SBI CARDS & PAY SER LTD (SBICARD) financials

SBI CARDS & PAY SER LTD (SBICARD) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

SBI Cards and Payment Services Limited is a non-deposit accepting systemically important nonbanking financial company registered with the RBI. The Company is engaged in issuing credit cards to consumers in India. It is headquartered in Gurgaon, Haryana. It is a subsidiary of India’s largest commercial bank, the State Bank of India.[1][2][3]

Market Cap: ₹53,692Cr.
Current Price: ₹564
Stock P/E: 23.6
ROE: 14.7%
ROCE: 10.1%
Book Value: ₹165
Dividend Yield: 0.44%
52W High / Low: ₹965/548

In Jun 2026, SBI CARDS & PAY SER LTD (SBICARD) reported sales ₹5,041 Cr and net profit ₹664 Cr.

Annual TTM: sales ₹20,063 Cr, net profit ₹2,275 Cr.

Shareholding: Promoters 68.86% (Sep 2026), FIIs 7.12% (Sep 2026), DIIs 20.18% (Sep 2026), Public 3.82% (Sep 2026), No. of Shareholders 7,17,215% (Sep 2026).

SBICARD quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	4,421	4,619	4,674	4,877	4,961	5,127	4,934	5,041
Interest	788	829	795	813	760	785	714	745
Expenses	3,173	3,372	3,320	3,439	3,742	3,785	3,625	3,537
Financing Profit	461	419	559	625	459	557	596	759
Financing Margin %	10%	9%	12%	13%	9%	11%	12%	15%
Other Income	135	148	158	158	176	226	253	165
Depreciation	50	49	-2	35	35	34	32	31
Profit before tax	545	518	719	748	600	749	816	893
Tax %	26%	26%	26%	26%	26%	26%	25%	26%
Net Profit	404	383	534	556	445	557	609	664
EPS in Rs	4.25	4.03	5.61	5.84	4.67	5.85	6.40	6.98
Gross NPA %	3.27%	3.24%	3.08%	3.07%	2.85%	2.86%	2.41%	2.04%
Net NPA %	1.19%	1.18%	1.46%	1.42%	1.29%	1.28%	1.04%	0.83%
Raw PDF	—	—	—	—	—	—	—	—

SBICARD profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	9,281	9,301	10,679	13,670	16,986	18,074	19,901	20,063
Interest	1,301	1,043	1,027	1,648	2,595	3,178	3,072	3,003
Expenses	6,618	7,223	7,953	9,444	11,460	12,731	14,587	14,689
Financing Profit	1,362	1,034	1,699	2,579	2,931	2,164	2,243	2,371
Financing Margin %	15%	11%	16%	19%	17%	12%	11%	12%
Other Income	471	413	622	615	498	563	806	819
Depreciation	104	123	149	164	197	147	136	132
Profit before tax	1,730	1,324	2,172	3,031	3,232	2,581	2,913	3,058
Tax %	28%	26%	26%	25%	25%	26%	26%	—
Net Profit	1,245	985	1,616	2,258	2,408	1,916	2,167	2,275
EPS in Rs	13.26	10.47	17.14	23.87	25.32	20.14	22.77	23.90
Dividend Payout %	8%	0%	15%	10%	10%	12%	11%	—

SBICARD balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	837	939	941	943	946	951	951	952
Reserves	2,751	4,402	5,362	6,810	8,884	11,133	12,830	14,774
Borrowing	13,549	17,573	17,895	22,982	31,110	39,891	44,947	44,064
Other Liabilities	3,009	2,393	2,816	3,913	4,606	6,196	6,817	6,539
Total Liabilities	20,146	25,307	27,013	34,648	45,546	58,171	65,546	66,328
Fixed Assets	196	311	308	439	551	542	320	219
CWIP	20	24	10	14	23	22	10	12
Investments	1	1	958	1,297	2,140	3,519	6,235	6,374
Other Assets	19,928	24,971	25,737	32,898	42,832	54,088	58,980	59,723
Total Assets	20,146	25,307	27,013	34,648	45,546	58,171	65,546	66,328

SBICARD cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-2,327	-4,063	692	-4,391	-6,671	-5,653	-2,140	493
Cash from Investing Activity	-76	-77	-997	-538	-921	-1,255	-2,491	245
Cash from Financing Activity	2,824	3,923	432	5,045	7,824	8,401	4,687	-1,172
Net Cash Flow	422	-218	127	115	232	1,492	55	-434
Free Cash Flow	-2,423	-4,141	635	-4,491	-6,764	-5,728	-2,196	459

SBICARD shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	68.60%	68.60%	68.59%	68.59%	68.58%	68.92%	68.86%	68.86%
FIIs	9.52%	9.88%	10.23%	10.10%	10.14%	9.54%	8.98%	7.12%
DIIs	16.47%	17.22%	17.50%	17.76%	17.84%	18.12%	18.13%	20.18%
Public	5.41%	4.30%	3.68%	3.56%	3.42%	3.42%	4.02%	3.82%
No. of Shareholders	9,37,270	8,47,672	7,74,642	7,50,786	7,18,342	7,05,597	7,29,862	7,17,215

SBICARD key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	29%	28%	17%	23%	26%	22%	15%	15%

SBICARDUpdated 19 Oct 2026, 6:04

Sbi Cards & Pay Ser Ltd

SBICARDUpdated 19 Oct 2026, 6:04

Market Cap

₹53,692Cr.

Current Price

₹564

High / Low

₹965/548

Stock P/E

23.6

ROE14.7%

ROCE10.1%

Book Value₹165

Face Value₹10.0

Dividend Yield0.44%

About

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	3912	571	2631	710	18	134	48	797	26	593	6.27	2.41	0.89
Sep 2023	4087	605	2760	722	18	134	47	809	26	603	6.37	2.43	0.89
Dec 2023	4622	695	3258	668	14	120	51	738	26	549	5.78	2.64	0.96
Mar 2024	4348	724	2811	813	19	127	52	888	25	662	6.97	2.76	0.99
Jun 2024	4359	767	2867	725	17	124	49	799	26	594	6.25	3.06	1.11
Sep 2024	4421	788	3173	461	10	135	50	545	26	404	4.25	3.27	1.19
Dec 2024	4619	829	3372	419	9	148	49	518	26	383	4.03	3.24	1.18
Mar 2025	4674	795	3320	559	12	158	-2	719	26	534	5.61	3.08	1.46
Jun 2025	4877	813	3439	625	13	158	35	748	26	556	5.84	3.07	1.42
Sep 2025	4961	760	3742	459	9	176	35	600	26	445	4.67	2.85	1.29
Dec 2025	5127	785	3785	557	11	226	34	749	26	557	5.85	2.86	1.28
Mar 2026	4934	714	3625	596	12	253	32	816	25	609	6.4	2.41	1.04
Jun 2026	5041	745	3537	759	15	165	31	893	26	664	6.98	2.04	0.83

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	1822	378	1255	189	10	82	1	271	1	267	3.4
Mar 2016	2392	436	1617	339	14	100	1	438	35	284	3.62
Mar 2017	3347	528	2366	452	14	124	5	572	35	373	4.75
Mar 2018	5195	712	3715	769	15	175	24	919	35	601	7.66
Mar 2019	7017	1009	4887	1121	16	270	55	1335	35	865	10.33
Mar 2020	9281	1301	6618	1362	15	471	104	1730	28	1245	13.26
Mar 2021	9301	1043	7223	1034	11	413	123	1324	26	985	10.47
Mar 2022	10679	1027	7953	1699	16	622	149	2172	26	1616	17.14
Mar 2023	13670	1648	9444	2579	19	615	164	3031	25	2258	23.87
Mar 2024	16986	2595	11460	2931	17	498	197	3232	25	2408	25.32
Mar 2025	18074	3178	12731	2164	12	563	147	2581	26	1916	20.14
Mar 2026	19901	3072	14587	2243	11	806	136	2913	26	2167	22.77
TTM	20063	3003	14689	2371	12	819	132	3058	—	2275	23.9

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	68.86%
FIIs	7.12%
DIIs	20.18%
Public	3.82%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Dec 2023	68.75%	9.35%	16.27%	5.62%
Mar 2024	68.63%	8.59%	16.68%	6.09%
Jun 2024	68.62%	8.72%	16.54%	6.11%
Sep 2024	68.61%	9.18%	16.76%	5.46%
Dec 2024	68.6%	9.52%	16.47%	5.41%
Mar 2025	68.6%	9.88%	17.22%	4.3%
Jun 2025	68.59%	10.23%	17.5%	3.68%
Sep 2025	68.59%	10.1%	17.76%	3.56%
Dec 2025	68.58%	10.14%	17.84%	3.42%
Mar 2026	68.92%	9.54%	18.12%	3.42%
Jun 2026	68.86%	8.98%	18.13%	4.02%
Sep 2026	68.86%	7.12%	20.18%	3.82%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	785	181	593	6257	2	0	0	6256	6257
Mar 2016	785	370	797	7880	2	0	0	7878	7880
Mar 2017	785	664	1048	10765	24	0	0	10741	10765
Mar 2018	785	1568	1920	15686	242	35	0	15409	15686
Mar 2019	837	2751	3009	20146	196	20	1	19928	20146
Mar 2020	939	4402	2393	25307	311	24	1	24971	25307
Mar 2021	941	5362	2816	27013	308	10	958	25737	27013
Mar 2022	943	6810	3913	34648	439	14	1297	32898	34648
Mar 2023	946	8884	4606	45546	551	23	2140	42832	45546
Mar 2024	951	11133	6196	58171	542	22	3519	54088	58171
Mar 2025	951	12830	6817	65546	320	10	6235	58980	65546
Mar 2026	952	14774	6539	66328	219	12	6374	59723	66328

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	-879	1	1008	130
Mar 2016	-1158	1	1141	-17
Mar 2017	-2235	-1	2244	9
Mar 2018	-2891	128	2953	190
Mar 2019	-2327	-76	2824	422
Mar 2020	-4063	-77	3923	-218
Mar 2021	692	-997	432	127
Mar 2022	-4391	-538	5045	115
Mar 2023	-6671	-921	7824	232
Mar 2024	-5653	-1255	8401	1492
Mar 2025	-2140	-2491	4687	55
Mar 2026	493	245	-1172	-434

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	31%	27%	29%	32%	29%	28%	17%	23%	26%	22%	15%	15%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of SBI CARDS & PAY SER LTD (SBICARD)?

The reported market capitalisation for SBI CARDS & PAY SER LTD (SBICARD) is ₹53,692Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of SBICARD?

The current price shown for SBI CARDS & PAY SER LTD (SBICARD) on Fincrux is ₹564 with a 52-week high/low of ₹965/548.

What is the P/E ratio of SBI CARDS & PAY SER LTD (SBICARD)?

The stock P/E for SBI CARDS & PAY SER LTD (SBICARD) is 23.6 on Fincrux, with ROE at 14.7% and ROCE at 10.1%.

What were SBICARD latest quarterly results?

For Jun 2026, SBI CARDS & PAY SER LTD (SBICARD) reported sales ₹5,041 Cr and net profit ₹664 Cr (figures in ₹ crore unless noted).

What are SBICARD annual sales and net profit?

For TTM, SBI CARDS & PAY SER LTD (SBICARD) shows sales of ₹20,063 Cr and net profit of ₹2,275 Cr on the Fincrux profit & loss statement.

Who owns SBI CARDS & PAY SER LTD (SBICARD)?

Latest shareholding for SBI CARDS & PAY SER LTD (SBICARD) on Fincrux: Promoters 68.86% (Sep 2026), FIIs 7.12% (Sep 2026), DIIs 20.18% (Sep 2026), Public 3.82% (Sep 2026), No. of Shareholders 7,17,215% (Sep 2026).

Where can I find SBI CARDS & PAY SER LTD (SBICARD) financials?

SBI CARDS & PAY SER LTD (SBICARD) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show SBICARD balance sheet and cash flow?

Yes. The SBI CARDS & PAY SER LTD (SBICARD) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 19 October 2026 at 6:04