SBI CARDS AND PAYMENT SERVICES LIMITED
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. SBI Cards and Payment Services Limited was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited operates as a subsidiary of State Bank of India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Large-cap with βΉ81.7K Cr market capitalisation
Concerns1
- Net profit declined 20.4% year-over-year
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ18.07 K Cr | β | βΉ1.92 K Cr | β | β | β | 6.4% | -20.4% |
| Mar 2024 | βΉ16.99 K Cr | β | βΉ2.41 K Cr | β | β | β | 24.3% | 6.6% |
| Mar 2023 | βΉ13.67 K Cr | β | βΉ2.26 K Cr | β | β | β | 28.0% | 39.7% |
| Mar 2022 | βΉ10.68 K Cr | β | βΉ1.62 K Cr | β | β | β | 14.8% | 64.1% |
| Mar 2021 | βΉ9.30 K Cr | β | βΉ985.00 Cr | β | β | β | 0.2% | -20.9% |
| Mar 2020 | βΉ9.28 K Cr | β | βΉ1.25 K Cr | β | β | β | 32.3% | 43.9% |
| Mar 2019 | βΉ7.02 K Cr | β | βΉ865.00 Cr | β | β | β | 35.1% | 43.9% |
| Mar 2018 | βΉ5.20 K Cr | β | βΉ601.00 Cr | β | β | β | 55.2% | 61.1% |
| Mar 2017 | βΉ3.35 K Cr | β | βΉ373.00 Cr | β | β | β | 39.9% | 31.3% |
| Mar 2016 | βΉ2.39 K Cr | β | βΉ284.00 Cr | β | β | β | 31.3% | 6.4% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 19,131 |
| Finance Costs | 3,197 |
| Total Expenses | 13,872 |
| Financing Profit | 2,062 |
| Financing Margin % | 11% |
| Other Income | 640 |
| Depreciation & Amortisation | 117 |
| Profit Before Tax | 2,584 |
| Tax % | - |
| Net Profit / PAT | 1,918 |
| EPS (βΉ) | 20.15 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| SBI CARDS AND PAYMENT SERVICES LIMITEDthis co. | βΉ81.67 K Cr | βΉ18.07 K Cr | 42.60 | 5.54 | 0.00 | 6.4% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |