SBI Cards & Payment Services Ltd

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

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sbicard.com BSE: 543066 NSE: SBICARD F&O
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.
  • Current Price ₹
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  • Book Value ₹
  • Dividend Yield %
  • ROCE %
  • ROE %
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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
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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
ROE %

Insights

In beta
Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
30-day Retail Spend Active Rate
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Cards-in-force
Crore
Market Share - Cards-in-Force
%
Market Share - Spends
%
New Accounts
Lakhs
Online Spends Share
%
Total Spends
₹ Crore

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Shareholding Pattern

Numbers in percentages

3 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
68.94% 68.75% 68.63% 68.62% 68.61% 68.60% 68.60% 68.59% 68.59% 68.58% 68.92% 68.86%
9.08% 9.35% 8.59% 8.72% 9.18% 9.52% 9.88% 10.23% 10.10% 10.14% 9.54% 8.98%
17.28% 16.27% 16.68% 16.54% 16.76% 16.47% 17.22% 17.50% 17.76% 17.84% 18.12% 18.13%
4.69% 5.62% 6.09% 6.11% 5.46% 5.41% 4.30% 3.68% 3.56% 3.42% 3.42% 4.02%
No. of Shareholders 9,61,29610,28,67310,36,63210,19,1179,48,9169,37,2708,47,6727,74,6427,50,7867,18,3427,05,5977,29,862

* 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