARD) last traded at ₹564.20 on NSE (16 Oct 2026, 3:29 PM IST). Prices may be delayed.

What is the market cap of SBI Cards and Payment Services Limited?

About ₹53,692 crore at the latest price.

What is the P/E ratio of SBI Cards and Payment Services Limited?

About 23.6 times its earnings over the last 12 months.

Is SBI Cards and Payment Services Limited a good investment?

We do not give views on individual shares. Whether any share suits you depends on your goals, time horizon and risk appetite; for long-term goals, a diversified mutual fund is often a simpler way to own shares. Investments in securities markets are subject to market risks.

How can I buy SBI Cards and Payment Services Limited shares?

You need a trading and demat account with a SEBI-registered stock broker. We can help you open one through Parshvanath Investments, an Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539). We provide execution and account service only, not tips or research.

Important. Prices from NSE via Yahoo Finance. Quarterly and annual results, shareholding and documents are taken from the filings the company made with NSE; balance sheet, cash flow and valuation figures are compiled by Yahoo Finance; ratios are computed by us from them. Figures may be delayed or revised. This page is for information only: it is not research, a recommendation or an offer to buy or sell any security. Investments in securities markets are subject to market risks; read all related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934); share broking is offered through Parshvanath Investments, Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539).

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