SBI Cards and Payment Services Limited
SBI Cards and Payment Services Limited (SBICARD) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
sbicard.com(opens the company website in a new tab)Key metrics
Price as of 2026-09-02
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|
| Net Interest Income | 1,620 Cr | 1,680 Cr | 1,730 Cr | 1,751 Cr |
| Other income | 158 Cr | 158 Cr | 176 Cr | 226 Cr |
| Net operating income | 1,778 Cr | 1,839 Cr | 1,905 Cr | 1,977 Cr |
| Employee cost | 154 Cr | 161 Cr | 158 Cr | 184 Cr |
| Other expenses | 1,725 Cr | 1,739 Cr | 2,022 Cr | 2,032 Cr |
| Provisions & contingencies | — | — | — | — |
| Depreciation | -2 Cr | 35 Cr | 35 Cr | 34 Cr |
| Profit before tax | 719 Cr | 748 Cr | 600 Cr | 749 Cr |
| Tax % | 25.7% | 25.7% | 25.8% | 25.7% |
| Net profit | 534 Cr | 556 Cr | 445 Cr | 557 Cr |
| EPS (₹) | ₹5.62 | ₹5.84 | ₹4.67 | ₹5.85 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2025 | TTM |
|---|---|---|
| Net Interest Income | 6,169 Cr | Sign in for TTM |
| Other income | 565 Cr | Sign in for TTM |
| Net operating income | 6,734 Cr | Sign in for TTM |
| Employee cost | 590 Cr | Sign in for TTM |
| Other expenses | 6,637 Cr | Sign in for TTM |
| Provisions & contingencies | — | Sign in for TTM |
| Depreciation | 147 Cr | Sign in for TTM |
| Profit before tax | 2,581 Cr | Sign in for TTM |
| Tax % | 25.7% | Sign in for TTM |
| Net profit | 1,916 Cr | Sign in for TTM |
| EPS (₹) | ₹20.15 | Sign in for TTM |
| Dividend payout % | 15.0% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 |
|---|---|
| Equity capital | 951 Cr |
| Reserves | 12,830 Cr |
| Borrowings | 44,947 Cr |
| Other liabilities | 6,817 Cr |
| Total liabilities | 65,546 Cr |
| Fixed assets (net) | 227 Cr |
| CWIP | 0.15 Cr |
| Investments | 6,235 Cr |
| Loans & advances | 53,935 Cr |
| Trade receivables | 236 Cr |
| Cash & bank | 2,538 Cr |
| Other assets | 2,376 Cr |
| Total assets | 65,546 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2025 |
|---|---|
| Cash from operating activity | -2,140 Cr |
| Cash from investing | -2,491 Cr |
| Cash from financing | 4,687 Cr |
| Net cash flow | 55 Cr |
| Free cash flow (OCF − Capex) | -2,196 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2025 |
|---|---|
| ROCE % | 9.8% |
| ROE % | 13.9% |
| Debtor days | 5 |
| Inventory days | 0 |
| Days payable | — |
| Cash conversion cycle | 5 |
| Debt / equity | 3.26 |
| Current ratio | — |
| Net debt / EBITDA | 7.94 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2025 |
|---|---|
| Gross NPA | — |
| Gross NPA % | — |
| Net NPA | — |
| Net NPA % | — |
| CET1 % | — |
| Additional Tier 1 % | — |
| Capital adequacy % | — |
| NIM % | — |
| ROA % | — |
Compare with peers
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