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SBI Cards AndPayment share price

SBI Cards And Payment Services Ltd.

NSE: SBICARD BSE: 543066 SECTOR: Finance - NBFC  3.26 L   3.77 K   1.49 K

856.25
0 0
BSE: 12 Sep 04:01 PM

Price Summary

Today's High

₹ 863.25

Today's Low

₹ 850.8

52 Week High

₹ 1023.05

52 Week Low

₹ 660

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

81475.99 Cr.

Advances

53934.62 Cr.

No. of Shares

95.15 Cr.

P/E

43.39

P/B

5.69

Face Value

₹ 10

Div. Yield

0.29 %

Book Value (TTM)

₹  150.52

Operating Revenue

18072.22 Cr.

Net Profit

1916.41 Cr.

Promoter Holding

68.59 %

EPS (TTM)

₹  19.73

Sales Growth

6.51

ROE

14.83 %

ROCE

11.79%

Profit Growth

-20.41 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Index Presence

The company is present in 43Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year6.51%
3 Year19.17%
5 Year14.27%

Profit Growth

1 Year-20.41%
3 Year5.84%
5 Year9.01%

ROE%

1 Year14.83%
3 Year20.89%
5 Year20.57%

ROCE %

1 Year11.79%
3 Year13.57%
5 Year13.13%

ROA%

3.1182

PEG Ratio

NA

PAT Margin (%)

10.6042

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 68.59 0.00
Mar 2025 68.60 0.00
Dec 2024 68.60 0.00
Sep 2024 68.61 0.00
Jun 2024 68.62 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.48463333333333% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 20.8940333333333%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 19.1744065832679%.
  • The company has delivered substantial profit growth of 5.84487061008365% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 21.3429895673227%.
  • Promoters shareholding is 68.59%.

 Limitations

  • Provision and contingencies have increased by 46.8065586798495%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 4358.64 4421.04 4618.69 4673.95 4876.92
Other Income 123.95 134.78 147.87 157.79 158.47
Interest Expended 766.83 787.68 828.64 795.26 812.82
Operating Expenses 2867.22 3172.58 3371.53 3319.64 3439.18
Total Provisions 0 0 0 0 0
Depreciation 49.37 50.35 48.76 -1.69 35.03
Profit Before Tax 799.17 545.21 517.63 718.53 748.36
Tax 204.72 140.79 134.4 184.35 192.4
Net Profit 594.45 404.42 383.23 534.18 555.96
Adjusted EPS (RS) 6.25 4.25 4.03 5.61 5.84

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 9296.46 10677.27 13666.64 16968.42 18072.22
Other Income 417.12 1180.5 619.03 515.08 564.93
Interest 1400.1 1503.34 2284.04 3312.61 3943.53
Operating Expenses 4218.79 5275.27 6699.25 7519.3 7088.28
Total Provisions 2770.96 2907 2271.81 3419.79 5024.66
Exceptional Items 0 0 0 0 0
Profit Before Tax 1323.73 2172.16 3030.57 3231.8 2580.68
Tax 339.21 556.02 772.1 823.92 664.27
Profit After Tax 984.52 1616.14 2258.47 2407.88 1916.41
Adjusted EPS (Rs.) 10.47 17.14 23.87 25.32 20.14

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 940.53 943.18 946.07 950.97 951.36
Total Reserves 5361.5 6809.52 8883.98 11133.06 12830.36
Borrowings 5019.12 7487.2 7966.75 7897.87 6483.3
Other N/C liabilities -264.78 -59.08 -57.69 -160.07 -232.98
Current liabilities 15561.4 19249.08 27559.78 37994.79 45070.98
Total Liabilities 26617.77 34429.9 45298.89 57816.62 65103.02
Assets
Loans 23459.14 30187.25 39360.98 49078.95 53934.62
Net Block 308.1 439.46 550.96 542.1 320.12
Capital WIP 0.49 0.49 6.06 0.1 0.15
Intangible WIP 9.58 13.75 16.63 22.21 9.99
Investments 334.31 418.88 1572.08 2504.15 4228.35
Other Loans 72.07 61.3 30.81 21.97 28.58
Other N/C Assets 0 0 0 0 0
Current Assets 2434.08 3308.77 3761.37 5647.14 6581.21
Total Assets 26617.77 34429.9 45298.89 57816.62 65103.02
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 68.62 68.61 68.60 68.60 68.59
state bank of india 68.62 68.61 68.60 68.60 68.59
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 31.38 31.39 31.40 31.40 31.41
government pension fund g... - 1.13 1.10 1.13 1.22
icici prudential multi-as... 5.37 4.93 4.83 3.49 3.40
life insurance corporatio... 5.96 6.13 6.12 6.12 6.11
llp 0.01 0.01 0.02 0.02 0.01
nippon life india trustee... - 1.93 1.95 2.26 2.19
mirae asset large cap fun... 1.11 - - - -
nippon life india trustee... 1.65 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2025
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit ICRA
Credit CRISIL
Credit ICRA
TYPE AGENCY Link
TYPE AGENCY Link
Research Geojit
Research BOB Capital Market
Research IDBI Capital
Research BOB Capital Market
Research BOB Capital Market
Research HDFC Securities
Research Prabhudas Lilladhar

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY22
Concall Q3FY24
Concall Q3FY22
Concall Q2FY24
Concall Q1FY25
Concall Q1FY24
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY25
Presentation Q4FY24
Presentation Q4FY22
Presentation Q4FY21
Presentation Q4FY20
Presentation Q3FY24
Presentation Q3FY22
Presentation Q3FY21
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY21
Presentation Q1FY25
Presentation Q1FY24
Presentation Q1FY23
Presentation Q1FY22
Presentation Q1FY22
Presentation Q1FY21

Company News

SBI Cards and Payment Services informs about voting results and scrutinizer's report 30 Aug, 9:57 AM SBI Cards and Payment Services informs about product launch 26 Aug, 5:29 PM SBI Card, Flipkart launch 'Flipkart SBI Credit Card' 26 Aug, 4:59 PM SBI Cards AndPayment - Quaterly Results 25 Jul, 5:24 PM SBI Cards AndPayment - Quaterly Results 25 Jul, 5:24 PM SBI Cards AndPayment - Quaterly Results 25 Jul, 5:24 PM SBI Cards and Payment Services launches PhonePe SBI Card 22 Jul, 3:18 PM SBI Cards and Payment partners with Apollo HealthCo 15 May, 4:11 PM SBI Cards and Payment Services reports 19% fall in Q4 net profit 25 Apr, 2:51 PM SBI Cards AndPayment - Quaterly Results 24 Apr, 7:07 PM SBI Cards AndPayment - Quaterly Results 24 Apr, 7:07 PM SBI Cards and Payment launches ‘Tata Neu SBI Card’ in partnership with Tata Digital 17 Apr, 10:19 AM SBI Card reports 30% fall in Q3 net profit 29 Jan, 11:30 AM SBI Cards AndPayment - Quaterly Results 28 Jan, 5:55 PM SBI Cards AndPayment - Quaterly Results 28 Jan, 5:55 PM SBI Cards AndPayment - Quaterly Results 28 Jan, 5:55 PM SBI Cards and Payment Services informs about allotment of equity shares 23 Dec, 12:29 PM SBI Cards surpasses 2 crore cards in force mark 6 Dec, 5:12 PM SBI Cards and Payment Services informs about analyst meet 3 Dec, 5:29 PM SBI Cards and Payment Services informs about investor presentation 29 Oct, 5:26 PM SBI Cards AndPayment - Quaterly Results 29 Oct, 3:15 PM SBI Cards AndPayment - Quaterly Results 29 Oct, 3:15 PM SBI Cards AndPayment - Quaterly Results 29 Oct, 3:15 PM SBI Cards and Payment Services informs about earnings call 23 Oct, 4:52 PM SBI Card, Singapore Airlines launch KrisFlyer SBI Card 30 Sep, 3:27 PM SBI Cards and Payment Services reports marginal rise in Q1 net profit 29 Jul, 12:00 PM SBI Cards AndPayment - Quaterly Results 26 Jul, 6:51 PM SBI Cards AndPayment - Quaterly Results 26 Jul, 6:51 PM SBI Cards AndPayment - Quaterly Results 26 Jul, 6:51 PM SBI Cards and Payment Services informs about analyst meet 23 Jul, 3:07 PM SBI Cards and Payment Services informs about outcome of board meeting 22 Jun, 12:06 PM SBI Cards and Payment Services informs about disclosure 17 Jun, 4:35 PM SBI Card reports 11% rise in Q4 net profit 27 Apr, 4:16 PM SBI Cards AndPayment - Quaterly Results 26 Apr, 6:12 PM SBI Cards AndPayment - Quaterly Results 26 Apr, 6:12 PM SBI Card launches SBI Card MILES for Travel Enthusiasts 24 Apr, 9:50 AM SBI Card, Titan launch Titan SBI Card 21 Mar, 12:42 PM SBI Cards and Payment Services informs about board meeting 14 Mar, 11:25 AM SBI Cards and Payment Services informs about analyst meet 4 Mar, 4:59 PM SBI Cards and Payment Services informs about allotment of NCDs 28 Feb, 5:24 PM SBI Cards and Payment Services raises Rs 750 crore through NCDs 28 Feb, 4:15 PM SBI Cards AndPayment - Quaterly Results 25 Jan, 5:32 PM SBI Cards AndPayment - Quaterly Results 25 Jan, 5:32 PM SBI Cards AndPayment - Quaterly Results 25 Jan, 5:32 PM SBI Card raises Rs 525 crore through NCDs 24 Jan, 4:29 PM SBI Cards and Payment Services informs about allotment under ESOP 21 Dec, 2:44 PM SBI Cards and Payment Services submits analyst meet intimation 29 Nov, 4:57 PM SBI Cards and Payment Services informs about analyst meet 28 Nov, 2:32 PM SBI Card partners with Reliance Retail to roll out Reliance SBI Card 1 Nov, 11:07 AM SBI Cards and Payment Services reports 15% rise in Q2 net profit 30 Oct, 2:07 PM

SBI Cards AndPayment Stock Price Analysis and Quick Research Report. Is SBI Cards AndPayment an attractive stock to invest in?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse SBI Cards AndPayment. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of SBI Cards AndPayment is Rs 1916.41 Cr. and the compounded growth of profit in the past 3 years is 5.84481048560852%. The PAT margin of SBI Cards AndPayment is 10.6042%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In SBI Cards AndPayment , the EPS declined by -20.4437% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): SBI Cards AndPayment has a average ROE track record. The ROE of SBI Cards AndPayment is at 14.8343% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of SBI Cards AndPayment is worth at the current levels at Rs 856.15. SBI Cards AndPayment is trading at a current P/E ratio of 43.7949 and the average historical P/E for the last 5 years was 48.04304.
  • P/B ratio can be one of the best metrics to value such companies. Currently, SBI Cards AndPayment is trading at a P/B of 5.6878199668623. The average historical P/B for the last 5 years was 8.6024. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of SBI Cards AndPayment in Ticker for free. Also, one can get the intrinsic value of SBI Cards AndPayment by using Valuation Calculators, which are available with a Finology ONE subscription. 

SBI Cards AndPayment FAQs

Q1. What is SBI Cards AndPayment share price today?
Ans: The current share price of SBI Cards AndPayment is Rs 856.15.

Q2. What is the market capitalisation of SBI Cards AndPayment?
Ans: SBI Cards AndPayment has a market capitalisation of Rs 81466.47414846 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of SBI Cards AndPayment?
Ans: The PE ratio of SBI Cards AndPayment is 43.384294191273 and the P/B ratio of SBI Cards AndPayment is 5.6878199668623, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of SBI Cards AndPayment share?
Ans: The 52-week high share price of SBI Cards AndPayment is Rs 1027.25, and the 52-week low share price of SBI Cards AndPayment is Rs 659.8.

Q5. Does SBI Cards AndPayment pay dividends?
Ans: Currently, SBI Cards AndPayment pays dividends. Dividend yield of SBI Cards AndPayment is around 0.292%.

Q6. What are the face value and book value of SBI Cards AndPayment shares?
Ans: The face value of SBI Cards AndPayment shares is Rs 10, while the book value per share of SBI Cards AndPayment is around Rs 150.5234. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of SBI Cards AndPayment?
Ans: The ROE of SBI Cards AndPayment is 14.8343% and ROCE of SBI Cards AndPayment is 11.7868%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is SBI Cards AndPayment a good buy for the long term?
Ans: The SBI Cards AndPayment long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is SBI Cards AndPayment undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the SBI Cards AndPayment appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check SBI Cards AndPayment’s financials?
Ans: You can review SBI Cards AndPayment’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about SBI Cards AndPayment

SBI Cards And Payment Services Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

SBI Cards And Payment Services Ltd. is a leading Indian company in the credit card and payment services industry. In this article, we will provide a comprehensive analysis of SBI Cards And Payment Services Ltd.'s stock from a long-term investor's perspective. Key topics will include share price trends, balance sheet strength, annual report highlights, dividend history, quarterly results, stock price movements, price charts, recent news, concall summaries, transcripts, investor presentations, and information about promoters and shareholders.

SBI Cards And Payment Services Ltd. Share Price:

The share price of SBI Cards And Payment Services Ltd. is a crucial indicator of investor sentiment towards the company. Various factors, including the company's financial performance, global economic conditions, and market sentiment, influence the share price. Long-term investors can utilize our pre-built screening tools to analyze the share price and identify trends or patterns. Over the past few years, the company's share price has shown a steady upward trend, reflecting its strong financial performance and growth prospects.

SBI Cards And Payment Services Ltd. Balance Sheet:

SBI Cards And Payment Services Ltd.'s balance sheet provides crucial information about its financial health. The company's assets include cash and cash equivalents, investments, and other assets, while liabilities include borrowings and other liabilities. Equity includes share capital, reserves, and surplus. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s balance sheet and identify any red flags. The company's balance sheet has remained strong over the past few years, reflecting the company's low debt levels and strong operating cash flows.

SBI Cards And Payment Services Ltd. Annual Report:

SBI Cards And Payment Services Ltd. releases an annual report that provides detailed information about the company's financial performance, strategic initiatives, and future plans. The annual report includes a letter from the Chairman, financial statements, and management discussion and analysis. Long-term investors can download SBI Cards And Payment Services Ltd.'s annual report from our website and use it to make informed investment decisions. The annual report provides valuable insights into the company's operations and financial performance.

SBI Cards And Payment Services Ltd. Dividend:

SBI Cards And Payment Services Ltd. has a consistent dividend history. The company has paid dividends every year, reflecting its commitment to rewarding shareholders. Long-term investors should consider this when evaluating SBI Cards And Payment Services Ltd.'s stock. Our pre-built screening tools can be used to analyze the company's dividend history and identify any trends or patterns.

SBI Cards And Payment Services Ltd. Quarterly Results:

SBI Cards And Payment Services Ltd. releases its quarterly results every three months. The quarterly results provide information about the company's revenue, earnings, and expenses. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s quarterly results and identify any trends or patterns. The quarterly results are an important indicator of the company's financial health and performance.

SBI Cards And Payment Services Ltd. Stock Price:

The stock price of SBI Cards And Payment Services Ltd. is affected by various factors, such as the company's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to track SBI Cards And Payment Services Ltd.'s stock price and identify potential buying opportunities. The stock price of SBI Cards And Payment Services Ltd. has shown a steady upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

SBI Cards And Payment Services Ltd. Price Chart:

A price chart provides a visual representation of a company's stock price over a period of time. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s price chart and identify any trends or patterns. The price chart shows that the stock price of SBI Cards And Payment Services Ltd. has shown a steady upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

SBI Cards And Payment Services Ltd. News:

Keeping up to date with the latest news about SBI Cards And Payment Services Ltd. is important for investors. Our website provides the latest news about SBI Cards And Payment Services Ltd. from various sources such as financial news websites and social media. Long-term investors can use this information to make informed investment decisions.

SBI Cards And Payment Services Ltd. Concall:

SBI Cards And Payment Services Ltd. holds conference calls with analysts and investors to discuss its financial performance and future plans. Long-term investors can listen to SBI Cards And Payment Services Ltd.'s concall and use the information provided to make informed investment decisions. Our website provides information about upcoming concalls and links to listen to past concalls.

SBI Cards And Payment Services Ltd. Transcripts:

Transcripts of SBI Cards And Payment Services Ltd.'s concalls are available on our website. Long-term investors can download the transcripts and use them to analyze the company's financial performance and future plans. The transcripts provide valuable insights into the company's operations and financial performance.

SBI Cards And Payment Services Ltd. Investor Presentations:

SBI Cards And Payment Services Ltd. provides investor presentations on its website. These presentations provide information about the company's financial performance, strategic initiatives, and future plans. Long-term investors can download SBI Cards And Payment Services Ltd.'s investor presentations from our website and use them to make informed investment decisions. The investor presentations provide valuable insights into the company's operations and financial performance.

SBI Cards And Payment Services Ltd. Promoters:

Promoters are individuals or entities that have a significant stake in a company. SBI Cards And Payment Services Ltd.'s promoters include the State Bank of India, which holds a majority stake in the company. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s promoter holdings and identify any potential conflicts of interest. The promoter holdings of SBI Cards And Payment Services Ltd. are relatively stable, which is a positive sign for long-term investors.

SBI Cards And Payment Services Ltd. Shareholders:

SBI Cards And Payment Services Ltd. has a large number of shareholders, including institutional investors and individual investors. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s shareholder base and identify any potential risks or opportunities. The shareholder base of SBI Cards And Payment Services Ltd. is diverse, which is a positive sign for long-term investors.

SBI Cards And Payment Services Ltd. Premium Features:

Our website provides premium features tools such as DCF Analysis, BVPS Analysis, Earnings multiple approaches, and DuPont analysis. These tools can help long-term investors make better investment decisions by providing more detailed insights into the company's financial performance and valuation.

SBI Cards And Payment Services Limited ROCE

Return on Capital Employed (ROCE) is a key profitability ratio for measuring the efficiency of SBI Cards And Payment Services Limited in generating profits from its capital investments. The ROCE data can be found in the financials table above or in the ratio section of this page.

SBI Cards And Payment Services Limited EBITDA

EBITDA, which stands for Earnings Before Interest, Taxes, Depreciation, and Amortization, is an important measure of SBI Cards And Payment Services Limited's operating performance. This metric provides insight into the company's earnings potential without the impact of non-operating expenses.

SBI Cards And Payment Services Limited DPS

Dividends Per Share (DPS) is a crucial indicator of the amount of dividends that SBI Cards And Payment Services Limited pays out to its shareholders per share of stock held. Investors keen on dividend income can refer to the DPS data available in the financials table or ratio section on this page.

SBI Cards And Payment Services Limited EPS

Earnings Per Share (EPS) is a fundamental measure of SBI Cards And Payment Services Limited's profitability that reflects the company's ability to generate earnings for each outstanding share. The EPS data for the company can be viewed in the financials table above or in the ratio section of this page.

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