SBI Cards and Payment Services Limited (NSE:SBICARD)
India · Delayed Price · Currency is INR 660.00
+2.20 (0.33%)
Jul 31, 2026, 3:29 PM IST
NSE:SBICARD Income Statement
Financials in millions INR. Fiscal year is April - March.
Millions INR. Fiscal year is Apr - Mar.
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 |
Interest and Dividend Income | 98,286 | 99,011 | 93,473 | 79,271 | 61,530 | 48,660 |
Total Interest Expense | 30,033 | 30,716 | 31,784 | 25,893 | 16,439 | 10,263 |
Net Interest Income | 68,253 | 68,296 | 61,689 | 53,378 | 45,091 | 38,397 |
Commissions and Fees | 93,806 | 91,662 | 80,029 | 81,647 | 66,042 | 52,266 |
Gain (Loss) on Sale of Investments | - | - | - | - | 4.8 | 4 |
Other Revenue | 8,540 | 8,323 | 7,220 | 8,766 | 9,095 | 5,847 |
Revenue Before Loan Losses | 170,600 | 168,281 | 148,938 | 143,791 | 120,233 | 96,513 |
Provision for Loan Losses | 45,585 | 49,624 | 48,715 | 32,865 | 21,554 | 22,550 |
| 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% |
Salaries & Employee Benefits | 7,064 | 6,610 | 5,896 | 5,697 | 5,619 | 4,727 |
Cost of Services Provided | 94,197 | 89,632 | 72,702 | 76,026 | 67,227 | 52,231 |
Other Operating Expenses | -8,143 | -8,080 | -5,602 | -4,910 | -5,985 | -5,068 |
Total Operating Expenses | 94,435 | 89,525 | 74,464 | 78,781 | 68,499 | 53,376 |
Operating Income | 30,580 | 29,132 | 25,759 | 32,145 | 30,180 | 20,588 |
Currency Exchange Gain (Loss) | - | - | 23.6 | - | 90.4 | 30.1 |
EBT Excluding Unusual Items | 30,580 | 29,132 | 25,783 | 32,317 | 30,303 | 21,714 |
Other Unusual Items | - | - | 24.1 | 0.6 | 0.9 | 7.5 |
Pretax Income | 30,580 | 29,132 | 25,807 | 32,318 | 30,306 | 21,722 |
Income Tax Expense | 7,828 | 7,465 | 6,643 | 8,239 | 7,721 | 5,560 |
Net Income | 22,752 | 21,667 | 19,164 | 24,079 | 22,585 | 16,161 |
Net Income to Common | 22,752 | 21,667 | 19,164 | 24,079 | 22,585 | 16,161 |
Net Income Growth | 21.15% | 13.06% | -20.41% | 6.62% | 39.75% | 64.16% |
Shares Outstanding (Basic) | 952 | 952 | 951 | 948 | 944 | 942 |
Shares Outstanding (Diluted) | 952 | 952 | 952 | 949 | 949 | 949 |
Shares Change | -0.02% | -0.03% | 0.27% | 0.02% | -0.03% | 0.07% |
EPS (Basic) | 23.91 | 22.77 | 20.15 | 25.39 | 23.92 | 17.16 |
EPS (Diluted) | 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% |
Additional Metrics
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 |
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 |
Dividend Growth | - | 0% | 0% | 0% | 0% | - |
Operating Margin | 24.46% | 24.55% | 25.70% | 28.98% | 30.58% | 27.83% |
Profit Margin | 18.20% | 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 | 25.60% | 25.62% | 25.74% | 25.49% | 25.48% | 25.60% |
Revenue as Reported | 208,776 | 207,076 | 186,372 | 174,835 | 142,857 | 113,015 |