SBI Cards and Payment Services Limited (NSE:SBICARD)
India flag India · Delayed Price · Currency is INR
590.00
+5.25 (0.90%)
Nov 12, 2026, 3:29 PM IST

NSE:SBICARD Statistics

Total Valuation

NSE:SBICARD has a market cap or net worth of INR 561.47 billion.

Market Cap561.47B
Enterprise Value n/a

Important Dates

The last earnings date was Friday, October 23, 2026.

Earnings Date Oct 23, 2026
Ex-Dividend Date Mar 11, 2026

Share Statistics

NSE:SBICARD has 951.64 million shares outstanding. The number of shares has increased by 0.06% in one year.

Current Share Class 951.64M
Shares Outstanding 951.64M
Shares Change (YoY) +0.06%
Shares Change (QoQ) -0.02%
Owned by Insiders (%) n/a
Owned by Institutions (%) 22.82%
Float 299.01M

Valuation Ratios

The trailing PE ratio is 21.53 and the forward PE ratio is 19.38. NSE:SBICARD's PEG ratio is 0.84.

PE Ratio 21.53
Forward PE 19.38
PS Ratio 4.28
PB Ratio 3.27
P/TBV Ratio 3.28
P/FCF Ratio 15.36
P/OCF Ratio 15.22
PEG Ratio 0.84
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

The company has a current ratio of 19.29, with a Debt / Equity ratio of 2.79.

Current Ratio 19.29
Quick Ratio 19.29
Debt / Equity 2.79
Debt / EBITDA n/a
Debt / FCF 13.09
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 16.32% and return on invested capital (ROIC) is 4.05%.

Return on Equity (ROE) 16.32%
Return on Assets (ROA) 3.70%
Return on Invested Capital (ROIC) 4.05%
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 3.00%
Revenue Per Employee 31.13M
Profits Per Employee 6.18M
Employee Count4,218
Asset Turnover 0.19
Inventory Turnover n/a

Taxes

In the past 12 months, NSE:SBICARD has paid 8.96 billion in taxes.

Income Tax 8.96B
Effective Tax Rate 25.57%

Stock Price Statistics

The stock price has decreased by -31.67% in the last 52 weeks. The beta is 0.24, so NSE:SBICARD's price volatility has been lower than the market average.

Beta (5Y) 0.24
52-Week Price Change -31.67%
50-Day Moving Average 591.39
200-Day Moving Average 648.41
Relative Strength Index (RSI) 58.06
Average Volume (20 Days) 1,179,496

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) n/a

Income Statement

In the last 12 months, NSE:SBICARD had revenue of INR 131.30 billion and earned 26.08 billion in profits. Earnings per share was 27.40.

Revenue131.30B
Gross Profit 69.10B
Operating Income 33.92B
Pretax Income 35.04B
Net Income 26.08B
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) 27.40
Full Income Statement

Balance Sheet

The company has 37.59 billion in cash and 478.50 billion in debt, with a net cash position of -440.91 billion or -463.31 per share.

Cash & Cash Equivalents 37.59B
Total Debt 478.50B
Net Cash -440.91B
Net Cash Per Share -463.31
Equity (Book Value) 171.72B
Book Value Per Share 180.42
Working Capital 576.01B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 36.89 billion and capital expenditures -334.30 million, giving a free cash flow of 36.56 billion.

Operating Cash Flow 36.89B
Capital Expenditures -334.30M
Depreciation & Amortization 750.60M
Net Borrowing -14.12B
Free Cash Flow 36.56B
FCF Per Share 38.41
Full Cash Flow Statement

Margins

Gross margin is 52.62%, with operating and profit margins of 25.83% and 19.86%.

Gross Margin 52.62%
Operating Margin 25.83%
Pretax Margin 26.69%
Profit Margin 19.86%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 27.84%

Dividends & Yields

This stock pays an annual dividend of 2.50, which amounts to a dividend yield of 0.42%.

Dividend Per Share 2.50
Dividend Yield 0.42%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 8.32%
FCF Payout Ratio 6.51%
Buyback Yield -0.06%
Shareholder Yield 0.36%
Earnings Yield 4.64%
FCF Yield 6.51%
Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside
Graham Formula Value
Graham Formula Upside

Analyst Forecast

The average price target for NSE:SBICARD is 656.58, which is 11.29% higher than the current price. The consensus rating is "Hold".

Price Target 656.58
Price Target Difference 11.29%
Analyst Consensus Hold
Analyst Count 24
Revenue Growth Forecast (3Y) 25.19%
EPS Growth Forecast (3Y) 22.13%

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 6