SBI Cards and Payment Services financials

·Banking & FinanceChart ›

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast closeFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
50,202————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
2,1042,1042,5382,482990
44,06444,06444,94739,89131,110
92,162————
19,90019,90018,07216,96813,667
—+10.1%+6.5%+24.2%—
5,3135,3135,3415,5094,223
26.7%26.7%29.6%32.5%30.9%
5,1775,1775,1945,3124,059
2,1672,1671,9162,4082,258
10.9%10.9%10.6%14.2%16.5%
₹22.77₹22.77₹20.14₹25.30₹23.73
—+13.1%−20.4%+6.6%—
493493−2,140−5,452−6,671
−33.6−33.6−55.8−74.5−93.4
459459−2,196−5,526−6,764
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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

SBICARD₹527.55

SBI Cards and Payment Services Ltd.

· Banking & Finance
₹ CrorePeersHDFCBANKICICIBANKPOLICYBZRBANKINDIAPAYTMLICHSGFINMFSLINDIANBMcap ₹50,202 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current
last close
Market Capitalization————50,201.7
- Cash, Equiv & ST Investments989.82,482.02,537.52,103.72,103.7
+ Total Debt31,109.639,891.144,946.644,063.744,063.7
Enterprise Value————92,161.7
Revenue13,666.616,968.418,072.219,899.619,899.6
Growth %, YoY—+24.2+6.5+10.1—
EBITDA4,223.05,508.75,341.05,313.05,313.0
Margin %30.9032.4629.5526.7026.70
EBIT4,059.25,311.95,194.25,176.85,176.8
Net Income2,258.52,407.91,916.42,166.72,166.7
Margin %16.5314.1910.6010.8910.89
EPS, Adj (current shares)23.7325.3020.1422.7722.77
Growth %, YoY—+6.6-20.4+13.1—
Cash from Operations-6,670.5-5,451.5-2,140.5493.0493.0
Capital Expenditures-93.4-74.5-55.8-33.6-33.6
Free Cash Flow-6,763.9-5,526.0-2,196.2459.4459.4
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

SBI Card financials and key ratios

Figures from the company's filings with NSE

In FY26 its consolidated net profit was ₹2,167 crore on revenue of ₹19,900 crore. Its debt-to-equity ratio was 2.80 on 31 March 2026. Promoters held 68.86% of the shares on 30 September 2026.

Latest balance sheet
31 March 2026
Shareholding pattern
30 September 2026

SBI Card at a glance · consolidated

ROE (FY26)
14.7%
Debt to equity
2.80net debt ₹41,744 Cr
Promoter holding
68.86%unchanged vs 30 Jun 202630 September 2026
Net worth
₹15,726 Cr31 March 2026
Free cash flow (FY26)
₹459 Cr
EPS (FY26)
₹22.77

Questions

Is SBI Card debt free?

No. SBI Card had borrowings of ₹44,064 crore on 31 March 2026 (consolidated balance sheet), a debt-to-equity ratio of 2.80. Its cash and current investments were ₹2,320 crore, so its net debt was ₹41,744 crore.

What is the SBI Card debt to equity ratio?

SBI Card's debt-to-equity ratio was 2.80 on 31 March 2026: borrowings, debt securities, deposits and subordinated debt of ₹44,064 crore against total equity of ₹15,726 crore.

What is the SBI Card promoter holding?

Promoters held 68.86% of SBI Card on 30 September 2026, unchanged from the previous quarter and up 0.27 percentage points from 68.59% a year earlier, according to the shareholding pattern filed with NSE.

What is the SBI Card net worth?

SBI Card's net worth — shareholders' equity in its consolidated balance sheet — was ₹15,726 crore on 31 March 2026.

What is the SBI Card ROE and ROCE?

In FY26, SBI Card's return on equity (ROE) was 14.7%. ROE is net profit divided by average shareholders' equity (the start and end of the year).

What is the SBI Card book value per share?

SBI Card's book value per share was ₹165.25 on 31 March 2026: shareholders' equity of ₹15,726 crore divided by the 95.16 crore shares in issue.

What is the SBI Card EPS?

SBI Card's basic earnings per share (EPS) were ₹22.77 in FY26, against ₹20.15 in FY25.

What is the SBI Card dividend in 2026 and its record date?

In 2026, SBI Card has declared one dividend: ₹2.50 (interim) with record date 11 March 2026.

SBI Card vs HDFC Bank: how do they compare?

In FY26, SBI Card earned net profit of ₹2,167 crore on revenue of ₹19,900 crore, against ₹76,026 crore for HDFC Bank.

What is the SBI Card shareholding pattern?

On 30 September 2026, SBI Card's shares were held by promoters 68.86%, foreign portfolio investors (FII/FPI) 7.12%, domestic institutions (DII) 20.20% (including mutual funds at 13.00%) and retail and other non-institutional investors 3.83%. Over the year, FII holding was down 2.98 percentage points from 10.10% and DII holding was up 2.44 percentage points from 17.76%.

What is the SBI Card revenue and profit in FY26?

In FY26 (April 2025–March 2026), SBI Card's consolidated net profit was ₹2,167 crore, up 13.1% from ₹1,916 crore in FY25, on revenue from operations of ₹19,900 crore (up 10.1%). Over three years, from FY23, net profit was down 4.1%.

How does SBI Card compare with its peers?

On FY26 consolidated figures, against HDFC Bank, ICICI Bank and Policybazaar: SBI Card's return on equity of 14.7% is the second highest of the four (HDFC Bank 13.8%, ICICI Bank 16.1%, Policybazaar 9.8%; peer average 13.2%); its revenue growth over three years of 13.3% a year is the lowest of the four (HDFC Bank 42.6% a year, ICICI Bank 17.3% a year, Policybazaar 38.5% a year; peer average 32.8% a year).

What is the SBI Card free cash flow?

In FY26, SBI Card generated ₹493 crore of cash from operations and spent ₹33.6 crore on capital expenditure (property, plant, equipment and intangibles), leaving free cash flow of ₹459 crore. In FY25 it was −₹2,196 crore.

Where do these SBI Card figures come from?

From SBI Cards and Payment Services' own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.