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SBICARD · NSE

SBI Cards and Payment Services Limited

₹651.15

+2.23% (+₹14.2)

Prev. close

₹636.95

Volume

32,42,132

Delivery %

68.6%

As of

18 Sept 2026

Price history

₹651.15+₹70.45 (+12.13%) · 3M
10 Jun 2026 → 18 Sept 2026
₹674.65₹568.2510 Jun03 Jul03 Aug26 Aug18 Sept
Daily closes · updates after each session

No analyst calls on this stock in the last 90 days yet.

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Analyst opinions

No analyst calls on SBI Cards and Payment Services Limited in the last 90 days.

Fundamentals

About SBI Cards and Payment Services Limited

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.

Details

Sector

Financial Services

Industry

Credit Services

CEO

Ms. Rashmi Mohanty

Headquarters

Gurugram

Employees

4,218

Key stats

Market cap

₹61,966.24 Cr

P/E ratio (TTM)

27.3

Dividend yield

0.39%

EPS (TTM)

₹23.89

Beta (1Y · daily vs NIFTY 50)

1.23

Beta (5Y · monthly vs NIFTY 50)

0.99

Shares float

29.91 Cr

EPS · quarter ended Jun 2026

₹6.98

Upcoming earnings

22 Oct 2026

Financial Performance

01 · Financials

0 Cr5000 Cr10000 Cr15000 Cr20000 Cr₹0%5%10%15%20%FY21FY22FY23FY24FY25FY26
RevenueNet incomeEBITDARevenue growth YoY

FY21 growth needs FY20 filings, which the data source doesn't provide.

02 · Earnings Per Share (EPS)

0102030₹FY21FY22FY23FY24FY25FY26

03 · Dividend Profile

0123₹0%50%100%150%15 May 2030 Mar 2229 Mar 2328 Mar 2425 Feb 2511 Mar 26
Dividend (₹/share)Annualised yieldAnnual dividend growth (FY)

Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.

04 · Operating Efficiency (Growth Rates)

Balance-sheet-based · pre-FY23 not filed in verifiable form

-50%-25%0%25%50%FY21FY22FY23FY24FY25FY26
SalesFixed assets

05 · Capital Structure & Asset Utilization

Pre-FY23 not filed in verifiable form

0 Cr25000 Cr50000 Cr75000 Cr₹0×1×2×3×4×FY21FY22FY23FY24FY25FY26
Total assetsTotal debtDebt / equityAsset turnover

Asset turnover needs a prior year of assets — omitted for the earliest available year.

06 · Asset Base Composition

Pre-FY23 not filed in verifiable form

0 Cr200 Cr400 Cr600 Cr₹FY21FY22FY23FY24FY25FY26

07 · Debt Level & Coverage

Pre-FY23 not filed in verifiable form

-50000 Cr0 Cr50000 Cr₹FY21FY22FY23FY24FY25FY26
DebtFree cash flowCash & equivalents

08 · Profit & Loss

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹9,277.48 Cr₹10,677.27 Cr₹10,677.63 Cr₹12,751.20 Cr₹14,267.85 Cr₹15,626.93 Cr
EBITDA₹2,490.39 Cr₹3,348.04 Cr₹4,842.01 Cr₹6,023.78 Cr₹5,905.90 Cr₹6,121.02 Cr
₹984.52 Cr₹1,616.14 Cr₹2,258.47 Cr₹2,407.88 Cr₹1,916.41 Cr₹2,166.71 Cr
Diluted EPS₹10.38₹17.02₹23.8₹25.37₹20.14₹22.77

09 · Balance Sheet

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹27,012.86 Cr₹34,648.43 Cr₹45,545.56 Cr₹58,171.23 Cr₹65,545.80 Cr₹66,327.79 Cr
Total debt——₹31,531.09 Cr₹40,314.70 Cr₹45,170.68 Cr₹44,230.27 Cr
Stockholders' equity₹6,302.03 Cr₹7,752.70 Cr₹9,830.05 Cr₹12,084.03 Cr₹13,781.72 Cr₹15,725.50 Cr

Receivables (trade + unbilled), Trade receivables, Unbilled receivables (contract assets), Cash & equivalents, Total debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated. Inventory shows ₹0 for 2023-03-31, 2024-03-31, 2025-03-31, 2026-03-31 — a real filed figure, not a gap: positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies). 2021-03-31, 2022-03-31 have no Inventory figure at all reaching this deck yet — not verified as zero, not verified as positive — so they are left blank rather than assumed to match the filed zero.

Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.

10 · Cash Flow Statement

Annual

Line itemFY21FY22FY23FY24FY25FY26
₹692.32 Cr₹-4,391.46 Cr₹-6,670.52 Cr₹-5,653.38 Cr₹-2,140.46 Cr₹493.03 Cr
Investing cash flow₹-996.78 Cr₹-538.12 Cr₹-921.44 Cr₹-1,254.93 Cr₹-2,490.57 Cr₹245.47 Cr
₹431.75 Cr₹5,044.54 Cr₹7,823.58 Cr₹8,401.17 Cr₹4,686.51 Cr₹-1,172.36 Cr
Capital expenditure₹-1,461.52 Cr₹-3,861.47 Cr₹-93.40 Cr₹-74.49 Cr₹-55.76 Cr₹-33.64 Cr
End cash position₹643.20 Cr₹758.16 Cr₹989.79 Cr₹2,482.05 Cr₹2,537.53 Cr₹2,103.67 Cr

Debt issued, Debt repaid have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.

Annual only — the data source has no quarterly cash-flow-statement coverage.

11 · Shareholding Pattern

NSE, quarterly

Line itemSep 21Dec 21Mar 22Jun 22Sep 22Dec 22Mar 23Jun 23Sep 23Dec 23Mar 24Jun 24Sep 24Dec 24–Mar 25(2Q)Jun 25–Sep 25(2Q)Dec 25Mar 26Jun 26
Promoter69.37%69.47%69.59%69.64%69.41%69.05%69.02%68.96%68.94%68.75%68.63%68.62%68.61%68.60%68.59%68.58%68.92%68.86%
Public30.63%30.53%30.41%30.36%30.59%30.95%30.98%31.04%31.06%31.25%31.37%31.38%31.39%31.40%31.41%31.42%31.08%31.14%
Employee trusts0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.

12 · Peer Comparison

Financial Services

Company
HDFC Bank Limited₹11.27 L Cr₹73116.21.388.6%0.81+4.7%-25.2%
ICICI Bank Limited₹9.75 L Cr₹1,347.617.62.6914.9%0.57+9.1%-5.0%
State Bank of India₹9.16 L Cr₹996.210.61.5414.0%1.22+9.2%+16.6%
Bajaj Finance Limited₹6.31 L Cr₹1,040.331.15.5416.7%3.10+19.7%+4.4%
Life Insurance Corporation Of India₹5.06 L Cr₹407.78.42.8732.5%—+8.7%-54.2%
Kotak Mahindra Bank Limited₹4.08 L Cr₹41520.52.2510.6%0.53-0.3%-79.5%
Axis Bank Limited₹3.86 L Cr₹1,24014.01.8012.3%1.30+4.0%+10.1%
Bajaj Finserv Limited₹2.98 L Cr₹1,852.529.43.8212.6%4.64+13.6%-10.5%
Shriram Finance Limited₹2.34 L Cr₹1,01017.63.5515.2%2.76+13.9%+61.1%
SBI Life Insurance Company Limited₹1.77 L Cr₹1,73168.09.2912.9%—-4.3%-5.0%
ICICI Prudential Asset Management Company Limited₹1.53 L Cr₹3,09843.836.5779.1%—+23.1%—
SBI Cards and Payment Services Limited₹60,614.91 Cr₹651.1526.63.8513.8%2.81+9.5%-27.0%

Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.

Documents

IPO documents

Annual reports

Show all 7

Concall transcripts

Show all 12

Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.

Index membership

37 indices

Nifty MidSmall Financial Services· 1.7%Nifty Financial Services Ex-Bank· 1.1%BSE Diversified Financials Revenue Growth Index· 0.9%Nifty Midcap 50· 0.8%Nifty Midcap 100· 0.6%BSE 200 EQUAL WEIGHT INDEX· 0.5%Nifty500 Low Volatility 50· 0.5%Nifty Midcap 150· 0.5%Nifty Financial Services· 0.4%Nifty Financial Services 25/50· 0.4%BSE 150 MidCap Index· 0.4%Nifty Rural· 0.4%

NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.

SBICARD

SBI Cards and Payment Services Limited Approves Interim Dividend for the Financial Year Ended March 31, 2026

SBI Cards and Payment Services Limited approved an interim dividend for the financial year ending March 31, 2026. The India-based company provides a wide range of credit card services to individual and corporate clients, with approximately 20 million cards issued.

18 days ago·Read at marketscreener.com
SBICARD

SBI Cards and Payment Services - 14 midcap stocks crash up to 55% from their peaks. Are you holding any?

The Economic Times · 24 days ago