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SBI Cards AndPayment

₹860.8 -14.1 | 1.6%

Market Cap ₹81909 Cr.

Stock P/E 42.7

P/B 5.5

Current Price ₹860.8

Book Value ₹ 155.4

Face Value 10

52W High ₹1023.1

Dividend Yield 0.29%

52W Low ₹ 663.2

Edit Ratio

SBI Cards AndPayment Research see more...

Overview Inc. Year: 1998Industry: Finance - NBFC

SBI Cards and Payment Services Limited,NBFC, issues credit cards to individual and corporate customers in India. It acts as company insurance agent for selling coverage policies to credit card customers. The organisation additionally gives AURUM, Paytm, DMRC, BPCL, IRCTC, and SBI Elite and Prime Amex-SBI cards, as well as SimplySave and SimplyClick cards. SBI Cards and Payment Services Limited has a strategic partnership with American Express; and partnership settlement with Paytm, RuPay, and Delhi Metro Rail Corporation, in addition to collaboration with GooglePay and JioPay. The corporation was founded in 1998 and is situated in Gurugram, India. SBI Cards and Payment Services Ltd is a subsidiary company of SBI.

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SBI Cards AndPayment Share Price

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Peer Comparison

SBI Cards AndPayment Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 3912 4087 4622 4348 4359 4421 4619 4674 4877 4961
Other Income 134 134 120 127 124 135 148 158 158 176
Total Income 4046 4221 4742 4475 4483 4556 4767 4832 5035 5136
Total Expenditure 2631 2760 3258 2811 2867 3173 3372 3320 3439 3742
Operating Profit 1415 1461 1484 1664 1615 1383 1395 1512 1596 1395
Interest Expense 571 605 695 724 767 788 829 795 813 760
Depreciation 48 47 51 52 49 50 49 -2 35 35
Profit Before Tax 797 809 738 888 799 545 518 719 748 600
Provision for Tax 203 206 189 226 205 141 134 184 192 155
Profit After Tax 593 603 549 662 594 404 383 534 556 445
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 593 603 549 662 594 404 383 534 556 445
Adjusted Earnings Per Share 6.2 6.4 5.8 7 6.3 4.3 4 5.6 5.8 4.7

SBI Cards AndPayment Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 1820 2387 3346 5187 6999 9276 9296 10677 13667 16968 18072 19131
Other Income 86 106 125 183 288 476 417 1181 619 515 565 640
Total Income 1905 2493 3471 5370 7287 9752 9714 11858 14286 17484 18637 19770
Total Expenditure 1256 1521 1768 3066 4588 6230 6866 8034 8807 10742 11966 13873
Operating Profit 649 972 1703 2305 2699 3522 2847 3824 5478 6741 6671 5898
Interest Expense 378 533 1127 1361 1308 1689 1400 1503 2284 3313 3944 3197
Depreciation 1 1 5 24 55 104 123 149 164 197 147 117
Profit Before Tax 271 438 572 919 1335 1730 1324 2172 3031 3232 2581 2585
Provision for Tax 4 154 199 318 470 485 339 556 772 824 664 665
Profit After Tax 267 284 373 601 865 1245 985 1616 2258 2408 1916 1918
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 267 284 373 601 865 1245 985 1616 2258 2408 1916 1918
Adjusted Earnings Per Share 3.4 3.6 4.7 7.7 10.3 13.3 10.5 17.1 23.9 25.3 20.1 20.1

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 7% 19% 14% 26%
Operating Profit CAGR -1% 20% 14% 26%
PAT CAGR -20% 6% 9% 22%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 24% 2% 1% NA%
ROE Average 15% 21% 21% 25%
ROCE Average 12% 14% 13% 15%

SBI Cards AndPayment Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 966 1155 1449 2353 3588 5341 6302 7753 9830 12084 13782
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 241 341 563 1771 3232 4733 5019 7487 7967 7898 6483
Current Liability 5019 6339 8751 11551 13152 15095 15561 19249 27560 37995 45071
Other Liabilities & Provisions -67 -45 -127 -78 11 -137 -265 -59 -58 -160 -233
Total Liabilities 6158 7790 10636 15598 19983 25032 26618 34430 45299 57817 65103
Loans 433 548 9983 14046 17909 22812 23459 30187 39361 49079 53935
Investments 0 0 0 0 1 1 334 419 1572 2504 4228
Fixed Assets 2 2 24 242 196 311 308 439 551 542 320
Other Loans 103 45 32 64 65 32 72 61 31 22 29
Other Non Current Assets 0 0 0 124 27 40 10 14 23 22 10
Current Assets 5620 7196 597 1123 1784 1836 2434 3309 3761 5647 6581
Total Assets 6158 7790 10636 15598 19983 25032 26618 34430 45299 57817 65103

SBI Cards AndPayment Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 162 291 274 283 312 734 516 643 758 990 2482
Cash Flow from Operating Activities -879 -1158 -2235 -2877 -2327 -4063 692 -4391 -6671 -5653 -2140
Cash Flow from Investing Activities 1 1 -1 -31 -76 -77 -997 -538 -921 -1255 -2491
Cash Flow from Financing Activities 1008 1141 2244 2935 2824 3923 432 5045 7824 8401 4687
Net Cash Inflow / Outflow 130 -17 9 26 422 -218 127 115 232 1492 55
Closing Cash & Cash Equivalent 291 274 283 473 734 516 643 758 990 2482 2538

SBI Cards AndPayment Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 3.4 3.62 4.75 7.66 10.33 13.26 10.47 17.14 23.87 25.32 20.14
CEPS(Rs) 3.41 3.63 4.81 7.97 10.99 14.36 11.78 18.71 25.6 27.39 21.69
DPS(Rs) 0.5 1 1 0 1 1 0 2.5 2.5 2.5 2.5
Book NAV/Share(Rs) 12.3 14.71 18.46 28.76 41.72 56.69 66.54 81.69 103.48 126.94 144.7
Net Profit Margin 14.66 11.89 11.14 11.59 12.36 13.42 10.59 15.14 16.53 14.19 10.6
Operating Margin 35.63 40.7 50.76 43.96 37.77 36.85 29.3 34.42 38.89 38.57 36.1
PBT Margin 14.87 18.36 17.08 17.72 19.08 18.65 14.24 20.34 22.17 19.05 14.28
ROA(%) 4.78 4.07 4.05 4.58 4.86 5.53 3.81 5.29 5.67 4.67 3.12
ROE(%) 31.16 26.77 28.64 32.43 30.08 28.24 17 23.15 25.82 22.03 14.83
ROCE(%) 13.09 15.24 20.22 19.42 17.11 17.07 11.56 13.38 14.83 14.09 11.79
Price/Earnings(x) 0 0 0 0 0 46.65 88.78 49.71 30.98 26.95 43.79
Price/Book(x) 0 0 0 0 0 10.91 13.97 10.43 7.15 5.38 6.1
Dividend Yield(%) 0 0 0 0 0 0.16 0 0.29 0.34 0.37 0.28
EV/Net Sales(x) 2.85 2.7 2.62 2.26 1.94 8.08 11.25 9.57 7.3 6.01 6.98
EV/Core EBITDA(x) 8 6.62 5.15 5.09 5.04 21.28 36.73 26.73 18.2 15.14 18.91
Interest Earned Growth(%) 26.65 31.16 40.19 55.01 34.94 32.54 0.22 14.85 28 24.16 6.51
Net Profit Growth -9.01 6.45 31.33 61.23 43.89 43.92 -20.91 64.16 39.74 6.62 -20.41
EPS Growth(%) -9.01 6.45 31.33 61.23 34.91 28.32 -21.04 63.69 39.32 6.07 -20.44
Interest Coverage(x) % 1.72 1.82 1.51 1.68 2.02 2.02 1.95 2.44 2.33 1.98 1.65

SBI Cards AndPayment Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 68.96 68.94 68.75 68.63 68.62 68.61 68.6 68.6 68.59 68.59
FII 9.48 9.09 9.35 8.59 8.73 9.18 9.51 9.88 10.22 10.1
DII 17.18 17.29 16.28 16.69 16.53 16.75 16.48 17.22 17.51 17.76
Public 4.38 4.69 5.61 6.1 6.12 5.47 5.41 4.3 3.68 3.55
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has a good return on equity (ROE) track record: 3 Years ROE 21%
  • Company has reduced debt.

Cons

  • Stock is trading at 5.5 times its book value.
  • The company has delivered a poor profit growth of 9% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

SBI Cards AndPayment News

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