SBI Cards & Payment Services Ltd - Technical chart

consolidated in Rs/Cr.

Industry

Industry name

Finance
Variance

Full Year Net Profit Variance

13
Equity

Latest Equity

951.64
Face Value

Latest Face Value

10
Reserves

Total Reserve

14773.9
Dividend

Full Year Dividend %

25
Sales Turnover

Full Year Net Sales

20707.62
Net Profit

Full Year Net Profit

2166.61
Full Year CPS

Full Year Cash Per Share

24.2
Earning Per Share

Full Year Earning Per Share

22.8
Quarter CPS

Latest quarter Cash Per Share

0
Latest Quarter Date

Latest Quarter Yrc

Jun 1, 2026
Latest Quarter Sales

Latest Quarter Net Sales

5205.36
Previous EPS

Previous earnings per share

0
Book Value

Book value

165.2
Networth

Full Year Return on Networth

14.69
Price/Book Value

Price to Book value

3.904358
Yearly PE ratio

Full Year Price to Earning per share

28.3
Yearly PC ratio

Full Year Price to Cash Per Share

26.7
Bse value

BSE Value in lakhs

396.24
Nse value

NSE Value in lakhs

11328.37
High

52 week high

965
Low

52 week low

567
Price

NSE Current market price

645
CPM

Current market price

645
Market cap

BSE / NSE Market Cap

61352.43
Net profit

Latest Quarter Net Profit

664.44
Net profit variance

Latest Quarter Net Profit variance

20
Result year

Trailing latest month

Jun 1, 2026
TTM Sales

Trailing Twelve 12 month Net Sales

18254.58
TTM OP

Trailing Twelve 12 month Operating Profit

6146.08
TTM OPM

Trailing Twelve 12 month Operating Profit Margin

33.67
TTM GP

Trailing Twelve 12 month Gross Profit

3189.64
TTM GPM

Trailing Twelve 12 month Gross Profit Margin

15.27
TTM NP

Trailing Twelve 12 month Net Profit

2210.32
TTM NPV

Trailing Twelve 12 month Net Profit Variane

21.16
TTM EPS

Trailing Twelve 12 month EPS

23.91
TTM PE

Trailing Twelve 12 month PE

26.96
TTM CPS

Trailing Twelve 12 month CPS

0
Month CPS

Month Cash Per Share

0
TTM Depreciation

Trailing Twelve 12 month Depreciation

202.13
Equity

Latest Equity

951.64
LTP

Latest Price (BSE/NSE)

645
Gross block

Latest Gross Block

1062.86
Loans

Total loans

16956.05
Advances

Latest Advances for Banks

0
Net profit asset

Latest Assets

581.18
Year OPM

Full Year Operating Profit Margin

29.6
Year GPM

Full Year Gross Profit Margin

14.7
Quarter OPM

Latest quater Operation Profit Margin

32

Quarterly Results (consolidated, figures in Rs Cr.)

Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
+ Sales 4,421 4,619 4,674 4,877 4,961 5,127 4,935 5,041
YOY Sales Growth % 8% -0% 8% 12% 12% 11% 6% 3%
Gross Sales 4,421 4,619 4,674 4,877 4,961 5,127 4,935 5,041
+ Expenses 3,173 3,372 3,320 3,439 3,742 3,785 3,625 3,537
Manufacturing Cost % 41% 41% 41% 39% 46% 46% 48% 47%
Employee Cost % 3% 3% 3% 3% 3% 4% 3% 4%
Other Cost % 27% 28% 27% 28% 26% 24% 22% 19%
Other Manufacturing Expenses % 41% 41% 41% 39% 46% 46% 48% 47%
Provisions & Contingencies % 27% 28% 27% 28% 26% 24% 22% 19%
Operating Profit 1,248 1,247 1,354 1,438 1,219 1,342 1,309 1,503
OPM % 28% 27% 29% 29% 25% 26% 27% 30%
+ Other Income 135 148 158 158 176 226 253 165
Miscellaneous Income 135 148 158 158 176 226 253 165
Interest 788 829 795 813 760 785 714 745
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%
Current Tax 201 160 165 210 178 192 171 246
Deferred Tax -60 -26 19 -18 -23 0 35 -18
Net Profit 404 383 534 556 445 557 609 664
EPS in Rs

Profit & Loss (consolidated, figures in Rs Cr.)

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
+ Sales 3,347 5,195 7,017 9,281 9,301 10,679 13,670 16,986 18,074 19,901
Sales Growth % 55% 35% 32% 0% 15% 28% 24% 6% 10%
Gross Sales 9,277 9,296 10,678 13,667 16,969 18,072 19,900
+ Expenses 2,366 3,715 4,887 6,618 7,223 7,953 9,444 11,460 12,731 14,587
Manufacturing Cost % 14% 9% 1% 1% 8% 10% 11% 10% 7% 9%
Employee Cost % 3% 4% 5% 5% 5% 4% 4% 3% 3% 3%
Other Cost % 53% 59% 63% 65% 64% 60% 54% 54% 60% 61%
Power & Fuel % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Other Manufacturing Expenses % 14% 9% 1% 1% 8% 10% 11% 10% 7% 9%
Selling & Administration % 37% 43% 47% 44% 36% 38% 38% 34% 33% 36%
Miscellaneous Expenses % 16% 16% 17% 21% 29% 21% 16% 20% 27% 25%
Provisions & Contingencies % 21% 28% 21% 16% 19% 27% 25%
Operating Expenses (Fin.) % 0% 0% 0% 40% 49% 10% 0%
Operating Profit 980 1,480 2,130 2,663 2,077 2,725 4,227 5,526 5,343 5,315
OPM % 29% 28% 30% 29% 22% 26% 31% 33% 30% 27%
+ Other Income 124 175 270 471 413 623 615 498 563 806
Miscellaneous Income 477 417 624 622 515 564 813
Interest 528 712 1,009 1,301 1,043 1,027 1,648 2,595 3,178 3,072
Depreciation 5 24 55 104 123 149 164 197 147 136
Profit before tax 1,730 1,324 2,172 3,031 3,232 2,581 2,913
+ Tax % 28% 26% 26% 25% 25% 26% 26%
Current Tax 246 266 547 596 463 383 799 931 753 752
Deferred Tax -47 52 -77 -111 -124 173 -27 -107 -89 -5
+ Net Profit 1,245 985 1,616 2,258 2,408 1,916 2,167
Profit Growth % -21% 64% 40% 7% -20% 13%
EPS in Rs

Balance Sheet (consolidated, figures in Rs Cr.)

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 785 785 837 939 941 943 946 951 951 952
Reserves 664 1,568 2,751 4,402 5,359 6,810 8,884 11,133 12,830 14,774
+ Borrowings 8,268 11,413 13,549 17,573 17,895 22,982 31,110 39,891 44,947 44,064
Secured Borrowings 195 7,302 8,205 10,475 10,664 14,180 20,393 26,794 29,974 27,108
Unsecured Borrowings 8,073 4,111 5,345 7,098 7,231 8,802 10,716 13,097 14,972 16,956
Deferred Credit 0 0 7 177 0 0 0 0 0 0
+ Other Liabilities 1,048 1,920 -14,900 -20,419 -20,640 -26,274 -34,755 -42,883 -47,117 -48,446
Current Liabilities 904 1,580 3,009 2,393 2,816 4,108 4,878 6,478 7,117 6,807
Provisions 497 403 705 603 410 477 638 636 677 808
Equity Application Money 0 0 0 0 3 0 0 0 0 0
Other liability items 143 340 0 0 0 0 0 0 0 0
Total Liabilities 10,765 15,686 2,237 2,495 3,554 4,461 6,185 9,092 11,611 11,343
+ Fixed Assets 24 242 196 311 308 439 551 542 320 219
Gross Block 29 271 264 479 596 832 1,068 1,195 1,036 1,063
Accumulated Depreciation 5 29 68 168 288 392 517 653 716 844
CWIP 0 35 20 24 10 14 23 22 10 12
Investments 0 0 1 1 958 1,297 2,140 3,519 6,235 6,374
+ Other Assets 10,741 15,409 2,020 2,159 2,278 2,710 3,471 5,009 5,046 4,739
Trade receivables 25 23 149 54 82 168 142 243 236 283
Cash Equivalents 283 473 777 677 720 1,106 1,354 2,730 2,738 2,320
Loans n Advances 10,222 14,375 1,094 1,427 1,476 1,630 2,247 2,318 2,371 2,404
Other asset items 211 538 0 0 0 -195 -272 -282 -299 -269
Total Assets 10,765 15,686 2,237 2,495 3,554 4,461 6,185 9,092 11,611 11,343

Cash Flow (consolidated, figures in Rs Cr.)

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
+ Cash from Operating Activity -2,235 -2,891 -2,327 -4,063 692 -4,391 -6,671 -5,653 -2,140 493
Profit Before Tax & Extraordinary Items 572 604 1,335 1,730 1,324 2,172 3,031 3,232 2,581 2,913
Depreciation 5 13 55 104 123 149 164 197 147 136
Interest (Net) 528 700 55 94 1,037 1,029 1,634 9,352 11,070 11,376
Profit / Loss on Sale of Assets 0 0 0 0 0 1 0 0 0 0
Profit / Loss on Sale of Investments 0 -1 0 -1 0 0 0 0 0 -2
Provisions & Write-offs (Net) 530 1,118 1,147 1,777 2,630 2,255 2,159 3,287 4,871 4,853
Profit / Loss in Forex 0 0 0 1 0 -1 0 1 -2 1
Receivables -20 62 -143 94 -27 -87 24 -100 8 -48
Trade Payables 33 306 136 62 165 237 279 113 85 121
Loans & Advances -3,329 -4,862 -4,890 -6,840 -3,347 -8,985 -11,333 -19,962 -17,895 -14,623
Interest Paid (Net) -502 -692 0 0 -1,096 -1,027 -1,584 -2,604 0 0
Direct Taxes Paid -339 -258 -479 -681 -483 -372 -764 -936 -750 -772
+ Cash from Investing Activity -1 128 -76 -77 -997 -538 -921 -1,255 -2,491 245
Purchase of Fixed Assets -2 -42 -96 -78 -57 -100 -93 -74 -56 -34
Sale of Fixed Assets 0 2 0 0 0 0 0 0 0 0
Purchase of Investments -1,270 -1,430 -766 -1,600 -1,405 -3,762 -3,705 -3,024 -4,775 -5,110
Sale of Investments 1,270 1,431 765 1,601 465 3,323 2,876 1,642 2,081 4,734
Interest Received 0 3 21 0 0 0 0 202 259 654
Others 0 163 0 0 0 0 0 0 0 0
+ Cash from Financing Activity 2,244 2,953 2,824 3,923 432 5,045 7,824 8,401 4,687 -1,172
Proceeds from Issue of Shares 0 0 470 494 27 37 44 74 6 3
Proceeds from Issue of Debentures 23,677 22,101 19,928 20,841 6,449 4,255 2,337 810 0 2,000
Proceeds from Other Long-Term Borrowings 0 7,610 1,211 2,032 366 4,017 8,708 10,130 7,939 0
Redemption of Debentures -18,726 -26,623 -18,735 -19,293 -6,263 -3,107 -2,882 -1,450 -2,905 -2,050
Repayment of Long-Term Borrowings -2,608 -40 -50 -50 0 -100 -100 -700 0 -842
Repayment of Financial Liabilities -4 0 0 0 -53 -57 -71 -101 -66 -66
Dividend Paid -94 -94 0 -101 -94 0 -213 -363 -287 -217
Net Cash Flow 9 190 422 -218 127 115 232 1,492 55 -434