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SBI Cards Key Ratios

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NSE: SBICARD | BSE: 543066

₹532.90

up-down-arrow ₹7.90 (1.50%)

As on 02-Nov-2026IST

Market cap

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₹50,761 Cr

Revenue (TTM)

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₹20,243 Cr

P/E Ratio

info icon

19.5

P/B Ratio

info icon

3

Div. Yield

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0.5 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 1.98 3.62 5.81 9.86 22.23
EBIT 13.51 41.16 11.44 7.09 24.83
Net Profit 17.03 74.83 8.02 9.47 21.76
EPS 17.03 74.81 35.94 4.09 20.04
Book Value -- -- 14.09 16.85 19.93
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
EBIT-Margin info 33.1431.4328.3030.9232.97
Net Margin info 11.5112.7912.3910.4610.28
Return on equity info 17.1920.1115.8614.7014.83
Return on Assets info 3.704.413.703.313.12

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
--
9.39
10.60
9.14
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

15.86

Higher than Peers by 7.32

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
15.86
14.70
14.83
22.03
25.82
Peer Median
8.54
9.57
10.78
8.66
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

3.70

Higher than Peers by 1.08

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
3.70
3.31
3.12
4.67
5.67
Peer Median
2.62
2.66
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

28.30

Lower than Peers by 41.47

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
28.30
30.92
32.97
35.53
34.36
Peer Median
69.78
62.34
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

12.39

Lower than Peers by 11.99

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

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
12.39
10.46
10.28
13.77
15.81
Peer Median
24.38
18.52
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

5.81

Lower than Peers by 13.33

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
5.81
10.11
6.51
24.16
28.00
Peer Median
19.15
21.02
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

11.44

Lower than Peers by 6.88

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
11.44
3.26
-1.16
28.40
88.20
Peer Median
18.32
33.45
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

8.02

Lower than Peers by 12.48

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
8.02
13.06
-20.41
6.62
39.74
Peer Median
20.50
51.16
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

35.94

Higher than Peers by 25.96

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
35.94
13.03
-20.44
6.07
39.32
Peer Median
9.98
38.04
-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
--
1.67
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

1.33

Lower than Peers by 0.19

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
1.33
0.14
0.15
0.15
0.14
Peer Median
1.52
0.99
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

1.33

Lower than Peers by 0.19

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
1.33
0.14
0.15
0.15
0.14
Peer Median
1.52
1.48
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

2.16

Higher than Peers by 0.13

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
2.16
1.72
1.65
1.98
2.33
Peer Median
2.03
1.84
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

19.46

Higher than Peers by 1.56

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
19.46
27.90
43.79
26.95
30.98
Peer Median
17.90
18.02
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

2.96

Higher than Peers by 1.41

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
2.96
3.85
6.10
5.38
7.15
Peer Median
1.55
1.59
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

0.47

Higher than Peers by 0.34

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
0.47
0.39
0.28
0.37
0.34
Peer Median
0.13
0.06
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

13.28

--

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
13.28
14.40
18.91
15.14
18.20
Peer Median
--
14.54
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

50,761

Higher than Peers by 43,352

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
SBI Cards
50,761
60,455
83,929
64,899
69,966
Peer Median
7,409
4,721
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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