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SBI Cards and Payment Services Limited

Financial Services · Finance

NSE: SBICARD BSE: 543066
₹578.05
Sept. 30, 2026 · NSE · nse_bhavcopy

Peers in Finance

The largest companies in the same industry by market cap. This company ranks #15 of 510. PE, ROE, 1Y return and scores come from the daily/weekly precomputed snapshot.

CompanyMarket cap (₹ Cr)PE (TTM)ROE1Y returnDiv. yieldQualityValuationMomentum
Bajaj Finance Limited 597,318 — 16.5% -2.9% — 58 18 28
Bajaj Finserv Limited 277,055 — 14.0% -13.8% — 28 81 25
Shriram Finance Limited 231,221 — 15.2% 51.5% — 48 50 29
Jio Financial Services Limited 143,209 — 1.2% -27.7% 0.28% 4 99 9
Tata Capital Limited 139,210 — — — — — 61 28
Cholamandalam Investment and Finance Company Limited 138,119 — 17.2% 0.9% — 50 29 25
Bajaj Holdings & Investment Limited 120,064 — 11.9% -10.1% 1.34% 80 91 31
Muthoot Finance Limited 109,886 — 26.7% -13.0% 1.10% 71 65 13
SBI Cards and Payment Services Limited (this stock) 55,008 — — -34.0% 0.43% — 50 10

Quarterly Financials

Period endRevenue (₹ Cr)PBT (₹ Cr)Net profit (₹ Cr)Basic EPS
June 30, 2026 5,041 893 664 ₹
March 31, 2026 4,934 816 609 ₹
Dec. 31, 2025 5,127 749 557 ₹
Sept. 30, 2025 4,961 600 445 ₹
June 30, 2025 4,877 748 556 ₹
March 31, 2025 4,674 719 534 ₹
Dec. 31, 2024 4,619 518 383 ₹
Sept. 30, 2024 4,421 545 404 ₹
June 30, 2024 4,359 799 594 ₹
March 31, 2024 4,348 888 662 ₹
Dec. 31, 2023 4,622 738 549 ₹
Sept. 30, 2023 4,087 809 603 ₹
June 30, 2023 3,912 797 593 ₹

Annual Financials

Year endedRevenue (₹ Cr)PBT (₹ Cr)Net profit (₹ Cr)
March 31, 2026 19,900 2,913 2,167
March 31, 2025 18,072 2,581 1,916
March 31, 2024 16,968 3,232 2,408
March 31, 2023 13,667 3,031 2,258

Annual income statement (standalone, ₹ Cr; CAGR to the latest year)

IndicatorCAGR 3YCAGR 5YMar 26Mar 25Mar 24Mar 23
Total income (before exceptional items) — — ————
Operating revenue 13.3% — 19,90018,07216,96813,667
Other income — — ————
Operating expenses — — ————
Operating profit — — ————
Operating profit margin — — ————
Depreciation — — ————
Interest — — ————
Exceptional items, gain / (loss) — — ————
Profit before tax -1.3% — 2,9132,5813,2323,031
Tax — — ————
Net profit -1.4% — 2,1671,9162,4082,258
EPS — — ————

† Derived: the sum of that fiscal year's four quarterly filings (a real annual filing is used wherever one exists). Checked against filed annual figures, the sum lands within 0.5% for about 94% of company-years.

Annual ratios (standalone)

RatioMar 26Mar 25Mar 24Mar 23
Operating margin————
EBIT margin————
PBT margin14.6%14.3%19.0%22.2%
Net margin10.9%10.6%14.2%16.5%
Interest coverage————
Dividend payout————
Earnings retention————
Current ratio————
Quick ratio————
Debt to equity————
Return on equity13.8%13.9%——
Return on assets3.3%2.9%——
Return on capital employed————
Asset turnover0.30x0.28x——

Margins and asset turnover use operating revenue (interest earned for banks, excluding other income), not total income. Liquidity, leverage and return ratios need a filed standalone balance sheet, which exists only for recent years; returns use year-end equity/assets. Dividend payout is shown only for companies with a dividend record. † = built from a summed fiscal year.

Revenue Mix

Data unavailable.

Cash Flow

Year endedOperating (₹ Cr)Investing (₹ Cr)Financing (₹ Cr)Capex (₹ Cr)Free Cash Flow (₹ Cr)
March 31, 2026 493 245 -1,172 34 459
March 31, 2025 -2,140 -2,491 4,687 56 -2,196
March 31, 2024 -5,452 -1,457 8,401 74 -5,526
March 31, 2023 -6,671 -921 7,824 93 -6,764
March 31, 2022 -4,391 -538 5,045 100 -4,491

Balance Sheet (standalone)

Year endedTotal Assets (₹ Cr)Total Equity (₹ Cr)Reserves (₹ Cr)Borrowings, Current (₹ Cr)Borrowings, Non-current (₹ Cr)Current Assets (₹ Cr)Current Liabilities (₹ Cr)Cash & Equivalents (₹ Cr)Net Block (₹ Cr)Inventory (₹ Cr)
March 31, 2026 66,328 15,726 14,774 — — — — 2,104 158 0
March 31, 2025 65,546 13,782 12,830 — — — — 2,538 227 0
March 31, 2024 — — — — — — — — — —
March 31, 2023 — — — — — — — — — —
March 31, 2022 — — — — — — — — — —

Financial charts

Trend charts drawn from the standalone income-statement and ratio tables above (oldest year on the left); a gap means that period has no figure. Annual years marked † in the tables are derived from four quarters.