NSE SBICARD · BSE 543066 · Consumer Financial Services · NIFTY 500
SBI Cards and Payment Services Share Price
₹581.00
▼ −₹9.99 · 1.69%
Day range · 25 Sep
₹607.45Low₹621.95High
52-week range
₹566.60Low · 11 Jun 2026₹964.95High · 23 Oct 2025
SBI Cards and Payment Services Overview
Where the price stands, how it has moved and how it sits against its averages.
SBI Cards and Payment Services shares last traded at ₹581.00 on the NSE, down 1.69% on the day. That is 39.8% below the 52-week high of ₹964.95 and 2.5% above the 52-week low of ₹566.60. The stock trades at 24.30× earnings, below the sector average of 24.38. Its market value is ₹55,290 Cr.
Price returns
1 Day▼ −1.69%
1 Week▼ −8.50%
This month▼ −9.89%
3 Months▼ −3.47%
6 Months▼ −13.79%
This year▼ −32.58%
1 Year▼ −32.70%
Share price growth a year (CAGR): 3 years ▼ −9.8% · 5 years ▼ −10.5%
Against the market: 1 Month ▲ +0.25% · 3 Months ▲ +3.70% · 6 Months ▼ −9.65% · This year ▼ −16.88% · 1 Year ▼ −22.38%
Shading grows with the size of the move. We ask our data provider for a newer price every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next check from Mon 26 Oct, 9:15 AM. Its quotes are not real-time — the time at the top shows how current the price is.
Moving averages — price is above 0 of 6
- 300-day average₹700.35 ▼ price 17.0% below
- 50-day average₹645.65 ▼ price 10.0% below
- 20-day average₹644.29 ▼ price 9.8% below
- 10-day average₹637.17 ▼ price 8.8% below
- 5-day average₹635.30 ▼ price 8.5% below
- 100-day average₹629.99 ▼ price 7.8% below
- Today's price₹581.00
Each average is the mean closing price over that many trading days; averages above the current price sit higher on the ladder.
SBI Cards and Payment Services Financial Results
Revenue and net profit in ₹ crore, with the full statements underneath.
19,900
2,408
2,167
Year by year
| Fiscal year | Revenue | Growth | Net profit | Net margin | EPS | Dividend |
|---|---|---|---|---|---|---|
| FY 2026 | ₹19,900 Cr | ▲ +10.1% | ₹2,167 Cr | 10.9% | ₹22.77 | ₹2.50 |
| FY 2025 | ₹18,072 Cr | ▲ +6.5% | ₹1,916 Cr | 10.6% | ₹20.13 | ₹2.50 |
| FY 2024 | ₹16,968 Cr | ▲ +24.2% | ₹2,408 Cr | 14.2% | ₹25.37 | ₹2.50 |
| FY 2023 | ₹13,667 Cr | ▲ +28.0% | ₹2,258 Cr | 16.5% | ₹23.80 | ₹2.50 |
| FY 2022 | ₹10,677 Cr | ▲ +15.1% | ₹1,616 Cr | 15.1% | ₹17.02 | ₹2.50 |
| FY 2021 | ₹9,277 Cr | ▲ +0.0% | ₹985 Cr | 10.6% | ₹10.38 | ₹0.00 |
| FY 2020 | ₹9,276 Cr | — | ₹1,245 Cr | 13.4% | ₹13.21 | ₹1.00 |
5,127
5,041
664
Quarter by quarter
| Quarter | Revenue | vs prev. qtr | Net profit | Net margin | EPS |
|---|---|---|---|---|---|
| Q1 FY27 | ₹5,041 Cr | ▲ +2.1% | ₹664 Cr | 13.2% | ₹6.98 |
| Q4 FY26 | ₹4,934 Cr | ▼ −3.8% | ₹609 Cr | 12.3% | ₹6.40 |
| Q3 FY26 | ₹5,127 Cr | ▲ +3.4% | ₹557 Cr | 10.9% | ₹5.85 |
| Q2 FY26 | ₹4,961 Cr | ▲ +1.7% | ₹445 Cr | 9.0% | ₹4.67 |
| Q1 FY26 | ₹4,877 Cr | ▲ +4.3% | ₹556 Cr | 11.4% | ₹5.84 |
| Q4 FY25 | ₹4,674 Cr | ▲ +1.2% | ₹534 Cr | 11.4% | ₹5.60 |
| Q3 FY25 | ₹4,619 Cr | ▲ +4.5% | ₹383 Cr | 8.3% | ₹4.03 |
| Q2 FY25 | ₹4,421 Cr | — | ₹404 Cr | 9.1% | ₹4.25 |
Balance sheet — FY26
Owes (liabilities)Shareholders' equity
76%
24%
- Total assets₹66,328 Cr
- Total liabilities₹50,602 Cr
- Shareholders' equity₹15,726 Cr
- Total debt₹44,230 Cr
- Cash & investments₹2,290 Cr
- Revenue growth, 5 yr16.49% a year
- EPS growth, 5 yr17.01% a year
- Operating margin (TTM)26.13%
- Net margin (TTM)11.34%
Cash flow — FY26
Operating activities
▲ ₹493 Cr
Investing activities
▲ ₹245 Cr
Financing activities
▼ −₹1,172 Cr
Free cash flow
▲ ₹459 Cr
Net change in cash
▼ −₹434 Cr
Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.
Full financial statements, FY20–FY26
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total revenue | 9,276.40 | 9,277.48 | 10,677.27 | 13,666.64 | 16,968.42 | 18,072.22 | 19,899.63 |
| Cost of revenue | 657.15 | 606.73 | 1,022.63 | 1,371.50 | 1,642.14 | 633.24 | 1,212.86 |
| Gross profit | 8,619.25 | 8,670.75 | 9,654.64 | 12,295.14 | 15,326.28 | 17,438.98 | 18,686.77 |
| Operating expenses | 6,250.86 | 6,875.09 | 7,595.80 | 9,022.42 | 11,162.39 | 12,322.14 | 13,927.12 |
| Operating income | 3,025.54 | 2,402.39 | 3,081.47 | 4,644.22 | 5,806.03 | 5,750.08 | 5,972.51 |
| Depreciation | 103.80 | 123.26 | 148.56 | 163.81 | 196.75 | 146.82 | 136.25 |
| Profit before tax | 1,729.63 | 1,323.73 | 2,172.16 | 3,030.57 | 3,231.80 | 2,580.68 | 2,913.19 |
| Tax | 484.81 | 339.21 | 556.02 | 772.10 | 823.92 | 664.27 | 746.48 |
| Net profit | 1,244.82 | 984.52 | 1,616.14 | 2,258.47 | 2,407.88 | 1,916.41 | 2,166.71 |
| EPS (₹) | 13.21 | 10.38 | 17.02 | 23.80 | 25.37 | 20.13 | 22.77 |
| Dividend per share (₹) | 1.00 | 0.00 | 2.50 | 2.50 | 2.50 | 2.50 | 2.50 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total assets | 25,302.80 | 27,012.86 | 34,648.43 | 45,545.56 | 58,171.23 | 65,545.80 | 66,327.79 |
| Current assets | — | — | — | — | — | — | — |
| Cash & short-term investments | 573.98 | 712.32 | 1,098.22 | 1,108.86 | 2,630.58 | 2,708.60 | 2,289.68 |
| Inventory | — | — | — | — | — | — | — |
| Property, plant & equipment | 244.30 | 218.93 | 323.54 | 453.60 | 438.41 | 226.90 | 157.98 |
| Total liabilities | 19,961.58 | 20,710.83 | 26,895.73 | 35,715.50 | 46,087.20 | 51,764.08 | 50,602.29 |
| Current liabilities | — | — | — | — | — | — | — |
| Total debt | 17,364.93 | 18,068.04 | 23,284.91 | 31,531.08 | 40,314.70 | 45,170.68 | 44,230.27 |
| Total equity | 5,341.22 | 6,302.03 | 7,752.70 | 9,830.06 | 12,084.03 | 13,781.72 | 15,725.50 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| From operations | −4,066.87 | 692.32 | −4,391.46 | −6,670.51 | −5,653.37 | −2,140.46 | 493.03 |
| From investing | −73.23 | −996.78 | −538.12 | −921.44 | −1,254.93 | −2,490.57 | 245.47 |
| From financing | 3,921.73 | 431.75 | 5,044.54 | 7,823.58 | 8,400.58 | 4,686.51 | −1,172.36 |
| Capital expenditure | −77.92 | −56.95 | −99.92 | −93.40 | −74.49 | −55.76 | −33.64 |
| Dividends paid | −100.94 | −93.83 | 0.00 | −212.86 | −362.64 | −287.11 | −217.01 |
| Net change in cash | −218.37 | 127.29 | 114.96 | 231.63 | 1,492.28 | 55.48 | −433.86 |
SBI Cards and Payment Services vs Peers
Side by side with other consumer financial services companies. The small bars compare each column.
| Company | Price | Change | Market cap | P/E | P/B | ROE (5 yr) | Net margin | Div. yield |
|---|---|---|---|---|---|---|---|---|
| SBI Cards and Payment Services This stock | ₹581.00 | ▼ −1.69% | ₹55,290 Cr | 24.30 | 3.52 | 19.03% | 11.34% | 0.43% |
| Bajaj Finance | ₹995.00 | ▲ +1.21% | ₹6,19,483 Cr | 25.01 | 5.76 | 19.79% | 23.72% | 0.51% |
| Shriram Finance | ₹999.00 | ▲ +0.76% | ₹2,35,063 Cr | 13.87 | 2.95 | 16.15% | 20.94% | 1.04% |
| Jio Financial Services | ₹227.00 | ▼ −0.87% | ₹1,44,216 Cr | 95.47 | 1.15 | 1.11% | 49.84% | 0.21% |
| Tata Capital | ₹338.50 | ▲ +0.62% | ₹1,42,749 Cr | 20.47 | 3.26 | 14.39% | 15.95% | 0.16% |
| Power Finance Corporation | ₹338.70 | ▼ −0.24% | ₹1,11,774 Cr | 5.42 | 1.01 | 20.90% | 29.13% | 4.58% |
Peer prices and ratios as last reported by the data provider. Company names link to their own pages.
SBI Cards and Payment Services Key Metrics
Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.
SBI Cards and Payment ServicesBenchmarkRule-of-thumb bands
Valuation The price against earnings, book value and sales
P/E (TTM)Price ÷ yearly earnings per share
24.30
▼ 0% below the sector average of 24.38
P/E, 12-month rangeLow 24.82 · high 94.47
0%
Today's P/E sits 0% of the way from its low to its high
P/BPrice ÷ book value per share
3.52
P/SMarket cap ÷ last 12 months' revenue
2.76
P/CFPrice ÷ cash flow per share
24.45
Profitability Of every ₹100 of sales, how much is kept?
Gross marginKept after the cost of goods
92.91%
▲ above its 5-yr average of 92.58%
Operating marginKept after running costs
26.13%
▼ below its 5-yr average of 31.85%
Pre-tax marginKept before tax
15.24%
▼ below its 5-yr average of 17.57%
Net marginKept as profit
11.34%
▼ below its 5-yr average of 13.07%
Returns & efficiency How well does it use its money?
Return on equityProfit on shareholders' money
14.69%
▼ below its 5-yr average of 19.03%
Return on assetsProfit on everything it owns
3.29%
▼ below its 5-yr average of 4.14%
Return on investmentProfit on long-term capital
7.86%
▼ below its 5-yr average of 9.93%
Return on capital employedProfit before interest and tax on equity + debt
6.94%
Growth Is the business getting bigger?
Revenue — last 12 months
+7.9%
▲ growing
Revenue — 3 yr, a year
+13.3%
▲ growing
Revenue — 5 yr, a year
+16.5%
▲ growing
Net profit — 3 yr, a year
−1.4%
▼ shrinking
Net profit — 5 yr, a year
+17.1%
▲ growing
EPS — last 12 months
+21.2%
▲ growing
EPS — 3 yr, a year
−1.5%
▼ shrinking
EPS — 5 yr, a year
+17.0%
▲ growing
Dividend — 3 yr, a year
0.0%
▲ growing
Book value — 5 yr, a year
+19.8%
▲ growing
Financial strength Can it pay its bills and debts?
Debt to equityBorrowings for every ₹1 of shareholders' money — a lender's loans are funded this way
2.81×
Interest coverProfit before interest and tax ÷ interest on its borrowings
3.40×
Payout ratioShare of profit paid as dividend
10.98%
Per share What each share stands for
EPS (TTM)
₹23.90
Book value
₹165.25
Cash flow
₹25.28
Dividend
₹2.50
Revenue
₹210.74
The share price is 3.52× the book value behind each share.
Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.
All 108 metrics from the data provider
Valuation
P/E excluding extraordinary items, most recent fiscal year27.16
Current Dividend Yield - Common Stock Primary Issue, LTM0.40
Price to Book - most recent fiscal year3.74
P/E Basic excluding extraordinary items - TTM24.82
P/E including extraordinary items - TTM25.88
P/E excluding extraordinary items low, trailing 12 months24.82
Price to Tangible Book - most fiscal year3.76
Dividend Yield - 5 Year Average0.33
Price to sales - most recent fiscal year2.96
Dividend Yield - indicated annual dividend divided by closing price0.40
Price to Cash Flow per share - trailing 12 month24.45
Price to Free Cash Flow per Share - most recent fiscal year242.80
P/E Normalized, most recent fiscal year27.16
P/E excluding extraordinary items high, trailing 12 months94.47
P/E excluding extraordinary items, most recent fiscal year quarter25.88
Price to sales - trailing 12 month2.93
Net Debt, LFY4,19,405.90
Per share
Dividend Per Share - 5 year average2.50
Cash Flow per share - trailing 12 month25.28
Cash Flow per share - most recent fiscal year24.20
EPS including extraordinary items - trailing 12 month23.90
EPS including extraordinary items - most recent fiscal year22.77
EBITD per share - trailing 12 month56.45
Revenue/share - trailing 12 month210.74
EPS excluding extraordinary items - trailing 12 month23.90
EPS Basic excluding extraordinary items - most recent fiscal year22.77
EPS Basic excluding extraordinary items - trailing 12 month23.90
Book value per share - most recent fiscal year165.25
Dividend per share - most recent fiscal year2.50
Revenue/share - most recent fiscal year209.12
EPS Normalized - most recent fiscal year22.77
Book value (tangible) per share - most recent fiscal year164.48
Dividends per share - trailing 12 month2.50
EPS excluding extraordinary items - most recent fiscal year22.77
Cash per share - most recent fiscal year24.06
Margins
Operating margin - trailing 12 month26.13
Gross Margin - 5 year average92.58
Operating margin - 1st historical fiscal year30.01
Operating Margin - 5 year average31.85
Net Profit Margin % - 1st historical fiscal year10.89
Gross Margin - 1st historical fiscal year93.91
Net Profit Margin % - trailing 12 month11.34
Net Profit Margin - 5 year average13.07
Pretax Margin - 5 year average17.57
Pretax margin - 1st historical fiscal year14.64
Pretax margin - trailing 12 month15.24
Free Operating Cash Flow/Revenue, 5 Year Average−24.97
Gross Margin - trailing 12 month92.91
Growth
EPS Change %, TTM over TTM21.17
Revenue growth rate, 5 year16.49
EPS growth rate, 5 year17.01
Revenue Change % - most recent quarter 1 year ago3.36
Growth rate% - dividend, 3 year0.00
Growth rate% - EPS, 3 year−1.46
Revenue/share (5 yr growth)16.41
Free Operating Cash Flow, 5 Year CAGR−14.85
Tangible Book Value, Total Equity, 5 Year CAGR20.34
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year Interim CAGR22.38
Capital Spending growth rate, 5 year−9.99
Revenue Change %, TTM over TTM7.92
Growth rate% - Revenue, 3 year13.34
Book value per share growth rate, 5 year19.79
EPS Change % - most recent quarter 1 year ago19.52
Net Profit Margin growth rate, 5 year0.52
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR16.70
Total Debt, 5 Year CAGR19.61
Financial strength
Net Interest coverage - most recent fiscal year1.95
Free Cash Flow - most recent fiscal year2,423.80
LT debt/equity - most recent fiscal year0.78
Payout ratio - trailing 12 month10.46
Current EV/Free Cash Flow, LFY49.11
Total debt/total equity - most recent fiscal year2.81
Net Interest coverage - trailing 12 month1.75
Payout ratio - most recent fiscal year10.98
Returns & efficiency
Return on average equity - 5 year average19.03
Net Income/employee - trailing 12 month53,93,931.00
Revenue/employee - most recent fiscal year4,78,58,660.00
Return on investment - most recent fiscal year7.86
Return on average assets - most recent fiscal year3.29
Receivables turnover - most recent fiscal year39.77
Revenue/employee - trailing 12 month4,75,65,840.00
Return on average assets - 5 year average4.14
Net Income/employee - most recent fiscal year52,10,943.00
Asset turnover - most recent fiscal year0.30
Return on average equity - most recent fiscal year14.69
Return on investment - 5 year average9.93
Price & volume
Market Cap58,069.26
52 week Low Date11 Jun 2026
Price - 1 Day % Change−2.61
Relative (S&P500) price percent change - 13 week3.70
Avg trading volume last 10 days1.42
Price - 13 week price percent change−1.03
Price - 52 week price percent change−30.10
Avg Trading Volume Last 3 months44.99
Price - 5 Day % Change−2.91
Price % Change Month To Date−4.09
Relative (S&P500) price percent change - 04 week0.25
52 week High Date23 Oct 2025
Price - 26 week price percent change−11.68
PDATE24 Sep 2026
Price - YTD price percent change−28.23
Relative (S&P500) price percent change - 52 week−22.38
NPRICE618.40
Relative (S&P500) price percent change - 26 week−9.65
52 week Low565.45
52 week High965.00
Beta1.03
Relative (S&P500) price percent change - Year to Date−16.88
Dividends & Corporate Events
Payouts to shareholders, splits and bonus issues, and company meetings — newest first.
₹2.50
₹2.50
- Dividend yield0.43%
- Payout ratio10.98%
- 5-year average dividend₹2.50 a share
- Latest dividend₹2.50 per share · 11 Mar 2026
Corporate calendar
- MeetingAnnual General Meeting
- BoardQuarterly Results
- BoardAudited Results
- Dividend₹2.50 per share · 25% · Interim dividend
- BoardInterim Dividend
- MeetingPostal Ballot
- BoardQuarterly Results
- BoardQuarterly Results
Show 11 older events
- MeetingAnnual General Meeting
- BoardQuarterly Results
- MeetingPostal Ballot
- BoardAudited Results
- Dividend₹2.50 per share · 25% · Interim dividend
- BoardInterim Dividend
- MeetingPostal Ballot
- MeetingAnnual General Meeting
- Dividend₹2.50 per share · 25% · Interim dividend
- Dividend₹2.50 per share · 25% · Interim dividend
- Dividend₹2.50 per share · 25% · Interim dividend
About SBI Cards and Payment Services
Consumer Financial Services
SBI Cards and Payment Services Limited is an India-based company. The Company provides credit card services. The Company operates through a single segment, namely, Credit cards. It offers a wide range of credit cards to individual cardholders and corporate clients. Its individual cards include travel & fuel cards, lifestyle cards, shopping cards, and banking partnership cards. Its corporate cards include central travel card, utility card, corporate purchase card, and corporate virtual card. The Company also offers value-added payment products and services. It serves a wide spectrum of cardholders, spanning from the super-premium and premium categories to the affluent, mass affluent, mass, and new to credit segments. It has issued approximately 20 million credit cards.
Key people
- Challa Sreenivasulu SettyChairman of the Board, Nominee Director
- Salila PandeChief Executive Officer, Managing Director, Executive Director
- Rashmi MohantyExecutive Vice President, Chief Financial Officer
- Saurav GhoshChief Operating Officer
- Pradeep Singh KhuranaExecutive Vice President, Chief Information and Digital Officer
- Girish BudhirajaExecutive Vice President, Chief Sales and Marketing Officer
Company facts
- NSE symbolSBICARD
- BSE code543066
- ISININE018E01016
- IndustryConsumer Financial Services
- IndexNIFTY 500
- Market cap₹55,290 Cr
- Revenue (FY26)₹19,900 Cr
- Net profit (FY26)₹2,167 Cr
In the News
Recent headlines about SBI Cards and Payment Services — they open on Mint in a new tab.
- BIG DEAL | ICICI Prudential raises stake in SBI Cards and Payment Services to 7.30%
ICICI Prudential Mutual Fund raised its stake in SBI Cards and Payment Services to 7.30% by acquiring 2.02 crore shares. The latest purchase on August 25, 2026, involved 21.61 lakh shares, reflecting a notable increase from the previous 5.18% stake.
27 Aug 2026 · 2 min read · Mint ↗
Stock data comes from the exchange feed via our data provider. It is not real-time and can be delayed, so check the price with your broker before you trade. This page is for information and education only. It is not investment advice, research or a recommendation to buy, sell or hold any security. Investments in the securities market are subject to market risks; read all related documents carefully before investing. See all stocks →
Frequently Asked Questions
SBI Cards and Payment Services (NSE: SBICARD) last traded at ₹581.00 on the NSE, down 1.69% (₹9.99) on the day, as of 29 Sep 2026. The day's range on 25 Sep was ₹607.45 – ₹621.95.
SBI Cards and Payment Services's 52-week high is ₹964.95 (23 Oct 2025) and its 52-week low is ₹566.60 (11 Jun 2026). At ₹581.00 the share is 39.8% below its high and 2.5% above its low.
SBI Cards and Payment Services's market capitalisation is ₹55,290 Cr (₹55,290 Cr). It is part of the NIFTY 500 index.
SBI Cards and Payment Services's P/E ratio (trailing 12 months) is 24.30. The sector average is 24.38, so investors pay 0% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹23.90.
SBI Cards and Payment Services shares are down 32.70% over the last year, down 32.58% so far this year, down 13.79% over 6 months, down 3.47% over 3 months. Over the last year the stock did 22.38% worse than the market.
In FY26 (year to Mar 2026), SBI Cards and Payment Services reported revenue of ₹19,900 Cr (up 10.11% on the year before) and a net profit of ₹2,167 Cr. Earnings per share were ₹22.77.
Yes. SBI Cards and Payment Services's latest dividend is ₹2.50 per share (25%, interim dividend), with an ex-date of 11 Mar 2026. The dividend yield is 0.43%. It has paid 5 dividends in the records shown on this page.
As of Jun 2026: Promoter 68.86%, FII 8.98%, MF 10.80%, Other 11.36%. Promoter holding fell by 0.06 percentage points from Mar 2026.
SBI Cards and Payment Services's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.
No. SBI Cards and Payment Services has debt — its debt-to-equity ratio is 2.81 and total debt was ₹44,230 Cr in FY26. As a lender it borrows to fund its loans, so debt is part of its business; its profit before interest and tax covers the interest on those borrowings 3.40 times.