āagmanLoginNot investment advice. Data and computed figures, for information only.
SBI Cards & Payment Services Ltd
₹564.20
−₹9.00 (−1.57%)
NSE · 16 Oct 2026, close
Market Cap
₹53,482 Cr
CMP
₹564.20
52-wk High / Low
₹965 / 548
P/E
23.5
P/B
3.4
Book Value
₹165.0
Div Yield
0.44%
ROCE
10.1%
ROE
15.0%
Face Value
₹10
D/E
2.80
Price−38.7% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
5
/ 9
5 of 9 F-score tests passed
Graham Number
₹291
√(22.5 × EPS × book value per share)
Cash flow to profit
0.23
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
13.4%
ROE × earnings retention ratio
ROE stability
3.8
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −0.06FII −0.56DII +0.01
Latest quarter vs the previous one
Cash-accrual divergence
2.5%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 0.5pp over the last year
Watch-outs
−Borrowings are up 643.3% since FY2016 (5928 to 44064)
−Price trades below its 200-day moving average (0.8x)
−Price is 41.5% below its 52-week high
−Promoter holding fell by 0.2pp over the last year
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,912 | 4,087 | 4,622 | 4,348 | 4,359 | 4,421 | 4,619 | 4,674 | 4,877 | 4,961 | 5,127 | 4,934 | 5,041 |
| Expenses | 2,631 | 2,760 | 3,258 | 2,811 | 2,867 | 3,173 | 3,372 | 3,320 | 3,439 | 3,742 | 3,785 | 3,625 | 3,537 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 134 | 134 | 120 | 127 | 124 | 135 | 148 | 158 | 158 | 176 | 226 | 253 | 165 |
| Interest | 571 | 605 | 695 | 724 | 767 | 788 | 829 | 795 | 813 | 760 | 785 | 714 | 745 |
| Depreciation | 48 | 47 | 51 | 52 | 49 | 50 | 49 | −2 | 35 | 35 | 34 | 32 | 31 |
| Profit before tax | 797 | 809 | 738 | 888 | 799 | 545 | 518 | 719 | 748 | 600 | 749 | 816 | 893 |
| Net Profit | 593 | 603 | 549 | 662 | 594 | 404 | 383 | 534 | 556 | 445 | 557 | 609 | 664 |
| EPS (₹) | 6.27 | 6.37 | 5.78 | 6.97 | 6.25 | 4.25 | 4.03 | 5.61 | 5.84 | 4.67 | 5.85 | 6.40 | 6.98 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,822 | 2,392 | 3,347 | 5,195 | 7,017 | 9,281 | 9,301 | 10,679 | 13,670 | 16,986 | 18,074 | 19,901 | 20,063 |
| Expenses | 1,255 | 1,617 | 2,366 | 3,715 | 4,887 | 6,618 | 7,223 | 7,953 | 9,444 | 11,460 | 12,731 | 14,587 | 14,689 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 82 | 100 | 124 | 175 | 270 | 471 | 413 | 622 | 615 | 498 | 563 | 806 | 819 |
| Interest | 378 | 436 | 528 | 712 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 | 3,072 | 3,003 |
| Depreciation | 1 | 1 | 5 | 24 | 55 | 104 | 123 | 149 | 164 | 197 | 147 | 136 | 132 |
| Profit before tax | 271 | 438 | 572 | 919 | 1,335 | 1,730 | 1,324 | 2,172 | 3,031 | 3,232 | 2,581 | 2,913 | 3,058 |
| Net Profit | 267 | 284 | 373 | 601 | 865 | 1,245 | 985 | 1,616 | 2,258 | 2,408 | 1,916 | 2,167 | 2,275 |
| EPS (₹) | 3.40 | 3.62 | 4.75 | 7.66 | 10.33 | 13.26 | 10.47 | 17.14 | 23.87 | 25.32 | 20.14 | 22.77 | 23.90 |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 785 | 785 | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 | 951 | 952 | — |
| Reserves | 181 | 370 | 664 | 1,568 | 2,751 | 4,402 | 5,362 | 6,810 | 8,884 | 11,133 | 12,830 | 14,774 | — |
| Other Liabilities | 593 | 797 | 1,048 | 1,920 | 3,009 | 2,393 | 2,816 | 3,913 | 4,606 | 6,196 | 6,817 | 6,539 | — |
| Total Liabilities | 6,257 | 7,880 | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 66,328 | — |
| Fixed Assets | 2 | 2 | 24 | 242 | 196 | 311 | 308 | 439 | 551 | 542 | 320 | 219 | — |
| CWIP | 0 | 0 | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 | 10 | 12 | — |
| Investments | 0 | 0 | 0 | 0 | 1 | 1 | 958 | 1,297 | 2,140 | 3,519 | 6,235 | 6,374 | — |
| Other Assets | 6,256 | 7,878 | 10,741 | 15,409 | 19,928 | 24,971 | 25,737 | 32,898 | 42,832 | 54,088 | 58,980 | 59,723 | — |
| Total Assets | 6,257 | 7,880 | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 | 66,328 | — |
| Borrowing | 4,699 | 5,928 | 8,268 | 11,413 | 13,549 | 17,573 | 17,895 | 22,982 | 31,110 | 39,891 | 44,947 | 44,064 | — |
Cash Flows
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | −879 | −1,158 | −2,235 | −2,891 | −2,327 | −4,063 | 692 | −4,391 | −6,671 | −5,653 | −2,140 | 493 |
| Cash from Investing Activity | 1 | 1 | −1 | 128 | −76 | −77 | −997 | −538 | −921 | −1,255 | −2,491 | 245 |
| Cash from Financing Activity | 1,008 | 1,141 | 2,244 | 2,953 | 2,824 | 3,923 | 432 | 5,045 | 7,824 | 8,401 | 4,687 | −1,172 |
| Net Cash Flow | 130 | −17 | 9 | 190 | 422 | −218 | 127 | 115 | 232 | 1,492 | 55 | −434 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | — | — | — | — | — | — | 10.1 |
| ROE % | 31.0 | 27.0 | 29.0 | 32.0 | 29.0 | 28.0 | 17.0 | 23.0 | 26.0 | 22.0 | 15.0 | 15.0 |
| EPS (₹) | 3.40 | 3.62 | 4.75 | 7.66 | 10.33 | 13.26 | 10.47 | 17.14 | 23.87 | 25.32 | 20.14 | 22.77 |
| Book Value (₹) | — | — | — | — | — | — | — | — | — | — | — | 165.0 |
| Face Value (₹) | — | — | — | — | — | — | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | — | — | — | — | — | — | 23.5 |
| Div Yield % | — | — | — | — | — | — | — | — | — | — | — | 0.44 |
| NPM % | 14.0 | 11.4 | 10.7 | 11.2 | 11.9 | 12.8 | 10.1 | 14.3 | 15.8 | 13.8 | 10.3 | 10.5 |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — |
| D/E | 4.86 | 5.13 | 5.71 | 4.85 | 3.78 | 3.29 | 2.84 | 2.96 | 3.16 | 3.30 | 3.26 | 2.80 |
| P/B | — | — | — | — | — | — | — | — | — | — | — | 3.4 |
Growth
Compounded sales growth
10 years+24.0%
5 years+16.0%
3 years+13.0%
TTM+8.0%
Compounded profit growth
10 years+23.0%
5 years+17.0%
3 years−1.0%
TTM+21.0%
Stock price CAGR
5 years−13.0%
3 years−11.0%
Last year−39.0%
Return on equity
10 years20.0%
5 years19.0%
3 years17.0%
Last year15.0%
Documents
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeCorporate actions
11 Mar 2026DIVIDENDInterim Dividend - Rs 2.50 Per Share—
25 Feb 2025DIVIDENDInterim Dividend - Rs 2.50 Per Share—
28 Mar 2024DIVIDENDInterim Dividend - Rs 2.50 Per Share—
29 Mar 2023DIVIDENDInterim Dividend - Rs 2.50 Per Share—
30 Mar 2022DIVIDENDInterim Dividend - Rs 2.50 Per Share—
15 May 2020DIVIDEND Interim Dividend - Re 1 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman