SBI Cards and Payment Services Ltd. Q1 FY26 Results:
Profit after tax for the period declined 6.5% to ₹556 crores in Q1 FY26, from ₹594.5 crores in Q1 FY25. Total income for the quarter increased 12% year-on-year to ₹5,035 crores, from ₹4,483 crores.
About SBI Cards & Payment Services Ltd
SBI Cards and Payment Services Ltd. is a leading credit card issuer and payment solutions provider in India. The company was initiated in 1998. It has rapidly evolved to become a significant player in the financial services landscape. The headquarters of the company is located in Gurugram, Haryana. SBI Cards and Payments Services offers a comprehensive range of credit cards. This includes lifestyle, travel, corporate, and premium banking cards. Its main products focus on providing innovative credit solutions to diverse customer segments. The company operates in the financial services and payment technology sector. +
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LOGINOver 1 Month
-4.08%
Over 6 Months
-2.78%
Over 1 Year
31.33%
Over 3 Years
11.52%
SBI Cards & Payment Services Ltd Summary
Close ₹889.20
Open ₹875
High ₹894.65
Low ₹873.95
Volume 7,01,225
Net Turnover (in Cr) ₹62.04
52Wk High ₹1,027.25
52Wk Low ₹663.05
52Wk High / Low
663.05
1,027.25
SBI Cards & Payment Services Ltd Fundamentals
Key Financial Data
Market Cap (in Cr) ₹84,611.60
EPS (TTM) 20.16
Book Value (BV) 155.42
Div. Yield 0.28 %
P/E (TTM) 44.09
Price/Book Value 5.72
Delivery % 40.53 %
Face Value 10
Key Ratios
PE Ratio 43.80
PB Ratio 6.09
EV to Sales 6.98
PEG Ratio -2.14
ROA 3.26
ROE 14.82
Debt-Equity 3.28
Net Profit Margin 10.28
Operating Profit Margin 31.69
SBI Cards & Payment Services Ltd Financials
Profit and Loss
No data available
Balance Sheet
No data available
Cash Flow
No data available
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 18,637.15 | 17,483.50 | 14,285.67 | 11,301.52 | 9,713.58 |
| Total Expenses | 16,056.47 | 14,251.70 | 11,255.10 | 9,129.36 | 8,389.85 |
| Profit Before Tax | 2,580.68 | 3,231.80 | 3,030.57 | 2,172.16 | 1,323.73 |
| Profit After Tax | 1,916.41 | 2,407.88 | 2,258.47 | 1,616.14 | 984.52 |
| Operating Profit After Depreciation | 2,580.68 | 3,231.80 | 3,030.57 | 2,172.16 | 1,323.73 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 330.11 | 564.31 | 567.59 | 453.21 | 317.68 |
| Total Non Current Assets | 60,942.76 | 53,517.10 | 42,320.99 | 32,156.67 | 25,129.96 |
| Total Current Assets | 4,603.04 | 4,654.13 | 3,224.57 | 2,491.76 | 1,882.90 |
| Total Assets | 65,545.80 | 58,171.23 | 45,545.56 | 34,648.43 | 27,012.86 |
| Total Shareholder's Fund | 13,781.72 | 12,084.03 | 9,830.06 | 7,752.70 | 6,302.03 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | -2,140.46 | -5,653.38 | -6,670.51 | -4,391.46 | 692.32 |
| Net Cash Used In Investing Activities | -2,490.57 | -1,254.94 | -921.44 | -538.12 | -996.78 |
| Net Cash Used In Financing Activities | 4,686.51 | 8,400.58 | 7,823.58 | 5,044.54 | 431.75 |
No data available
| Particulars (in ₹ Cr.) | 2025-09 | 2025-06 | 2025-03 | 2024-12 | 2024-09 |
|---|---|---|---|---|---|
| Total Revenue | 4,960.98 | 4,876.92 | 4,673.95 | 4,618.69 | 4,421.04 |
| Total Expenses | 4,501.70 | 4,252 | 4,114.90 | 4,200.17 | 3,960.26 |
| Profit Before Tax | -160.30 | -64.46 | -76.73 | -311.01 | -242.47 |
| Profit After Tax | 444.77 | 555.96 | 534.18 | 383.23 | 404.42 |
| Operating Profit after Depreciation | 634.78 | 783.39 | 716.84 | 566.39 | 595.56 |
SBI Cards & Payment Services Ltd Technicals
Support and Resistance
S3 S2 S1 Pivot R1 R2 R3
S1 877.22
S2 865.23
S3 856.52
Pivot 885.93
R1 897.92
R2 906.63
R3 918.62
Moving Average
20 SMA 895.06
50 SMA 885.87
100 SMA 873.83
200 SMA 875.44
SBI Cards & Payment Services Ltd Corporate Actions
SBI Cards & Payment Services Ltd
₹2.5/Share
Announcement Date 25 Feb 2025
Record Date 25 Feb 2025
Div Yield 25%
SBI Cards & Payment Services Ltd Peer Comparison
| Company | Price | Market Cap (in Cr) |
|---|---|---|
| Bajaj Finance Ltd | ₹1,026.45 | ₹6,38,706.65 |
| Bajaj Finserv Ltd | ₹2,079.65 | ₹3,32,289.23 |
| Jio Financial Services Ltd | ₹312 | ₹1,98,222.47 |
| Indian Railway Finance Corporation Ltd | ₹122.70 | ₹1,60,350.57 |
| Shriram Finance Ltd | ₹816.75 | ₹1,53,653.56 |
SBI Cards & Payment Services Ltd Top Mutal Funds Invested
| Fund Name | AUM |
|---|---|
| Nippon India Focused Fund | 4.14% |
| Nippon India Banking&Financial Services | 3.92% |
| ICICI Pru Large & Mid Cap Fund | 3.68% |
| Tata Large & Mid Cap Fund | 3.53% |
| HSBC Midcap Fund | 3.10% |
SBI Cards & Payment Services Ltd News
SBI Cards & Payment Services receives affirmation in credit ratings
From CRISIL
18 Nov 2025, 09:32 am
Volumes soar at SBI Cards & Payment Services Ltd counter
SBI Cards & Payment Services Ltd clocked volume of 20.71 lakh shares by 10:46 IST on BSE, a 97.6 times surge over two-week average daily volume of 21217 shares
13 Nov 2025, 11:00 am
SBI Cards Q2 PAT jumps 10% YoY to Rs 445 cr
SBI Cards and Payment Services reported 9.97% jump in standalone net profit to Rs 444.77 crore in Q2 FY26 as against Rs 404.42 crore posted in Q2 FY25.
25 Oct 2025, 12:18 pm
SBI Cards & Payment Services to hold board meeting
On 24 October 2025
16 Oct 2025, 04:41 pm
SBI Cards launches co-branded credit card 'lndiGo SBI Card'
25 Sep 2025, 01:15 pm
SBI Cards & Payment Services Ltd Stock Analysis
- Annual revenue for SBI Cards & Payment Services Ltd increased by 6.60% to ₹18,637.15 crore in FY 2025 from ₹17,483.50 crore in FY 2024.
- Annual Net Profit for SBI Cards & Payment Services Ltd decreased by 20.41% to ₹1,916.41 crore in FY 2025 from ₹2,407.88 crore in FY 2024.
- Promoter Shareholding in SBI Cards & Payment Services Ltd remains unchanged by 0.00% in the most recent quarter, from 68.59% in June 2025 to 68.59% in September 2025.
- SBI Cards & Payment Services Ltd delivered a 1-year return of 31.33% compared to the Nifty 50, which provided a return of 10.91% as of the last trading session.
- SBI Cards & Payment Services Ltd share price moved down by 1.15% from its previous close of INR ₹889.20. The latest SBI Cards & Payment Services Ltd share price is INR ₹879.
- SBI Cards & Payment Services Ltd share price today has been at a low of 876.05 and a high of 889.30. Over the past 52 weeks, the SBI Cards & Payment Services Ltd share price has seen a low of 663.05 and a high of 1,027.25.
About SBI Cards & Payment Services Ltd
The leading credit card and digital payment solutions provider in India is SBI Cards and Payment Services Ltd. The company was established in 1998 as a subsidiary of the State Bank of India (SBI). Its headquarters is located in Gurugram, Haryana. SBI Cards has solidified its position in the financial services sector by offering a diverse range of credit card products.
The State Bank of India is the primary promoter, holding 68.61% of the company's promoter shareholding. This significant ownership provides SBI Cards with strong financial strength, market credibility, and an extensive operational network. Leveraging its parent bank's reputation, the company has successfully carved out a prominent space in India's competitive financial technology landscape.
With its comprehensive suite of payment solutions and strong institutional backing, SBI Cards continues to be a key player in transforming digital payment experiences across the country.
SBI Cards' main products include a diverse range of credit cards catering to various customer segments. This has helped them position themselves as the second-largest credit card issuer in India, with a significant market share in the credit card ecosystem. SBI Cards is not the absolute largest player by market capitalization. However, it is a dominant force in the credit card and payment services segment.
The registered office of SBI Cards and Payment Services Ltd. is located at Netaji Subhash Place, Wazirpur, New Delhi-110034, India. The company’s registrar and transfer agent is Link Intime India Private Limited. The company's leadership is comprised of experienced professionals. They bring extensive expertise in financial services. The key managerial promoters of the company include:
With its strong business model, strong parentage, and innovative approach, SBI Cards and Payment Services Ltd. continues to be a significant player in India's credit card and digital payment ecosystem.
Market Leadership and Innovative Product Development The company's success fundamentally stems from its ability to develop innovative credit card products that cater to diverse customer segments. SBI Cards has created a comprehensive portfolio of credit cards ranging from entry-level to premium offerings. Thus, it has successfully addressed the varied financial needs of different consumer groups. The organization has continuously evolved its product lineup. They do this by introducing specialized cards for travel, lifestyle, and banking segments. This extensive product lineup enables the company to expand its market reach and customer base.
Digital Transformation and Technological Integration SBI Cards has positioned itself at the forefront of digital financial innovation by seamlessly integrating advanced technological solutions into its core business model. The company has developed sophisticated digital platforms that offer seamless, secure, and user-friendly payment experiences. The organization has implemented advanced data analytics and created intuitive mobile applications. This has helped it transform how customers interact with credit card services
Customer-Centric Approach and Financial Inclusion Beyond traditional business metrics, SBI Cards has distinguished itself through a profound commitment to customer-centric financial solutions. The company has developed credit products that go beyond transactional relationships. They do this by focusing on financial education and creating pathways for financial empowerment. Additionally, SBI Cards offers flexible credit solutions and provides comprehensive customer support. Thus, it has built a loyal customer base and contributed to broader financial inclusion objectives.
Risk Management and Operational Excellence The company's success is underpinned by its sophisticated risk management capabilities. SBI Cards has developed advanced credit assessment mechanisms, leveraging data analytics and technological tools to minimize default risks while expanding credit accessibility. This balanced approach has enabled the organization to maintain healthy financial performance, manage credit risks effectively, and create sustainable growth strategies.
Ecosystem Expansion and Strategic Partnerships SBI Cards has consistently expanded its ecosystem through strategic partnerships with merchants, financial institutions, and technology platforms. The company has also created integrated payment solutions, developed co-branded credit card programs, and established comprehensive merchant networks. This enables it to create multiple revenue streams and enhance its market positioning.
The success of SBI Cards and Payment Services Ltd. represents more than just financial achievement; it embodies a transformative journey of contributing to India's digital financial ecosystem. The organization's success story is characterized by its ability to continuously adapt, innovate, and create meaningful financial solutions that address the evolving needs of Indian consumers.
The State Bank of India is the primary promoter, holding 68.61% of the company's promoter shareholding. This significant ownership provides SBI Cards with strong financial strength, market credibility, and an extensive operational network. Leveraging its parent bank's reputation, the company has successfully carved out a prominent space in India's competitive financial technology landscape.
With its comprehensive suite of payment solutions and strong institutional backing, SBI Cards continues to be a key player in transforming digital payment experiences across the country.
SBI Cards' main products include a diverse range of credit cards catering to various customer segments. This has helped them position themselves as the second-largest credit card issuer in India, with a significant market share in the credit card ecosystem. SBI Cards is not the absolute largest player by market capitalization. However, it is a dominant force in the credit card and payment services segment.
The registered office of SBI Cards and Payment Services Ltd. is located at Netaji Subhash Place, Wazirpur, New Delhi-110034, India. The company’s registrar and transfer agent is Link Intime India Private Limited. The company's leadership is comprised of experienced professionals. They bring extensive expertise in financial services. The key managerial promoters of the company include:
- Dinesh Kumar Khara
- Abhijit Chakravorty
- Rajendra Kumar Saraf
- Dinesh Kumar Mehrotra
- Anuradha Shripad Nadkarni
With its strong business model, strong parentage, and innovative approach, SBI Cards and Payment Services Ltd. continues to be a significant player in India's credit card and digital payment ecosystem.
The success of the Company
Among all the current financial services, SBI Cards and Payment Services Ltd. has emerged as a remarkable success story, transforming the credit card and digital payment ecosystem in India. Since its inception, the company has navigated complex market dynamics and technological disruptions to establish itself as a leading financial services provider. Its success is a testament to its strategic vision, innovative approach, and ability to create value in an increasingly competitive financial marketplace.Market Leadership and Innovative Product Development The company's success fundamentally stems from its ability to develop innovative credit card products that cater to diverse customer segments. SBI Cards has created a comprehensive portfolio of credit cards ranging from entry-level to premium offerings. Thus, it has successfully addressed the varied financial needs of different consumer groups. The organization has continuously evolved its product lineup. They do this by introducing specialized cards for travel, lifestyle, and banking segments. This extensive product lineup enables the company to expand its market reach and customer base.
Digital Transformation and Technological Integration SBI Cards has positioned itself at the forefront of digital financial innovation by seamlessly integrating advanced technological solutions into its core business model. The company has developed sophisticated digital platforms that offer seamless, secure, and user-friendly payment experiences. The organization has implemented advanced data analytics and created intuitive mobile applications. This has helped it transform how customers interact with credit card services
Customer-Centric Approach and Financial Inclusion Beyond traditional business metrics, SBI Cards has distinguished itself through a profound commitment to customer-centric financial solutions. The company has developed credit products that go beyond transactional relationships. They do this by focusing on financial education and creating pathways for financial empowerment. Additionally, SBI Cards offers flexible credit solutions and provides comprehensive customer support. Thus, it has built a loyal customer base and contributed to broader financial inclusion objectives.
Risk Management and Operational Excellence The company's success is underpinned by its sophisticated risk management capabilities. SBI Cards has developed advanced credit assessment mechanisms, leveraging data analytics and technological tools to minimize default risks while expanding credit accessibility. This balanced approach has enabled the organization to maintain healthy financial performance, manage credit risks effectively, and create sustainable growth strategies.
Ecosystem Expansion and Strategic Partnerships SBI Cards has consistently expanded its ecosystem through strategic partnerships with merchants, financial institutions, and technology platforms. The company has also created integrated payment solutions, developed co-branded credit card programs, and established comprehensive merchant networks. This enables it to create multiple revenue streams and enhance its market positioning.
The success of SBI Cards and Payment Services Ltd. represents more than just financial achievement; it embodies a transformative journey of contributing to India's digital financial ecosystem. The organization's success story is characterized by its ability to continuously adapt, innovate, and create meaningful financial solutions that address the evolving needs of Indian consumers.
FAQ’s
What is the share price of SBI Cards & Payment Services Ltd today?
SBI Cards & Payment Services Ltd share price as on 18 Nov 2025 is ₹ 879.0
What is the Market Cap of SBI Cards & Payment Services Ltd?
The market cap of SBI Cards & Payment Services Ltd stock is ₹84,611.60 Cr.
What is the PE Ratio of SBI Cards & Payment Services Ltd?
The Price to Earnings (P/E) Ratio of SBI Cards & Payment Services Ltd is 43.80
What is the PB Ratio of SBI Cards & Payment Services Ltd?
The Price to Book (P/B) Ratio of SBI Cards & Payment Services Ltd is 6.09
What is the 52 week high of SBI Cards & Payment Services Ltd Share Price?
The 52 week high of SBI Cards & Payment Services Ltd share price stands at ₹1,027.25
What is the 52 week low of SBI Cards & Payment Services Ltd Share Price?
The 52 week low of SBI Cards & Payment Services Ltd share price stands at ₹663.05
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