SBI Cards and Payment Services credit ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus


44,064	44,064	44,947	39,891	31,110	FY22 and earlierEvery year the company has filed comes with Alpha Plus.
41,744	41,744	42,208	37,161	29,755
2.80×	2.80×	3.26×	3.30×	3.16×
2.65×	2.65×	3.06×	3.08×	3.03×
8.29×	8.29×	8.42×	7.24×	7.37×
7.12×	7.86×	7.90×	6.75×	7.05×
1.69×	1.69×	1.63×	2.05×	2.46×
72.0%	73.7%	76.5%	76.8%	76.0%
2.77×	2.79×	3.24×	3.00×	—

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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

SBICARD₹540.00

SBI Cards and Payment Services Ltd.

· Banking & Finance

₹ CrorePeersHDFCBANK ICICIBANK POLICYBZR BANKINDIA PAYTM LICHSGFIN MFSL INDIANBMcap ₹51,386 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Total Debt	31,109.6	39,891.1	44,946.6	44,063.7	44,063.7
Net Debt	29,755.1	37,161.5	42,208.4	41,744.0	41,744.0
Total Debt/Equity	3.16	3.30	3.26	2.80	2.80
Net Debt/Equity	3.03	3.08	3.06	2.65	2.65
Total Debt/EBITDA	7.37	7.24	8.42	8.29	8.29
Net Debt/EBITDA	7.05	6.75	7.90	7.86	7.12
Interest Coverage (EBIT/Interest)	2.46	2.05	1.63	1.69	1.69
Total Debt/Total Capital %	75.99	76.75	76.53	73.70	71.96
As Filed — company-reported covenants
Debt/Equity (as filed)	—	3.00	3.24	2.79	2.77

No consensus estimates → no Est columns. Click any row to chart it.

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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%.