alphaveSBICARD₹665.00

SBI Cards and Payment Services Ltd.

Annual Quarterly₹ CrorePeersHDFCBANK ICICIBANK POLICYBZR BANKINDIA PAYTM LICHSGFIN MFSL INDIANB

View

In ₹ Crore except Per Share 12 Months Ending	Q2 FY24 30/09/2023	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026
Revenue from Operations	4,087.3	4,621.7	4,347.7	4,358.6	4,421.0	4,618.7	4,674.0	4,876.9	4,961.0	5,127.3	4,934.5	5,040.6
Other Income	134.0	119.9	126.9	124.0	134.8	147.9	157.8	158.5	175.5	226.2	252.5	164.8
Total Income	4,221.4	4,741.6	4,474.6	4,482.6	4,555.8	4,766.6	4,831.7	5,035.4	5,136.5	5,353.4	5,187.0	5,205.4
Expenses
+ Employee Benefit Expense	147.8	144.4	132.2	134.1	148.8	152.3	154.3	161.4	157.6	184.4	157.6	206.8
+ Finance Costs	604.9	695.5	723.8	766.8	787.7	828.6	795.3	812.8	760.1	785.1	713.6	744.5
+ Depreciation & Amortisation	46.8	50.8	51.6	49.4	50.4	48.8	-1.7	35.0	35.0	33.9	32.3	30.5
+ Other Expenses	1,429.7	1,678.8	1,477.7	1,485.7	1,663.9	1,762.5	1,725.1	1,738.7	2,022.0	2,032.2	1,961.3	1,985.8
Total Expenses	3,412.0	4,004.0	3,586.4	3,683.4	4,010.6	4,248.9	4,113.2	4,287.0	4,536.7	4,604.3	4,371.1	4,312.2
EBITDA	1,327.0	1,364.0	1,536.8	1,491.4	1,248.5	1,247.2	1,354.3	1,437.7	1,219.4	1,341.9	1,309.3	1,503.4
EBIT	1,280.2	1,313.2	1,485.1	1,442.0	1,198.1	1,198.4	1,356.0	1,402.7	1,184.3	1,308.0	1,277.0	1,472.9
Profit
PBT before Exceptional Items	809.4	737.6	888.2	799.2	545.2	517.6	718.5	748.4	599.8	749.1	815.9	893.1
Pretax Income	809.4	737.6	888.2	799.2	545.2	517.6	718.5	748.4	599.8	749.1	815.9	893.1
+ Current Tax	231.4	243.5	245.5	227.1	200.6	160.5	165.1	210.4	178.0	192.3	171.2	246.5
+ Deferred Tax	-25.0	-55.0	-19.7	-22.4	-59.8	-26.1	19.3	-18.0	-23.0	0.2	35.4	-17.8
Tax Expense	206.4	188.5	225.8	204.7	140.8	134.4	184.4	192.4	155.0	192.5	206.6	228.7
Net Income	603.0	549.1	662.4	594.4	404.4	383.2	534.2	556.0	444.8	556.6	609.3	664.4
+ Net Income — Continuing Ops	603.0	549.1	662.4	594.4	404.4	383.2	534.2	556.0	444.8	556.6	609.3	664.4
+ Other Comprehensive Income	1.7	1.2	0.5	-2.3	0.8	1.1	2.8	-2.3	1.7	1.6	6.9	0.9
Total Comprehensive Income	604.7	550.3	662.9	592.2	405.2	384.3	537.0	553.7	446.4	558.2	616.2	665.3
Per Share
Basic EPS	6.37	5.78	6.97	6.25	4.25	4.03	5.62	5.84	4.67	5.85	6.40	6.98
Diluted EPS	6.35	5.78	6.96	6.25	4.25	4.03	5.61	5.84	4.67	5.85	6.40	6.98
Revenue Detail — as filed
+ Sale of Services	42.0	44.5	38.1	—	33.7	32.8	27.1	26.0	20.5	20.5	6.0	9.7
+ Fees & Commission Income	1,973.9	2,292.9	1,999.7	—	1,957.3	2,024.9	2,092.8	2,191.2	2,265.4	2,366.7	2,343.0	2,405.5
+ Net Loss on Fair Value Changes	0.2	0.0	0.0	—	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Expense Detail — as filed
+ Fees & Commission Expense	441.0	551.7	256.7	—	147.7	143.6	195.2	187.5	269.3	346.7	409.4	396.9
+ Impairment on Financial Instruments	741.5	882.9	944.4	—	1,212.0	1,313.1	1,245.1	1,351.6	1,292.7	1,222.2	1,096.8	947.7
Other Comprehensive Income — detail
+ Other Comprehensive Income	1.7	1.2	0.5	—	0.8	1.1	2.8	-2.3	1.7	1.6	6.9	0.9
+ Items NOT to be Reclassified to P&L	1.2	1.2	0.7	-3.0	1.0	1.5	3.8	-3.0	2.2	2.1	6.9	1.2
+ Tax on Items NOT to be Reclassified	—	—	—	—	—	—	1.0	-0.8	0.6	0.5	0.0	0.3
+ Tax on Items NOT to be Reclassified — alt tag	0.3	0.3	0.2	-0.8	0.3	0.4	—	—	—	—	—	—
+ Items to be Reclassified to P&L	1.1	0.4	0.0	—	—	0.0	0.0	—	—	—	—	—
+ Tax on Items to be Reclassified — alt tag	0.3	0.1	0.0	0.0	0.0	0.0	—	—	—	—	—	—
Per Share — as-filed variants
Basic EPS — Continuing Operations	6.37	5.78	6.97	6.25	4.25	4.03	5.62	5.84	4.67	5.85	6.40	6.98
Diluted EPS — Continuing Operations	6.35	5.78	6.96	6.25	4.25	4.03	5.61	5.84	4.67	5.85	6.40	6.98
Regulatory Disclosures — filed alongside, not part of the P&L
Related-party Transactions — During the Period	—	—	—	—	—	—	62,905.5	—	78,957.5	—	71,378.5	—
Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories)
Gross Profit	4,087.3	4,621.7	4,347.7	4,358.6	4,421.0	4,618.7	4,674.0	4,876.9	4,961.0	5,127.3	4,934.5	5,040.6
Gross Margin %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
Adjusted (ex-Exceptional Items) — derived
Pretax Income (Adjusted, as filed)	809.4	737.6	888.2	799.2	545.2	517.6	718.5	748.4	599.8	749.1	815.9	893.1
Net Income Adj (tax-effected)	603.0	549.1	662.4	594.4	404.4	383.2	534.2	556.0	444.8	556.6	609.3	664.4
EPS Adj	6.37	5.78	6.97	6.25	4.25	4.03	5.62	5.84	4.67	5.85	6.40	6.98
Other Filed Concepts — mapped but not yet placed in the schedule
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Filed Debt Equity	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Interest Earned	1,901.8	2,082.5	2,138.7	—	2,289.7	2,399.1	2,415.2	2,493.2	2,489.9	2,536.4	2,381.8	2,420.6
Paid Up Equity Capital	946.7	950.8	951.0	951.1	951.3	951.4	951.4	951.5	951.6	951.6	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.

« ‹ › »Latest: Q1 FY27 · ConsolidatedFA 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%.