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SBI Cards Key Ratios

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NSE: SBICARD | BSE: 543066

₹658.25

up-down-arrow ₹-2.75 (-0.42%)

As on 04-Sep-2026 15:57IST

Market cap

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₹62,609 Cr

Revenue (TTM)

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₹20,063 Cr

P/E Ratio

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27.5

P/B Ratio

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3.8

Div. Yield

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0.4 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 2.15 3.36 7.92 11.49 22.55
EBIT 15.34 5.00 1.69 6.81 24.69
Net Profit 9.05 19.51 11.02 10.72 22.20
EPS 9.05 19.50 21.14 0.57 20.21
Book Value -- -- 14.09 16.85 19.93
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
EBIT-Margin info 33.1431.4326.1330.9232.97
Net Margin info 11.5112.7910.9010.4610.28
Return on equity info 17.1920.1114.9114.7014.83
Return on Assets info 3.704.413.453.313.12

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
--
11.75
11.79
14.09
14.83
Peer Median
--
9.35
10.60
9.14
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

14.91

Higher than Peers by 6.25

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
14.91
14.70
14.83
22.03
25.82
Peer Median
8.66
9.39
10.78
8.66
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

3.45

Higher than Peers by 0.84

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
3.45
3.31
3.12
4.67
5.67
Peer Median
2.61
2.49
3.50
2.67
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

26.13

Lower than Peers by 44.08

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
26.13
30.92
32.97
35.53
34.36
Peer Median
70.21
61.59
61.18
97.28
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

10.90

Lower than Peers by 13.09

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
10.90
10.46
10.28
13.77
15.81
Peer Median
23.98
15.39
26.68
51.92
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
--
11.57
11.42
15.35
17.72
Peer Median
--
--
--
0.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

7.92

Lower than Peers by 11.02

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
7.92
10.11
6.51
24.16
28.00
Peer Median
18.94
14.20
17.06
34.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

1.69

Lower than Peers by 15.99

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
1.69
3.26
-1.16
28.40
88.20
Peer Median
17.68
23.03
15.67
38.04
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

11.02

Lower than Peers by 7.63

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
11.02
13.06
-20.41
6.62
39.74
Peer Median
18.65
42.45
11.48
49.18
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

21.14

Higher than Peers by 13.48

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
21.14
13.03
-20.44
6.07
39.32
Peer Median
7.65
27.14
-3.51
50.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
--
14.12
14.04
23.30
27.06
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
--
2.80
3.27
3.30
3.18
Peer Median
--
2.01
2.00
1.60
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
--
2.39
2.79
2.65
2.35
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.32

Lower than Peers by 0.15

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
1.32
0.14
0.15
0.15
0.14
Peer Median
1.47
0.71
4.14
2.82
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.32

Lower than Peers by 0.14

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
1.32
0.14
0.15
0.15
0.14
Peer Median
1.46
1.47
1.54
1.36
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

2.02

Higher than Peers by 0.07

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
2.02
1.72
1.65
1.98
2.33
Peer Median
1.94
1.72
1.98
2.17
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

27.52

Higher than Peers by 4.90

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
27.52
27.90
43.79
26.95
30.98
Peer Median
22.62
23.25
20.09
19.35
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

3.82

Higher than Peers by 1.84

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
3.82
3.85
6.10
5.38
7.15
Peer Median
1.99
1.98
1.53
1.83
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

0.38

Higher than Peers by 0.26

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
0.38
0.39
0.28
0.37
0.34
Peer Median
0.12
0.07
0.05
0.16
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

16.85

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
16.85
14.40
18.91
15.14
18.20
Peer Median
--
15.85
13.42
23.06
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

62,609

Higher than Peers by 53,620

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
62,609
60,455
83,929
64,899
69,966
Peer Median
8,989
6,628
3,133
4,482
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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