SBI Cards

    SBICARD
    Diversified
    ₹655.20
    price as of 11/9/2026, 5:28:06 pm

    Market cap ₹62,352 Cr

    P/E
    27.39
    Day range
    ₹650.05 – ₹665.15
    52-week range
    ₹565.45 – ₹965.00
    Volume
    15.72 L
    Open
    ₹665.00
    Prev close
    ₹666.30
    52-week range, adjusted for splits and bonuses
    ₹565.45₹965
    11 Jun 202623 Oct 2025
    Index membership & F&O
    NIFTY 200NIFTY 500NIFTY MIDCAP 150NIFTY FINANCIAL SERVICESF&O lot 800

    Price history

    6M change -8.36%RSI (14) 52.7 NeutralSMA 20 · 50 overlaid

    Price & delivery on the exchange

    NSE bhavcopy to 11 Sept 2026 · delivery 61.2% today vs 45.5% average · BSE close ₹656.05

    1 Apr23 Apr15 May5 Jun24 Jun15 Jul3 Aug21 Aug11 Sept₹560₹600₹640₹680₹7200%25%50%75%100%
    • Delivery
    • NSE close
    • BSE close

    High delivery with a rising price suggests buyers holding rather than trading the move.

    Futures & options

    NSE F&O close, 11 Sept 2026 · options expiring 29 Sept 2026

    Short build-up
    Near-month future
    ₹659.1
    Change
    -1.60%
    Basis over spot
    +₹3.90
    Futures OI (shares)
    1.99 Cr
    OI change
    +0.86%
    Put-call ratio
    0.71
    Max pain
    ₹650
    Resistance (call OI)
    ₹700
    Support (put OI)
    ₹650
    Lot size
    800

    Open interest by strike

    Calls open above (resistance) and puts below (support), in shares

    54057059061063065067069071073075078003.5 L7.0 L10.5 L14.0 Lspot
    • Call OI
    • Put OI

    Futures open interest and price

    Near-month future, day by day since collection began

    The daily history builds from each close.

    Key metrics

    P/E (TTM)
    27.8
    EPS (TTM)
    ₹23.90
    ROE (FY26)
    14.7%
    Dividend yield
    0.38%

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +13.3%
    Profit 3Y CAGR
    -1.4%
    Revenue YoY (Jun 2026)
    +3.4%
    Profit YoY (Jun 2026)
    +19.4%
    Net margin
    13.2%

    Revenue, profit & margin - quarterly

    Bars in ₹ crore (a loss shows red); line is operating margin

    Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025Jun 20260 Cr1.5K Cr3.0K Cr4.5K Cr6.0K Cr
    • Revenue
    • Net profit
    • Operating margin

    Who owns the company

    Shareholding as of Jun 2026

    • 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 2026-9.0K Cr-4.5K Cr0 Cr4.5K Cr9.0K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY17FY18FY19FY20FY21FY22FY23FY24FY25FY260%8%16%24%32%15%

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); line is debt-to-equity

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 20260 Cr15.0K Cr30.0K Cr45.0K Cr60.0K Cr0.0x2.0x4.0x6.0x8.0x
    • Equity
    • Debt
    • Debt / equity

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
    Revenue4,0874,6224,3484,3594,4214,6194,6744,8774,9615,1274,9345,041
    Interest605695724767788829795813760785714745
    Expenses2,7603,2582,8112,8673,1733,3723,3203,4393,7423,7853,6253,537
    Financing Profit722668813725461419559625459557596759
    Financing Margin %18%14%19%17%10%9%12%13%9%11%12%15%
    Other Income134120127124135148158158176226253165
    Depreciation475152495049-23535343231
    Profit before tax809738888799545518719748600749816893
    Tax %26%26%25%26%26%26%26%26%26%26%25%26%
    Net Profit603549662594404383534556445557609664
    EPS in Rs₹6.37₹5.78₹6.97₹6.25₹4.25₹4.03₹5.61₹5.84₹4.67₹5.85₹6.40₹6.98
    Gross NPA %2.4%2.6%2.8%3.1%3.3%3.2%3.1%3.1%2.9%2.9%2.4%2.0%
    Net NPA %0.9%1.0%1.0%1.1%1.2%1.2%1.5%1.4%1.3%1.3%1.0%0.8%

    From company filings, updated 11 Sept 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 3.96 times its book value
    • 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
    +8%

    Compounded Profit Growth

    10 Years
    +23%
    5 Years
    +17%
    3 Years
    -1%
    TTM
    +21%

    Stock Price CAGR

    10 Years
    —
    5 Years
    -10%
    3 Years
    -8%
    1 Year
    -23%

    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
    HolderSept 2025Dec 2025Mar 2026Jun 2026Change
    Promoter68.59%68.58%68.92%68.86%-0.06 pp
    FII10.10%10.14%9.54%8.98%-0.56 pp
    DII17.76%17.84%18.12%18.13%+0.01 pp
    Public3.56%3.42%3.42%4.02%+0.60 pp

    Filed with NSE for Jun 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/E27.4 vs 16.6
    Sector P/B2.14
    Beta1.00

    Who holds the shares, quarter by quarter

    Mutual funds 10.80% (+0.15 pp)
    Mar 25
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    • Promoters68.9%
    • Foreign institutions9.0%
    • Mutual funds10.8%
    • Insurance6.6%
    • Other domestic institutions0.8%
    • Retail3.1%
    • Others0.9%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    ICICI Pru Large & Mid Cap Fund2.78%5.11%+0.38 pp
    ICICI Pru Multi Asset Allocation Fund2.18%1.53%+0.09 pp
    ICICI Pru India Opp Fund0.79%1.28%+0.06 pp
    Nippon India Multi Cap Fund0.68%0.75%-0.20 pp
    ICICI Pru Banking & Fin Serv Fund0.55%3.04%+0.17 pp

    Scorecard

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

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

    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 - 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
    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

    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
    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

    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

    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

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Scrutinizer's Report

    Voting Results of the 28th Annual General Meeting held on August 31, 2026 and the Consolidated Scrutinizer''s Report.

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Outcome of AGM

    Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Proceedings of the 28th Annual General Meeting of the Company held on August 31, 2026

    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 - Cancellation of Schedule of Investor(s)/Analyst(s) ....

    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
    Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011

    The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for ICICI Prudential Mutual Fund

    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 - Cancellation of Schedule of Investor(s)/Analyst(s) ....

    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

    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 28 Jan 2025 (unaudited). View the source filing. Figures are as filed and are not investment advice.