# SBI Cards and Payment Services Ltd (SBICARD)
> Exchange: NSE | Sector: NBFC & Finance | ISIN: 

## Price
Current Price: ₹630.3
Day Change: +1.63%
52W High: ₹1027.25
52W Low: ₹612.1
Market Cap: ₹58,823 Cr

## Valuation
P/E: 27.12
P/B: 3.74
EPS: ₹22.79
Book Value: ₹165.18
Dividend Yield: 0.4%

## Returns
1Y Return: -30.25%

## Profitability
ROE: 14.69%
ROCE: 0%
Debt/Equity: 2.8
Revenue Growth: 18.6%
Profit Growth: 13.9%
EBITDA Margin: 0%
Operating Margin: 26.12%

## About
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.
Sector: NBFC & Finance
Industry: Credit Services
Sub Industry: NBFC — Diversified

## Business Model
Overview: 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.
Source: Derived from stock data
Revenue Streams:
- Core Business
- Other Segments
- Exports
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Business Segments:
- Core Business: 75% of tracked revenue, equal to ₹13,523 Cr. | 75% | ₹13,523 Cr
- Other Segments: 35% of tracked revenue, equal to ₹6,311 Cr. | 35% | ₹6,311 Cr
- Exports: -10% of tracked revenue, equal to ₹-1,803 Cr. | -10% | ₹-1,803 Cr
Recent Context:
- Announcement: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
- Announcement: Compliances-Reg.24(A)-Annual Secretarial Compliance
- BSE Filing: Compliances-Reg.24(A)-Annual Secretarial Compliance

## Access
Current tier: anonymous
More history: Register free to see 19 more years.

## Data Freshness
Quote Updated: 2026-05-25T16:00:08.172Z
Price History Updated: 2026-05-25T05:26:31.142Z
Latest Price History Date: 2026-05-24
Technicals Updated: 2026-05-25T05:26:31.142Z
Quant Updated: 2026-05-25T05:26:31.142Z
Sentiment Updated: 2026-05-25T05:26:31.142Z
Financials Status: current
Financials Updated: 2026-05-18T05:30:13.682Z
Financials Last Attempt: 2026-05-18T05:30:13.682Z
Financials Provider Tried: yahoo
Latest P&L Period: FY26
Latest Balance Sheet Period: FY26
Latest Cash Flow Period: FY26

## P&L (FY26)
Revenue: ₹16423.18 Cr
Operating Profit: ₹0 Cr (OPM 0%)
Net Profit: ₹2166.71 Cr
Tax: ₹746.48 Cr

## Annual P&L History
FY26: Rev ₹16423.18Cr | PAT ₹2166.71Cr | OPM 0%
FY25: Rev ₹14825.51Cr | PAT ₹1916.41Cr | OPM 0%
FY24: Rev ₹12751.2Cr | PAT ₹2407.88Cr | OPM 0%

## Balance Sheet (FY26)
Total Assets: ₹66327.79 Cr
Total Liabilities: ₹50602.29 Cr
Borrowings: ₹44063.73 Cr
Cash: ₹2319.78 Cr

## Shareholding
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## Board
- Rashmi  Mohanty, Executive VP & CFO
- Pradeep K. Singh Khurana, Chief Information & Digital Officer and Executive VP
- Mohit  Kapoor, Executive VP & Head of Legal
- Girish  Budhiraja, Executive VP and Chief Sales & Marketing Officer
- Manish  Dewan, Executive VP & Head of Customer Services

## Highlights
- Strong revenue growth of 16% CAGR over 5 years
- ROE of 14.7% indicates efficient capital allocation

## Concerns
- Debt-to-equity ratio needs monitoring amid expansion plans
- Promoter holding has seen slight decline in recent quarters

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Source: rupiya.io/stocks/sbicard
Disclaimer: For research and education only. Not investment advice.