SBI Cards Financials
NSE: SBICARD | BSE: 543066
₹668.00
₹-6.65
(-0.99%)
As on 08-Sep-2026IST
Market cap
₹63,513 Cr
Revenue (TTM)
₹20,063 Cr
P/E Ratio
27.9
P/B Ratio
3.9
Div. Yield
0.4 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Operating Income
|
20,063.29
|
19,899.63
|
18,072.22
|
16,968.42
|
13,666.64
|
10,677.27
|
|
|
|
|
|
|
Other Income
|
819.01
|
807.99
|
564.93
|
515.08
|
619.03
|
1,180.50
|
|
|
|
|
|
|
Total Income
|
20,882.30
|
20,707.62
|
18,637.15
|
17,483.50
|
14,285.67
|
11,857.77
|
|
|
|
|
|
|
Interest Expense
|
3,003.29
|
4,048.65
|
3,943.53
|
3,312.61
|
2,284.04
|
1,503.34
|
|
|
|
|
|
|
Operating Expenses
|
14,689.37
|
13,609.53
|
11,966.12
|
10,742.34
|
8,807.25
|
8,033.71
|
|
|
|
|
|
|
Exceptional Income/Expenses
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Profit before Tax
|
3,057.92
|
2,913.19
|
2,580.68
|
3,231.80
|
3,030.57
|
2,172.16
|
|
|
|
|
|
|
Taxes
|
782.77
|
746.48
|
664.27
|
823.92
|
772.10
|
556.02
|
|
|
|
|
|
|
Profit after Tax
|
2,275.15
|
2,166.71
|
1,916.41
|
2,407.88
|
2,258.47
|
1,616.14
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
2,275.15
|
2,166.71
|
1,916.41
|
2,407.88
|
2,258.47
|
1,616.14
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
15,725.50
|
15,725.50
|
13,781.72
|
12,084.03
|
9,830.05
|
7,752.70
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Non-Current Liabilities
|
1,973.91
|
6,251.76
|
6,250.32
|
7,737.80
|
7,909.06
|
7,428.12
|
|
|
|
|
|
|
Current Liabilities
|
48,628.38
|
43,904.44
|
45,070.98
|
37,994.79
|
27,559.78
|
19,249.08
|
|
|
|
|
|
|
Total Liabilities
|
66,327.79
|
66,327.79
|
65,545.80
|
58,171.23
|
45,545.56
|
34,648.43
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
552.55
|
59,805.92
|
58,521.81
|
52,169.48
|
41,537.52
|
31,121.13
|
|
|
|
|
|
|
Current Assets
|
64,275.43
|
6,075.78
|
6,581.21
|
5,647.14
|
3,761.37
|
3,308.77
|
|
|
|
|
|
|
Total Assets
|
66,327.79
|
66,327.79
|
65,545.80
|
58,171.23
|
45,545.56
|
34,648.43
|
|
|
|
|
|
|
Contingent Liabilities
|
--
|
75.50
|
74.11
|
81.43
|
87.27
|
68.20
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
493.03
|
-2,140.46
|
-5,653.38
|
-6,670.51
|
-4,391.46
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
245.47
|
-2,490.57
|
-1,254.93
|
-921.44
|
-538.12
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-1,172.36
|
4,686.51
|
8,400.57
|
7,823.58
|
5,044.54
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-433.86
|
55.48
|
1,492.26
|
231.63
|
114.96
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
23.91
|
22.77
|
20.14
|
25.32
|
23.87
|
17.14
|
|
|
|
|
|
|
Cash EPS (₹)
|
23.91
|
24.20
|
21.69
|
27.39
|
25.60
|
18.71
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
172.07
|
165.09
|
144.70
|
126.94
|
103.48
|
81.69
|
|
|
|
|
|
|
Dividend per Share (₹)
|
0.38
|
2.50
|
2.50
|
2.50
|
2.50
|
2.50
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
5.18
|
-22.50
|
-59.45
|
-70.51
|
-46.56
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-133.31
|
-156.65
|
-164.70
|
-95.07
|
-73.76
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
11.75
|
11.79
|
14.09
|
14.83
|
13.38
|
|
|
|
|
|
|
ROE (%)
|
14.91
|
14.70
|
14.83
|
22.03
|
25.82
|
23.15
|
|
|
|
|
|
|
ROA (%)
|
3.45
|
3.31
|
3.12
|
4.67
|
5.67
|
5.29
|
|
|
|
|
|
|
EBIT Margin (%)
|
26.13
|
30.92
|
32.97
|
35.53
|
34.36
|
23.37
|
|
|
|
|
|
|
Net Margin (%)
|
10.90
|
10.46
|
10.28
|
13.77
|
15.81
|
13.63
|
|
|
|
|
|
|
Cash Profit Margin (%)
|
--
|
11.57
|
11.42
|
15.35
|
17.72
|
16.53
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
7.92
|
10.11
|
6.51
|
24.16
|
28.00
|
14.85
|
|
|
|
|
|
|
EBIT Growth (%)
|
1.69
|
3.26
|
-1.16
|
28.40
|
88.20
|
8.16
|
|
|
|
|
|
|
Net Profit Growth (%)
|
11.02
|
13.06
|
-20.41
|
6.62
|
39.74
|
64.16
|
|
|
|
|
|
|
EPS Growth (%)
|
21.14
|
13.03
|
-20.44
|
6.07
|
39.32
|
63.69
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
14.12
|
14.04
|
23.30
|
27.06
|
23.11
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
27.92
|
27.90
|
43.79
|
26.95
|
30.98
|
49.71
|
|
|
|
|
|
|
Price / Book Value
|
3.88
|
3.85
|
6.10
|
5.38
|
7.15
|
10.43
|
|
|
|
|
|
|
Dividend Yield (%)
|
0.37
|
0.39
|
0.28
|
0.37
|
0.34
|
0.29
|
|
|
|
|
|
|
EV/EBITDA
|
17.01
|
14.40
|
18.91
|
15.14
|
18.20
|
26.73
|
|
|
|
|
|
|
Close Price (₹)
|
593.20
|
635.45
|
881.10
|
682.55
|
740.20
|
851.70
|
|
|
|
|
|
|
High Price (₹)
|
1,004.75
|
1,027.25
|
884.50
|
933.00
|
1,028.75
|
1,165.00
|
|
|
|
|
|
|
Low Price (₹)
|
565.45
|
633.10
|
647.95
|
678.80
|
655.70
|
712.35
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
63,512.66
|
60,455.08
|
83,929.20
|
64,899.12
|
69,966.36
|
80,330.44
|
|
|
|
|
|
Solvency Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
--
|
2.80
|
3.27
|
3.30
|
3.18
|
2.98
|
|
|
|
|
|
|
Short term debt to equity ratio
|
--
|
2.39
|
2.79
|
2.65
|
2.35
|
2.00
|
|
|
|
|
|
|
Current Ratio
|
1.32
|
0.14
|
0.15
|
0.15
|
0.14
|
0.17
|
|
|
|
|
|
|
Quick Ratio
|
1.32
|
0.14
|
0.15
|
0.15
|
0.14
|
0.17
|
|
|
|
|
|
|
Interest Coverage
|
2.02
|
1.72
|
1.65
|
1.98
|
2.33
|
2.44
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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