About
SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate, central travel, utility, and corporate purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited operates as a subsidiary of State Bank of India.
Key Metrics
as of Sep 2026Market Cap62,642 Cr
P/E27.50
Div Yield0.38 %
Book Value₹165.00
52w High₹965.00
52w Low₹565.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 3,537.00 | 3,625.00 | 3,785.00 | 3,742.00 | 3,439.00 | 3,320.00 | 3,372.00 | 3,173.00 | 2,867.00 | 2,811.00 | 3,258.00 | 2,760.00 | 2,631.00 |
| Other Income | 165.00 | 253.00 | 226.00 | 176.00 | 158.00 | 158.00 | 148.00 | 135.00 | 124.00 | 127.00 | 120.00 | 134.00 | 134.00 |
| Depreciation | 31.00 | 32.00 | 34.00 | 35.00 | 35.00 | -2.00 | 49.00 | 50.00 | 49.00 | 52.00 | 51.00 | 47.00 | 48.00 |
| Interest | 745.00 | 714.00 | 785.00 | 760.00 | 813.00 | 795.00 | 829.00 | 788.00 | 767.00 | 724.00 | 695.00 | 605.00 | 571.00 |
| Profit before tax | 893.00 | 816.00 | 749.00 | 600.00 | 748.00 | 719.00 | 518.00 | 545.00 | 799.00 | 888.00 | 738.00 | 809.00 | 797.00 |
| Tax % | 26.00 | 25.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 25.00 | 26.00 | 26.00 | 26.00 |
| Net Profit | 664.00 | 609.00 | 557.00 | 445.00 | 556.00 | 534.00 | 383.00 | 404.00 | 594.00 | 662.00 | 549.00 | 603.00 | 593.00 |
| EPS in Rs | 6.98 | 6.40 | 5.85 | 4.67 | 5.84 | 5.61 | 4.03 | 4.25 | 6.25 | 6.97 | 5.78 | 6.37 | 6.27 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 14,587.00 | 12,731.00 | 11,460.00 | 9,444.00 | 7,953.00 | 7,223.00 | 6,618.00 | 4,887.00 | 3,715.00 | 2,366.00 | 1,617.00 | 1,255.00 |
| Other Income | 806.00 | 563.00 | 498.00 | 615.00 | 622.00 | 413.00 | 471.00 | 270.00 | 175.00 | 124.00 | 100.00 | 82.00 |
| Interest | 3,072.00 | 3,178.00 | 2,595.00 | 1,648.00 | 1,027.00 | 1,043.00 | 1,301.00 | 1,009.00 | 712.00 | 528.00 | 436.00 | 378.00 |
| Depreciation | 136.00 | 147.00 | 197.00 | 164.00 | 149.00 | 123.00 | 104.00 | 55.00 | 24.00 | 5.00 | 1.00 | 1.00 |
| Profit before tax | 2,913.00 | 2,581.00 | 3,232.00 | 3,031.00 | 2,172.00 | 1,324.00 | 1,730.00 | 1,335.00 | 919.00 | 572.00 | 438.00 | 271.00 |
| Tax % | 26.00 | 26.00 | 25.00 | 25.00 | 26.00 | 26.00 | 28.00 | 35.00 | 35.00 | 35.00 | 35.00 | 1.00 |
| Net Profit | 2,167.00 | 1,916.00 | 2,408.00 | 2,258.00 | 1,616.00 | 985.00 | 1,245.00 | 865.00 | 601.00 | 373.00 | 284.00 | 267.00 |
| EPS in Rs | 22.77 | 20.14 | 25.32 | 23.87 | 17.14 | 10.47 | 13.26 | 10.33 | 7.66 | 4.75 | 3.62 | 3.40 |
| Dividend Payout % | 11.00 | 12.00 | 10.00 | 10.00 | 15.00 | 0.00 | 8.00 | 10.00 | 0.00 | 21.00 | 28.00 | 15.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 952.00 | 951.00 | 951.00 | 946.00 | 943.00 | 941.00 | 939.00 | 837.00 | 785.00 | 785.00 | 785.00 | 785.00 |
| Reserves | 14,774.00 | 12,830.00 | 11,133.00 | 8,884.00 | 6,810.00 | 5,362.00 | 4,402.00 | 2,751.00 | 1,568.00 | 664.00 | 370.00 | 181.00 |
| Other Liabilities | 6,539.00 | 6,817.00 | 6,196.00 | 4,606.00 | 3,913.00 | 2,816.00 | 2,393.00 | 3,009.00 | 1,920.00 | 1,048.00 | 797.00 | 593.00 |
| Total Liabilities | 66,328.00 | 65,546.00 | 58,171.00 | 45,546.00 | 34,648.00 | 27,013.00 | 25,307.00 | 20,146.00 | 15,686.00 | 10,765.00 | 7,880.00 | 6,257.00 |
| Fixed Assets | 219.00 | 320.00 | 542.00 | 551.00 | 439.00 | 308.00 | 311.00 | 196.00 | 242.00 | 24.00 | 2.00 | 2.00 |
| CWIP | 12.00 | 10.00 | 22.00 | 23.00 | 14.00 | 10.00 | 24.00 | 20.00 | 35.00 | 0.00 | 0.00 | 0.00 |
| Investments | 6,374.00 | 6,235.00 | 3,519.00 | 2,140.00 | 1,297.00 | 958.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 59,723.00 | 58,980.00 | 54,088.00 | 42,832.00 | 32,898.00 | 25,737.00 | 24,971.00 | 19,928.00 | 15,409.00 | 10,741.00 | 7,878.00 | 6,256.00 |
| Total Assets | 66,328.00 | 65,546.00 | 58,171.00 | 45,546.00 | 34,648.00 | 27,013.00 | 25,307.00 | 20,146.00 | 15,686.00 | 10,765.00 | 7,880.00 | 6,257.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 493.00 | -2,140.00 | -5,653.00 | -6,671.00 | -4,391.00 | 692.00 | -4,063.00 | -2,327.00 | -2,891.00 | -2,235.00 | -1,158.00 | -879.00 |
| Cash from Investing Activity | 245.00 | -2,491.00 | -1,255.00 | -921.00 | -538.00 | -997.00 | -77.00 | -76.00 | 128.00 | -1.00 | 1.00 | 1.00 |
| Cash from Financing Activity | -1,172.00 | 4,687.00 | 8,401.00 | 7,824.00 | 5,045.00 | 432.00 | 3,923.00 | 2,824.00 | 2,953.00 | 2,244.00 | 1,141.00 | 1,008.00 |
| Net Cash Flow | -434.00 | 55.00 | 1,492.00 | 232.00 | 115.00 | 127.00 | -218.00 | 422.00 | 190.00 | 9.00 | -17.00 | 130.00 |
| Free Cash Flow | 459.00 | -2,196.00 | -5,728.00 | -6,764.00 | -4,491.00 | 635.00 | -4,141.00 | -2,423.00 | -2,931.00 | -2,236.00 | -1,158.00 | -879.00 |
| CFO/OP % | 24.00 | -26.00 | -85.00 | -140.00 | -147.00 | 57.00 | -127.00 | -87.00 | -178.00 | -193.00 | -138.00 | -142.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
6 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 11 Mar 2026 | 11 Mar 2026 | — | 2.50 | |
| Dividend | 25 Feb 2025 | 25 Feb 2025 | — | 2.50 | |
| Dividend | 28 Mar 2024 | 28 Mar 2024 | — | 2.50 | |
| Dividend | 29 Mar 2023 | 29 Mar 2023 | — | 2.50 | |
| Dividend | 30 Mar 2022 | 31 Mar 2022 | — | 2.50 | |
| Dividend | 15 May 2020 | 18 May 2020 | — | 1.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update25 Jun from crisil
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Rating update28 Apr from crisil
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Rating update24 Mar from crisil
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Rating update31 Dec 2025 from crisil
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Rating update14 Nov 2025 from crisil
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Rating update24 Oct 2025 from icra