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

951.61
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

2166.71
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

Mar 1, 2026
Latest Quarter Sales

Latest Quarter Net Sales

5187.04
Previous EPS

Previous earnings per share

0
Book Value

Book value

165.3
Networth

Full Year Return on Networth

14.82
Price/Book Value

Price to Book value

3.901996
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

542.23
Nse value

NSE Value in lakhs

11176.96
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

61341.07
Net profit

Latest Quarter Net Profit

609.3
Net profit variance

Latest Quarter Net Profit variance

14
Result year

Trailing latest month

Mar 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

3049.44
TTM GPM

Trailing Twelve 12 month Gross Profit Margin

14.73
TTM NP

Trailing Twelve 12 month Net Profit

2210.32
TTM NPV

Trailing Twelve 12 month Net Profit Variane

13.06
TTM EPS

Trailing Twelve 12 month EPS

22.77
TTM PE

Trailing Twelve 12 month PE

28.31
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

951.61
LTP

Latest Price (BSE/NSE)

645
Gross block

Latest Gross Block

1036.48
Loans

Total loans

14972.26
Advances

Latest Advances for Banks

0
Net profit asset

Latest Assets

799.55
Year OPM

Full Year Operating Profit Margin

25.7
Year GPM

Full Year Gross Profit Margin

14.7
Quarter OPM

Latest quater Operation Profit Margin

30.1

Quarterly Results (consolidated, figures in Rs Cr.)

Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
+ Sales 4,359 4,421 4,619 4,674 4,877 4,961 5,127 4,935
YOY Sales Growth % 11% 8% -0% 8% 12% 12% 11% 6%
Gross Sales 4,359 4,421 4,619 4,674 4,877 4,961 5,127 4,935
+ Expenses 2,867 3,173 3,372 3,320 3,439 3,742 3,785 3,625
Manufacturing Cost % 37% 41% 41% 41% 39% 46% 46% 48%
Employee Cost % 3% 3% 3% 3% 3% 3% 4% 3%
Other Cost % 25% 27% 28% 27% 28% 26% 24% 22%
Other Manufacturing Expenses % 37% 41% 41% 41% 39% 46% 46% 48%
Provisions & Contingencies % 25% 27% 28% 27% 28% 26% 24% 22%
Operating Expenses (Fin.) % 42% 0% 0% 0% 0% 0% 0% 0%
Operating Profit 1,491 1,248 1,247 1,354 1,438 1,219 1,342 1,309
OPM % 34% 28% 27% 29% 29% 25% 26% 27%
+ Other Income 124 135 148 158 158 176 226 253
Miscellaneous Income 124 135 148 158 158 176 226 253
Interest 767 788 829 795 813 760 785 714
Depreciation 49 50 49 -2 35 35 34 32
Profit before tax 799 545 518 719 748 600 749 816
+ Tax % 26% 26% 26% 26% 26% 26% 26% 25%
Current Tax 227 201 160 165 210 178 192 171
Deferred Tax -22 -60 -26 19 -18 -23 0 35
Net Profit 594 404 383 534 556 445 557 609
EPS in Rs

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

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
+ Sales 2,392 3,347 5,195 7,017 9,281 9,301 10,679 13,670 16,986 18,074
Sales Growth % 40% 55% 35% 32% 0% 15% 28% 24% 6%
Gross Sales 9,277 9,296 10,678 13,667 16,969 18,072
+ Expenses 1,617 2,366 3,715 4,887 6,618 7,223 7,953 9,444 11,460 12,731
Manufacturing Cost % 17% 14% 9% 1% 1% 8% 10% 11% 10% 4%
Employee Cost % 3% 3% 4% 5% 5% 5% 4% 4% 3% 3%
Other Cost % 47% 53% 59% 63% 65% 64% 60% 54% 54% 63%
Power & Fuel % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Other Manufacturing Expenses % 17% 14% 9% 1% 1% 8% 10% 11% 10% 4%
Selling & Administration % 36% 37% 43% 47% 44% 36% 38% 38% 34% 36%
Miscellaneous Expenses % 11% 16% 16% 17% 21% 29% 21% 16% 20% 27%
Provisions & Contingencies % 21% 28% 21% 16% 19% 27%
Operating Expenses (Fin.) % 0% 0% 0% 40% 49% 10%
Operating Profit 775 980 1,480 2,130 2,663 2,077 2,725 4,227 5,526 5,343
OPM % 32% 29% 28% 30% 29% 22% 26% 31% 33% 30%
+ Other Income 100 124 175 270 471 413 623 615 498 563
Miscellaneous Income 477 417 624 622 515 564
Interest 436 528 712 1,009 1,301 1,043 1,027 1,648 2,595 3,178
Depreciation 1 5 24 55 104 123 149 164 197 147
Profit before tax 1,730 1,324 2,172 3,031 3,232 2,581
+ Tax % 28% 26% 26% 25% 25% 26%
Current Tax 145 246 266 547 596 463 383 799 931 753
Deferred Tax 9 -47 52 -77 -111 -124 173 -27 -107 -89
+ Net Profit 1,245 985 1,616 2,258 2,408 1,916
Profit Growth % -21% 64% 40% 7% -20%
EPS in Rs

Balance Sheet (consolidated, figures in Rs Cr.)

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 785 785 785 837 939 941 943 946 951 951
Reserves 370 664 1,568 2,751 4,402 5,359 6,810 8,884 11,133 12,830
+ Borrowings 5,928 8,268 11,413 13,549 17,573 17,895 22,982 31,110 39,891 44,947
Secured Borrowings 5,145 195 7,302 8,205 10,475 10,664 14,180 20,393 26,794 29,974
Unsecured Borrowings 783 8,073 4,111 5,345 7,098 7,231 8,802 10,716 13,097 14,972
Deferred Credit 1 0 0 7 177 0 0 0 0 0
+ Other Liabilities 797 1,048 1,920 -14,900 -20,419 -20,640 -26,274 -34,755 -42,883 -47,117
Current Liabilities 752 904 1,580 3,009 2,393 2,816 4,108 4,878 6,478 7,117
Provisions 379 497 403 705 603 410 477 638 636 677
Equity Application Money 0 0 0 0 0 3 0 0 0 0
Other liability items 45 143 340 0 0 0 0 0 0 0
Total Liabilities 7,880 10,765 15,686 2,237 2,495 3,554 4,461 6,185 9,092 11,611
+ Fixed Assets 2 24 242 196 311 308 439 551 542 320
Gross Block 6 29 271 264 479 596 832 1,068 1,195 1,036
Accumulated Depreciation 4 5 29 68 168 288 392 517 653 716
CWIP 0 0 35 20 24 10 14 23 22 10
Investments 0 0 0 1 1 958 1,297 2,140 3,519 6,235
+ Other Assets 7,878 10,741 15,409 2,020 2,159 2,278 2,710 3,471 5,009 5,046
Trade receivables 0 25 23 149 54 82 168 142 243 236
Cash Equivalents 274 283 473 777 677 720 1,106 1,354 2,730 2,738
Loans n Advances 7,012 10,222 14,375 1,094 1,427 1,476 1,630 2,247 2,318 2,371
Other asset items 592 211 538 0 0 0 -195 -272 -282 -299
Total Assets 7,880 10,765 15,686 2,237 2,495 3,554 4,461 6,185 9,092 11,611

Cash Flow (consolidated, figures in Rs Cr.)

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
+ Cash from Operating Activity -1,158 -2,235 -2,891 -2,327 -4,063 692 -4,391 -6,671 -5,653 -2,140
Profit Before Tax & Extraordinary Items 438 572 604 1,335 1,730 1,324 2,172 3,031 3,232 2,581
Depreciation 1 5 13 55 104 123 149 164 197 147
Interest (Net) 40 528 700 55 94 1,037 1,029 1,634 9,352 11,070
Profit / Loss on Sale of Assets 0 0 0 0 0 0 1 0 0 0
Profit / Loss on Sale of Investments -1 0 -1 0 -1 0 0 0 0 0
Provisions & Write-offs (Net) 654 530 1,118 1,147 1,777 2,630 2,255 2,159 3,287 4,871
Profit / Loss in Forex 0 0 0 0 1 0 -1 0 1 -2
Receivables 0 -20 62 -143 94 -27 -87 24 -100 8
Trade Payables 0 33 306 136 62 165 237 279 113 85
Loans & Advances -1,966 -3,329 -4,862 -4,890 -6,840 -3,347 -8,985 -11,333 -19,962 -17,895
Interest Paid (Net) -440 -502 -692 0 0 -1,096 -1,027 -1,584 -2,604 -3,157
Direct Taxes Paid -86 -339 -258 -479 -681 -483 -372 -764 -936 -750
+ Cash from Investing Activity 1 -1 128 -76 -77 -997 -538 -921 -1,255 -2,491
Purchase of Fixed Assets 0 -2 -42 -96 -78 -57 -100 -93 -74 -56
Sale of Fixed Assets 0 0 2 0 0 0 0 0 0 0
Purchase of Investments -967 -1,270 -1,430 -766 -1,600 -1,405 -3,762 -3,705 -3,024 -4,775
Sale of Investments 968 1,270 1,431 765 1,601 465 3,323 2,876 1,642 2,081
Interest Received 0 0 3 21 0 0 0 0 202 259
Others 0 0 163 0 0 0 0 0 0 0
+ Cash from Financing Activity 1,141 2,244 2,953 2,824 3,923 432 5,045 7,824 8,401 4,687
Proceeds from Issue of Shares 0 0 0 470 494 27 37 44 74 6
Proceeds from Issue of Debentures 100 23,677 22,101 19,928 20,841 6,449 4,255 2,337 810 0
Proceeds from Other Long-Term Borrowings 0 0 7,610 1,211 2,032 366 4,017 8,708 10,130 7,939
Proceeds from Short-Term Borrowings 1,085 0 0 0 0 0 0 0 0 0
Redemption of Debentures 0 -18,726 -26,623 -18,735 -19,293 -6,263 -3,107 -2,882 -1,450 -2,905
Repayment of Long-Term Borrowings 0 -2,608 -40 -50 -50 0 -100 -100 -700 0
Repayment of Financial Liabilities -1 -4 0 0 0 -53 -57 -71 -101 -66
Dividend Paid -94 -94 -94 0 -101 -94 0 -213 -363 -287
Others 51 0 0 0 0 0 0 0 0 0
Net Cash Flow -17 9 190 422 -218 127 115 232 1,492 55