Sbi Cards Payment Services Ltd
SBICARD
Finance
₹ 856.15
Price
₹ 81,591
Market Cap
Large Cap
43.45
P/E Ratio
📊 Score Snapshot
10.0 / 25
Performance
17.38 / 25
Valuation
0.6 / 20
Growth
7.0 / 30
Profitability
34.98 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -157.63 | -92.84 | -95.82 | -74.31 | -20.71 | -62.42 | - | - |
| Adj Cash PAT | -14,995 | -8,829 | -9,065 | -7,006 | -1,948 | -5,861 | -3,574 | -3,777 |
| Adj Cash PAT To PAT | -7.83 | -3.67 | -4.01 | -4.34 | -1.98 | -4.71 | -4.13 | -6.28 |
| Adj EPS | 20.14 | 25.32 | 23.87 | 17.13 | 10.47 | 13.26 | - | - |
| Adj Number Of Shares | 95.13 | 95.10 | 94.60 | 94.28 | 94.08 | 93.89 | - | - |
| Adj PE | 42.80 | 28.84 | 31.01 | 50.83 | 93.06 | 44.51 | - | - |
| Adj Peg | - | 4.75 | 0.79 | 0.80 | - | - | - | - |
| Bvps | 144.86 | 127.07 | 103.91 | 82.23 | 67.00 | 56.89 | - | - |
| Cash Revenue | 18,080 | 33,872 | 27,364 | 21,271 | 18,575 | 18,656 | 13,891 | 10,452 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.01 | 0.99 | 1.01 |
| Dividend Yield | 0.28 | 0.35 | 0.32 | 0.30 | - | 0.18 | - | - |
| Fcfe | -9,870 | 84.00 | -931.00 | -1,893 | -1,330 | -2,305 | -1,261 | -745.00 |
| Fcfe Margin | -54.59 | 0.25 | -3.40 | -8.90 | -7.16 | -12.36 | -9.08 | -7.13 |
| Fcfe To Adj PAT | -5.15 | 0.03 | -0.41 | -1.17 | -1.35 | -1.85 | -1.46 | -1.24 |
| Market Cap | 82,012 | 69,456 | 70,023 | 82,160 | 91,662 | 55,419 | - | - |
| PB | 5.95 | 5.75 | 7.12 | 10.60 | 14.54 | 10.38 | - | - |
| PE | 42.81 | 28.84 | 31.01 | 50.84 | 93.06 | 44.51 | - | - |
| Peg | - | 4.75 | 0.79 | 0.80 | - | - | - | - |
| PS | 4.54 | 2.04 | 2.56 | 3.85 | 4.93 | 2.99 | - | - |
| ROE | 14.82 | 21.98 | 25.68 | 22.98 | 16.92 | 27.89 | 29.12 | 31.61 |
| Share Price | 862.10 | 730.35 | 740.20 | 871.45 | 974.30 | 590.25 | - | - |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,961 | 4,877 | 4,674 | 9,238 | 8,842 | 8,718 | 8,696 | 9,244 | 8,174 | 7,824 | 7,524 | 7,014 | 6,594 | 6,200 |
| Interest | 760.00 | 813.00 | 795.00 | 829.00 | 788.00 | 767.00 | 724.00 | 695.00 | 605.00 | 571.00 | 507.00 | 464.00 | 368.00 | 308.00 |
| Expenses - | 3,742 | 3,439 | 3,320 | 3,372 | 3,173 | 2,867 | 2,811 | 3,258 | 2,760 | 2,631 | 2,565 | 2,467 | 2,341 | 2,074 |
| Financing Profit | 459.00 | 625.00 | 559.00 | 419.00 | 461.00 | 725.00 | 813.00 | 668.00 | 722.00 | 710.00 | 690.00 | 576.00 | 588.00 | 718.00 |
| Financing Margin % | 9.25 | 12.82 | 11.96 | 4.54 | 5.21 | 8.32 | 9.35 | 7.23 | 8.83 | 9.07 | 9.17 | 8.21 | 8.92 | 11.58 |
| Other Income - | 176.00 | 158.00 | 158.00 | 148.00 | 135.00 | 124.00 | 127.00 | 120.00 | 134.00 | 134.00 | 154.00 | 149.00 | 156.00 | 163.00 |
| Depreciation | 35.00 | 35.00 | -2.00 | 49.00 | 50.00 | 49.00 | 52.00 | 51.00 | 47.00 | 48.00 | 45.00 | 41.00 | 39.00 | 39.00 |
| Profit Before Tax | 600.00 | 748.00 | 719.00 | 518.00 | 545.00 | 799.00 | 888.00 | 738.00 | 809.00 | 797.00 | 800.00 | 684.00 | 706.00 | 841.00 |
| Tax % | 25.83 | 25.67 | 25.73 | 26.06 | 25.87 | 25.66 | 25.45 | 25.61 | 25.46 | 25.60 | 25.50 | 25.58 | 25.50 | 25.45 |
| Net Profit - | 445.00 | 556.00 | 534.00 | 383.00 | 404.00 | 594.00 | 662.00 | 549.00 | 603.00 | 593.00 | 596.00 | 509.00 | 526.00 | 627.00 |
| Profit Excl Exceptional | 445.00 | 556.00 | 534.00 | 383.00 | 404.00 | 594.00 | 662.00 | 549.00 | 603.00 | 593.00 | 596.00 | 509.00 | 526.00 | 627.00 |
| Profit For PE | 445.00 | 556.00 | 534.00 | 383.00 | 404.00 | 594.00 | 662.00 | 549.00 | 603.00 | 593.00 | 596.00 | 509.00 | 526.00 | 627.00 |
| Profit For EPS | 445.00 | 556.00 | 534.00 | 383.00 | 404.00 | 594.00 | 662.00 | 549.00 | 603.00 | 593.00 | 596.00 | 509.00 | 526.00 | 627.00 |
| EPS In Rs | 4.67 | 5.84 | 5.61 | 4.03 | 4.25 | 6.25 | 6.97 | 5.78 | 6.37 | 6.27 | 6.30 | 5.39 | 5.57 | 6.65 |
| PAT Margin % | 8.97 | 11.40 | 11.42 | 4.15 | 4.57 | 6.81 | 7.61 | 5.94 | 7.38 | 7.58 | 7.92 | 7.26 | 7.98 | 10.11 |
| PBT Margin | 12.09 | 15.34 | 15.38 | 5.61 | 6.16 | 9.16 | 10.21 | 7.98 | 9.90 | 10.19 | 10.63 | 9.75 | 10.71 | 13.56 |
| Tax | 155.00 | 192.00 | 185.00 | 135.00 | 141.00 | 205.00 | 226.00 | 189.00 | 206.00 | 204.00 | 204.00 | 175.00 | 180.00 | 214.00 |
| Yoy Profit Growth % | 10.00 | -6.00 | -19.00 | -30.00 | -33.00 | - | 11.00 | 8.00 | 15.00 | -5.00 | 3.00 | 32.00 | 52.00 | 106.00 |
| Adj PAT | 445.00 | 556.00 | 534.00 | 383.00 | 404.00 | 594.00 | 662.00 | 549.00 | 603.00 | 593.00 | 596.00 | 509.00 | 526.00 | 627.00 |
| Adj PAT Margin | 8.97 | 11.40 | 11.42 | 4.15 | 4.57 | 6.81 | 7.61 | 5.94 | 7.38 | 7.58 | 7.92 | 7.26 | 7.98 | 10.11 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 18,072 | 33,972 | 27,340 | 21,358 | 18,602 | 18,562 | 14,034 | 10,390 | 6,694 | 4,784 | 3,644 | 2,876 |
| Interest | 3,178 | 2,595 | 1,648 | 1,027 | 1,043 | 1,301 | 1,009 | 712.00 | 528.00 | 436.00 | 378.00 | 300.00 |
| Expenses - | 12,731 | 11,460 | 9,444 | 7,953 | 7,223 | 6,618 | 4,887 | 3,715 | 2,366 | 1,617 | 1,255 | 918.00 |
| Financing Profit | 2,163 | 2,931 | 2,579 | 1,699 | 1,034 | 1,362 | 1,121 | 769.00 | 452.00 | 339.00 | 189.00 | 220.00 |
| Financing Margin % | 11.97 | 8.63 | 9.43 | 7.95 | 5.56 | 7.34 | 7.99 | 7.40 | 6.75 | 7.09 | 5.19 | 7.65 |
| Other Income - | 565.00 | 498.00 | 615.00 | 623.00 | 413.00 | 471.00 | 270.00 | 175.00 | 124.00 | 100.00 | 82.00 | 74.00 |
| Exceptional Items | - | - | - | -1.00 | - | - | - | - | - | - | - | - |
| Depreciation | 147.00 | 197.00 | 164.00 | 149.00 | 123.00 | 104.00 | 55.00 | 24.00 | 5.00 | 1.00 | 1.00 | 1.00 |
| Profit Before Tax | 2,581 | 3,232 | 3,031 | 2,172 | 1,324 | 1,730 | 1,335 | 919.00 | 572.00 | 438.00 | 271.00 | 293.00 |
| Tax % | 25.77 | 25.50 | 25.50 | 25.60 | 25.60 | 28.03 | 35.21 | 34.60 | 34.79 | 35.16 | 1.48 | - |
| Net Profit - | 1,916 | 2,408 | 2,258 | 1,616 | 985.00 | 1,245 | 865.00 | 601.00 | 373.00 | 284.00 | 267.00 | 293.00 |
| Profit Excl Exceptional | 1,916 | 2,408 | 2,258 | 1,617 | 985.00 | 1,245 | 865.00 | 601.00 | 373.00 | 284.00 | 267.00 | 293.00 |
| Profit For PE | 1,916 | 2,408 | 2,258 | 1,617 | 985.00 | 1,245 | 865.00 | 601.00 | 373.00 | 284.00 | 267.00 | 293.00 |
| Profit For EPS | 1,916 | 2,408 | 2,258 | 1,616 | 985.00 | 1,245 | 865.00 | 601.00 | 373.00 | 284.00 | 267.00 | 293.00 |
| EPS In Rs | 20.14 | 25.32 | 23.87 | 17.14 | 10.47 | 13.26 | - | - | - | - | - | - |
| Dividend Payout % | 12.00 | 10.00 | 10.00 | 15.00 | - | 8.00 | 10.00 | - | 21.00 | 28.00 | 15.00 | - |
| PAT Margin % | 10.60 | 7.09 | 8.26 | 7.57 | 5.30 | 6.71 | 6.16 | 5.78 | 5.57 | 5.94 | 7.33 | 10.19 |
| PBT Margin | 14.28 | 9.51 | 11.09 | 10.17 | 7.12 | 9.32 | 9.51 | 8.85 | 8.54 | 9.16 | 7.44 | 10.19 |
| Tax | 665.00 | 824.00 | 773.00 | 556.00 | 339.00 | 485.00 | 470.00 | 318.00 | 199.00 | 154.00 | 4.00 | - |
| Adj PAT | 1,916 | 2,408 | 2,258 | 1,615 | 985.00 | 1,245 | 865.00 | 601.00 | 373.00 | 284.00 | 267.00 | 293.00 |
| Adj PAT Margin | 10.60 | 7.09 | 8.26 | 7.56 | 5.30 | 6.71 | 6.16 | 5.78 | 5.57 | 5.94 | 7.33 | 10.19 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | - | 653.00 | - | 517.00 | 392.00 | 288.00 | 168.00 | 68.00 |
| Advance From Customers | - | - | - | 101.00 | - | 46.00 | 25.00 | 25.00 | 13.00 | - |
| Average Total Assets | 65,867 | 61,858 | 56,130 | 51,858 | - | 40,097 | 30,830 | 26,160 | 22,726 | 17,916 |
| Average Total Equity | 13,940 | 12,932 | 12,074 | 10,957 | - | 8,792 | 7,028 | 5,822 | 4,464 | 2,970 |
| Borrowing | 49,225 | 44,947 | - | 39,891 | - | 31,110 | 22,982 | 17,895 | 17,573 | 13,549 |
| Cwip | - | - | 7.00 | 22.00 | 19.00 | 23.00 | 14.00 | 10.00 | 24.00 | 20.00 |
| Cash Equivalents | 3,333 | 2,738 | 1,752 | 2,730 | 1,478 | 1,354 | 1,106 | 720.00 | 677.00 | 777.00 |
| Fixed Assets | 277.00 | 330.00 | 524.00 | 542.00 | 519.00 | 551.00 | 439.00 | 308.00 | 311.00 | 196.00 |
| Gross Block | - | - | - | 1,195 | - | 1,068 | 832.00 | 596.00 | 479.00 | 264.00 |
| Investments | 5,906 | 6,235 | 3,658 | 3,519 | 2,536 | 2,140 | 1,297 | 958.00 | 1.00 | 1.00 |
| Loans N Advances | 57,856 | 53,935 | 53,596 | 68.00 | - | 44.00 | 68.00 | -27.00 | -61.00 | -49.00 |
| Long Term Borrowings | - | - | 43,218 | - | 34,083 | - | - | - | - | 3,232 |
| Net Debt | -9,239 | -8,973 | 37,808 | 33,642 | 30,069 | 27,616 | 20,579 | 16,217 | 16,895 | 12,771 |
| Other Asset Items | 2,126 | 2,072 | 1,857 | 51,047 | 45,514 | 41,291 | 31,554 | 24,963 | 24,300 | 19,052 |
| Other Borrowings | - | - | - | 39,891 | - | 31,110 | 22,982 | 17,895 | 17,573 | - |
| Other Liability Items | 4,022 | 5,225 | 3,830 | 4,587 | 3,656 | 3,164 | 2,771 | 1,910 | 1,659 | 2,348 |
| Reserves | 13,838 | 12,830 | 12,138 | 11,133 | 10,112 | 8,884 | 6,810 | 5,362 | 4,402 | 2,751 |
| Share Capital | 952.00 | 951.00 | 951.00 | 951.00 | 947.00 | 946.00 | 943.00 | 941.00 | 939.00 | 837.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | - | 10,317 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | 1.00 | 1.00 |
| Total Assets | 69,862 | 65,546 | 61,872 | 58,171 | 50,388 | 45,546 | 34,648 | 27,013 | 25,307 | 20,146 |
| Total Borrowings | - | - | 43,218 | 39,891 | 34,083 | 31,110 | 22,982 | 17,895 | 17,573 | 13,549 |
| Total Equity | 14,790 | 13,781 | 13,089 | 12,084 | 11,059 | 9,830 | 7,753 | 6,303 | 5,341 | 3,588 |
| Total Equity And Liabilities | 69,862 | 65,546 | 61,872 | 58,171 | 50,388 | 45,546 | 34,648 | 27,013 | 25,307 | 20,146 |
| Total Liabilities | 55,072 | 51,765 | 48,783 | 46,087 | 39,329 | 35,716 | 26,895 | 20,710 | 19,966 | 16,558 |
| Trade Payables | 1,826 | 1,593 | 1,734 | 1,508 | 1,591 | 1,395 | 1,117 | 881.00 | 721.00 | 662.00 |
| Trade Receivables | 365.00 | 236.00 | 478.00 | 243.00 | 323.00 | 142.00 | 168.00 | 82.00 | 54.00 | 149.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 4,687 | 8,401 | 7,824 | 5,045 | 432.00 | 3,923 | 2,824 | 2,953 |
| Cash From Investing Activity | -2,491 | -1,457 | -921.00 | -538.00 | -997.00 | -77.00 | -76.00 | 128.00 |
| Cash From Operating Activity | -2,140 | -5,452 | -6,671 | -4,391 | 692.00 | -4,063 | -2,327 | -2,891 |
| Cash Paid For Loan Advances | - | -13,006 | -11,333 | -8,985 | -3,347 | -6,840 | -4,890 | -4,862 |
| Cash Paid For Purchase Of Fixed Assets | -56.00 | -74.00 | -93.00 | -100.00 | -57.00 | -78.00 | -96.00 | -42.00 |
| Cash Paid For Purchase Of Investments | -4,775 | -3,024 | -3,704 | -3,762 | -1,405 | -1,600 | -766.00 | -1,430 |
| Cash Paid For Redemption Of Debentures | -2,905 | -1,450 | -2,882 | -3,107 | -6,263 | -19,293 | -18,735 | -26,623 |
| Cash Paid For Repayment Of Borrowings | - | -700.00 | -100.00 | -100.00 | - | -50.00 | -50.00 | -40.00 |
| Cash Received From Borrowings | 7,939 | 10,130 | 8,708 | 4,016 | 366.00 | 2,032 | 1,211 | 7,610 |
| Cash Received From Issue Of Debentures | - | 810.00 | 2,337 | 4,255 | 6,449 | 20,841 | 19,928 | 22,101 |
| Cash Received From Issue Of Shares | 6.00 | 74.00 | 44.00 | 37.00 | 27.00 | 494.00 | 470.00 | - |
| Cash Received From Sale Of Fixed Assets | - | - | - | - | - | - | - | 2.00 |
| Cash Received From Sale Of Investments | 2,081 | 1,642 | 2,876 | 3,323 | 465.00 | 1,601 | 765.00 | 1,431 |
| Change In Other Working Capital Items | -17,003 | 1,757 | -293.00 | 214.00 | 276.00 | -422.00 | 459.00 | 116.00 |
| Change In Payables | 85.00 | 113.00 | 279.00 | 237.00 | 165.00 | 62.00 | 136.00 | 306.00 |
| Change In Receivables | 8.00 | -100.00 | 24.00 | -87.00 | -27.00 | 94.00 | -143.00 | 62.00 |
| Change In Working Capital | -16,911 | -11,237 | -11,323 | -8,621 | -2,933 | -7,106 | -4,439 | -4,378 |
| Direct Taxes Paid | -750.00 | -936.00 | -764.00 | -372.00 | -483.00 | -681.00 | -479.00 | -258.00 |
| Dividends Paid | -287.00 | -363.00 | -213.00 | - | -94.00 | -101.00 | - | -94.00 |
| Interest Paid | -3,158 | -2,604 | -1,584 | -1,027 | -1,096 | - | - | -692.00 |
| Interest Received | - | - | - | - | - | - | 21.00 | 3.00 |
| Investment Income | 259.00 | - | - | - | - | - | - | - |
| Net Cash Flow | 55.00 | 1,492 | 232.00 | 115.00 | 127.00 | -218.00 | 422.00 | 190.00 |
| Other Cash Financing Items Paid | -65.00 | -101.00 | -71.00 | -57.00 | -53.00 | - | - | - |
| Other Cash Investing Items Paid | - | - | - | - | - | - | - | 163.00 |
| Profit From Operations | 18,677 | 9,325 | 7,001 | 5,628 | 5,205 | 3,724 | 2,591 | 2,437 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Sbicard | 2025-09-30 | - | 10.10 | 17.76 | 3.56 | 0.00 |
| Sbicard | 2025-06-30 | - | 10.23 | 17.50 | 3.68 | 0.00 |
| Sbicard | 2025-03-31 | - | 9.88 | 17.22 | 4.30 | 0.00 |
| Sbicard | 2024-12-31 | - | 9.52 | 16.47 | 5.41 | 0.00 |
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