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  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison
Overview
  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison

SBI Cards & Payment Services Ltd Finance & Investments

  • GoI - SBI
  • BSE Code : 20149.0
  • ISIN : INE018E01016
590.00 5 (0.90%)
  • As on 12 Nov 2026 (EOD)

  • Today’s Low

    584.00

  • Today’s High

    600.90

  • Open

    585.00

  • Perv Close

    584.75

  • 52W Low

    519.05

  • 52W High

    906.40

Key Indicators

  • P/E(TTM)

    21.50

  • Mar.Cap (₹Cr.)

    56,147.31

  • Div & Yield %

    0.42

  • Book Value(₹)

    180.45

  • Debt-Equity Ratio

    0.90

  • AGM Date

    12-Nov-2026

  • EPS

    27.40

  • P/E Ratio

    21.50

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    56,147.31

  • RONW (%)

    -

  • ROCE (%)

    -

Score Board

  • Equity (₹ in Cr.)

    951.65

  • BV (₹)

    180.40

  • Sales( ₹ in Cr.)

    20,707.62

  • NP (in Cr.)

    2,166.61

  • NP Var(%)

    13.0

  • Div%

    25.0

  • CPS (₹)

    24.20

  • EPS (₹)

    22.80

  • Traded Value (₹ in Lakhs)

    56,052.15

  • 52 Week High

    906.40

  • 52 Week Low

    519.05

  • Price BSE

    589.0

  • Price NSE

    590.00

  • Market Capital( in Cr.)

    56,052.15

  • P/C Ratio

    24.30

  • P/E Ratio

    25.90

  • Price Vs.BV

    22.80

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Financials

All Values are in (₹Cr)
Particulars(INCOME) 2026 Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar
INCOME :            
Operating Income 19,901.40 18,073.95 16,985.69 13,670.39 10,678.89 9,300.57
Other Income 806.22 563.20 497.81 615.28 622.63 413.01
Total Income 20,707.62 18,637.15 17,483.50 14,285.67 11,301.52 9,713.58
EXPENDITURE :            
Operating & Administration Expenses 8,895.24 7,211.54 7,555.12 6,683.39 5,185.14 4,057.53
Miscellaneous Expenses 5,030.35 4,930.15 3,334.92 2,198.38 2,295.63 2,674.08
Interest 3,071.58 3,178.40 2,595.22 1,647.63 1,027.32 1,043.40
Less: Pre-operative Expenses Capitalised 0.00 0.00 0.00 0.00 0.00 0.00
Employee Expense 661.01 589.56 569.69 561.89 472.71 491.58
Total Expenditure 17,658.18 15,909.65 14,054.95 11,091.29 8,980.80 8,266.59
Gross Profit 3,049.44 2,727.50 3,428.55 3,194.38 2,320.72 1,446.99
Depreciation 136.25 146.82 196.75 163.81 148.56 123.26
Profit Before Tax 2,913.19 2,580.68 3,231.80 3,030.57 2,172.16 1,323.73
Current Tax 751.83 753.25 931.41 799.29 382.88 463.48
Fringe Benefit tax 0.00 0.00 0.00 0.00 0.00 0.00
Deferred Tax -5.35 -88.98 -107.49 -27.19 173.14 -124.27
Reported Net Profit 2,166.71 1,916.41 2,407.88 2,258.47 1,616.14 984.52
Extraordinary Items 0.10 0.00 -0.02 0.13 -0.47 -0.18
Adjusted Net Profit 2,166.61 1,916.41 2,407.90 2,258.34 1,616.61 984.70
Adjustment below net profit 4.32 -0.49 -1.17 -3.41 5.16 5.55
Profit/Loss Balance brought forward 9,021.69 7,728.02 6,042.02 4,481.06 3,418.78 2,719.51
Appropriations 239.35 238.97 239.13 242.41 235.79 93.90
P & L Balance carried down 10,520.03 9,021.69 7,728.02 6,042.02 4,481.06 3,418.78
Dividend 237.90 237.74 237.74 236.52 235.79 93.90
Preference Share Dividend 0.00 0.00 0.00 0.00 0.00 0.00
Equity Dividend Rate (%) 25.00 25.00 25.00 25.00 25.00 0.00
Dividend Per Share(Rs) 2.50 2.50 2.50 2.50 2.50 0.00
Earnings Per Share-Unit Curr 22.77 20.14 25.32 23.87 17.14 10.47
Earnings Per Share(Adj)-Unit Curr 22.77 20.14 25.32 23.87 17.14 10.47
Book Value-Unit Curr 165.25 144.86 127.07 103.90 82.20 66.97
Book Value(Adj)-Unit Curr 165.25 144.86 127.07 103.90 82.20 66.97

Shareholding Pattern

  • Promoter Group

    68.86%

  • Public Share Holding

    31.14%

Category of Shareholder No of Shares % Holdings Demat Shares Shareholders
A]. Promoter & Group
Foreign (Promoter & Group) - Bodies Corporate 0 0.00 0 0
Foreign (Promoter & Group)-Individuals (Non-Resident / Foreign) 0 0.00 0 0
Foreign Promoter(Institutional) 0 0.00 0 0
Promoter Others 0 0.00 0 0
Sub Total 0 0.00 0 0
[2] INDIAN
Bodies Corporate-Indian (Promoter & Group) 0 0.00 0 0
Government(Central / State)-Indian (Promoter & Group) 0 0.00 0 0
Directors & their Relatives-Indian (Promoter & Group) 0 0.00 0 0
Financial Institutions / Banks-Indian (Promoter & Group) 652,633,992 68.58 652,633,992 1
Individuals / Hindu Undivided Family-Indian (Promoter & Group) 0 0.00 0 0
Partnership Firms-Indian (Promoter & Group) 0 0.00 0 0
Persons Acting in Concert 0 0.00 0 0
Trusts 0 0.00 0 0
Others 2,650,319 0.28 2,650,319 1
Sub Total 655,284,311 68.86 655,284,311 2
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State) 21 0.00 21 2
Clearing Members 0 0.00 0 0
Corporate Bodies 0 0.00 0 0
Foreign Direct Investments 0 0.00 0 0
Financial Institutions / Banks 0 0.00 0 0
Foreign Bank 0 0.00 0 0
Foreign Bodies Corporate/OCBs/FBC 0 0.00 0 0
Foreign Collaborators 0 0.00 0 0
Foreign Institutional Investors 67,719,582 7.12 67,719,582 186
Foreign Venture Capital Investors 0 0.00 0 0
Foreign Institution Other 0 0.00 0 0
Insurance Companies 63,707,703 6.69 63,707,703 16
Mutual Funds / UTI 123,752,285 13.00 123,752,285 34
Individuals (Non-Resident / Foreign) 0 0.00 0 0
NSDL Intransit 0 0.00 0 0
Others 4,733,547 0.50 4,733,547 12
Trusts 0 0.00 0 0
Venture Capital Funds 0 0.00 0 0
Sub total 259,913,138 27.31 259,913,138 250
2] Non Institution
Bodies Corporate 2,229,822 0.23 2,229,822 666
Clearing Members 276,612 0.03 276,612 45
Directors of their Relatives 0 0.00 0 0
Employees 0 0.00 0 0
Escrow Account 0 0.00 0 0
Foreign Corporate Bodies 0 0.00 0 0
Foreign Direct Investments 0 0.00 0 0
NRIs/Foreign Individuals/Foreign Nationals 1,496,858 0.16 1,496,858 9,427
Foreign Non Institution Other 200 0.00 200 1
Hindu Undivided Families 880,298 0.09 880,298 15,075
Indian Public 0 0.00 0 0
Individuals holding nominal share capital in excess of Rs. 1 lakh 2,504,190 0.26 2,504,190 33
Individuals holding nominal share capital up to Rs. 1 lakh 28,761,122 3.02 28,761,070 691,657
Market Maker 0 0.00 0 0
NSDL Transit 0 0.00 0 0
Shares in transit 0 0.00 0 0
Societies 0 0.00 0 0
Trust & Foundation 271,789 0.03 271,789 16
Others 1,229 0.00 1,229 1
Sub Total 36,446,334 3.83 36,446,282 716,963
Total Public Shareholding
C]. Shares held by Custodians and against which Depository Receipts have been issued
ADR 0 0.00 0 0
GDR 0 0.00 0 0
Other Custodians 0 0.00 0 0
Total Shares held by Custodians and against which Depository Receipts have been issued 0 0.00 0 0
Grand Total ( A + B + C ) 951,643,783 100.00 951,643,731 717,215

Company Background

SBI Cards & Payment Services LtdFinance & Investments

  • SBI Cards & Payment Services Ltd
  • BSE Code : 20149.0
  • ISIN : INE018E01016

  • Incorporation Year

    1998

  • Registered Office

    Unit 401&402 4th Floor E-1,2,3
    Netaji Subhash Place Wazirpur, New Delhi,
    Delhi-110034

  • Telephone

    91-11-61268100

  • FAX

  • Chairman

    Challa Sreenivasulu Setty

  • Managing Director

    Salila Pande

  • Company Secretary

  • Auditor

    S P Chopra & Co/V K Dhingra & Co

  • Face Value

    10

  • Listing

    NSE

  • Registrar

    MUFG Intime India Pvt Ltd
    C-101 247 Park,
    L B S Marg,Vikhroli West
    Mumbai - Mumbai-400083

SBI Cards & Payment Services Ltd Peer Comparison

Profit & Loss
Financial Ratios
Balance Sheet
Select Company Name LTP (₹) Revenue Sales P/E Ratio ROCE %
SBI Cards 589.00 20,707.62 19,899.63 21.50 10.10
TVS Holdings 12,797.60 516.59 516.34 21.05 15.52
Mah. Scooters 12,054.90 313.24 312.76 45.21 1.06
Bajaj Holdings 11,267.10 3,184.31 3,130.62 55.99 12.82
Alfred Herbert 2,709.00 44.77 44.73 7.35 12.10
Rane Holdings 1,662.80 171.45 165.69 27.19 13.92
GKW 1,643.90 47.96 32.09 69.25 2.11
Max Financial 1,365.50 30.68 25.79 4,267.19 0.05
Tata Inv.Corpn. 588.65 426.34 420.21 80.31 1.29
Naperol Invest. 530.25 26.80 26.72 27.19 1.07
Aravali Sec 3.90 0.95 0.00 -32.50 0.00