SBI Cards and Payment Services Limited (BOM:543066)

India · Delayed Price · Currency is INR

660.20

+2.65 (0.40%)

At close: Jul 31, 2026

BOM:543066 Financials Overview

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	125,015	118,657	100,223	110,926	98,679	73,963
Revenue Growth	22.04%	18.39%	-9.65%	12.41%	33.42%	-5.67%
Operating Income	30,580	29,132	25,759	32,145	30,180	20,588
Net Income	22,752	21,667	19,164	24,079	22,585	16,161
Earnings Per Share	23.91	22.77	20.14	25.37	23.80	17.02
EPS Growth	21.18%	13.06%	-20.61%	6.60%	39.84%	63.97%

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	23,198	23,198	25,375	24,821	9,898	7,582
Total Debt	440,637	440,637	451,707	403,147	315,322	232,849
Net Cash (Debt)	-417,440	-417,440	-426,332	-378,327	-305,424	-225,268
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-438.70	-438.69	-447.92	-398.57	-321.84	-237.30

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-	4,930	-21,405	-56,534	-66,705	-43,915
Capital Expenditures	-	-336.4	-557.6	-744.9	-934	-999.2
Free Cash Flow	-	4,594	-21,962	-57,279	-67,639	-44,914
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Margin	24.46%	24.55%	25.70%	28.98%	30.58%	27.83%
Pretax Margin	24.46%	24.55%	25.75%	29.13%	30.71%	29.37%
Profit Margin	18.20%	18.26%	19.12%	21.71%	22.89%	21.85%
FCF Margin	-	3.87%	-21.91%	-51.64%	-68.55%	-60.72%

Dividends

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 2, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Dividend Per Share	2.500	2.500	2.500	2.500	2.500	2.500
Dividend Per Share Growth	0%	0%	0%	0%	0%	-
Dividend Yield	0.40%	0.39%	0.28%	0.37%	0.34%	0.30%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 2, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	27.61	27.91	43.74	26.96	31.01	49.71
P/FCF Ratio	136.75	131.63	-	-	-	-
PS Ratio	5.03	5.10	8.36	5.85	7.10	10.86