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SBI Cards and Payment Services Ltd

SBICARD Share Price

896.120.56% (-5.08)
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SBICARD Performance & Key Metrics

SBICARD Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
49.937.920.25%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.822.531.34%

SBICARD Analyst Ratings & Forecast

Analyst Ratings data is currently unavailable for this stock

Price Upside

Earnings Growth

Rev. Growth

SBICARD Company Profile

SBI Cards and Payment Services Private Limited is an India-based company engaged on marketing and distribution of credit cards.

Investor Presentation

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Apr 24, 2025

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SBICARD Similar Stocks (Peers)

Compare with peers Compare with peers 

SBICARD Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
-17.04
-17.04
1Y Return
39.42%
39.42%
Buy Reco %
PE Ratio
250.16
250.16
1Y Return
21.42%
21.42%
Buy Reco %
PE Ratio
25.45
25.45
1Y Return
38.55%
38.55%
Buy Reco %
Compare with Peers

SBICARD Sentiment Analysis

SBICARD Sentiment Analysis

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Crisp summary & key insights to decode earnings calls instantly

SBICARD Stock Summary · January 2025

Company is navigating a complex landscape characterized by declining market share in deposits, challenges in meeting Priority Sector Lending (PSL) obligations, and fluctuations in current account flows. Despite these hurdles, the bank is focusing on enhancing customer engagement and service delivery to drive deposit growth, with recent monthly inflows showing a positive trend. The management emphasizes a strategic approach to maintaining profitability over aggressive expansion, particularly in light of competitive pressures and a tight liquidity environment. Efforts to improve operational efficiencies through digitization and a commitment to stable cost management are underway, alongside a proactive strategy to reduce borrowings and strengthen the balance sheet. Overall, while facing short-term challenges, the bank remains optimistic about future performance and is committed to achieving sustainable growth through strategic investments and improved customer outreach.

SBICARD Stock Growth Drivers
SBICARD Stock Growth Drivers
1
  • Focus on Sustainable Growth

    Company is prioritizing profitable growth over mere expansion, emphasizing a strategy that encourages ground-level teams

end marker
SBICARD Stock Challenges
SBICARD Stock Challenges
3
  • Deposit Growth Shortfalls

    The company has experienced deposit growth that has not met expectations, attributed to seasonal trends

  • Loan Growth Concerns

    There is uncertainty regarding the company's loan deposit ratio (LDR) and its implications for loan

SBICARD Forecast

What are forecasts?

What are forecasts?

Forecasting uses historical data as inputs to make informed predictive estimates determining the direction of future trends. Price, revenue & earnings forecasts represent where the stock level, business prospects and profits are potentially expected to be at the end of the forecast period

SBICARD Forecasts

Price

Revenue

Earnings

SBICARD

SBICARD

Income

Balance Sheet

Cash Flow

SBICARD Income Statement

SBICARD Income Statement

Industry refers to the sub-sector this company belongs to.
Lower than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 19.13%, vs industry avg of 19.65%

Decreasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 96.61% to 94.52%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 22.72%, vs industry avg of 30.11%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue3,471.045,370.197,286.859,752.299,713.5811,301.5214,285.6717,483.5018,637.1518,636.71
Raw Materialssubtract15,909.6515,909.38
Power & Fuel Costsubtract
Employee Costsubtract95.31193.09378.93468.38491.58472.71561.89569.69
Selling & Administrative Expensessubtract
Operating & Other expensessubtract2,799.324,233.275,517.627,450.477,775.018,508.0910,529.4013,485.26
Depreciation/Amortizationsubtract4.7924.4955.22103.80123.26148.56163.81196.75146.82146.79
Interest & Other Itemssubtract
Taxes & Other Itemssubtract198.76318.21470.12484.82339.21556.02772.10823.92664.27664.26
EPS4.757.6610.6614.0210.4817.1623.9125.3920.1520.15
DPS1.000.001.001.000.002.502.502.502.502.50
Payout ratio0.210.000.090.070.000.150.100.100.120.12

SBICARD Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual Report Pending

Investor Presentation

Apr 24PDF
Jan 28PDF
FY 2024FY 2024

Annual report

PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

Oct 27PDF
Jul 28PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

Apr 29PDF
Oct 28PDF
Jul 23PDF
FY 2021FY 2021

Annual report

PDF

Investor Presentation

Apr 26PDF
Oct 22PDF
Jul 20PDF
FY 2020FY 2020

Annual report

PDF
 

SBICARD Stock Peers

What are peers and why compare against them?

What are peers and why compare against them?

A stock's peers are companies which have similar business interests, operations and belong to the same industry sector. Comparing various metrics against peers can give valuable insights on whether the company's stock is over/under-valued and the company's growth outlook vs the industry as a whole

SBICARD Past Performance & Peer Comparison

SBICARD Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsPayment Infrastructure

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
SBI Cards and Payment Services Ltd49.937.920.25%
One MobiKwik Systems Ltd-17.0412.74
Bartronics India Ltd250.1616.42
WSFX Global Pay Ltd25.452.712.02%

SBICARD Stock Price Comparison

Compare SBICARD with any stock or ETF
Compare SBICARD with any stock or ETF
SBICARD
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SBICARD Holdings

SBICARD Shareholdings

What are shareholdings?

What are shareholdings?

Apart from retail investors, a company’s shares are held by promoters, foreign & domestic institutions (large investors) and mutual funds. Promoters are the ship captains and control the company’s direction. Along with institutional and mutual fund holdings, a change in their holdings can indicate performance outlook for the stock

SBICARD Promoter Holdings Trend

SBICARD Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

SBICARD Institutional Holdings Trend

SBICARD Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

SBICARD Shareholding Pattern

SBICARD Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding68.60%9.66%7.56%9.88%4.30%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

SBICARD Shareholding History

SBICARD Shareholding History

Dec '23MarJunSepDec '24Mar9.35%8.59%8.73%9.18%9.51%9.88%

Mutual Funds Invested in SBICARD

Mutual Funds Invested in SBICARD

No mutual funds holding trends are available

Top 5 Mutual Funds holding SBI Cards and Payment Services Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.7856%3.47%-0.24%6/107 (-1)
0.6998%1.54%1.54%19/126 (+26)
0.4273%0.98%-0.11%35/77 (-11)

Compare 3-month MF holding change on Screener

SBICARD Insider Trades & Bulk Stock Deals

SBICARD Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing SBICARD stock

smallcases containing SBICARD stock

Looks like this stock is not in any smallcase yet.

SBICARD Events

SBICARD Events

SBICARD Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

What are dividends?

What are dividends?

Dividends are a portion of earnings that a company distributes to all its shareholders every year. Dividend return is one of the most important things to be considered while investing for long term. It’s the additional return on top of what investors earn through price appreciation

SBICARD Dividend Trend

No dividend trend available

SBICARD Upcoming Dividends

SBICARD Upcoming Dividends

No upcoming dividends are available

SBICARD Past Dividends

SBICARD Past Dividends

Cash Dividend

Ex DateEx DateFeb 25, 2025

Interim
Interim | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Feb 25, 2025

Cash Dividend

Ex DateEx DateMar 29, 2023

Interim
Interim | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Mar 29, 2023

Cash Dividend

Ex DateEx DateMay 15, 2020

Interim
Interim | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

May 15, 2020

SBICARD Stock News & Opinions

SBICARD Stock News & Opinions

Spotlight
SBI Cards tumbles as impairment charge jumps 32% YoY in Q4

The company's interest income and fees & other revenue for the period under review were Rs 2,415 crore (up 13% YoY) and Rs 2,259 crore (up 2% YoY), respectively. Net interest margin improved by 29 basis points YoY to 11.2% in Q4 FY25. Operating Cost rose by 8% YoY to Rs 2,073 crore in the fourth quarter. Interest costs added up to Rs 795 crore (up 10% YoY) in the quarter ended on 31 March 2025. Impairment on financial instruments aggregated to Rs 1,245 crore in Q4 FY25, up 32% YoY. Profit before tax in Q4 FY25 stood at Rs 719 crore, down by 19% from Rs 888 crore in Q4 FY24. The company's New accounts volume at 1,109K accounts in Q4 FY25 as against 1,029K accounts in Q4 FY24, up 8% YoY. Card-in-force grew by 10% YoY at 2.08 crore as of Q4 FY25. For the fourth quarter, spends and receivables were Rs 88,365 crore (up 11% YoY) and Rs 55,840 crore (up 10% YoY), respectively. For the financial year ended 31 March 2025, SBI Cards' profit after tax decreased by 20% to Rs 1,916 crore from Rs 2,408 crore in FY24. Total income increased by 7% YoY to Rs 18,637 crore in FY25. As per RBI Industry report available till Feb 2025, the company's market share for FY25 for card-in-force was 18.9% (up 30 basis points YoY) and for spends was 15.6% (down 220 basis points). Total balance sheet size as of 31 March 2025 was Rs 65,546 crore as against Rs 58,171 crore as of 31 March 2024. Total gross advances (credit card receivables) as of 31 March 2025 were Rs 55,840 crore, as against Rs 50,846 crore as of 31 March 2024. The gross non-performing assets were at 3.08% of gross advances as of 31 March 2025 as against 2.76% as of 31 March 2024. Net non-performing assets were at 1.46% as of 31 March 2025 as against 0.99% as of 31 March 2024. Net worth as of 31 March 2025 has been Rs 13,853 crore as against Rs 12,156 crore as of 31 March 2024. As of 31 March 2025, the company's CRAR was 22.9% compared to 20.5% as of 31 March 2024. The Tier I capital was 17.5% as of 31 March 2025 compared to 16.5% as of 31 March 2024. SBI Cards and Payment Services is a non-banking financial company that offers extensive credit card portfolio to individual cardholders and corporate clients which includes lifestyle, rewards, travel & fuel, and banking partnerships cards along with corporate cards covering all major cardholders' segments in terms of income profile and lifestyle. The brand has a wide base of around 2.08 crore cards in force, as of 31 March 2025. Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
SBI Cards & Payment Services standalone net profit declines 19.35% in the March 2025 quarter

Net profit of SBI Cards & Payment Services declined 19.35% to Rs 534.18 crore in the quarter ended March 2025 as against Rs 662.37 crore during the previous quarter ended March 2024. Sales rose 7.50% to Rs 4673.95 crore in the quarter ended March 2025 as against Rs 4347.72 crore during the previous quarter ended March 2024. For the full year,net profit declined 20.41% to Rs 1916.41 crore in the year ended March 2025 as against Rs 2407.88 crore during the previous year ended March 2024. Sales rose 6.51% to Rs 18072.22 crore in the year ended March 2025 as against Rs 16968.42 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales4673.954347.72 8 18072.2216968.42 7 OPM %28.9835.35 -29.5532.46 - PBDT716.84939.79 -24 2727.503428.55 -20 PBT718.53888.16 -19 2580.683231.80 -20 NP534.18662.37 -19 1916.412407.88 -20 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
SBI Cards & Payment Services to hold board meeting

SBI Cards & Payment Services will hold a meeting of the Board of Directors of the Company on 24 April 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
SBI Cards announces appointment of nominee director

SBI Cards & Payment Services has appointed Shamsher Singh (DIN: 09787674) as Nominee Director (nominated by State Bank of India) on the Board of the Company with immediate effect. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
SBI Card partners with Tata Digital to launch lifestyle co-branded credit card

 SBI Cards & Payment Services (SBI Card) in partnership with Tata Digital announced the launch of Tata Neu SBI Card today. This one-of-its-kind lifestyle co branded credit card has been designed to provide a premium and highly rewarding shopping experience for discerning customers across segments. This co-branded card has been launched in two variants, Tata Neu Infinity SBI Card and Tata Neu Plus SBI Card. Customers earn rewards on all spends, whether online or in-store and across domestic and international merchant outlets in the form of NeuCoins that are redeemable on the Tata Neu app. With this launch, Tata Neu SBI Card customers can now enjoy a range of benefits for an enhanced shopping experience. Cardholders can enjoy up to 10% rewards on spends with Tata Neu Infinity SBI Card and up to 7% rewards on spends with Tata Neu Plus SBI Card in the form of NeuCoins. These are credited monthly to the cardholder's NeuPass account within the Tata Neu app. These NeuCoins can be redeemed across a wide range of products and services, including grocery, travel bookings, jewelry, fashion, electronics and pharmacy services both online and instore, addressing varied lifestyle needs of customers. The co-branded card also offers rewards on everyday payments, providing up to 1.5% back in NeuCoins (with the Rupay variant) on UPI transactions and up to 5% back on bill payments made through Tata Neu. Customers can enroll for the card digitally via SBI Card SPRINT, by visiting the SBI Card website SBI Card.com, and can also opt to enroll offline by visiting SBI Card retail kiosks at select Croma stores.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
SBI Cards slides after MD & CEO Abhijit Chakravorty resigns

Following his retirement from the company, he will also cease to be the MD & CEO of the State Bank of India from that date, the company added. SBI Cards and Payment Services (SBI Card) is a non-banking financial company that offers an extensive credit card portfolio to individual cardholders and corporate clients. This includes lifestyle, rewards, travel & fuel, and banking partnership cards, along with corporate cards that cover all major cardholder segments in terms of income profiles and lifestyles. The company reported a standalone net profit of Rs 383.23 crore in Q3 FY25, down 30.2% compared to Rs 549.08 crore posted in Q3 FY24. Total revenue from operations rose marginally by 0.5% to Rs 4,766.56 crore in Q3 FY25, compared with Rs 4,741.60 crore in Q3 FY24.Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
SBI Cards MD & CEO Abhijit Chakravorty resigns

Following his retirement from the company, he will also cease to be the MD & CEO of the State Bank of India from that date, the company added. SBI Cards and Payment Services (SBI Card) is a non-banking financial company that offers an extensive credit card portfolio to individual cardholders and corporate clients. This includes lifestyle, rewards, travel & fuel, and banking partnership cards, along with corporate cards that cover all major cardholder segments in terms of income profiles and lifestyles. The company reported a standalone net profit of Rs 383.23 crore in Q3 FY25, down 30.2% compared to Rs 549.08 crore posted in Q3 FY24. Total revenue from operations rose marginally by 0.5% to Rs 4,766.56 crore in Q3 FY25, compared with Rs 4,741.60 crore in Q3 FY24. The scrip rose 1.39% to end at Rs 882.20 on Friday, 28 March 2025. The stock market will remain shut today in observance of Eid-ul-Fitr.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
SBI Cards & Payment Services allots 3,000 equity shares under ESOP

SBI Cards & Payment Services has allotted 3,000 equity shares under ESOP on 24 March 2025. Post allotment, the paid-up capital of the Company has increased from Rs. 9,51,35,39,540/- consisting of 95,13,53,954 equity shares of Rs. 10/- each to Rs. 9,51,35,69,540/- consisting of 95, 13,56,954 equity shares of Rs. 10 /- each.Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
SBI Cards & Payment Services Ltd rises for third straight session

SBI Cards & Payment Services Ltd gained for a third straight session today. The stock is quoting at Rs 856.25, up 1.85% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.08% on the day, quoting at 22529.05. The Sensex is at 74614.62, up 0.02%. SBI Cards & Payment Services Ltd has added around 12.8% in last one month. Meanwhile, Nifty Financial Services index of which SBI Cards & Payment Services Ltd is a constituent, has added around 1.78% in last one month and is currently quoting at 23036.05, up 0.76% on the day. The volume in the stock stood at 15.34 lakh shares today, compared to the daily average of 24.44 lakh shares in last one month. The benchmark February futures contract for the stock is quoting at Rs 856.2, up 1.67% on the day. SBI Cards & Payment Services Ltd is up 17.38% in last one year as compared to a 2.63% gain in NIFTY and a 14.11% gain in the Nifty Financial Services index.The PE of the stock is 39.07 based on TTM earnings ending December 24.Powered by Capital Market - Live

3 months agoCapital Market - Live
Corporate
Board of SBI Cards & Payment Services approves change in directorate

The Board of SBI Cards & Payment Services at its meeting held on 17 February 2025 has approved the appointment of Salila Pantle as Managing Director & CEO (nominated by State Bank of India) (DIN: 10941529) of the Company with effect from 01 April 2025 for a period of two years. She replaces Abhijit Chakravorty who superannuated from the services of State Bank of India with effect from 31 March 2025. Powered by Capital Market - Live

3 months agoCapital Market - Live

SBICARD Stock FAQs

SBICARD Stock FAQs

  1. How to Buy SBI Cards and Payment Services Ltd Shares?

    You can easily buy the stocks/shares of SBI Cards and Payment Services Ltd (SBICARD) on Tickertape or through broker platform by opening a Demat & Trading account online

  2. What is the Share Price of SBI Cards and Payment Services Ltd?

    The stock prices are volatile and keep changing through the day depending upon various factors and market conditions. The Share price of SBICARD as on 15th May 2025 is ₹896.12

  3. What is the return on SBI Cards and Payment Services Ltd share?

    The past returns of SBI Cards and Payment Services Ltd (SBICARD) share are
    • Past 1 week: N/A
    • Past 1 month: -78.15
    • Past 3 months: 21.35
    • Past 6 months: 38.81
    • Past 1 year: 38.50
    • Past 3 years: 36.07
    • Past 5 years: 69.94

  4. What is the Dividend yield % on SBI Cards and Payment Services Ltd share?

    The current dividend yield of SBI Cards and Payment Services Ltd (SBICARD) is 0.25

  5. What is the Market Cap of SBI Cards and Payment Services Ltd?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of SBI Cards and Payment Services Ltd (SBICARD) is ₹95688.02Cr as of 15th May 2025

  6. What is the 52 Week High and Low of SBI Cards and Payment Services Ltd?

    The 52-week high and low of SBI Cards and Payment Services Ltd (SBICARD) is ₹1027.25 and ₹659.80.

  7. What is the PE and PB ratio of SBI Cards and Payment Services Ltd?

    The P/E (price-to-earnings) and P/B (price-to-book) ratios of SBI Cards and Payment Services Ltd are 49.93 and 7.92 respectively.

  8. Which sector does SBI Cards and Payment Services Ltd belong to?

    SBI Cards and Payment Services Ltd (SBICARD) belongs to the Financials sector & Payment Infrastructure sub-sector.

  9. What are the peers or stocks similar to SBI Cards and Payment Services Ltd?

    The peers or stocks similar to SBI Cards and Payment Services Ltd are: and many others.

  10. Can't decide whether or not to buy SBI Cards and Payment Services Ltd?

    Worry no more! Login to Tickertape and check out SBI Cards and Payment Services Ltd (SBICARD) scorecard & all the relevant insights today

  11. 5. Test Stocks FAQ What is the 52 Week High and Low of SBI Cards and Payment Services Ltd?

    The 52-week high and low of SBI Cards and Payment Services Ltd (SBICARD) is ₹1027.25 and ₹659.80.

  12. 1. Test Stocks FAQ for SBI Cards and Payment Services Ltd Shares?

    You can easily buy the stocks/shares of SBI Cards and Payment Services Ltd (SBICARD) on Tickertape or through broker platform by opening a Google & Trading account online

  13. 3. Test Stocks FAQ What is the Share Price of SBI Cards and Payment Services Ltd?

    The stock prices are volatile and keep changing through the day depending upon various factors and market conditions. The Share price of SBICARD as on 15th May 2025 is ₹896.12