TrueCAGR

SBI CARDS AND PAYMENT SERVICES LIMITED

NSE: SBICARDBSE: 543066ISIN INE018E01016Face value ₹10standalone
₹568
−1.63% · 2026-10-01 · 52-wk ₹568–₹938
Financials to FY2026 · 7 years of history · prices to 2026-10-01consolidatedstandalone
Section 02 · Synthesis

What stands out?

The strongest observations the engine found, ranked. Every line is generated from the filed numbers by a fixed rule — no opinion, no estimate.

StrengthConcernWatchContext

Nothing crossed the threshold for this company yet — see the data-coverage note below.

Section 03 · The company

Who is this company?

Classified by the exchange under Financial Services › Financial Services › Finance › Non Banking Financial Company (NBFC).

Market cap
₹54,041 cr
FY2026 total income
₹20,708 cr
FY2026 net profit
—
Net worth
—
Advances
—
EPS (basic)
—
Listed
NSE · BSE
Reporting
Banking (Sch. III)Apr–Mar

Peer set used on this page: 3 non banking financial company (nbfc).

Section 04 · Business performance

Is the business growing?

Total income & net profit — FY20 to FY26₹ crore · consolidated
₹'000 cr08152330000TOTAL INCOMENET PROFIT10kFY2010kFY2111kFY2214kFY2317kFY2419kFY2521kFY26
Total incomeNet profit

Total income and profit over the loaded history are shown above.

Advances growth per year
—over 6 years
Advances growth
—vs last year
Deposits growth
—vs last year
Net profit growth
—vs last year
Section 05 · Recent activity

What changed recently?

Quarterly results, the trailing-twelve-months snapshot, and verified corporate actions — kept separate from each other and from the annual story above. Every figure traces to a filed number; nothing here is external news or commentary.

Strength

Q1 FY27 net profit was ₹664 cr, up 19.5% from ₹556 cr a year earlier.

Rule QTR_PROFIT_GROWTH_YOY

Strength

Q1 FY27 net profit of ₹664 cr is the highest of the 15 quarters on record for this company.

Rule QTR_PROFIT_AT_RECORD

Strength

Q1 FY27 net profit grew 19.5% while total income grew 3.4% vs the same quarter last year — a gap of 16.1 percentage points.

Rule QTR_PROFIT_VS_REVENUE_GROWTH

A. Quarterly results

Latest quarters — Q2 '25 to Q1 '27₹ crore · standalone
₹'000 cr02356001TOTAL INCOMENET PROFIT5k404Q2 '255k383Q3 '255k534Q4 '255k556Q1 '265k445Q2 '265k557Q3 '265k609Q4 '265k664Q1 '27
Total incomeNet profit
QuarterTotal incomeYoYNet profitYoY
Q2 FY254,556—404—
Q3 FY254,767+0.5%383−30.2%
Q4 FY254,832+8.0%534−19.4%
Q1 FY265,035+12.3%556−6.5%
Q2 FY265,136+12.7%445+10.0%
Q3 FY265,353+12.3%557+45.2%
Q4 FY265,187+7.4%609+14.1%
Q1 FY275,205+3.4%664+19.5%

B. TTM snapshot

Trailing twelve months to 30 Jun 2026 · sum of the last 4 contiguous quarters

Total income
₹20,882 crTTM
PBT
₹3,058 crTTM
Net profit
₹2,275 crTTM

C. Corporate actions

11 Mar 2026DividendInterim Dividend - Rs. - 2.5000 — ₹2.50/share
25 Feb 2025DividendInterim Dividend - Rs. - 2.5000 — ₹2.50/share
28 Mar 2024DividendInterim Dividend - Rs. - 2.5000 — ₹2.50/share
29 Mar 2023DividendInterim Dividend - Rs. - 2.5000 — ₹2.50/share
30 Mar 2022DividendInterim Dividend - Rs. - 2.5000 — ₹2.50/share
15 May 2020DividendInterim Dividend - Rs. - 1.0000 — ₹1.00/share
Section 06 · Business performance

Is it becoming more profitable?

The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.

NIM FY2026
—
Cost-to-income
—
ROE FY2026
—
ROA FY2026
—
Section 07 · Financial health

Is financial health improving?

The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.

Gross NPA FY2026
—
Net NPA
—
Credit cost
—of advances
Credit / deposit
—
Section 08 · Relative position

How does it compare with peers?

Ranked against 3 non banking financial company (nbfc) (FY2026, consolidated). No peer-relative rule fired for this company.

P/E ratio

SBICARD · 3rd of 3 · set median 20.8×

M&MFIN13.6×LTF20.8×SBICARD23.8×
P / E
23.8×TTM to Jun 26
P / B
—latest book
P / S
2.6×TTM sales
Earnings yield
4.2%TTM to Jun 26

On the trailing twelve months. Last full year: · P/S 2.6×.

Section 09 · The stock

How has the stock performed?

Adjusted close — 2020-03 to 2026-10₹ per share · split / bonus adjusted
0k₹5682020202120222023202420252026

Long-term price performance is shown above.

1-year return
−35.1%
3-year return
−28.2%
5-year return
−45.7%
From 52-wk high
−39.5%
Section 10 · Technical data

What does the technical data say?

Price-action indicators as of 2026-10-01. Secondary to the fundamentals above — included for timing context, not as a signal.

vs 50-day avg
Below₹640
vs 200-day avg
Below₹691
RSI (14)
25.9oversold
MACD histogram
-7.9
From 52-wk high
−39.5%
From 52-wk low
0.0%
30-day volatility
31.0%ann.
6-month return
−10.6%
RSI (14) · 0–10025.9 — oversold
0305070100OVERSOLDOVERBOUGHT25.9
Section 11 · Open questions

What should I investigate further?

Observations the engine tagged watch or deteriorating — prompts for your own research, not conclusions.

Nothing is flagged for review for this company.

  • Bank-specific metrics (NIM, GNPA/NNPA, CASA, cost-to-income, capital adequacy) are not yet mapped — asset-quality and spread insights are unavailable.
Section 12 · Reference

The numbers

The full statements, kept deliberately secondary. Every figure traces to a BSE Integrated Filing (inline XBRL); ratios are recomputed from the normalised facts.

Income & balance sheet — ₹ crore, consolidated
MetricFY20FY21FY22FY23FY24FY25FY26
Total income9,7529,71411,30214,28617,48418,63720,708
Interest earned4,8414,9284,8666,1537,9279,3479,901
Total debt10,43310,83714,68023,14331,99338,46337,621
Deposits0000000
Borrowings10,43310,83714,68023,14331,99338,46337,621
Investments19581,2972,1403,5196,2356,374
Operating cash flow—692−4,391−6,671−5,452−2,140493
Key ratios — consolidated
RatioFY20FY21FY22FY23FY24FY25FY26
Growth
Advances growth YoY———————
Deposits growth YoY———————
Profit growth YoY———————
Profitability
Net interest margin %———————
Cost-to-income %———————
Return on equity %———————
Return on assets %———————
Asset quality
Gross NPA %———————
Net NPA %———————
Credit cost %———————
Credit / deposit %———————
Financials: BSE Integrated Filing inline XBRL (SEBI taxonomy), normalised to standard metric keys. Prices: NSE end-of-day, raw OHLC preserved; a corporate-action factor produces the adjusted series. The insight engine writes factual observations from fixed rules — it does not make recommendations. Not investment advice.