SBI CARDS AND PAYMENT SERVICES LIMITED

BSE: SBICARD543066ISIN INE018E01016

Financial Services
Non Banking Financial Company (NBFC)
BSE 200

Share price

₹553.00+16.85 (+3.14%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹906.55
52W low: ₹519.25
Off 52W high: -39.00%
1M return: -2.47%
3M return: -16.83%
6M return: -14.90%
1Y return: -37.17%
20D avg volume: 1,20,190
50 DMA: ₹598.73
200 DMA: ₹656.33

Key ratios Standalone

Market cap: ₹52,626 Cr
Current price: ₹553.00
52W high / low: ₹906.55 / ₹519.25
Face value: ₹10.00
P/E: 20.18
P/B: 4.02
EPS (TTM): ₹27.41
Book value / share: ₹137.56
ROE: 19.92%
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 2.39
Net debt: ₹35,517 Cr
Interest cover: 1.95
Dividend yield: 0.45%
Dividend / share (TTM): ₹2.50
Payout: 9.12%
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	5,141	5,041	4,934	5,127	4,961	4,877	4,674	4,619	4,421	4,359	4,348	4,622
	161.14	164.81	252.54	226.16	175.50	158.47	157.79	147.87	134.78	123.95	126.85	119.90
	5,302	5,205	5,187	5,353	5,136	5,035	4,832	4,767	4,556	4,483	4,475	4,742
	4,256	4,312	4,371	4,604	4,537	4,287	4,113	4,249	4,011	3,683	3,586	4,004
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	180.68	206.77	157.61	184.35	157.62	161.42	154.25	152.28	148.77	134.13	132.22	144.37
	787.27	744.53	713.62	785.07	760.07	812.82	795.26	828.64	787.68	766.83	723.82	695.49
	32.54	30.51	32.32	33.88	35.01	35.03	-1.69	48.76	50.35	49.37	51.63	50.78
	2,102	1,986	1,961	2,032	2,022	1,739	1,725	—	—	—	—	—
	1,046	893.13	815.91	749.11	599.77	748.36	718.53	517.63	545.21	799.17	888.16	737.59
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	1,046	893.13	815.91	749.11	599.77	748.36	718.53	517.63	545.21	799.17	888.16	737.59
	268.12	228.69	206.61	192.47	155.00	192.40	184.35	—	—	—	—	—
	777.60	664.44	609.30	556.64	444.77	555.96	534.18	383.23	404.42	594.45	662.37	549.08
	8.17	6.98	6.40	5.85	4.67	5.84	5.62	4.03	4.25	6.25	6.97	5.78
Key metrics
	—	—	—	—	—	—	—	1,395	1,383	1,615	1,664	1,484
	—	—	—	—	—	—	—	30.20%	31.30%	37.10%	38.30%	32.10%
	15.10%	13.20%	12.30%	10.90%	9.00%	11.40%	11.40%	8.30%	9.10%	13.60%	15.20%	11.90%
	3.60%	3.40%	5.60%	11.00%	12.20%	11.90%	7.50%	-0.10%	—	—	—	—
	74.80%	19.50%	14.10%	45.20%	10.00%	-6.50%	-19.40%	-30.20%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	20,243	19,900	18,072	16,968	13,667	10,677
	804.65	807.99	564.93	515.08	619.03	624.25
	21,047	20,708	18,637	17,484	14,286	11,302
	17,544	17,794	16,056	14,252	11,255	9,129
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	729.41	661.01	589.56	569.69	561.89	472.71
	3,030	3,072	3,178	2,595	1,648	1,027
	129.25	136.25	146.82	196.75	163.81	148.56
	8,081	7,750	6,637	—	—	—
	3,504	2,913	2,581	3,232	3,031	2,172
	0.00	0.00	0.00	0.00	0.00	0.00
	3,504	2,913	2,581	3,232	3,031	2,172
	895.89	746.48	664.27	—	—	—
	2,608	2,167	1,916	2,408	2,258	1,616
	27.40	22.77	20.15	25.39	23.92	17.16
Key metrics
	—	—	—	6,024	4,842	3,348
	—	—	—	35.50%	35.40%	31.40%
	12.88%	10.90%	10.60%	14.20%	16.50%	15.10%
	5.81%	10.10%	6.50%	24.20%	28.00%	—
	35.96%	13.10%	-20.40%	6.60%	39.70%	—
	—	459.39	-2,196	—	—	—
	—	0.23	-1.12	—	—	—
	—	2.39	2.79	—	—	—
	—	35,517	35,926	—	—	—
Balance sheet
	—	66,328	65,546	—	—	—
	—	2,104	2,538	—	—	—
	—	283.10	235.50	—	—	—
	—	0.00	0.00	—	—	—
	—	157.96	226.75	—	—	—
	—	37,621	38,463	—	—	—
	—	15,726	13,782	—	—	—
Cash flow
	—	493.03	-2,140	—	—	—
	—	245.47	-2,491	—	—	—
	—	-1,172	4,687	—	—	—
	—	33.64	55.76	—	—	—

Compounded growth

Sales CAGR 3Y: +13.34%
Sales CAGR 5Y: —
Profit CAGR 3Y: -1.37%
Profit CAGR 5Y: —
Sales YoY (TTM): +5.81%
Profit YoY (TTM): +35.96%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 68.86%

Quarter	September 2026	June 2026
Promoter %	68.86%	68.86%

Holder	Type	Holding	Previous	Change
State Bank of India	Promoter	68.58%	68.58%	0.00%
Icici Prudential Large & Mid Cap Fund	Public	7.71%	7.09%	+0.62%
Life Insurance Corporation Of India - P & Gs Fund	Public	6.11%	6.11%	0.00%
Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund	Public	2.16%	2.38%	-0.22%
Government Pension Fund Global	Public	1.80%	1.30%	+0.50%
SBI Large & Mid Cap Fund	Public	1.00%	—	—
SBI Life Insurance Company Limited	Promoter Group	0.28%	0.28%	0.00%
SBI (Mauritius) Limited	Promoter Group	0.00%	0.00%	0.00%
Bank of Bhutan Limited	Promoter Group	0.00%	0.00%	0.00%
C-Edge Technologies Limited	Promoter Group	0.00%	0.00%	0.00%
SBI General Insurance Company Limited	Promoter Group	0.00%	0.00%	0.00%
SBICAP Securities Limited	Promoter Group	0.00%	0.00%	0.00%
State Bank Operations Support Services Private Limited	Promoter Group	0.00%	0.00%	0.00%
Telangana Grameena Bank	Promoter Group	0.00%	0.00%	0.00%
SBI Funds Management (International) Private Limited	Promoter Group	0.00%	0.00%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Finance Limited	6,18,269	993.05	28.02	—	+18.82% TTM	+18.85% TTM	-6.05%
Shriram Finance Limited	2,13,119	905.70	16.80	—	+13.76% TTM	+28.60% TTM	+13.74%
Tata Capital Limited	1,43,392	337.80	23.16	—	—	—	+2.57%
Cholamandalam Investment and Finance Company Ltd	1,42,265	1,659.05	22.87	—	+21.13% TTM	+33.94% TTM	-5.48%
MUTHOOT FINANCE LIMITED	1,08,792	2,709.85	8.83	—	+47.27% TTM	+70.66% TTM	-15.07%
L&T Finance Limited	66,033	263.45	19.22	—	+20.11% TTM	+27.39% TTM	-5.93%
SBI CARDS AND PAYMENT SERVICES LIMITED S	52,626	553.00	20.18	—	+5.81% TTM	+35.96% TTM	-37.17%
Piramal Finance Limited	45,975	1,942.90	24.08	—	—	—	—
SUNDARAM FINANCE LTD	44,403	3,996.55	27.42	—	—	—	-16.26%
Authum Investment & Infrastructure Limited	43,913	517.10	25.16	—	-24.30% TTM	-56.50% TTM	-10.17%
HDB FINANCIAL SERVICES LIMITED S	42,098	506.65	14.22	—	—	—	-30.70%
POONAWALLA FINCORP LIMITED	41,349	469.55	38.02	—	+75.12% TTM	+399.21% TTM	-0.70%
Mahindra & Mahindra Financial Services Limited	37,542	270.05	10.42	—	+14.94% TTM	+45.99% TTM	-15.21%
Manappuram Finance Limited	29,495	314.00	20.41	—	+4.79% TTM	+85.35% TTM	+17.85%
IIFL FINANCE LIMITED	24,697	578.65	9.35	—	+35.37% TTM	+157.78% TTM	+7.38%
Capri Global Capital Limited	23,121	240.30	17.65	—	+52.88% TTM	+82.77% TTM	+21.89%
Five-Star Business Finance Ltd. S	11,724	397.15	10.50	—	+8.28% TTM	+1.05% TTM	-39.17%
SBFC Finance Limited	9,820	88.32	28.37	—	+28.23% TTM	+45.63% TTM	-24.80%
PAISALO DIGITAL LIMITED	7,279	77.43	27.42	—	+23.60% TTM	+27.97% TTM	+101.17%
Bengal & Assam Company Limited	6,477	5,680.00	8.29	—	+12.05% TTM	+3.26% TTM	-25.74%
Fedbank Financial Services Limited S	5,923	157.85	13.66	—	+21.29% TTM	+76.56% TTM	+10.46%
Mrugesh Trading Ltd. S	5,665	78.41	—	-0.30%	+21.12% TTM	+94.74% TTM	+3,464.09%
SG FINSERVE LIMITED S	4,670	708.75	24.95	—	+104.57% TTM	+86.47% TTM	+85.76%
MAS Financial Services Limited	4,607	253.90	10.89	—	+22.72% TTM	+23.77% TTM	-19.01%
Northern Arc Capital Ltd.	4,481	276.95	9.38	—	+29.02% TTM	+70.21% TTM	+0.64%

Filings & corporate actions

Recent announcements

Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Transcript - SBI Card Q2''FY 27 Earnings Call29 Oct 2026 · Company Update / Earnings Call Transcript
Intimation of allotment of 5,560 Equity shares pursuant to exercise of Employee Stock Options under the SBI Card- Employee Stock Option Plan 2019 (ESOP Plan 2019) and Employee Stock Option ....29 Oct 2026 · Company Update / Allotment of ESOP / ESPS
Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release28 Oct 2026 · Company Update / Press Release / Media Release
Disclosure under Regulation 30 and 47 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Newspaper Advertisements - Unaudited Financial Results of the Company ....24 Oct 2026 · Company Update / Newspaper Publication
Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Audio recording -SBI Card Q2 FY'27 Earnings Call23 Oct 2026 · Company Update / Analyst / Investor Meet
Credit Rating intimation under Regulation 30 of SEBI (LODR) Regulations, 201523 Oct 2026 · Company Update / Credit Rating
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release23 Oct 2026 · Company Update / Press Release / Media Release
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Investor Presentation for Q2 FY'2723 Oct 2026 · Company Update / Investor Presentation
Unaudited Financial Results of the Company for the quarter and the half year ended September 30, 2026 along with the disclosures in accordance with Regulation 52(4) of the SEBI (Listing ....23 Oct 2026 · Result / Financial Results
Outcome of Board Meeting held on October 23, 2026 - Unaudited Financial Results of the Company for the quarter and the half year ended September 30, 202623 Oct 2026 · Board Meeting / Outcome of Board Meeting
Intimation of the Earnings Call with analysts/investors under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 201519 Oct 2026 · Company Update / Analyst / Investor Meet
SBI Cards And Payment Services Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 23/10/2026 ,inter alia, to consider and approve the unaudited ....19 Oct 2026 · Board Meeting / Board Meeting
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015- Vesting of Options Under SBI Card Employee Stock Option Plan 2023 (ESOP Plan 2023)18 Oct 2026 · Company Update / General
Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Product Launch15 Oct 2026 · Company Update / General
Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release15 Oct 2026 · Company Update / Press Release / Media Release
Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 20267 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
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) Meet30 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet29 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet28 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet28 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet25 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet25 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Closure of Trading Window25 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
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)25 Sep 2026 · Company Update / Allotment of ESOP / ESPS
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) Meet24 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet24 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet23 Sep 2026 · Company Update / Analyst / Investor Meet
Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release23 Sep 2026 · Company Update / Press Release / Media Release
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, 202622 Sep 2026 · Company Update / Appointment of Statutory Auditor/s
Intimation under SEBI (Prohibition of Insider trading Regulations), 201521 Sep 2026 · Company Update / Code of Conduct under SEBI (PIT) Regulations, 2015
Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 -ESG Rating18 Sep 2026 · Company Update / General
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) Meet17 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet15 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet15 Sep 2026 · Company Update / Analyst / Investor Meet
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) Meet11 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation under regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 -ESG Rating9 Sep 2026 · Company Update / General
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) Meet8 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation under regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 -ESG Rating5 Sep 2026 · Company Update / General
Intimation Under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 -ESG Rating3 Sep 2026 · Company Update / General
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) Meet2 Sep 2026 · Company Update / Analyst / Investor Meet

Corporate actions

Purpose	Ex date	Record date	Payment date
Interim Dividend - Rs. - 2.5000	11 Mar 2026	11 Mar 2026	—
Interim Dividend - Rs. - 2.5000	25 Feb 2025	25 Feb 2025	—

Board meetings

23 Oct 2026 Board Meeting - Financial Results
24 Jul 2026 Board Meeting - Financial Results