SBI Cards and Payment Services profit and loss

Latest FY26

Revenue: ₹19,900cr+10.1% on FY25
EBITDA: ₹5,313cr−0.5% on FY25
Net profit: ₹2,167cr+13.1% on FY25
EPS: ₹22.77+13.0% on FY25

₹ crore except per share

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

Expenses
	20,243	19,900	18,072	16,968	13,667	FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	805	808	565	515	619
	21,047	20,708	18,637	17,484	14,286
	729	661	590	570	562
	3,030	3,072	3,178	2,595	1,648
	129	136	147	197	164
	8,081	7,750	6,637	5,960	5,351
	17,544	17,794	16,056	14,252	11,255
	5,859	5,313	5,341	5,509	4,223
	5,730	5,177	5,194	5,312	4,059
Profit
	3,504	2,913	2,581	3,232	3,031
	3,504	2,913	2,581	3,232	3,031
	889	752	753	931	799
	7.0	−5.4	−89.0	−107	−27.2
	896	746	664	824	772
	2,608	2,167	1,916	2,408	2,258
	2,608	2,167	1,916	2,408	2,258
	10.8	7.9	2.4	−1.4	−2.8
	2,619	2,175	1,919	2,407	2,256
Per share
	₹27.40	₹22.77	₹20.15	₹25.39	₹23.92
	₹27.40	₹22.77	₹20.14	₹25.37	₹23.80
Revenue detail — as filed
	43.7	73.0	126	164	166
	9,549	9,166	8,003	8,165	6,604
Expense detail — as filed
	1,487	1,213	633	1,642	1,372
	4,086	4,962	4,872	3,287	2,159
Other comprehensive income — detail
	10.8	7.9	2.4	−1.4	−2.8
	13.2	7.9	3.2	−2.3	−3.3
	1.6	0.0	0.8	—	—
	—	—	—	−0.6	−0.8
	—	—	0.0	0.5	−0.5
	−0.2	0.0	0.0	—	—
	—	—	—	0.1	−0.1
Per share — as-filed variants
	₹27.40	₹22.77	₹20.15	₹25.39	₹23.92
	₹27.40	₹22.77	₹20.14	₹25.37	₹23.80
Adjusted (ex-exceptional items) — derived
	3,504	2,913	2,581	3,232	3,031
	2,608	2,167	1,916	2,408	2,258
	₹27.40	₹22.77	₹20.15	₹25.39	₹23.92

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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

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

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Revenue from Operations	13,666.6	16,968.4	18,072.2	19,899.6	20,242.8
Other Income	619.0	515.1	564.9	808.0	804.7
Total Income	14,285.7	17,483.5	18,637.2	20,707.6	21,047.5
Expenses
+ Employee Benefit Expense	561.9	569.7	589.6	661.0	729.4
+ Finance Costs	1,647.6	2,595.2	3,178.4	3,071.6	3,030.5
+ Depreciation & Amortisation	163.8	196.8	146.8	136.3	129.3
+ Other Expenses	5,351.2	5,960.5	6,636.9	7,750.3	8,081.2
Total Expenses	11,255.1	14,251.7	16,056.5	17,794.4	17,543.6
EBITDA	4,223.0	5,508.7	5,341.0	5,313.0	5,859.0
EBIT	4,059.2	5,311.9	5,194.2	5,176.8	5,729.7
Profit
PBT before Exceptional Items	3,030.6	3,231.8	2,580.7	2,913.2	3,503.9
Pretax Income	3,030.6	3,231.8	2,580.7	2,913.2	3,503.9
+ Current Tax	799.3	931.4	753.3	751.8	888.9
+ Deferred Tax	-27.2	-107.5	-89.0	-5.4	7.0
Tax Expense	772.1	823.9	664.3	746.5	895.9
Net Income	2,258.5	2,407.9	1,916.4	2,166.7	2,608.0
+ Net Income — Continuing Ops	2,258.5	2,407.9	1,916.4	2,166.7	2,608.0
+ Other Comprehensive Income	-2.8	-1.4	2.4	7.9	10.8
Total Comprehensive Income	2,255.6	2,406.5	1,918.8	2,174.6	2,618.8
Per Share
Basic EPS	23.92	25.39	20.15	22.77	27.40
Diluted EPS	23.80	25.37	20.14	22.77	27.40
Revenue Detail — as filed
+ Sale of Services	165.8	163.6	126.5	73.0	43.7
+ Fees & Commission Income	6,604.1	8,164.7	8,002.9	9,166.2	9,549.2
Expense Detail — as filed
+ Fees & Commission Expense	1,371.5	1,642.1	633.2	1,212.9	1,487.2
+ Impairment on Financial Instruments	2,159.0	3,287.4	4,871.5	4,962.4	4,086.0
Other Comprehensive Income — detail
+ Other Comprehensive Income	-2.8	-1.4	2.4	7.9	10.8
+ Items NOT to be Reclassified to P&L	-3.3	-2.3	3.2	7.9	13.2
+ Tax on Items NOT to be Reclassified	—	—	0.8	0.0	1.6
+ Tax on Items NOT to be Reclassified — alt tag	-0.8	-0.6	—	—	—
+ Items to be Reclassified to P&L	-0.5	0.5	0.0	—	—
+ Tax on Items to be Reclassified	—	—	0.0	0.0	-0.2
+ Tax on Items to be Reclassified — alt tag	-0.1	0.1	—	—	—
Per Share — as-filed variants
Basic EPS — Continuing Operations	23.92	25.39	20.15	22.77	27.40
Diluted EPS — Continuing Operations	23.80	25.37	20.14	22.77	27.40
Adjusted (ex-Exceptional Items) — derived
Pretax Income (Adjusted, as filed)	3,030.6	3,231.8	2,580.7	2,913.2	3,503.9
Net Income Adj (tax-effected)	2,258.5	2,407.9	1,916.4	2,166.7	2,608.0
EPS Adj	23.92	25.39	20.15	22.77	27.40
Other Filed Concepts — mapped but not yet placed in the schedule
Face Value	10.00	10.00	10.00	10.00	10.00
Filed Debt Equity	0.00	3.00	3.24	2.79	2.77
Interest Earned	6,153.0	7,927.1	9,347.3	9,901.1	9,849.8
Paid Up Equity Capital	946.1	951.0	951.4	951.6	951.6

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. 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%.