SBI Cards and Payment Services Ltd
SBI Cards and Payment Services Ltd (SBICARD) is scheduled to report results on 22 Oct 2026. SBI Cards and Payment Services Ltd last reported results for the quarter ended Jun 2026, with sales of ₹5,041 crore and net profit of ₹664 crore. The stock last traded at ₹565, a market capitalisation of ₹53,744 crore, on a P/E of 23.6. Over the past 52 weeks the stock has ranged between ₹560 and ₹965. Figures are as of 6 Oct 2026 and are not real time.
SBI Cards and Payment Services Ltd share price and key metrics
- Current price
- ₹565
- Market cap
- ₹53,744 cr
- Stock P/E
- 23.6
- Book value
- ₹165
- ROE
- 14.7%
- ROCE
- 10.1%
- Dividend yield
- 0.44%
- 52w high / low
- 965/560
Metrics as of 6 Oct 2026. Not real time.
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SBI Cards and Payment Services Ltd growth and returns
- 10 Years
- 24%
- 5 Years
- 16%
- 3 Years
- 13%
- TTM
- 8%
- 10 Years
- 23%
- 5 Years
- 17%
- 3 Years
- -1%
- TTM
- 21%
- 10 Years
- %
- 5 Years
- -13%
- 3 Years
- -11%
- 1 Year
- -37%
- 10 Years
- 20%
- 5 Years
- 19%
- 3 Years
- 17%
- Last Year
- 15%
SBI Cards and Payment Services Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹5,041 cr, up 3.4% from ₹4,877 cr a year earlier. Net profit was ₹664 cr, up 19.4% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 4,421 | 4,619 | 4,674 | 4,877 | 4,961 | 5,127 | 4,934 | 5,041 |
| Expenses | 3,173 | 3,372 | 3,320 | 3,439 | 3,742 | 3,785 | 3,625 | 3,537 |
| Operating profit | 461 | 419 | 559 | 625 | 459 | 557 | 596 | 759 |
| OPM % | 10% | 9% | 12% | 13% | 9% | 11% | 12% | 15% |
| Other income | 135 | 148 | 158 | 158 | 176 | 226 | 253 | 165 |
| Interest | 788 | 829 | 795 | 813 | 760 | 785 | 714 | 745 |
| Depreciation | 50 | 49 | -2 | 35 | 35 | 34 | 32 | 31 |
| Profit before tax | 545 | 518 | 719 | 748 | 600 | 749 | 816 | 893 |
| Tax % | 26% | 26% | 26% | 26% | 26% | 26% | 25% | 26% |
| Net profit | 404 | 383 | 534 | 556 | 445 | 557 | 609 | 664 |
| EPS (₹) | 4.25 | 4.03 | 5.61 | 5.84 | 4.67 | 5.85 | 6.40 | 6.98 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
SBI Cards and Payment Services Ltd annual results
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,347 | 5,195 | 7,017 | 9,281 | 9,301 | 10,679 | 13,670 | 16,986 | 18,074 | 19,901 | 20,063 |
| Operating profit | 452 | 769 | 1,121 | 1,362 | 1,034 | 1,699 | 2,579 | 2,931 | 2,164 | 2,243 | 2,371 |
| OPM % | 14% | 15% | 16% | 15% | 11% | 16% | 19% | 17% | 12% | 11% | 12% |
| Net profit | 373 | 601 | 865 | 1,245 | 985 | 1,616 | 2,258 | 2,408 | 1,916 | 2,167 | 2,275 |
| EPS (₹) | 4.75 | 7.66 | 10.33 | 13.26 | 10.47 | 17.14 | 23.87 | 25.32 | 20.14 | 22.77 | 23.90 |
TTM is the trailing twelve months to the most recent quarter.
SBI Cards and Payment Services Ltd balance sheet
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 | 951 | 952 |
| Reserves | 664 | 1,568 | 2,751 | 4,402 | 5,362 | 6,810 | 8,884 | 11,133 | 12,830 | 14,774 |
| Borrowings | 8,268 | 11,413 | 13,549 | 17,573 | 17,895 | 22,982 | 31,110 | 39,891 | 44,947 | 44,064 |
| Other liabilities | 1,048 | 1,920 | 3,009 | 2,393 | 2,816 | 3,913 | 4,606 | 6,196 | 6,817 | 6,539 |
| Total liabilities | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 66,328 |
| Fixed assets | 24 | 242 | 196 | 311 | 308 | 439 | 551 | 542 | 320 | 219 |
| CWIP | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 | 10 | 12 |
| Investments | 0 | 0 | 1 | 1 | 958 | 1,297 | 2,140 | 3,519 | 6,235 | 6,374 |
| Other assets | 10,741 | 15,409 | 19,928 | 24,971 | 25,737 | 32,898 | 42,832 | 54,088 | 58,980 | 59,723 |
| Total assets | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 66,328 |
As reported by the company. Total assets equal total liabilities by construction.
SBI Cards and Payment Services Ltd cash flow
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | -2,235 | -2,891 | -2,327 | -4,063 | 692 | -4,391 | -6,671 | -5,653 | -2,140 | 493 |
| Cash from investing | -1 | 128 | -76 | -77 | -997 | -538 | -921 | -1,255 | -2,491 | 245 |
| Cash from financing | 2,244 | 2,953 | 2,824 | 3,923 | 432 | 5,045 | 7,824 | 8,401 | 4,687 | -1,172 |
| Net cash flow | 9 | 190 | 422 | -218 | 127 | 115 | 232 | 1,492 | 55 | -434 |
| Free cash flow | -2,236 | -2,931 | -2,423 | -4,141 | 635 | -4,491 | -6,764 | -5,728 | -2,196 | 459 |
| CFO / operating profit | -193% | -178% | -87% | -127% | 57% | -147% | -140% | -85% | -26% | 24% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
SBI Cards and Payment Services Ltd operating ratios
| Per year | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 29% | 32% | 29% | 28% | 17% | 23% | 26% | 22% | 15% | 15% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
SBI Cards and Payment Services Ltd shareholding pattern
Promoters held 68.86% at Jun 2026, broadly unchanged since Jun 2025. FIIs 8.98% and DIIs 18.13%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 68.61% | 68.60% | 68.60% | 68.59% | 68.59% | 68.58% | 68.92% | 68.86% |
| FIIs | 9.18% | 9.52% | 9.88% | 10.23% | 10.10% | 10.14% | 9.54% | 8.98% |
| DIIs | 16.76% | 16.47% | 17.22% | 17.50% | 17.76% | 17.84% | 18.12% | 18.13% |
| Public | 5.46% | 5.41% | 4.30% | 3.68% | 3.56% | 3.42% | 3.42% | 4.02% |
| No. of shareholders | 9,48,916 | 9,37,270 | 8,47,672 | 7,74,642 | 7,50,786 | 7,18,342 | 7,05,597 | 7,29,862 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
When is SBI Cards and Payment Services Ltd’s next results date?
SBI Cards and Payment Services Ltd’s next results are scheduled for 22 Oct 2026.
- Board meetingEarnings results for Q2 FY 2026
See the full results calendar for every Indian company reporting in the next 30 days.
SBI Cards and Payment Services Ltd corporate filings
- Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2026Company Updatelow impact
- SBI Cards and Payment Services Ltd announces schedule of analyst/investor meet under Regulation 30 on 30th September 2026Company Updatelow impact
Cruxal's analysis: The company has disclosed an upcoming analyst/investor meet scheduled for September 30…
Read the full analysis - SBI Cards and Payment Services Ltd conducts scheduled investor/analyst meet, outcome not specifiedCompany Updatelow impact
Cruxal's analysis: The company announced a scheduled investor and analyst meet under Regulation 30, with no…
Read the full analysis - SBI Cards and Payment Services Ltd announces schedule for investor/analyst meetingCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has filed a disclosure under Regulation 30 regarding a…
Read the full analysis - SBI Cards and Payment Services Ltd announces schedule for investor and analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has disclosed a schedule for upcoming investor and…
Read the full analysis - SBI Cards and Payment Services Ltd announces schedule for investor and analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has disclosed a schedule for upcoming investor and…
Read the full analysis - SBI Cards and Payment Services Ltd schedules investor and analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has issued a routine disclosure under Regulation 30…
Read the full analysis - Intimation of Closure of Trading WindowInsider Trading / SASTlow impact
- SBI Cards and Payment Services Ltd allots 685 equity shares under ESOP Plan 2023Company Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has announced the allotment of 685 equity shares…
Read the full analysis - SBI Cards and Payment Services Ltd announces schedule for investor/analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has disclosed a schedule for upcoming investor and…
Read the full analysis - SBI Cards and Payment Services Ltd schedules investor/analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has announced a schedule for upcoming investor and…
Read the full analysis - SBI Cards and Payment Services Ltd schedules investor and analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has issued a formal intimation regarding scheduled…
Read the full analysis - SBI Cards and Payment Services Ltd releases routine regulatory disclosure under Regulation 30 and 51Company Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has filed a routine press release disclosure in…
Read the full analysis - SBI Cards and Payment Services Limited Appoints Joint Statutory Auditors for FY 2026-27Company Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Limited has announced the appointment of M/s. V.K. Dhingra…
Read the full analysis - SBI Cards and Payment Services Ltd: Intimation regarding Code of Conduct under SEBI (PIT) RegulationsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has issued a routine regulatory filing regarding its…
Read the full analysis - SBI Cards and Payment Services Ltd discloses ESG rating updateCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has submitted an intimation under Regulation 30 of the…
Read the full analysis - SBI Cards and Payment Services Ltd announces schedule for investor/analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has disclosed a schedule for upcoming investor and…
Read the full analysis - SBI Cards and Payment Services Ltd schedules analyst/investor meetingCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has announced a schedule for an upcoming…
Read the full analysis - SBI Cards and Payment Services Ltd announces schedule for investor and analyst meetingsCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has disclosed a schedule for upcoming investor and…
Read the full analysis - SBI Cards and Payment Services Ltd schedules analyst/investor meetingCompany Updatelow impact
Cruxal's analysis: SBI Cards and Payment Services Ltd has issued a formal intimation regarding a scheduled…
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