NSE:SBICARD Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	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
Interest and Dividend Income	99,011	93,473	79,271	61,530	48,660
Total Interest Expense	30,716	31,784	25,893	16,439	10,263
Net Interest Income	68,296	61,689	53,378	45,091	38,397
Commissions and Fees	91,662	80,029	81,647	66,042	52,266
Gain (Loss) on Sale of Investments	-	-	-	4.8	4
Other Revenue	8,323	7,220	8,766	9,095	5,847
Revenue Before Loan Losses	168,281	148,938	143,791	120,233	96,513
Provision for Loan Losses	49,624	48,715	32,865	21,554	22,550
Revenue	118,657	100,223	110,926	98,679	73,963
Revenue Growth (YoY)	18.39%	-9.65%	12.41%	33.42%	-5.67%
Salaries & Employee Benefits	6,610	5,896	5,697	5,619	4,727
Cost of Services Provided	89,632	72,702	76,026	67,227	52,231
Other Operating Expenses	-8,080	-5,602	-4,910	-5,985	-5,068
Total Operating Expenses	89,525	74,464	78,781	68,499	53,376
Operating Income	29,132	25,759	32,145	30,180	20,588
Currency Exchange Gain (Loss)	-	23.6	-	90.4	30.1
EBT Excluding Unusual Items	29,132	25,783	32,317	30,303	21,714
Other Unusual Items	-	24.1	0.6	0.9	7.5
Pretax Income	29,132	25,807	32,318	30,306	21,722
Income Tax Expense	7,465	6,643	8,239	7,721	5,560
Net Income	21,667	19,164	24,079	22,585	16,161
Net Income to Common	21,667	19,164	24,079	22,585	16,161
Net Income Growth	13.06%	-20.41%	6.62%	39.75%	64.16%
Shares Outstanding (Basic)	952	951	948	944	942
Shares Outstanding (Diluted)	952	952	949	949	949
Shares Change (YoY)	-0.03%	0.27%	0.02%	-0.03%	0.07%
EPS (Basic)	22.77	20.15	25.39	23.92	17.16
EPS (Diluted)	22.77	20.14	25.37	23.80	17.02
EPS Growth	13.06%	-20.61%	6.60%	39.84%	63.97%
Free Cash Flow	4,594	-21,962	-57,279	-67,639	-44,914
Free Cash Flow Per Share	4.83	-23.07	-60.34	-71.27	-47.31
Dividend Per Share	2.500	2.500	2.500	2.500	2.500
Operating Margin	24.55%	25.70%	28.98%	30.58%	27.83%
Profit Margin	18.26%	19.12%	21.71%	22.89%	21.85%
Free Cash Flow Margin	3.87%	-21.91%	-51.64%	-68.55%	-60.72%
Effective Tax Rate	25.62%	25.74%	25.49%	25.48%	25.60%
Revenue as Reported	207,076	186,372	174,835	142,857	113,015

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.