SBI Cards And Payment Services Ltd (SBICARD) Stock Analysis: Valuation, Latest Results, Financial Ratios & DeciZen Rating

BSE: 543066 | NSE: SBICARD | Finance - NBFC | Mid Cap

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SBI Cards AndPayment Share Price

 ₹856.90 -10.70 -1.23%
as on 04-Dec'25 16:59

SBI Cards And Payment Services Ltd (SBICARD) Stock Analysis: Valuation, Latest Results, Financial Ratios & DeciZen Rating

BSE: 543066 | NSE: SBICARD | Finance - NBFC | Mid Cap

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DeciZen - make an informed investing decision on SBI Cards AndPayment

Based on:

Overall Rating ⓘ
Bole Toh

1. Quality

Very Good
Check detailed 10 Yrs performace

2. Valuation

Undervalued
Check 10 Yrs Valuation charts

3. Price Trend

Semi Strong
Check Price chart

SBI Cards And Payment Services stock performance -
₹856.90 142.0020.00% past year

Key Ratios
Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
43.04
Market Cap:
82,556.3 Cr.
52-wk low:
663.2
52-wk high:
1,023.1

Is SBI Cards And Payment Services Ltd an attractive stock to invest in?

1. Is SBI Cards And Payment Services Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that SBI Cards And Payment Services Ltd is a good quality company.

2. Is SBI Cards And Payment Services Ltd undervalued or overvalued?

The key valuation ratios of SBI Cards And Payment Services Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

3. Is SBI Cards And Payment Services Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of SBI Cards And Payment Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of SBI Cards AndPayment:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
SBI Cards And Payment Services Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)
2,3873,3465,1876,9999,2769,29610,67713,66716,96818,07218,373
YoY Gr. Rt. %
-40.2%55%34.9%32.5%0.2%14.9%28%24.2%6.5%-
Adj EPS (₹ )
3.64.87.710.313.310.517.123.925.320.120.2
YoY Gr. Rt. %
-31.2%61.3%34.9%28.4%-21%63.7%39.3%6.1%-20.5%-
BVPS (₹ )
14.718.528.841.756.766.581.7103.5126.9144.7155.4
YoY Gr. Rt. %
-25.5%55.8%45.1%35.9%17.4%22.8%26.7%22.7%14%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)
4.14.14.64.95.53.85.35.74.73.10

CAGR ⓘ

CAGR Colour Code Guide ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income25.2%14.3%19.2%6.5%
Adj EPS21%8.7%5.5%-20.5%
BVPS28.9%20.6%21%14%
Share Price - -0% 0.8% 19.9%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)
1.50.810.80.700000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)
015.718.320.122.400000-
Margins
Net Profit Margin (%)
11.911.111.612.413.410.615.116.514.210.610.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)
26.828.632.430.128.21723.225.82214.813

Recent Performance Summary

Total Income has increased 19.17 CAGR in last 3 years

Net Profit has increased 5.52 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 13.40%

Total income growth is poor in last 4 quarters

Latest Financials - SBI Cards And Payment Services Ltd.

Standalone Consolidated
TTM EPS (₹) 20.2 -
TTM Sales (₹ Cr.) 18,373 -
BVPS (₹.) ⓘ 155.4 -
Reserves (₹ Cr.) ⓘ 13,816 -
P/BV ⓘ 5.58 -
PE ⓘ 43.04 -
From the Market
52 Week Low / High (₹) 663.20 / 1023.05
All Time Low / High (₹) 495.25 / 1164.65
Market Cap (₹ Cr.) 82,556
Equity (₹ Cr.) 951.6
Face Value (₹) 10
Industry PE ⓘ 32.2

Quarterly Results

 Mar'25 YoY Gr. Rt. %Jun'25 YoY Gr. Rt. %Sep'25 YoY Gr. Rt. %Dec'25 YoY Gr. Rt. %
Operating Income0 N/A0 N/A0 N/A0 N/A
Adj EPS (₹)N/A N/AN/A N/AN/A N/AN/A N/A
Net Profit Mgn %N/A N/AN/A N/AN/A N/AN/A N/A

Management X-Ray of SBI Cards AndPayment:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of SBI Cards AndPayment - Standalone Basis

MRP
₹spaceLock icon
MOS
spaceLock icon%
DP
₹spaceLock icon
Base BVPS
₹spaceLock icon
DPS
₹spaceLock icon
MRP: ₹ 0
DP: ₹0
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40

YTD 1Y 3Y 5Y 10Y Max

YTD 1Y 3Y 5Y 10Y Max

YTD 1Y 3Y 5Y 10Y Max

YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

data not found
No data found!

Key Ratios of SBI Cards AndPayment

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Peer Comparison

Company Name  
CMP(₹)  
Change ₹(%)  
Market Cap  
Net Sales (₹ Cr.)  
Latest EPS (₹)  
Net Profit Margin %  
Latest P/E  
Latest P/BV  
Aditya Birla Capital 349.3 -0.5 (-0.1%) Mid Cap 40,590 12.5 8.3 28.5 2.9
Mah & Mah Finl. Serv 347 -8.3 (-2.3%) Mid Cap 18,463 17.8 12.2 20.6 2.1
SBI Cards AndPayment 856.9 -10.7 (-1.2%) Mid Cap 18,072 20.2 10.6 43 5.6
HDB Financial Services 746.1 9.6 (1.3%) Mid Cap 16,300 26.2 13.3 28.1 3.2
L&T Finance 300.5 -2.3 (-0.8%) Mid Cap 15,924 10.8 16.6 28.4 2.9
Sundaram Finance 4,644.5 -45.4 (-1%) Mid Cap 8,486 177.5 21.4 26.6 3.5
Indian Ren. Energy 136.8 -0.1 (-0.1%) Mid Cap 6,742 6.1 25.2 22.3 3
Poonawalla Fincorp 463.6 1.4 (0.3%) Mid Cap 4,190 2.7 -2.3 172.4 3.8
Tata Invest Corp 715.2 -8.2 (-1.1%) Mid Cap 368 6.5 76.7 110.7 1.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income2,4933,4715,3707,2879,7529,71411,85814,28617,48418,637
Interest Income2,3873,3465,1876,9999,2769,29610,67713,66716,96818,072
Other Income ⓘ 1061251832884764171,181619515565
Expenditure ⓘ 2,0552,8994,4515,9528,0238,3909,68611,25514,25216,056
Interest Expense ⓘ 5331,1271,3611,3081,6891,4001,5032,2843,3133,944
Operating Expenses ⓘ 1,2471,1972,2523,4474,3294,2195,2756,6997,5197,088
Provisions 2745758381,1962,0052,7712,9072,2723,4205,025
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 4385729191,3351,7301,3242,1723,0313,2322,581
Taxes ⓘ 154199318470485339556772824664
Profit After Tax 2843736018651,2459851,6162,2582,4081,916
Adjusted EPS (₹)3.64.87.710.313.310.517.123.925.320.1
Dividend Payout Ratio (%)28%21%0%10%8%0%15%10%10%12%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital1,1551,4492,3533,4935,3416,2997,7539,83012,08413,782
Share Capital ⓘ 785785785837939941943946951951
Reserves ⓘ 3706641,5682,6554,4025,3596,8108,88411,13312,830
Minority Interest0000000000
Long Term Borrowings2964361,6943,2434,5964,7547,4287,9097,7386,250
Current Liabilities 6,3398,75111,55113,15215,09515,56119,24927,56037,99545,071
Trade Payables861195186617218811,1171,3951,5081,593
Short term borrowings5,5877,7059,64110,31712,84012,87615,49523,14331,99338,463
Other Liabilities-5,673-7,824-10,160-10,884-13,561-13,754-16,612-24,538-33,501-40,056
Total Liabilities ⓘ 7,79010,63615,59819,98325,03226,61834,43045,29957,81765,103

Assets

Non Current Asset 59410,03914,47518,19923,19624,18431,12141,53852,16958,522
Loan Asset 5489,98314,04617,90922,81223,45930,18739,36149,07953,935
Other Non Current Asset ⓘ 47564302913847259342,1773,0914,587
Current Asset 7,1965971,1231,7841,8362,4343,3093,7615,6476,581
Current Investment000006238785681,0152,007
Other Current Asset7,1965971,1231,7841,8361,8112,4303,1944,6324,574
Total Assets ⓘ 7,79010,63615,59819,98325,03226,61834,43045,29957,81765,103

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -1,158-2,235-2,877-2,327-4,063692-4,391-6,671-5,653-2,140
Cash Flow From Investing Activity ⓘ 1-1-31-76-77-997-538-921-1,255-2,491
Cash Flow From Financing Activity ⓘ 1,1412,2442,9352,8243,9234325,0457,8248,4014,687
Net Cash Flow ⓘ -17926422-2181271152321,49255

Finance Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)45810131017242520
DPS (₹)1101103333
BVPS (₹)15182942576782103127145

Performance Ratios

ROA (%)4.14.14.64.95.53.85.35.74.73.1
ROE (%)26.828.632.430.128.217.023.225.822.014.8
ROCE (%)15.220.219.417.117.111.613.414.814.111.8

Valuation Parameters

Price/Book(x)0.00.00.00.010.914.010.47.25.46.1

SBI Cards And Payment Services Ltd Stock News

SBI Cards And Payment Services Ltd FAQs

The current trading price of SBI Cards AndPayment on 04-Dec-2025 16:59 is ₹856.9.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 03-Dec-2025 the market cap of SBI Cards AndPayment stood at ₹82,556.3.
The latest P/E ratio of SBI Cards AndPayment as of 03-Dec-2025 is 43.04.
The latest P/B ratio of SBI Cards AndPayment as of 03-Dec-2025 is 5.58.
The 52-week high of SBI Cards AndPayment is ₹1,023.1 and the 52-week low is ₹663.2.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SBI Cards AndPayment is ₹18,373 ( Cr.) .

About SBI Cards And Payment Services Ltd

SBI Card was launched in October 1998 by the State Bank of India and GE Capital. Incorporated as SBI Cards and Payment Services Private Limited (SBICPSL), SBI Card is headquartered in Gurgaon, Haryana.

In December 2017, State Bank of India and The Carlyle Group acquired GE Capital’s stake in SBI Card, post which SBI held 74% while Carlyle held 26% in the Company. The legal name of SBI Card was changed on August 20, 2019, from SBI Cards and Payment Services Private Limited to SBI Cards and Payment Services Limited, on account of its conversion from a ‘Private Limited’ company to a ‘Public Limited’ company. In March 2020, SBI Card became the first pure play credit card company to list on the stock exchanges in India. The company is the second largest credit card provider in the country, with huge card base. It also has offices in many cities in India.

Business area of the company

The company is engaged in the business of issuing credit cards to consumers in India. It offers Indian consumers access to a wide range of world-class, value-added payment products and services.

Products

The company’s product portfolio includes premium, classic, travel and shopping, exclusive and corporate cards, to cater to both individual and corporate needs.

Awards

  • 2013: Awarded VISA Recognition, ‘Best Issuing Institution’ for excellence in Fraud Risk Management, 2013.
  • 2014: Awarded ‘AISA Outsourcing Excellence Award: Excellence in Customer Service’ as part of CMO Asia Awards 2014.
  • 2015: Awarded ‘Gartner Global Eye on Innovation Award 2015.’
  • 2016: Awarded VISA Recognition ‘Champion Security Award’ South East Asia for Excellence in Fraud Risk Management- 2016.
  • 2017: Awarded ‘Best Data Quality Awards-Consumer Bureau Category- NBFC’, 2017 by Transunion CIBIL.
  • 2018: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2018’ under Customer Loyalty Awards.
  • 2018: Awarded ‘Corporate Excellence Gold Award for Compliance Innovation’ as a part of SKOCH Summit 2018.
  • 2018: Awarded ‘Learning Innovator Award’ as part of GP Strategies Awards, 2018.
  • 2019: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2019’ under Customer Loyalty Awards.
  • 2019: Awarded ‘Gold Winner: Customer Service Department of the Year; as part of Golden Bridge Awards, 2019.
  • 2019: Awarded ‘Best Data Quality- Consumer Bureau amongst NBFCs 2019’ as part of Data Quality Awards 2019.
  • 2020: Awarded in the category of ‘Analytics/Big Data’ as part of the DELL Technologies BFSI Technology Conclave, 2020.

Milestones

  • 1998: SBI Card enters the credit card space
  • 1999: SBI Card reaches the 1 lakh mark
  • 2002: SBI Card enters the ‘1 Million Cards’ club
  • 2002: SBI Card enters into its first partnership with a public sector bank
  • 2003: SBI Card launches Affinity Cards in 8 cities
  • 2005: SBI Card crosses 2 million card base
  • 2006: SBI Card launches co-branded cards with Indian Railways
  • 2006: SBI Card launches co-branded cards with SpiceJet and Tata
  • 2006: SBI Card becomes the second largest credit card issuer
  • 2010: SBI Card launches the SBI Platinum Card
  • 2011: SBI Card launches chip based EMV cards
  • 2012: SBI Card launches SBI Signature Card for HNIs
  • 2013: SBI Card launches Air India co-branded cards
  • 2014: SBI Card launches Fbb SBI ‘STYLEUP’ Card’
  • 2014: SBI Card enters the ‘3 Million Cards’ Club
  • 2015: SBI Card launches the SimplySAVE SBI Card
  • 2015: SBI Card launches SimplyCLICK
  • 2016: SBI Card launches SBI Card ELITE
  • 2016: SBI Card enters the ‘4 Million Cards’ Club
  • 2017: SBI Card launches Central SELECT SBI Cards
  • 2017: SBI Card launches SBI Card PRIME and SBI Card Unnati
  • 2017: SBI Card enters 5 million cards club
  • 2017: SBI Card launches BPCL SBI Card
  • 2018: SBI Card enters 6 million cards club
  • 2018: SBI Card launches Doctor's SBI Card
  • 2018: SBI Card launches virtual assistant ‘ELA’
  • 2018: Apollo SBI Card launched
  • 2018: SBI Card crosses 7 million customer base
  • 2019: Etihad Guest SBI Card launched
  • 2019: Ola Money SBI Card Launched
  • 2019: SBI Card enters 9 million cards club
  • 2019: SBI Card enters into a network partnership with Rupay network
  • 2019: SBI Card launches Club Vistara SBI Card PRIME and Club Vistara SBI Card
  • 2019: SBI Card enters 10 million cards club
  • 2020: SBI Card launches Lifestyle HC SBI Card, Max SBI Card and Spar SBI Card with Landmark Group
  • 2020: SBI Card becomes first pure play credit card issuer to list on BSE and NSE
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