SBI CARDS AND PAYMENT SERVICES LIMITED
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.
Nothing crossed the threshold for this company yet — see the data-coverage note below.
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).
Is the business growing?
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
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.
Q1 FY27 net profit was ₹664 cr, up 19.5% from ₹556 cr a year earlier.
Rule QTR_PROFIT_GROWTH_YOY
Q1 FY27 net profit of ₹664 cr is the highest of the 15 quarters on record for this company.
Rule QTR_PROFIT_AT_RECORD
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
| Quarter | Total income | YoY | Net profit | YoY |
|---|---|---|---|---|
| Q2 FY25 | 4,556 | — | 404 | — |
| Q3 FY25 | 4,767 | +0.5% | 383 | −30.2% |
| Q4 FY25 | 4,832 | +8.0% | 534 | −19.4% |
| Q1 FY26 | 5,035 | +12.3% | 556 | −6.5% |
| Q2 FY26 | 5,136 | +12.7% | 445 | +10.0% |
| Q3 FY26 | 5,353 | +12.3% | 557 | +45.2% |
| Q4 FY26 | 5,187 | +7.4% | 609 | +14.1% |
| Q1 FY27 | 5,205 | +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
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
- —
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
- —
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×
- 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×.
How has the stock performed?
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%
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%
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.
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.
| Metric | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total income | 9,752 | 9,714 | 11,302 | 14,286 | 17,484 | 18,637 | 20,708 |
| Interest earned | 4,841 | 4,928 | 4,866 | 6,153 | 7,927 | 9,347 | 9,901 |
| Total debt | 10,433 | 10,837 | 14,680 | 23,143 | 31,993 | 38,463 | 37,621 |
| Deposits | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 10,433 | 10,837 | 14,680 | 23,143 | 31,993 | 38,463 | 37,621 |
| Investments | 1 | 958 | 1,297 | 2,140 | 3,519 | 6,235 | 6,374 |
| Operating cash flow | — | 692 | −4,391 | −6,671 | −5,452 | −2,140 | 493 |
| Ratio | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| 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 % | — | — | — | — | — | — | — |