What is SBI Cards And Payment Services Ltd (SBICARD) share price return in the past 10 years?

Data is not available for this company

What is the share price of SBI Cards And Payment Services Ltd (SBICARD)?

Company share prices are keep on changing according to the market conditions. The current trading price of SBI Cards And Payment Services Ltd (SBICARD) on 13-Aug-2026 16:59:59 at 16:59 is 643.15.

What is the P/E ratio of SBI Cards And Payment Services?

The latest standalone P/E ratio of SBI Cards And Payment Services as of 13-Aug-2026 is 26.90.

What is the P/B ratio of SBI Cards And Payment Services Ltd (SBICARD)?

The latest standalone P/B ratio of SBI Cards And Payment Services Ltd (SBICARD) as of 13-Aug-2026 is 3.74.

What is the 52-week high and low of SBI Cards And Payment Services Ltd (SBICARD)?

The 52-week high of SBI Cards And Payment Services Ltd (SBICARD) is Rs. 964.95 and the 52-week low is Rs. 566.60.

What is the TTM revenue of SBI Cards And Payment Services Ltd (SBICARD)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SBI Cards And Payment Services is Rs. 19212.39 (Cr.).

SBI Cards And Payment Services Ltd (SBICARD)

Name: SBI Cards And Payment Services Ltd (SBICARD)
Brand: SBI Cards And Payment Services

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543066 NSE: SBICARD Finance - NBFC | Mid Cap | SBI Cards & Payment Share Price

₹643.15 -10.75 (-1.64%)

As on 13-Aug'26 16:59

SBI Cards And Payment Services Ltd (SBICARD)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543066 NSE: SBICARD Finance - NBFC | Mid Cap | SBI Cards & Payment Share Price

₹643.15 -10.75 (-1.64%)

As on 13-Aug'26 16:59

Key Metrics

Valuation Multiples

Market Cap

₹61,205 Cr.

Current Price

₹643.2

52-Week Low / High

₹567 / 965

TTM EPS

₹23.9

Book Value per Share

₹172.1

P/E Ratio

26.90

Lower than its 5-year historical median

Industry PE

28.2

Price to Book (P/B)

3.74

Lower than its 5-year historical median

EV/EBITDA

16.62

Lower than its 5-year historical median

Dividend Yield

0.39%

Profitability Efficiency

Return on Equity (ROE)

14.70%

Return on Capital Employed (ROCE)

11.75%

Return on Assets (ROA)

3.31%

Growth Momentum
1-yr vs 3-yr growth

Net Interest Income Growth (1 Year)

Improving versus 3-year growth rate

12.19%

Book Value Growth (1 Year)

Slowing versus 3-year growth rate

14.09%

Asset Quality

Gross NPA(%)

2.41%

Net NPA(%)

1.04%

TTM Sales

₹19,212 Cr.

Reserves

₹15,424 Cr.

Equity

₹951.6 Cr.

Face Value

₹10

All Time Low / High

₹495.25 / 1164.65

SBI Cards And Payment Services stock performance

Key Ratios

Check Before You Invest

Quality

Locked

Valuation

Locked

Price Trend

Locked

Q.1 Is SBI Cards And Payment Services Ltd a good quality company?

SBI Cards And Payment Services Ltd is a good quality company, based on a consistently good multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does SBI Cards And Payment Services Ltd performance compare with that of its Peers?

Q.1 AUM Growth of SBI Cards And Payment Services Ltd vs Industry Peers?

SBI Cards And Payment Services Ltd AUM CAGR is 19.87%, compared to the 5-year industry median CAGR of 14.75%, indicating faster growth and gaining its market share.

Q.1 Promoter shareholding and pledge status of SBI Cards And Payment Services Ltd?

Promoters hold 68.86% of the SBI Cards And Payment Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 Stock return of SBI Cards And Payment Services Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of -8.82% based on the current price.

DeciZen - make an informed investing decision on SBI Cards & Payment

Standalone basis

1. Right Stock

2. Right Price

Price Chart

3. Right Time ⓘ

#Likely Future 5 Year CAGR.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26	TTM
Operating Income (₹ Cr.)	3,346	5,187	6,999	9,276	9,296	10,677	13,667	16,968	18,072	19,900	19,212
YoY Gr. Rt. %	-	55%	34.9%	32.5%	0.2%	14.9%	28%	24.2%	6.5%	10.1%	-
Adj EPS (₹ )	4.8	7.7	10.3	13.3	10.5	17.1	23.9	25.3	20.1	22.8	23.9
YoY Gr. Rt. %	-	61.3%	34.9%	28.4%	-21%	63.7%	39.3%	6.1%	-20.5%	13.1%	-
BVPS (₹ )	18.5	28.8	41.7	56.7	66.5	81.7	103.5	126.9	144.7	165.1	172.1
YoY Gr. Rt. %	-	55.8%	45.1%	35.9%	17.4%	22.8%	26.7%	22.7%	14%	14.1%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	4.1	4.6	4.9	5.5	3.8	5.3	5.7	4.7	3.1	3.3	0

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	21.9%	16.4%	13.3%	10.1%
Adj EPS	19%	16.8%	-1.6%	13.1%
BVPS	27.6%	19.9%	16.9%	14.1%
Share Price	-	-9%	-9.1%	-18.5%

Key Financial Ratios


RATIOS \ YEARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0.8	1	0.8	0.7	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	15.7	18.3	20.1	22.4	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	11.1	11.6	12.4	13.4	10.6	15.1	16.5	14.2	10.6	10.9	11.8
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	28.6	32.4	30.1	28.2	17	23.2	25.8	22	14.8	14.7	13.9

Valuation of SBI Cards & Payment - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Financials

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Income +	3,471	5,370	7,287	9,752	9,714	11,858	14,286	17,484	18,637	20,708
Interest Income	3,346	5,187	6,999	9,276	9,296	10,677	13,667	16,968	18,072	19,900
Other Income ⓘ	575	838	1,196	2,005	2,771	2,907	2,272	3,420	5,025	5,136
Exceptional Items ⓘ	125	183	288	476	417	1,181	619	515	565	808
Expenditure ⓘ +	2,899	4,451	5,952	8,023	8,390	9,686	11,255	14,252	16,056	17,794
Interest Expense ⓘ	1,127	1,361	1,308	1,689	1,400	1,503	2,284	3,313	3,944	4,049
Operating Expenses ⓘ	1,197	2,252	3,447	4,329	4,219	5,275	6,699	7,519	7,088	8,610
Provisions	575	838	1,196	2,005	2,771	2,907	2,272	3,420	5,025	5,136
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	572	919	1,335	1,730	1,324	2,172	3,031	3,232	2,581	2,913
Taxes ⓘ	199	318	470	485	339	556	772	824	664	746
Profit After Tax	373	601	865	1,245	985	1,616	2,258	2,408	1,916	2,167
Adjusted EPS (₹)	4.8	7.7	10.3	13.3	10.5	17.1	23.9	25.3	20.1	22.8
Dividend Payout Ratio (%)	21.10%	0%	9.70%	7.50%	0%	14.60%	10.50%	9.90%	12.40%	11%

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Equity and Liabilities
Equity Capital +	1,449	2,353	3,493	5,341	6,299	7,753	9,830	12,084	13,782	15,726
Share Capital ⓘ	785	785	837	939	941	943	946	951	951	952
Reserves ⓘ	664	1,568	2,655	4,402	5,359	6,810	8,884	11,133	12,830	14,774
Short term borrowings	7,705	9,641	10,317	12,840	12,876	15,495	23,143	31,993	38,463	37,621
Long Term Borrowings	436	1,694	3,243	4,596	4,754	7,428	7,909	7,738	6,250	6,252
Current Liabilities	8,751	11,551	13,152	15,095	15,561	19,249	27,560	37,995	45,071	43,904
Trade Payables	119	518	661	721	881	1,117	1,395	1,508	1,593	1,714
Other Liabilities	-7,824	-10,160	-10,884	-13,561	-13,754	-16,612	-24,538	-33,501	-40,056	-39,335
Total Liabilities ⓘ	10,636	15,598	19,983	25,032	26,618	34,430	45,299	57,817	65,103	65,882
Assets
Non Current Asset +	10,039	14,475	18,199	23,196	24,184	31,121	41,538	52,169	58,522	59,806
Loan Asset	9,983	14,046	17,909	22,812	23,459	30,187	39,361	49,079	53,935	54,984
Other Non Current Asset ⓘ	56	430	291	384	725	934	2,177	3,091	4,587	4,822
Current Asset +	597	1,123	1,784	1,836	2,434	3,309	3,761	5,647	6,581	6,076
Current Investment	0	0	0	0	623	878	568	1,015	2,007	1,817
Other Current Asset	597	1,123	1,784	1,836	1,811	2,430	3,194	4,632	4,574	4,259
Total Assets ⓘ	10,636	15,598	19,983	25,032	26,618	34,430	45,299	57,817	65,103	65,882

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Cash Flow From Operating Activity ⓘ	-2,235	-2,877	-2,327	-4,063	692	-4,391	-6,671	-5,653	-2,140	493
Cash Flow From Investing Activity ⓘ	-1	-31	-76	-77	-997	-538	-921	-1,255	-2,491	245
Cash Flow From Financing Activity ⓘ	2,244	2,935	2,824	3,923	432	5,045	7,824	8,401	4,687	-1,172
Net Cash Flow ⓘ	9	26	422	-218	127	115	232	1,492	55	-434

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Operational & Financial Ratios
EPS (₹)	4.80	7.70	10.30	13.30	10.50	17.10	23.90	25.30	20.10	22.80
DPS (₹)	1	0	1	1	0	2.50	2.50	2.50	2.50	2.50
BVPS (₹)	18.5	28.8	41.7	56.7	66.5	81.7	103.5	126.9	144.7	165.1
Performance Ratios
ROA (%)	4.1	4.6	4.9	5.5	3.8	5.3	5.7	4.7	3.1	3.3
ROE (%)	28.6	32.4	30.1	28.2	17.0	23.2	25.8	22.0	14.8	14.7
ROCE (%)	20.2	19.4	17.1	17.1	11.6	13.4	14.8	14.1	11.8	11.8
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	10.9	14.0	10.4	7.2	5.4	6.1	3.9

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

SBI Cards And Payment Services Ltd FAQs

The current trading price of SBI Cards & Payment on 13-Aug-2026 16:59 is ₹643.1.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Aug-2026 the market cap of SBI Cards & Payment stood at ₹61,204.9 Cr

The latest P/E ratio of SBI Cards & Payment as of 12-Aug-2026 is 26.90.

The latest P/B ratio of SBI Cards & Payment as of 12-Aug-2026 is 3.74.

The 52-week high of SBI Cards & Payment is ₹965.0 and the 52-week low is ₹566.6.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SBI Cards & Payment is ₹19,212 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that SBI Cards And Payment Services Ltd is a good quality company.

The key valuation ratios of SBI Cards And Payment Services Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of SBI Cards And Payment Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About SBI Cards And Payment Services Ltd

SBI Card was launched in October 1998 by the State Bank of India and GE Capital. Incorporated as SBI Cards and Payment Services Private Limited (SBICPSL), SBI Card is headquartered in Gurgaon, Haryana.

In December 2017, State Bank of India and The Carlyle Group acquired GE Capital’s stake in SBI Card, post which SBI held 74% while Carlyle held 26% in the Company. The legal name of SBI Card was changed on August 20, 2019, from SBI Cards and Payment Services Private Limited to SBI Cards and Payment Services Limited, on account of its conversion from a ‘Private Limited’ company to a ‘Public Limited’ company. In March 2020, SBI Card became the first pure play credit card company to list on the stock exchanges in India. The company is the second largest credit card provider in the country, with huge card base. It also has offices in many cities in India.

Business area of the company

The company is engaged in the business of issuing credit cards to consumers in India. It offers Indian consumers access to a wide range of world-class, value-added payment products and services.

Products

The company’s product portfolio includes premium, classic, travel and shopping, exclusive and corporate cards, to cater to both individual and corporate needs.

Awards

2013: Awarded VISA Recognition, ‘Best Issuing Institution’ for excellence in Fraud Risk Management, 2013.
2014: Awarded ‘AISA Outsourcing Excellence Award: Excellence in Customer Service’ as part of CMO Asia Awards 2014.
2015: Awarded ‘Gartner Global Eye on Innovation Award 2015.’
2016: Awarded VISA Recognition ‘Champion Security Award’ South East Asia for Excellence in Fraud Risk Management- 2016.
2017: Awarded ‘Best Data Quality Awards-Consumer Bureau Category- NBFC’, 2017 by Transunion CIBIL.
2018: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2018’ under Customer Loyalty Awards.
2018: Awarded ‘Corporate Excellence Gold Award for Compliance Innovation’ as a part of SKOCH Summit 2018.
2018: Awarded ‘Learning Innovator Award’ as part of GP Strategies Awards, 2018.
2019: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2019’ under Customer Loyalty Awards.
2019: Awarded ‘Gold Winner: Customer Service Department of the Year; as part of Golden Bridge Awards, 2019.
2019: Awarded ‘Best Data Quality- Consumer Bureau amongst NBFCs 2019’ as part of Data Quality Awards 2019.
2020: Awarded in the category of ‘Analytics/Big Data’ as part of the DELL Technologies BFSI Technology Conclave, 2020.

Milestones

1998: SBI Card enters the credit card space
1999: SBI Card reaches the 1 lakh mark
2002: SBI Card enters the ‘1 Million Cards’ club
2002: SBI Card enters into its first partnership with a public sector bank
2003: SBI Card launches Affinity Cards in 8 cities
2005: SBI Card crosses 2 million card base
2006: SBI Card launches co-branded cards with Indian Railways
2006: SBI Card launches co-branded cards with SpiceJet and Tata
2006: SBI Card becomes the second largest credit card issuer
2010: SBI Card launches the SBI Platinum Card
2011: SBI Card launches chip based EMV cards
2012: SBI Card launches SBI Signature Card for HNIs
2013: SBI Card launches Air India co-branded cards
2014: SBI Card launches Fbb SBI ‘STYLEUP’ Card’
2014: SBI Card enters the ‘3 Million Cards’ Club
2015: SBI Card launches the SimplySAVE SBI Card
2015: SBI Card launches SimplyCLICK
2016: SBI Card launches SBI Card ELITE
2016: SBI Card enters the ‘4 Million Cards’ Club
2017: SBI Card launches Central SELECT SBI Cards
2017: SBI Card launches SBI Card PRIME and SBI Card Unnati
2017: SBI Card enters 5 million cards club
2017: SBI Card launches BPCL SBI Card
2018: SBI Card enters 6 million cards club
2018: SBI Card launches Doctor's SBI Card
2018: SBI Card launches virtual assistant ‘ELA’
2018: Apollo SBI Card launched
2018: SBI Card crosses 7 million customer base
2019: Etihad Guest SBI Card launched
2019: Ola Money SBI Card Launched
2019: SBI Card enters 9 million cards club
2019: SBI Card enters into a network partnership with Rupay network
2019: SBI Card launches Club Vistara SBI Card PRIME and Club Vistara SBI Card
2019: SBI Card enters 10 million cards club
2020: SBI Card launches Lifestyle HC SBI Card, Max SBI Card and Spar SBI Card with Landmark Group
2020: SBI Card becomes first pure play credit card issuer to list on BSE and NSE

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SBI Cards And Payment Services Ltd (SBICARD)

SBI Cards And Payment Services Ltd (SBICARD)

SBI Cards And Payment Services stock performance

Check Before You Invest

Quality

Valuation

Price Trend

DeciZen - make an informed investing decision on SBI Cards & Payment

1. Right Stock

2. Right Price

3. Right Time ⓘ

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Valuation of SBI Cards & Payment - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Financials

Equity and Liabilities

Assets

Operational & Financial Ratios

Performance Ratios

Valuation Parameters

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

SBI Cards And Payment Services Ltd FAQs

What is the share price of SBI Cards & Payment?

What is the market cap of SBI Cards & Payment?

What is the P/E ratio of SBI Cards & Payment?

What is the P/B ratio of SBI Cards & Payment?

What is the 52-week high and low of SBI Cards & Payment?

What is the TTM revenue of SBI Cards & Payment?

Is SBI Cards And Payment Services Ltd a good quality company?

Is SBI Cards And Payment Services Ltd undervalued or overvalued?

Is SBI Cards And Payment Services Ltd a good buy now?

About SBI Cards And Payment Services Ltd

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