Flash Finance

SBI Cards and Payment Services LimitedSBICARDBank / NBFC

Financial Services Credit Services Latest results: Mar 2026 14 quarters of data
₹564.20
MCap ₹53,692 Cr · P/E 24.8
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹4,934 Cr
Interest Earned · Mar 2026
+104.3% YoY
—
Operating Profit · Mar 2026
₹609 Cr
Net Profit · Mar 2026
+14.0% YoY
₹6.40
EPS · Mar 2026
+13.9% YoY
2.41%
Gross NPA % · Mar 2026
1.04%
Net NPA % · Mar 2026

📝 SBI Cards and Payment Services Limited — results explained

Quarter ended March 2026 (Q4 FY26)

SBI Cards and Payment Services Limited reported total income of ₹5,187 crore for the quarter ended March 2026 (Q4 FY26), up 7.4% from ₹4,832 crore in the same quarter last year, and down 3.1% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹4,934 crore and other income ₹253 crore. Net interest income (interest earned minus interest expended of ₹714 crore) worked out to ₹4,220 crore.

Net profit rose 14.0% year-on-year to ₹609 crore, from ₹534 crore. Earnings per share (EPS) came in at ₹6.40.

On asset quality, gross NPA stood at 2.41% and net NPA at 1.04% (gross NPA was 3.08% a year ago).

Full year and trailing twelve months

For the full year FY26, SBI Cards and Payment Services Limited posted total income of ₹20,712 crore, a growth of 11.1% over FY25, with a net profit of ₹2,166 crore (up 13.1% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹20,712 crore with a net profit of ₹2,166 crore.

Valuation snapshot

At the current price of ₹564.20, SBICARD has a market capitalisation of ₹53,692 crore and a trailing P/E of about 24.8.

Within the Credit Services industry, it is the 9th-largest of the 23 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 68.86%, foreign institutional investors (FIIs) 7.12%, domestic institutional investors (DIIs) 20.20%, public shareholders 3.83% of SBI Cards and Payment Services Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹53,692 Cr
Current Price ?
₹564.2
P/E ?
24.78above ind
Industry P/E ?
15.80
P/B ?
3.41
P/S ?
2.59
P/FCF ?
116.98
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
4.0%
Dividend Yield ?
0.44%
Profitability & Returns
Total Income (TTM) ?
₹20,712 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹2,166 Cr
EPS (TTM) ?
₹22.76
ROCE ?
N/A
ROE ?
13.8%
ROA ?
3.3%
Gross NPA % ?
2.41%
Net NPA % ?
1.04%
Growth
Total Income — latest qtr ?
₹5,187 Cr
PAT — latest qtr ?
₹609 Cr
YoY qtr sales growth ?
7.4%
YoY qtr profit growth ?
14.0%
Sales growth (3y) ?
13%
Sales growth (5y) ?
16%
Profit growth (3y) ?
-1%
Profit growth (5y) ?
17%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
68.86%
Change in promoter holding ?
0.27%
Pledged percentage ?
N/A
Market
Return 3 months ?
-13.8%
Return 6 months ?
-18.8%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026 YoY % QoQ %
Interest Earned 1,6091,6721,8041,9022,0822,1392,2432,2902,3992,4152,4932,4902,5364,934 +104.3% +94.5%
Other Income 2,0472,2442,2422,3202,6592,3362,2392,2662,3672,4172,5422,6472,817253 -89.5% -91.0%
Total Income 3,6563,9174,0464,2214,7424,4754,4834,5564,7674,8325,0355,1365,3535,187 +7.4% -3.1%
Interest Expended 464507571605695724767788829795813760785714 -10.2% -9.1%
Operating Profit 1,2171,4291,5151,5511,6201,8331,9001,7571,8311,9642,1001,8921,971— — —
Provisions 5336307197428839441,1011,2121,3131,2451,3521,2931,222— — —
Profit Before Tax 684800797809738888799545518719748600749816 +13.6% +8.9%
Net Profit 509596593603549662594404383534556445557609 +14.0% +9.4%
EPS 5.396.316.276.375.786.976.254.254.035.625.844.675.856.40 +13.9% +9.4%
Gross NPA % — 2.35% 2.41% 2.43% 2.64% 2.76% 3.06% 3.27% 3.24% 3.08% 3.07% 2.85% 2.86% 2.41% — —
Net NPA % — 0.87% 0.89% 0.89% 0.96% 0.99% 1.11% 1.19% 1.18% 1.46% 1.42% 1.29% 1.28% 1.04% — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹9,347 Cr ₹12,453 Cr ₹12,453 Cr +33.2%
Other Income ₹9,289 Cr ₹8,259 Cr ₹8,259 Cr -11.1%
Total Income ₹18,637 Cr ₹20,712 Cr ₹20,712 Cr +11.1%
Interest Expended ₹3,178 Cr ₹3,072 Cr ₹3,072 Cr -3.3%
Net Interest Income ₹6,169 Cr ₹9,381 Cr ₹9,381 Cr +52.1%
Operating Profit ₹7,451 Cr ₹5,964 Cr ₹5,964 Cr -20.0%
Provisions ₹4,871 Cr ₹3,866 Cr ₹3,866 Cr -20.6%
Profit Before Tax ₹2,581 Cr ₹2,913 Cr ₹2,913 Cr +12.9%
Tax ₹664 Cr ₹540 Cr ₹540 Cr -18.7%
Net Profit ₹1,916 Cr ₹2,166 Cr ₹2,166 Cr +13.1%
EPS ₹20.15 ₹22.76 ₹22.76 +13.0%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 946951951952 +0.1%
Reserves 8,88411,13312,83014,774 +15.2%
Borrowing 31,11039,89144,94744,064 -2.0%
Other Liabilities 4,6066,1966,8176,539 -4.1%
Total Liabilities 45,54658,17165,54666,328 +1.2%
Fixed Assets 551542320231 -27.8%
CWIP 2322100 -100.0%
Investments 2,1403,5196,2356,374 +2.2%
Other Assets 42,83254,08858,98059,723 +1.3%
Total Assets 45,54658,17165,54666,328 +1.2%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -6,671-5,653-2,140493 +123.0%
Cash from Investing Activity -921-1,255-2,491245 +109.8%
Cash from Financing Activity 7,8248,4014,687-1,172 -125.0%
Net Cash Flow 2321,49255-434 -889.1%
Free Cash Flow -6,764-5,728-2,196459 +120.9%
CFO/OP -140%-85%-26%24% +192.3%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 26%22%15%15% +0.0%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 68.59%68.59%68.58%68.92%68.86%68.86% +0.0%
FIIs 10.23%10.10%10.14%9.54%8.99%7.12% -20.8%
DIIs 17.50%17.76%17.84%18.12%18.13%20.20% +11.4%
Public 3.68%3.56%3.42%3.42%4.03%3.83% -5.0%
No. of Shareholders 7,74,6427,50,7867,18,3427,05,5977,29,8627,17,215 -1.7%

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJFINANCE Bajaj Finance ₹1,034.50 643,553 31.7 86,183 20,648 21.1% 24.0% 18.4% 15.2% 18.7% 27.6%
2 SHRIRAMFIN Shriram Finance ₹1,028.60 242,034 21.1 50,068 11,318 27.5% 22.6% 15.1% 4.7% 16.3% 59.9%
3 CHOLAFIN Cholamandalam Investment ₹1,845.90 157,642 27.2 33,144 5,751 14.1% 17.4% 20.6% 22.7% 21.8% 45.6%
4 PFC Power Finance ₹353.45 116,642 4.5 115,462 33,642 28.0% 29.1% 8.4% 10.2% -0.2% 0.2%
5 MUTHOOTFIN Muthoot Finance ₹2,792.10 112,094 10.6 31,349 10,606 33.7% 33.8% 54.4% 98.1% 65.1% 135.2%
6 IRFC Indian Railway ₹81.09 105,973 14.4 30,364 7,372 18.9% 24.3% 0.7% 7.8% 24.4% 10.2%
7 RECLTD REC ₹312.70 82,341 5.1 59,274 16,035 27.4% 27.1% 5.7% 2.7% -2.4% -6.1%
8 LTF L&T Finance ₹309.10 77,462 15.9 20,052 4,871 12.7% 24.3% 12.4% 67.1% 26.5% 32.4%
9 SBICARD SBI Cards ₹655.20 62,352 28.8 20,712 2,166 28.8% 10.5% 11.1% 13.1% 7.4% 14.0%
10 HDBFS HDB FINANCIAL ₹670.85 55,577 20.2 18,902 2,761 31.0% 14.6% — — 10.6% 38.3%
11 PIRAMALFIN PIRAMAL FINANCE ₹2,256.00 53,275 — — — — — — — — —
12 SUNDARMFIN Sundaram Finance ₹4,700.00 51,802 23.4 10,164 2,220 23.7% 21.8% 15.2% 9.5% 12.8% 33.9%
13 M&MFIN Mahindra & Mahindra ₹356.50 49,540 15.2 21,808 3,259 14.7% 14.9% 13.9% 26.5% 14.1% 75.3%
14 POONAWALLA Poonawalla Fincorp ₹444.00 38,888 34.7 8,900 1,088 15.8% 12.2% 60.9% 652.7% 70.1% 405.2%
15 HUDCO Housing and Urban ₹172.35 34,503 8.1 14,119 4,255 19.2% 30.1% 28.8% 48.9% 26.9% 35.1%
16 IREDA Indian Renewable ₹111.71 31,382 16.0 8,628 1,964 9.8% 22.8% 23.4% 10.3% 14.8% 36.8%
17 MANAPPURAM Manappuram Finance ₹329.00 30,904 20.9 10,300 1,445 16.2% 14.0% -5.5% -17.5% 34.2% 341.4%
18 CHOLAHLDNG Cholamandalam Financial ₹1,539.00 28,899 10.8 41,410 6,015 18.6% 14.5% 18.3% 15.7% 19.5% 42.0%
19 CGCL Capri Global ₹265.50 25,545 22.7 5,318 1,128 22.2% 21.2% 45.9% 98.4% 57.3% 102.0%
20 IIFL IIFL Finance ₹600.00 25,517 — — — — — 30.8% 214.4% 28.4% 92.6%
21 CREDITACC CreditAccess Grameen ₹1,403.30 22,489 18.6 6,383 1,211 31.9% 19.0% 5.3% 46.5% 21.9% 719.7%
22 IFCI IFCI ₹82.67 22,274 96.0 2,043 432 32.0% 21.2% 3.2% 24.7% -19.6% -3.5%
23 KISSHT OnEMI Technology ₹361.35 6,406 — — — — — — — 44.6% 58.5%
❓ Frequently asked questions
What was SBI Cards and Payment Services Limited's total income in Q4 FY26?
SBI Cards and Payment Services Limited reported total income of ₹5,187 crore for the quarter ended March 2026 (Q4 FY26), up 7.4% from ₹4,832 crore in the same quarter last year, and down 3.1% sequentially over the December 2025 quarter.
What was SBI Cards and Payment Services Limited's net profit in Q4 FY26?
Net profit rose 14.0% year-on-year to ₹609 crore, from ₹534 crore. Earnings per share (EPS) came in at ₹6.40.
What is SBICARD's market capitalisation and P/E ratio?
At the current price of ₹564.20, SBICARD has a market capitalisation of ₹53,692 crore and a trailing P/E of about 24.8.
What are SBI Cards and Payment Services Limited's NPA levels?
On asset quality, gross NPA stood at 2.41% and net NPA at 1.04% (gross NPA was 3.08% a year ago).
Who owns SBI Cards and Payment Services Limited? (shareholding pattern)
As of Sep 2026, promoters held 68.86%, foreign institutional investors (FIIs) 7.12%, domestic institutional investors (DIIs) 20.20%, public shareholders 3.83% of SBI Cards and Payment Services Limited.
TTM ends 2026-03-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI