SBI Cards & PAY SER Ltd

NSE: SBICARD · Non Banking Financial Company (NBFC) · sector

₹538.30NSE close 2026-10-26

Key numbers

Market cap₹51,225 cr

Price₹538.30

52w high / low₹965 / ₹538

P/E22.5xSector median 13.8x

P/B3.3xSector median 1.1x

Book value₹165.2

Dividend yield0.42%Sector median 0.61%

ROE15.4%Sector median 3.6%

ROA3.43%Sector median 1.94%

Gross NPA–

Net NPA–

CET1–

Sales growth 3y+13.3%Sector median +24.6%

Profit growth 3y-1.4%Sector median +28.6%

PEG–

Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 250 companies in Non Banking Financial Company (NBFC) (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

Total income was higher than a year earlier in 4 of the last 4 quarters.
Dividend paid in 5 of the last 5 financial years.
Price ₹538.30 on 2026-10-26: -44.2% from the 52-week high, 0.0% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹1,002.25 · low ₹538.30

Quarterly results

₹ cr	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total income	4,421	4,619	4,674	4,877	4,961	5,127	4,934	5,041
Net interest income	4,421	4,619	4,674	4,877	4,961	5,127	4,934	5,041
Other income	135	148	158	158	176	226	253	165
Net profit	404	383	534	556	445	557	609	664
EPS (₹)	4.25	4.03	5.62	5.84	4.67	5.85	6.40	6.98
Revenue YoY					+12.2%	+11.0%	+5.6%	+3.4%
Profit YoY					+10.0%	+45.2%	+14.1%	+19.5%

Standalone figures where filed. Latest quarter Jun 2026.

Profit & loss (yearly)

₹ cr	FY22	FY23	FY24	FY25	FY26	TTM
Revenue	10,677	13,667	16,968	18,072	19,900	20,063
Net profit	1,616	2,258	2,408	1,916	2,167	2,275
EPS (₹)	17.16	23.92	25.39	20.15	22.77	23.90
Revenue growth		+28.0%	+24.2%	+6.5%	+10.1%	+7.9%
Profit growth		+39.7%	+6.6%	-20.4%	+13.1%	+21.2%
Dividend / share (₹)	2.50	2.50	2.50	2.50	2.50

Compounded growth	3 years	5 years	Last 12 months
Sales	+13.3%	+16.5%	+7.9%
Net profit	-1.4%	+17.1%	+21.2%
EPS	-1.6%	+16.8%	–
Share price	–	-11.9% (2y)	-40.4%

Balance sheet

₹ cr	FY22	FY23	FY24	FY25	FY26
Shareholders' equity	–	9,830	12,084	13,782	15,726
Borrowings	–	23,143	31,993	38,463	37,621
Cash & equivalents	–	1,354	2,730	2,738	2,320
Total assets	–	45,546	58,171	65,546	66,328
Fixed assets	–	448	438	227	158
Capital work in progress	–	6	0	0	0
Inventory	–	0	0	0	0

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-4,391	-6,671	-5,452	-2,140	493
Cash from investing	-538	-921	-1,457	-2,491	245
Cash from financing	5,045	7,824	8,401	4,687	-1,172
Capex	100	93	74	56	34
Free cash flow	-4,491	-6,764	-5,526	-2,196	459

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY23	FY24	FY25	FY26
ROE %	–	23.0%	19.9%	13.9%	13.8%

Shareholding

Holder	% (2026-09-30)
Promoters	68.86%
FIIs	7.12%
DIIs	20.20%
of which Mutual funds	13.00%
of which Insurance	6.69%
Government	0.00%
Public (non-institutions)	3.83%

Quarter	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	68.60%	68.60%	68.59%	68.59%	68.58%	68.92%	68.86%	68.86%

Promoter group	%
State Bank of India	68.58%
SBI Life Insurance Company Limited	0.28%
SBI General Insurance Company Limited	0.00%
Arunachal Pradesh Rural Bank	0.00%
C-Edge Technologies Limited	0.00%
Chhattisgarh Gramin Bank	0.00%
Jharkhand Gramin Bank	0.00%
Meghalaya Rural Bank	0.00%
Mizoram Rural Bank	0.00%
Nagaland Rural Bank	0.00%
Oman India Joint Investment Fund Management Company Private Limited	0.00%
Oman India Joint Investment Fund - Trustee Company Private Limited	0.00%
Rajasthan Gramin Bank	0.00%
SBICAP Securities Limited	0.00%
SBICAP Trustee Company Limited	0.00%

Public holders above 1%	%
Icici Prudential Large & Mid Cap Fund	7.71%
Life Insurance Corporation Of India - P & Gs Fund	6.11%
Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund	2.16%
Government Pension Fund Global	1.80%
SBI Large & Mid Cap Fund	1.00%

7,17,215 shareholders. Pledged: – of promoter shares.

Peers in Non Banking Financial Company (NBFC)

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
BAJFINANCE	₹5,71,790 cr	28.1x	5.2x	19.9%	4.14%	–	+25.1%	0.60%
SHRIRAMFIN	₹1,55,223 cr	14.6x	2.4x	18.5%	3.51%	–	+17.4%	0.94%
TATACAP	₹1,27,155 cr	34.6x	3.3x	9.3%	1.76%	–	–	0.14%
CHOLAFIN	₹1,23,499 cr	21.4x	4.1x	21.2%	2.34%	–	+34.4%	0.14%
MUTHOOTFIN	₹96,184 cr	9.1x	2.5x	32.1%	5.91%	–	+37.9%	1.08%
LTF	₹60,381 cr	17.1x	2.1x	12.8%	2.25%	–	+273.2%	1.14%
SBICARD	₹51,225 cr	22.5x	3.3x	15.4%	3.43%	–	+13.3%	0.42%
PIRAMALFIN	₹44,923 cr	21.9x	1.4x	6.3%	1.66%	–	–	0.55%
SUNDARMFIN	₹43,352 cr	22.5x	3.4x	16.2%	2.82%	–	+23.8%	0.95%
HDBFS	₹41,560 cr	14.0x	1.9x	14.3%	2.26%	–	–	0.59%

All 250 companies in Non Banking Financial Company (NBFC) →

Dividends & corporate actions

Ex-date	Action	Detail
2026-03-11	Dividend	Interim Dividend - Rs 2.50 Per Share
2025-02-25	Dividend	Interim Dividend - Rs 2.50 Per Share
2024-03-28	Dividend	Interim Dividend - Rs 2.50 Per Share
2023-03-29	Dividend	Interim Dividend - Rs 2.50 Per Share
2022-03-30	Dividend	Interim Dividend - Rs 2.50 Per Share
2020-05-15	Dividend	Interim Dividend - Re 1 Per Share

Documents

Links go to the original files on the exchange website.

About the company

Credit Card: We are a public listed pure-play credit card issuer in the country


Sector	Financial Services
Industry	Non Banking Financial Company (NBFC)
Sub-industry	Non Banking Financial Company (NBFC)
Symbol	SBICARD
BSE code	543066
ISIN	INE018E01016
Face value	₹10.0
Incorporated	1998-05-15
Website	https://www.sbicard.com
Plants (India / abroad)	0 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.