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SBI Cards and Payment Services (SBICARD) had a P/E of 21.4× on 6 Nov 2026, and the shares are 35% below their 52-week high. It earns ROE of 16%, and net profit fell 1.4% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 3.24× book value and its dividend yield is 0.4%. It is a mid-cap company with a market cap of ₹55,671 Cr, ranked 10th of 193 Credit Services companies by market cap; the shares fell 34% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹582.80
Day high
₹585.80
Day low
₹570.85
Prev. close
₹585.00
Volume
9.6 L

Health check

1 good · 1 fair · 4 to check
  • ReturnsBehind

    −33.6% over a year, better than 1 of 7 peers.

  • Price tagPricier

    P/B 3.24 vs peer median 2.62.

  • GrowthShrinking

    Profit −1.4% a year over 3 years.

  • ProfitabilityAverage

    ROE 16.3% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 3.70%. Bad-loan data isn’t covered.

  • Red flags1 to check

    35% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Mid cap

₹55,671 Cr, #10 of 193 in its industry by size.

Defensive

Beta 0.24 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹13,130 Cr · profit ₹2,608 Cr
Market cap
₹55,671 Cr
Mid cap
P/E
21.4
Industry 15.5
Price to book
3.24
Peers 2.62
Dividend yield
0.43%
ROE
16.3%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹27.40
Face value ₹10
OPM (TTM)
29.6%
Net margin 19.9%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+74.9%
Latest quarter vs a year ago
Price to sales
4.24

Strengths and risks

Strengths

  • Quarterly profit up 74.9% on a year ago.

Risks to check

  • 35% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About SBI Cards and Payment Services

SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate, central travel, utility, and corporate purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited…

Headquarters
Gurugram
Employees
4,218
Sector
Financial Services
ISIN
INE018E01016
Website
sbicard.com

Price range

52 weeks

₹519.05₹906.40

Today

₹570.85₹585.80
Avg volume (3M)
19.6 L
1-year return
minus 33.6%
From 52-week high
minus 35.5%

Analyst consensus

24 analysts
HoldMean target ₹656.58 plus 12.2%

Target range, with today’s price

Low ₹430.00High ₹900.00

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
SBICARDSBI Cards and Payment Services585.000.00%55,67121.43.2416.3%3.7%−1.4%0.43%minus 33.6%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
4,0354,2224,0644,0644,180
813785714745787
3533.932.330.532.5
7487498168931,046
25.7%25.7%25.3%25.6%25.6%
556557609664778
5.845.856.406.988.17

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
−1.4%
EPS CAGR 3Y
−1.5%
ROE
16.3%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
10,67812,75114,26815,627
–+19.4%+11.9%+9.5%
1,6442,5893,1783,072
164197147136
0.2−01.70.1
3,0313,2322,5812,913
25.5%25.5%25.7%25.6%
2,2582,4081,9162,167
–+6.6%minus 20.4%+13.1%
23.8025.3720.1422.77

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
946951951952
8,88411,13312,83014,774
31,53140,31545,17144,230
4,1845,7736,5936,372
45,54658,17165,54666,328
454438227158
6.10.10.20
2,1403,5196,2356,374
1,0162,5082,5602,133
41,93051,70556,52457,663
45,54658,17165,54666,328

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−6,671−5,653−2,140493
−921−1,255−2,491245
7,8248,4014,687−1,172
2321,49255.5−434
−93.4−74.5−55.8−33.6
−6,764−5,728−2,196459
−213−363−287−217

Shareholding pattern

Source: NSE filings

NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 24.9% (Yahoo estimate).

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you