SBI Cards and Payment Services DuPont analysis

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

5-step DuPont — ROE = tax burden × interest burden × EBIT margin × turnover × leverage						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	0.74×	0.74×	0.74×	0.75×	0.75×
	0.61×	0.56×	0.50×	0.61×	0.75×
	28.3%	26.0%	28.7%	31.3%	29.7%
	0.30×	0.30×	0.29×	0.33×	0.34×
	4.14×	4.22×	4.76×	4.81×	4.63×
	16.0%	13.8%	14.6%	22.5%	26.0%
	14.7%	14.7%	14.8%	22.0%	25.7%

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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
5-Step DuPont — ROE = Tax Burden × Interest Burden × EBIT Margin × Turnover × Leverage
Tax Burden (Net Income/Pretax) ×	0.75	0.75	0.74	0.74	0.74
Interest Burden (Pretax/EBIT) ×	0.75	0.61	0.50	0.56	0.61
EBIT Margin %	29.70	31.30	28.74	26.01	28.30
Asset Turnover ×	0.34	0.33	0.29	0.30	0.30
Financial Leverage (Assets/Equity) ×	4.63	4.81	4.76	4.22	4.14
ROE (5-step product, year-end total equity) %	26.03	22.54	14.63	13.78	16.00
ROE (owners' profit / average owners' equity) %	25.69	21.98	14.82	14.69	14.69

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%.