SBI Cards & Payment Services Ltd

SBI Cards Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

SBI Cards & Payment Services Ltd

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sbicard.com BSE: 543066 NSE: SBICARD
About

SBI Cards and Payment Services Limited is a non-deposit accepting systemically important nonbanking financial company registered with the RBI. The Company is engaged in issuing credit cards to consumers in India. It is headquartered in Gurgaon, Haryana. It is a subsidiary of India’s largest commercial bank, the State Bank of India. [1][2][3]

Key Points

History
SBI Card was launched in 1998 by the State Bank of India and GE Capital. In December 2017, State Bank of India and The Carlyle Group acquired GE Capital`s stake in SBI Card.In March 2020, SBI Card became the first pure play credit card company to list on the stock exchanges in India. [1]

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  • Market Cap ₹ Cr.
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  • Dividend Yield %
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Pros

Cons

* 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE 500 BSE 200 BSE Dollex 200 Nifty 500 Nifty Midcap 100

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Quarterly Results

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Dividend Payout %
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Figures in Rs. Crores

Equity Capital
Reserves
Borrowing
Total Liabilities
CWIP
Investments
Total Assets

Cash Flows

Figures in Rs. Crores

Net Cash Flow
Free Cash Flow
CFO/OP

Ratios

Figures in Rs. Crores

ROE %

Insights

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Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
30-day Retail spend active rate
Percentage ・Standalone data

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Cards-in-force
Million ・Standalone data
Market Share - Cards-in-force
Percentage ・Standalone data
Receivables
INR Crores ・Standalone data
Total Spends
INR Crores ・Standalone data
Receivable per card
INR ・Standalone data
Interest Earning Receivables Mix (Revolver + EMI)
Percentage ・Standalone data
New Accounts Sourced
Lakhs ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
68.96% 68.94% 68.75% 68.63% 68.62% 68.61% 68.60% 68.60% 68.59% 68.59% 68.58% 68.92%
9.48% 9.08% 9.35% 8.59% 8.72% 9.18% 9.52% 9.88% 10.23% 10.10% 10.14% 9.54%
17.17% 17.28% 16.27% 16.68% 16.54% 16.76% 16.47% 17.22% 17.50% 17.76% 17.84% 18.12%
4.37% 4.69% 5.62% 6.09% 6.11% 5.46% 5.41% 4.30% 3.68% 3.56% 3.42% 3.42%
No. of Shareholders 9,67,5319,61,29610,28,67310,36,63210,19,1179,48,9169,37,2708,47,6727,74,6427,50,7867,18,3427,05,597

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls