SBICARD

SBI Cards and Payment Services Limited

SBI's credit card NBFC — issuing and managing cards for individuals and companies

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

sbicard.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹564.20
Market cap
53,707 Cr
Stock P/E
23.6
P/B
3.42
Dividend yield
0.4%
ROE (FY26)
13.8%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

SBI Card (SBI Cards and Payment Services) is a non-bank lender that issues credit cards in India and earns from interest on card balances and from fees.

Company snapshot

7thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income1,297 Cr1,387 Cr1,415 Cr—1,502 Cr1,570 Cr1,620 Cr1,680 Cr1,730 Cr1,751 Cr1,668 Cr1,676 Cr
Other income134 Cr120 Cr127 Cr124 Cr135 Cr148 Cr158 Cr158 Cr176 Cr226 Cr253 Cr165 Cr
Net operating income1,431 Cr1,507 Cr1,542 Cr124 Cr1,637 Cr1,718 Cr1,778 Cr1,839 Cr1,905 Cr1,977 Cr1,921 Cr1,841 Cr
Employee cost148 Cr144 Cr132 Cr134 Cr149 Cr152 Cr154 Cr161 Cr158 Cr184 Cr158 Cr207 Cr
Other expenses1,430 Cr1,679 Cr1,478 Cr1,486 Cr1,664 Cr1,763 Cr1,725 Cr1,739 Cr2,022 Cr2,032 Cr1,961 Cr1,986 Cr
Provisions & contingencies————————————
Depreciation47 Cr51 Cr52 Cr49 Cr50 Cr49 Cr-2 Cr35 Cr35 Cr34 Cr32 Cr31 Cr
Profit before tax809 Cr738 Cr888 Cr799 Cr545 Cr518 Cr719 Cr748 Cr600 Cr749 Cr816 Cr893 Cr
Tax %25.5%25.6%25.4%25.6%25.8%26.0%25.7%25.7%25.8%25.7%25.3%25.6%
Net profit603 Cr549 Cr662 Cr594 Cr404 Cr383 Cr534 Cr556 Cr445 Cr557 Cr609 Cr664 Cr
EPS (₹)₹6.37₹5.78₹6.97₹6.25₹4.25₹4.03₹5.62₹5.84₹4.67₹5.85₹6.40₹6.98

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income——3,540 Cr3,884 Cr3,839 Cr4,505 Cr5,332 Cr6,169 Cr6,830 CrSign in free for the trailing twelve months
Other income183 Cr288 Cr476 Cr436 Cr624 Cr619 Cr515 Cr565 Cr808 CrSign in free for the trailing twelve months
Net operating income183 Cr288 Cr4,016 Cr4,320 Cr4,463 Cr5,124 Cr5,847 Cr6,734 Cr7,638 CrSign in free for the trailing twelve months
Employee cost193 Cr379 Cr468 Cr492 Cr473 Cr562 Cr570 Cr590 Cr661 CrSign in free for the trailing twelve months
Other expenses2,712 Cr—6,149 Cr6,670 Cr4,200 Cr5,351 Cr5,960 Cr6,637 Cr7,750 CrSign in free for the trailing twelve months
Provisions & contingencies—————————Sign in free for the trailing twelve months
Depreciation24 Cr55 Cr104 Cr123 Cr149 Cr164 Cr197 Cr147 Cr136 CrSign in free for the trailing twelve months
Profit before tax919 Cr1,335 Cr1,730 Cr1,324 Cr2,172 Cr3,031 Cr3,232 Cr2,581 Cr2,913 CrSign in free for the trailing twelve months
Tax %34.6%35.2%28.0%25.6%25.6%25.5%25.5%25.7%25.6%Sign in free for the trailing twelve months
Net profit601 Cr865 Cr1,245 Cr985 Cr1,616 Cr2,258 Cr2,408 Cr1,916 Cr2,167 CrSign in free for the trailing twelve months
EPS (₹)₹7.40₹9.45₹13.35₹10.48₹17.16₹23.92₹25.39₹20.15₹22.77Sign in free for the trailing twelve months
Dividend payout %———9.5%0.0%9.4%15.1%15.0%10.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital785 Cr837 Cr939 Cr941 Cr943 Cr946 Cr951 Cr951 Cr952 Cr
Reserves1,568 Cr2,751 Cr4,402 Cr5,362 Cr6,810 Cr8,884 Cr11,133 Cr12,830 Cr14,774 Cr
Borrowings——17,365 Cr18,068 Cr22,982 Cr31,110 Cr39,891 Cr44,947 Cr44,064 Cr
Other liabilities13,333 Cr16,558 Cr2,597 Cr2,643 Cr3,913 Cr4,606 Cr6,196 Cr6,817 Cr6,539 Cr
Total liabilities15,686 Cr20,146 Cr25,303 Cr27,013 Cr34,648 Cr45,546 Cr58,171 Cr65,546 Cr66,328 Cr
Fixed assets (net)42 Cr132 Cr64 Cr218 Cr39 Cr448 Cr438 Cr227 Cr158 Cr
CWIP13 Cr4 Cr11 Cr0.49 Cr0.49 Cr6 Cr0.10 Cr0.15 Cr0.02 Cr
Investments——1 Cr958 Cr1,297 Cr2,140 Cr3,519 Cr6,235 Cr6,374 Cr
Loans & advances——22,812 Cr23,459 Cr30,187 Cr39,361 Cr49,079 Cr53,935 Cr54,984 Cr
Trade receivables23 Cr149 Cr54 Cr57 Cr168 Cr142 Cr243 Cr236 Cr283 Cr
Cash & bank312 Cr734 Cr515 Cr643 Cr758 Cr990 Cr2,482 Cr2,538 Cr2,104 Cr
Other assets15,296 Cr19,128 Cr1,845 Cr1,677 Cr2,198 Cr2,459 Cr2,410 Cr2,376 Cr2,425 Cr
Total assets15,686 Cr20,146 Cr25,303 Cr27,013 Cr34,648 Cr45,546 Cr58,171 Cr65,546 Cr66,328 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-2,877 Cr-2,327 Cr-4,067 Cr692 Cr-4,391 Cr-6,671 Cr-5,452 Cr-2,140 Cr493 Cr
Cash from investing-31 Cr-76 Cr-73 Cr-997 Cr-538 Cr-921 Cr-1,457 Cr-2,491 Cr245 Cr
Cash from financing2,935 Cr2,824 Cr3,922 Cr432 Cr5,045 Cr7,824 Cr8,401 Cr4,687 Cr-1,172 Cr
Net cash flow26 Cr422 Cr-218 Cr127 Cr115 Cr232 Cr1,492 Cr55 Cr-434 Cr
Free cash flow (OCF − Capex)-2,913 Cr-2,423 Cr-4,145 Cr635 Cr-4,491 Cr-6,764 Cr-5,526 Cr-2,196 Cr459 Cr

Ratios

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %25.5%24.1%23.3%15.6%20.8%23.0%19.9%13.9%13.8%
Debt / equity——3.252.872.963.163.303.262.80