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SBI Cards And Payment is a leading Indian company in the Financial Services space, listed on the NSE. The company is a key player in the NBFC — Diversified segment with a strong market position and diversified operations.
SBI Cards and Payment Services Ltd makes money through Core Business, Other Segments, Exports in NBFC — Diversified. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within NBFC & Finance.
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| Metric | 1 Year | 3 Years | 5 Years | 10 Years |
|---|---|---|---|---|
| Sales | — | — | — | — |
| Profit | — | — | — | — |
| Stock Price | — | — | — | — |
| ROE | — | — | — | — |
| Period | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | FY09 | FY08 | FY07 | FY06 | FY05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹16,423 Cr | ₹14,826 Cr | ₹12,751 Cr |
| Quarter | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q1 FY24 | Q4 FY23 | Q3 FY23 | Q2 FY23 | Q1 FY23 | Q4 FY22 | Q3 FY22 | Q2 FY22 | Q1 FY22 | Q4 FY21 | Q3 FY21 | Q2 FY21 | Q1 FY21 | Q4 FY20 | Q3 FY20 | Q2 FY20 | Q1 FY20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹4,193 Cr | ₹4,535 Cr | ₹4,767 Cr | ₹4,030 Cr | ||||||||||||||||||||
| Expenses | ₹3,474 Cr |
| Period | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity Capital | ₹952 Cr | ₹951 Cr | ₹951 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Period | Operating | Investing | Financing | Net Cash Flow |
|---|---|---|---|---|
| FY26 | ₹493 Cr | ₹245 Cr | ₹-1,172 Cr | ₹-434 Cr |
| FY25 | ₹-2,140 Cr | ₹-2,491 Cr | ₹4,687 Cr | ₹55 Cr |
| FY24 | ₹-5,653 Cr | ₹-1,255 Cr | ₹8,401 Cr | ₹1,492 Cr |
| FY23 | ||||
| FY22 | ||||
| FY21 | ||||
| FY20 |
| Ratio | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14.3% | 15.0% | 14.9% | — | — | — | — | — | — | — | — | — | — | — | — |
| ROCE % | 15.7% | 16.5% | 16.5% | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt/Equity | 0.4 | 0.5 | 0.5 | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | 9.1 | 11.2 | 8.8 | — | — | — | — | — | — | — | — | — |
| Year | Type | Amount (₹) |
|---|---|---|
| FY24 | Final | ₹7.43 |
| FY23 | Interim | ₹9.10 |
| FY22 | Final | ₹3.59 |
| FY21 | Interim | |
| FY20 | Interim | |
| FY19 | Interim |
No corporate actions recorded.
| Company | M.Cap | P/E | ROE | 1Y Return |
|---|---|---|---|---|
| Bajaj Finance Ltd | ₹5,66,107 Cr | 29.9 | +17.91% | -1.62% |
| Shriram Finance Ltd | ₹2,20,601 Cr | 17.6 | +16.38% | +14.11% |
| JIOFINANCIAL | ₹1,53,893 Cr | 96.7 | +1.21% | -12.76% |
| Indian Railway Finance Corporation Ltd | ₹1,29,378 Cr | 18.5 | +12.9% | -18.67% |
| HDFC Asset Management Company Ltd | ₹1,15,819 Cr | 40.7 | +32.93% | -1.40% |
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Deep-dive analysis of SBI Cards And Payment's competitive moat, management quality, and growth runway available with Premium.
Premium| Expenses | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Operating Profit | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| OPM % | 0.0% | 0.0% | 0.0% |
| Other Income | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Depreciation | ₹136 Cr | ₹147 Cr | ₹197 Cr |
| Interest | ₹3,072 Cr | ₹3,178 Cr | ₹2,589 Cr |
| Profit Before Tax | ₹2,913 Cr | ₹2,581 Cr | ₹3,232 Cr |
| Tax | ₹746 Cr | ₹664 Cr | ₹824 Cr |
| Net Profit | ₹2,167 Cr | ₹1,916 Cr | ₹2,408 Cr |
| EPS (₹) | 22.8 | 20.1 | 25.4 |
| Dividend Payout % | 0% | 0% | 0% |
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| ₹3,802 Cr |
| ₹3,986 Cr |
| ₹3,370 Cr |
| Operating Profit | ₹719 Cr | ₹733 Cr | ₹781 Cr | ₹660 Cr |
| OPM % | 17.2% | 16.2% | 16.4% | 16.4% |
| Depreciation | ₹126 Cr | ₹136 Cr | ₹143 Cr | ₹121 Cr |
| Interest | ₹84 Cr | ₹91 Cr | ₹95 Cr | ₹81 Cr |
| Net Profit | ₹503 Cr | ₹513 Cr | ₹547 Cr | ₹462 Cr |
| EPS (₹) | 96.9 | 92.7 | 94.9 | 91.9 |
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| Reserves | ₹14,774 Cr | ₹9,022 Cr | ₹7,728 Cr |
| Borrowings | ₹44,064 Cr | ₹45,171 Cr | ₹40,315 Cr |
| Other Liabilities | ₹6,539 Cr | ₹6,593 Cr | ₹5,773 Cr |
| Total Liabilities | ₹50,602 Cr | ₹51,764 Cr | ₹46,087 Cr |
| Assets |
| Fixed Assets | ₹158 Cr | ₹227 Cr | ₹438 Cr |
| Investments | ₹6,688 Cr | ₹6,235 Cr | ₹3,519 Cr |
| Receivables | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Inventory | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Cash & Equivalents | ₹2,320 Cr | ₹2,560 Cr | ₹2,508 Cr |
| Other Assets | ₹57,162 Cr | ₹56,524 Cr | ₹51,705 Cr |
| Total Assets | ₹66,328 Cr | ₹65,546 Cr | ₹58,171 Cr |
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| FY19 |
| FY18 |
| FY17 |
| FY16 |
| FY15 |
| FY14 |
| FY13 |
| FY12 |
| FY11 |
| FY10 |
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| — |
| — |
| — |
| Current Ratio | 1.8 | 1.5 | 1.6 | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | 1.3 | 1.1 | 1.2 | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | 14.2% | 16.1% | 16.4% | — | — | — | — | — | — | — | — | — | — | — | — |
| NPM % | 8.5% | 9.6% | 9.8% | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 14.8 | 15.5 | 13.9 | — | — | — | — | — | — | — | — | — | — | — | — |
| PEG Ratio | 1.3 | 1.3 | 1.3 | — | — | — | — | — | — | — | — | — | — | — | — |
| Asset Turnover | 1.0 | 1.0 | 1.3 | — | — | — | — | — | — | — | — | — | — | — | — |
| Inventory Turnover | 6.2 | 11.7 | 5.1 | — | — | — | — | — | — | — | — | — | — | — | — |
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