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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
622.05 -5 (-0.77%)
  • As on 24 Jul 2026 (EOD)

  • Today’s Low

    616.05

  • Today’s High

    628.90

  • Open

    626.85

  • Perv Close

    626.85

  • 52W Low

    565.45

  • 52W High

    965.00

Key Indicators

  • P/E(TTM)

    27.31

  • Mar.Cap (₹Cr.)

    59,195.18

  • Div & Yield %

    0.40

  • Book Value(₹)

    165.25

  • Debt-Equity Ratio

    -0.77

  • AGM Date

    23-Jul-2026

  • EPS

    22.77

  • P/E Ratio

    27.31

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    59,195.18

  • RONW (%)

    -

  • ROCE (%)

    -

Score Board

  • Equity (₹ in Cr.)

    951.61

  • BV (₹)

    165.30

  • Sales( ₹ in Cr.)

    20,707.62

  • NP (in Cr.)

    2,166.71

  • NP Var(%)

    13.0

  • Div%

    25.0

  • CPS (₹)

    24.20

  • EPS (₹)

    22.80

  • Traded Value (₹ in Lakhs)

    59,166.63

  • 52 Week High

    965.00

  • 52 Week Low

    565.45

  • Price BSE

    622.0

  • Price NSE

    622.00

  • Market Capital( in Cr.)

    59,166.63

  • P/C Ratio

    25.70

  • P/E Ratio

    27.30

  • Price Vs.BV

    22.80

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Financials

All Values are in (₹Cr)
Particulars(INCOME) 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar
INCOME :            
Operating Income 18,073.95 16,985.69 13,670.39 10,678.89 9,300.57 9,280.93
Other Income 563.20 497.81 615.28 622.63 413.01 471.36
Total Income 18,637.15 17,483.50 14,285.67 11,301.52 9,713.58 9,752.29
EXPENDITURE :            
Operating & Administration Expenses 7,211.54 7,555.12 6,683.39 5,185.14 4,057.53 4,186.21
Miscellaneous Expenses 4,930.15 3,334.92 2,198.38 2,295.63 2,674.08 1,963.33
Interest 3,178.40 2,595.22 1,647.63 1,027.32 1,043.40 1,300.93
Less: Pre-operative Expenses Capitalised 0.00 0.00 0.00 0.00 0.00 0.00
Employee Expense 589.56 569.69 561.89 472.71 491.58 468.38
Total Expenditure 15,909.65 14,054.95 11,091.29 8,980.80 8,266.59 7,918.85
Gross Profit 2,727.50 3,428.55 3,194.38 2,320.72 1,446.99 1,833.44
Depreciation 146.82 196.75 163.81 148.56 123.26 103.80
Profit Before Tax 2,580.68 3,231.80 3,030.57 2,172.16 1,323.73 1,729.64
Current Tax 753.25 931.41 799.29 382.88 463.48 595.60
Fringe Benefit tax 0.00 0.00 0.00 0.00 0.00 0.00
Deferred Tax -88.98 -107.49 -27.19 173.14 -124.27 -110.78
Reported Net Profit 1,916.41 2,407.88 2,258.47 1,616.14 984.52 1,244.82
Extraordinary Items 0.00 -0.02 0.13 -0.47 -0.18 -0.16
Adjusted Net Profit 1,916.41 2,407.90 2,258.34 1,616.61 984.70 1,244.98
Adjustment below net profit -0.49 -1.17 -3.41 5.16 5.55 -3.00
Profit/Loss Balance brought forward 7,728.02 6,042.02 4,481.06 3,418.78 2,719.51 1,726.65
Appropriations 238.97 239.13 242.41 235.79 93.90 0.00
P & L Balance carried down 9,021.69 7,728.02 6,042.02 4,481.06 3,418.78 2,719.51
Dividend 237.74 237.74 236.52 235.79 93.90 0.00
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 0.00 10.00
Dividend Per Share(Rs) 2.50 2.50 2.50 2.50 0.00 1.00
Earnings Per Share-Unit Curr 20.14 25.32 23.87 17.14 10.47 13.26
Earnings Per Share(Adj)-Unit Curr 20.14 25.32 23.87 17.14 10.47 13.26
Book Value-Unit Curr 144.86 127.07 103.90 82.20 66.97 56.88
Book Value(Adj)-Unit Curr 144.86 127.07 103.90 82.20 66.97 56.88

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) 1 0.00 1 1
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 85,507,635 8.99 85,507,635 484
Foreign Venture Capital Investors 0 0.00 0 0
Foreign Institution Other 0 0.00 0 0
Insurance Companies 62,431,915 6.56 62,431,915 18
Mutual Funds / UTI 102,741,249 10.80 102,741,249 25
Individuals (Non-Resident / Foreign) 0 0.00 0 0
NSDL Intransit 0 0.00 0 0
Others 7,320,492 0.77 7,320,492 11
Trusts 0 0.00 0 0
Venture Capital Funds 0 0.00 0 0
Sub total 258,001,292 27.11 258,001,292 539
2] Non Institution
Bodies Corporate 2,652,319 0.28 2,652,319 661
Clearing Members 574,993 0.06 574,993 58
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 1,518,123 0.16 1,518,123 9,302
Foreign Non Institution Other 200 0.00 200 1
Hindu Undivided Families 799,943 0.08 799,943 15,178
Indian Public 0 0.00 0 0
Individuals holding nominal share capital in excess of Rs. 1 lakh 2,500,316 0.26 2,500,316 35
Individuals holding nominal share capital up to Rs. 1 lakh 29,921,636 3.14 29,921,585 703,990
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 270,789 0.03 270,789 15
Others 5,729 0.00 5,729 1
Sub Total 38,328,905 4.03 38,328,854 729,321
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 ) 951,614,508 100.00 951,614,457 729,862

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 Pantle

  • Company Secretary

    Payal Mittal Chhabra.

  • 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 621.75 18,637.15 18,072.22 27.31 10.40
TVS Holdings 14,801.60 516.59 516.34 93.92 15.52
Mah. Scooters 12,580.75 313.24 312.76 46.30 1.06
Bajaj Holdings 10,640.85 3,184.31 3,130.62 25.15 12.82
Sundaram Finance 4,413.70 7,734.48 7,682.96 26.74 9.60
Alfred Herbert 2,699.70 10.25 10.25 0.46 6.37
Rane Holdings 1,721.45 171.45 165.69 29.05 13.92
GKW 1,685.00 47.96 32.09 -435.40 2.11
Naperol Invest. 643.25 20.14 19.57 34.58 1.06
Tata Inv.Corpn. 631.95 426.34 420.21 91.32 1.29
Aravali Sec 3.70 0.95 0.00 -30.83 0.00