SBI Cards

    SBICARD
    NBFC
    ₹545.55
    Price as of 25 Oct 2026, 10:28 pm IST

    Market cap ₹51,917 Cr

    P/E
    19.91
    Day range
    ₹525.00 – ₹569.45
    52-week range
    ₹525.00 – ₹915.00
    Volume
    28.30 L
    Open
    ₹568.00
    Prev close
    ₹566.30

    Latest results · Q2 FY27(standalone)Revenue ₹5,141 Cr+3.6%Profit ₹778 Cr+74.8%Margin 15.1%YoY vs the same quarter last year

    No red flags in exchange filings: no rising pledge, promoter selling, surveillance or critical filing on record.

    SBICARD in NSE indices and F&O

    F&O margin for one lot of SBICARD (800 shares)

    Research profile

    Composite 40 / 100

    Factor percentiles

    Value60
    Quality29
    Momentum23
    Low volatility47

    Derived metrics

    Earn. yield
    5.0%
    Graham no.
    ₹333.21
    vs Graham
    -38.9%
    ROE ÷ P/B
    4.8%
    12-1 mom.
    -30.7%
    Return / vol
    -1.46
    FCF yield
    0.9%

    Appears in 9 scans

    Percentiles rank this stock against the other tracked stocks and change as they do. Scans describe where figures sit today. Hover a label for its definition. Not investment advice.

    Peer comparison

    All 68 in NBFC
    Largest NBFC companies tracked, with sector medians
    CompanyM-capP/EP/BROEROCEOPMD/ESales YoY
    Bajaj FinanceBAJFINANCE₹5.78 L Cr26.674.7618.4%10.9%—4.08+22.8%
    National Stock Exchange of IndiaNSE₹4.13 L Cr39.37—33.0%41.0%78.0%0.01—
    Bajaj FinservBAJAJFINSV₹2.65 L Cr26.273.4526.2%11.0%41.0%5.52+19.1%
    Shriram FinanceSHRIRAMFIN₹2.04 L Cr14.421.8216.4%11.5%—2.12+15.8%
    Jio Financial ServicesJIOFIN₹1.35 L Cr77.961.051.2%2.0%63.0%0.32+73.2%
    BSE LtdBSE₹1.31 L Cr47.0019.9144.8%60.0%67.0%0.00+63.5%
    ICICI Prudential Asset Management CompanyICICIAMC₹1.31 L Cr37.6725.1985.8%115.0%73.0%0.00+16.3%
    SBI CardsSBICARD₹51,917 Cr19.913.0314.7%10.1%—2.79+3.6%
    Sector median₹26,914 Cr20.192.7115.3%11.4%54.0%1.74+20.3%

    Sector as classified in the tracked universe; medians use every tracked NBFC company, and P/E only profitable ones. Tinted figures beat the median.

    Latest news

    Updated 1d ago

    Headlines about SBI Cards from the last two weeks in the financial press. Stories belong to their publishers; Parasram India does not endorse them.

    Key metrics

    P/E (TTM)
    19.9
    EPS (TTM)
    ₹23.90
    Price / Book
    3.03
    ROE (FY26)
    14.7%
    Dividend yield
    0.46%

    Moving averages (NSE)

    20-day
    ₹570.94
    Price below
    50-day
    ₹615.39
    Price below
    200-day
    ₹669.86
    Price below

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +13.3%
    Profit 3Y CAGR
    -1.4%
    Revenue YoY (Sep 2026)
    +3.6%
    Profit YoY (Sep 2026)
    +74.8%
    Net margin
    15.1%

    Revenue, profit & margin - quarterly

    ₹ crore; a loss shows red. Operating margin below, same periods.

    0 Cr2K Cr4K Cr6K Cr
    • Revenue
    • Net profit

    Operating margin

    Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026

    Who owns the company

    % of equity by quarter, latest Sept 2026

    Dec '24Mar '25Jun '25Sept '25Dec '25Mar '26Jun '26Sept '260%25%50%75%100%
    • Promoter
    • DII
    • FII
    • Public

    Cash flows

    Where cash came from and went, by fiscal year (₹ crore)

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-10K Cr-5K Cr0 Cr5K Cr10K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY17FY18FY19FY20FY21FY22FY23FY24FY25FY260%10%20%30%40%15% screen

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); the ratio below, same years.

    0 Cr20K Cr40K Cr60K Cr
    • Equity
    • Debt

    Debt to equity

    Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 20260x2.5x5x

    Dividends per share

    ₹ by fiscal year of the ex-date; the latest year runs to date.

    FY22FY23FY24FY25FY26₹0₹1₹2₹3

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
    Revenue4,6224,3484,3594,4214,6194,6744,8774,9615,1274,9345,0415,141
    Interest695724767788829795813760785714745787
    Expenses3,2582,8112,8673,1733,3723,3203,4393,7423,7853,6253,5373,436
    Financing Profit668813725461419559625459557596759917
    Financing Margin %14%19%17%10%9%12%13%9%11%12%15%18%
    Other Income120127124135148158158176226253165161
    Depreciation5152495049-2353534323133
    Profit before tax7388887995455187197486007498168931,046
    Tax %26%25%26%26%26%26%26%26%26%25%26%26%
    Net Profit549662594404383534556445557609664778
    EPS in Rs₹5.78₹6.97₹6.25₹4.25₹4.03₹5.61₹5.84₹4.67₹5.85₹6.40₹6.98₹8.17
    Gross NPA %2.6%2.8%3.1%3.3%3.2%3.1%3.1%2.9%2.9%2.4%2.0%1.9%
    Net NPA %1.0%1.0%1.1%1.2%1.2%1.5%1.4%1.3%1.3%1.0%0.8%0.8%

    From company filings, updated 24 Oct 2026. Consolidated figures where the company reports them. Information only, not investment advice.

    Strengths, risks & growth

    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]

    Strengths

    None flagged by the checklist.

    Risks

    • Stock is trading at 3.02 times its book value
    • Company might be capitalizing the interest cost
    • Dividend payout has been low at 11.1% of profits over last 3 years

    Compounded Sales Growth

    10 Years
    +24%
    5 Years
    +16%
    3 Years
    +13%
    TTM
    +6%

    Compounded Profit Growth

    10 Years
    +23%
    5 Years
    +17%
    3 Years
    -1%
    TTM
    +36%

    Stock Price CAGR

    10 Years
    —
    5 Years
    -14%
    3 Years
    -11%
    1 Year
    -41%

    Return on Equity

    10 Years
    +20%
    5 Years
    +19%
    3 Years
    +17%
    Last Year
    +15%

    Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

    Shareholding pattern

    Percentage of shares held by each category at each quarter end
    HolderDec 2025Mar 2026Jun 2026Sept 2026Change
    Promoter68.58%68.92%68.86%68.86%0.00 pp
    FII10.14%9.54%8.98%7.12%-1.86 pp
    DII17.84%18.12%18.13%20.18%+2.05 pp
    Public3.42%3.42%4.02%3.82%-0.20 pp

    Filed with NSE for Sept 2026: promoters 68.86%, public 31.14% · XBRL filing

    Analysts & fund holdings

    58%
    58% recommend buy
    19 analysts cover the stock
    Valuation vs Diversified Financial Services
    P/E19.9 vs 16.4
    Sector P/B2.12
    Beta1.04

    Who holds the shares, quarter by quarter

    Mutual funds 13.00% (+2.20 pp)
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    Sept 26
    • Promoters68.9%
    • Foreign institutions7.1%
    • Mutual funds13.0%
    • Insurance6.7%
    • Other domestic institutions0.5%
    • Retail3.0%
    • Others0.8%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    ICICI Pru Large & Mid Cap Fund2.87%4.87%+0.13 pp
    ICICI Pru Multi Asset Allocation Fund2.35%1.44%-0.01 pp
    ICICI Pru India Opp Fund0.82%1.21%-0.01 pp
    Nippon India Multi Cap Fund0.70%0.70%-0.25 pp
    ICICI Pru Banking & Fin Serv Fund0.62%3.09%+0.21 pp

    Scorecard

    Performance
    Low
    Valuation
    High
    Growth
    Low
    Profitability
    High
    Entry point
    Good
    Red flags
    Low

    Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

    Risk & trend

    From 275 daily sessions to 23 Oct 2026.

    Computed

    Risk

    Volatility (1Y)
    27.6%
    Downside volatility
    28.9%
    Worst 5% of days
    3.3%
    Average of that tail
    4.1%
    Max drawdown (1Y)
    41.8%
    Below its peak
    41.8%

    Against the market

    Beta vs Nifty 50
    1.23
    Correlation
    0.59
    Relative strength (3M)
    -7.0%
    ATR (14)
    3.4%

    Return

    Return 1M
    -14.1%
    Return 3M
    -12.3%
    Return 6M
    -20.5%
    Return 1Y
    -40.4%
    vs 200-day average
    -18.6%

    Momentum

    RSI (14)
    34.4
    MACD histogram
    0.93
    Stochastic %K
    36.4
    ADX (14)
    34.9
    +DI / −DI
    10.3 / 31.0
    Money flow index
    42.9

    Participation

    Delivery (20d avg)
    44.4%
    vs its 60-day baseline
    -6.9 pts
    Volume vs 20-day
    +5.8σ
    Close vs day's VWAP
    -0.9%
    52-week position
    0 / 100

    These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.

    Financial quality

    From consolidated statements to 31 Mar 2026.

    Computed

    No F-Score: it needs two reporting periods a year apart that carry both an income statement and a balance sheet, and this company's filings do not yet line up that way. The ratios below need only the one period and are unaffected.

    Free cash flow
    ₹459 Cr
    FCF yield
    0.9%
    Net debt
    ₹42,097 Cr
    Net debt / equity
    2.68
    EV / sales
    5.26

    Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.

    Corporate actions

    • dividend
      ₹2.50

      Interim Dividend - Rs 2.50 Per Share

      11 Mar 2026
      ex-date
    • dividend
      ₹2.50

      Interim Dividend - Rs 2.50 Per Share

      25 Feb 2025
      ex-date
    • dividend
      ₹2.50

      Interim Dividend - Rs 2.50 Per Share

      28 Mar 2024
      ex-date
    • dividend
      ₹2.50

      Interim Dividend - Rs 2.50 Per Share

      29 Mar 2023
      ex-date
    • dividend
      ₹2.50

      Interim Dividend - Rs 2.50 Per Share

      30 Mar 2022
      ex-date
    • dividend
      Not available — not reported in this filing

      Interim Dividend - Re 1 Per Share

      15 May 2020
      ex-date

    Company announcements

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Insider Trading / SAST
    Closure of Trading Window

    Intimation of Closure of Trading Window

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Intimation of allotment of 685 Equity Shares pursuant to exercise of Employee Stock Options under the SBI Card-Employee Stock Option Plan 2023 (ESOP Plan 2023)

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

    Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet

    Company Update
    Announcement under Regulation 30 (LODR)-Press Release / Media Release

    Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release

    Company Update
    Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/s

    Appointment of M/s. V.K. Dhingra & Co. and M/s. S.P. Chopra & Co., Chartered Accountants, as the Joint Statutory Auditors of the Company for the Financial Year 2026-27 w.e.f. September 22, 2026

    Company Update
    Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations, 2015

    Intimation under SEBI (Prohibition of Insider trading Regulations), 2015

    Company Update
    Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015 -ESG Rating

    Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 -ESG Rating

    Filed with BSE (scrip 543066); the last 45 days. Documents open at bseindia.com.

    Documents

    Annual reports

    Earnings calls

    Credit ratings

    Documents open at BSE or the rating agency that issued them.

    Sourced from the company's NSE XBRL filing dated 24 Oct 2026 (unaudited). View the source filing. Figures are as filed and are not investment advice.

    FAQ

    SBI Cards: common questions

    Answered from the figures on this page.

    SBI Cards last traded at ₹545.55 (NSE, as of 25 Oct 2026). The last session moved it down 3.66%.

    SBI Cards is valued at about ₹51,917 crore (NSE, as of 25 Oct 2026).

    SBI Cards trades at a price-to-earnings ratio of 19.91 (NSE, as of 25 Oct 2026). The P/E compares the share price with earnings per share, so it is only comparable between companies in the same industry.

    SBI Cards has traded between ₹525.00 and ₹915.00 over the past 52 weeks, to 25 Oct 2026. It is currently 5% of the way up that range.

    SBI Cards (SBICARD) is classified under NBFC on this site's screener.