SBICARD
SBI Cards and Payment Services Limited (SBICARD) Stock Analysis
SBI Cards and Payment Services Limited is India's largest pure-play credit card issuer and a subsidiary of State Bank of India. It issues cards, manages receivables, and earns interchange and interest income from retail customers. The company partners with merchants and digital platforms for card acquisition. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹564.20
+0.39% 1W | -38.70% 52W
Market Cap
53.7k CR
P/E Ratio
23.6
52W High
₹965
52W Low
₹547.6
Div. Yield
0.44%
Beta
0.2
50 DMA
₹624.7
200 DMA
₹667.8
Profit Margin
18.2%
Inst. Own.
25.2%
📉 CONSOLIDATING DOWN
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| Interest | 571 | 605 | 695 | 724 | 767 | 788 | 829 | 795 | 813 | 760 | 785 | 714 | 745 |
| 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 |
| Financing Profit | 710 | 722 | 668 | 813 | 725 | 461 | 419 | 559 | 625 | 459 | 557 | 596 | 759 |
| Financing Margin % | 18% | 18% | 14% | 19% | 17% | 10% | 9% | 12% | 13% | 9% | 11% | 12% | 15% |
| Other Income | 134 | 134 | 120 | 127 | 124 | 135 | 148 | 158 | 158 | 176 | 226 | 253 | 165 |
| 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 |
| Tax % | 26% | 26% | 26% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 25% | 26% |
| Net Profit | 593 | 603 | 549 | 662 | 594 | 404 | 383 | 534 | 556 | 445 | 557 | 609 | 664 |
| EPS in Rs | 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 |
| Gross NPA % | 2.41% | 2.43% | 2.64% | 2.76% | 3.06% | 3.27% | 3.24% | 3.08% | 3.07% | 2.85% | 2.86% | 2.41% | 2.04% |
| Net NPA % | 0.89% | 0.89% | 0.96% | 0.99% | 1.11% | 1.19% | 1.18% | 1.46% | 1.42% | 1.29% | 1.28% | 1.04% | 0.83% |
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| Interest | 378 | 436 | 528 | 712 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 | 3,072 | 3,003 |
| 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 |
| Financing Profit | 189 | 339 | 452 | 769 | 1,121 | 1,362 | 1,034 | 1,699 | 2,579 | 2,931 | 2,164 | 2,243 | 2,371 |
| Financing Margin % | 10% | 14% | 14% | 15% | 16% | 15% | 11% | 16% | 19% | 17% | 12% | 11% | 12% |
| Other Income | 82 | 100 | 124 | 175 | 270 | 471 | 413 | 622 | 615 | 498 | 563 | 806 | 819 |
| 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 |
| Tax % | 1% | 35% | 35% | 35% | 35% | 28% | 26% | 26% | 25% | 25% | 26% | 26% | |
| Net Profit | 267 | 284 | 373 | 601 | 865 | 1,245 | 985 | 1,616 | 2,258 | 2,408 | 1,916 | 2,167 | 2,275 |
| EPS in Rs | 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 |
| Dividend Payout % | 15% | 28% | 21% | 0% | 10% | 8% | 0% | 15% | 10% | 10% | 12% | 11% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 13.0% | 16.0% | 24.0% |
| Profit CAGR | -1.0% | 17.0% | 23.0% |
Shareholding Pattern
Promoters68.59%
FIIs10.10%
DIIs17.76%
Public3.56%
Promoters68.58%
FIIs10.14%
DIIs17.84%
Public3.42%
Promoters68.92%
FIIs9.54%
DIIs18.12%
Public3.42%
Promoters68.86%
FIIs8.98%
DIIs18.13%
Public4.02%
Promoters68.86%
FIIs7.12%
DIIs20.18%
Public3.82%
Promoters69.02%
FIIs8.45%
DIIs17.47%
Public5.06%
Promoters68.63%
FIIs8.59%
DIIs16.68%
Public6.09%
Promoters68.60%
FIIs9.88%
DIIs17.22%
Public4.30%
Promoters68.92%
FIIs9.54%
DIIs18.12%
Public3.42%
Promoters68.86%
FIIs7.12%
DIIs20.18%
Public3.82%
SBICARD
Holdings Analysis
Key strengths & risk signals
54
Overall
55
Fundamental
54
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
POOR YEAR! Stock declined 38.7% in the last year.
WEAK POSITION! Current price (564.2) is below both moving averages.
WEAK! Trading at 4.0% of 52W range - near yearly lows.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,635,332 vs down days: 1,181,508. Ratio: 1.38x
APPROACHING OVERSOLD! RSI at 37.7 - watch for reversal.
Fundamental & Technical Analysis
54Overall
55Fundamental
54Technical
Fundamental Breakdown
Growth Quality
13/30
Revenue CAGR: 13.5% (GOOD, 11/15). Profit CAGR: -1.4% (DECLINING, 2/15).
Profit Margin
6/10
GOOD EFFICIENCY! 18.2% profit margin - above average profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.44% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.28 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 4.37% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (624.7) is below 200-day average (667.8) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (564.2) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
0/10
POOR YEAR! Stock declined 38.7% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,635,332 vs down days: 1,181,508. Ratio: 1.38x
RSI
4/5
APPROACHING OVERSOLD! RSI at 37.7 - watch for reversal.
52W Range
1/5
WEAK! Trading at 4.0% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.4% (1 week), -8.7% (1 month), -13.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
SBICARD
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-30 | Concall PDF | |
| Q3FY262026-02-04 | Concall PDF | |
| Q1FY262025-10-31 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
| SUNDARMFIN | ₹4,236.80 | 21 | 46.1% | 18.6% | 15.7% | -6.2% | 62 | BREAKDOWN | +33.9% | +14.8% | +18.1% | +1.6% |
| PIRAMALFIN | ₹1,950.30 | 26.3 | 32.2% | 16.9% | – | +47.5% | 54 | BREAKDOWN | +66.1% | -8.3% | +28.0% | +7.5% |
| LTF | ₹253.80 | 18.6 | 33.1% | 6.0% | 32.0% | -1.6% | 60 | BREAKDOWN | – | +7.8% | +21.8% | +9.4% |
| M&MFIN | ₹311.60 | 13.3 | 30.9% | 13.3% | 11.3% | +5.3% | 72 | BOUNCE FROM SUPPORT | +75.4% | -1.3% | +20.9% | +0.2% |
| HDBFS | ₹512.60 | 14.4 | 30.7% | 14.0% | 9.1% | -26.2% | 78 | BREAKDOWN | +38.3% | +4.6% | +10.9% | +4.0% |
| POONAWALLA | ₹448.90 | 35.1 | 26.7% | 24.0% | 24.0% | -16.9% | 76 | BOUNCE FROM SUPPORT | – | +21.9% | +82.4% | +12.1% |
| HUDCO | ₹161.10 | 7.6 | 90.7% | 10.0% | 33.3% | -28.3% | 73 | BREAKOUT | +35.1% | -57.0% | +37.4% | +58.0% |
Data from TradeAlone · Updated daily
SBICARD News
Sbi Cards and Payment Services Limited (sbicard): Investor Presentation Q2 FY 2026-27 Highlights2026-10-23Sbi Cards and Payment Services Limited (sbicard) Launches Fixed Deposit Backed Secured Advantage SBI Card on SBI YONO2026-09-23Sbi Cards and Payment Services Limited (sbicard): Investor Presentation Q1 FY 2026-27 Highlights2026-07-24SBI Cards and Payment Services Limited (SBICARD) gains 5% intraday, clears resistance at ₹6102026-06-25
