SBI Cards and Payment Services profitability 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

Margins
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	14.7%	14.7%	14.8%	22.0%	25.7%
	3.3%	3.3%	3.1%	4.6%	5.6%
	7.4%	6.7%	6.9%	8.0%	7.6%
	28.9%	26.7%	29.6%	32.5%	30.9%
	26.0%	26.0%	28.7%	31.3%	29.7%
	—	−1.0%	−10.7%	37.9%	—
	17.3%	14.6%	14.3%	19.0%	22.2%
	12.9%	10.9%	10.6%	14.2%	16.5%
	2.3%	2.3%	−12.2%	−32.6%	−49.5%
Additional
	25.6%	25.6%	25.7%	25.5%	25.5%
	—	10.0%	15.0%	15.1%	9.4%
	14.7%	13.2%	12.6%	18.7%	23.3%

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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
Returns
Return on Common Equity	25.69	21.98	14.82	14.69	14.69
Return on Assets	5.63	4.64	3.10	3.29	3.29
Return on Invested Capital	7.57	8.00	6.86	6.67	7.39
Margins
EBITDA Margin	30.90	32.46	29.55	26.70	28.94
Operating Margin	29.70	31.30	28.74	26.01	26.01
Incremental Operating Margin	—	37.94	-10.67	-0.95	—
Pretax Margin	22.17	19.05	14.28	14.64	17.31
Net Income Margin	16.53	14.19	10.60	10.89	12.88
FCF Margin	-49.49	-32.57	-12.15	2.31	2.31
Additional
Effective Tax Rate	25.48	25.49	25.74	25.62	25.57
Dvd Payout Ratio	9.43	15.06	14.98	10.02	—
Sustainable Growth Rate	23.27	18.67	12.60	13.22	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%.