SBI CARDS AND PAYMENT SERVICES Financial Statement Analysis
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The Revenues of SBI CARDS AND PAYMENT SERVICES have increased by 6.51% YoY .
The Earnings Per Share (EPS) of SBI CARDS AND PAYMENT SERVICES has decreased by -20.46 % YoY. |
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| REVENUES |
| OPERATING MARGIN |
| PROFIT AFTER TAX |
| EPS |
| ROCE |
SBI CARDS AND PAYMENT SERVICES Last 5 Annual Financial Results
[BOM: 543066|NSE : SBICARD]
| Standalone | Mar2025 | Mar2024 | Mar2023 | Mar2022 | Mar2021 |
|---|---|---|---|---|---|
| Operating Income | ₹18,072 Cr | ₹16,968 Cr | ₹13,667 Cr | ₹10,677 Cr | ₹9,296 Cr |
| Expenses | ₹11,966 Cr | ₹10,742 Cr | ₹8,807 Cr | ₹8,034 Cr | ₹6,866 Cr |
| Operating Profit (Excl OI) | ₹6,106 Cr | ₹6,226 Cr | ₹4,859 Cr | ₹2,644 Cr | ₹2,430 Cr |
| Other Income | ₹565 Cr | ₹515 Cr | ₹619 Cr | ₹1,181 Cr | ₹417 Cr |
| Interest | ₹3,944 Cr | ₹3,313 Cr | ₹2,284 Cr | ₹1,503 Cr | ₹1,400 Cr |
| Depreciation | ₹147 Cr | ₹197 Cr | ₹164 Cr | ₹149 Cr | ₹123 Cr |
| Profit Before Tax | ₹2,581 Cr | ₹3,232 Cr | ₹3,031 Cr | ₹2,172 Cr | ₹1,324 Cr |
| Profit After Tax | ₹1,916 Cr | ₹2,408 Cr | ₹2,258 Cr | ₹1,616 Cr | ₹985 Cr |
| Earnings Per Share (Rs) | ₹20.14 | ₹25.32 | ₹23.87 | ₹17.14 | ₹10.47 |
| PAT Margin (%) | 10.60 | 14.19 | 16.53 | 15.14 | 10.59 |
| ROE(%) | 14.83 | 22.03 | 25.82 | 23.15 | 17.00 |
| ROCE(%) | 11.79 | 14.09 | 14.83 | 13.38 | 11.56 |
| Total Debt/Equity(x) | 3.27 | 3.30 | 3.18 | 2.98 | 2.86 |
Key Financials |
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| Market Cap | : | ₹ 73,344.6 Cr |
| Revenue (TTM) | : | ₹ 19,130.5 Cr |
| Net Profit(TTM) | : | ₹ 1,918.1 Cr |
| EPS (TTM) | : | ₹ 20.2 |
| P/E (TTM) | : | 38.2 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| SBI CARDS AND PAYMENT SERVICES | -8% | -11.1% | 3.8% |
| BAJAJ FINANCE | -4.5% | -8.3% | 26.8% |
| JIO FINANCIAL SERVICES | -8.2% | -15.3% | -4.7% |
| BAJAJ HOLDINGS & INVESTMENT | 0.4% | -5.3% | -1.1% |
| CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY | -3.4% | -2.3% | 33.4% |
| SHRIRAM FINANCE | -0.7% | 4.8% | 94.6% |
| MUTHOOT FINANCE | -3.6% | -0.1% | 80.2% |
| SUNDARAM FINANCE | -2.2% | -1% | 7.7% |
| INDIAN RENEWABLE ENERGY DEVELOPMENT AGENCY | -5.1% | -8% | -37.5% |
SBI CARDS AND PAYMENT SERVICES Revenues
[BOM: 543066|NSE : SBICARD]
| Y-o-Y | 6.51 % |
| 5 Yr CAGR | 18.08 % |
| Years | Revenues | % Change | |
|---|---|---|---|
| Mar2025 | ₹18,072 Cr | 6.51 | |
| Mar2024 | ₹16,968 Cr | 24.16 | |
| Mar2023 | ₹13,667 Cr | 28.00 | |
| Mar2022 | ₹10,677 Cr | 14.85 | |
| Mar2021 | ₹9,296 Cr | - | |
SBI CARDS AND PAYMENT SERVICES Operating Profit
[BOM: 543066|NSE : SBICARD]
| Y-o-Y | -1.93 % |
| 5 Yr CAGR | 25.90 % |
| Years | Operating Profit | % Change | |
|---|---|---|---|
| Mar2025 | ₹6,106 Cr | -1.93 | |
| Mar2024 | ₹6,226 Cr | 28.12 | |
| Mar2023 | ₹4,859 Cr | 83.82 | |
| Mar2022 | ₹2,644 Cr | 8.79 | |
| Mar2021 | ₹2,430 Cr | - | |
| Operating Margins | |
|---|---|
| Y-o-Y | -7.90 % |
| 5 Yr CAGR | 6.63 % |
| Years | Operating Margin% | % Change | |
|---|---|---|---|
| Mar2025 | 33.79% | -7.90 | |
| Mar2024 | 36.69% | 3.18 | |
| Mar2023 | 35.56% | 43.62 | |
| Mar2022 | 24.76% | -5.28 | |
| Mar2021 | 26.14% | - | |
SBI CARDS AND PAYMENT SERVICES Profit After Tax
[BOM: 543066|NSE : SBICARD]
| Y-o-Y | -20.41 % |
| 5 Yr CAGR | 18.12 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2025 | ₹1,916 Cr | -20.41 | |
| Mar2024 | ₹2,408 Cr | 6.62 | |
| Mar2023 | ₹2,258 Cr | 39.74 | |
| Mar2022 | ₹1,616 Cr | 64.16 | |
| Mar2021 | ₹985 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | -25.30 % |
| 5 Yr CAGR | 0.02 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2025 | 10.6 % | -25.30 | |
| Mar2024 | 14.19 % | -14.16 | |
| Mar2023 | 16.53 % | 9.18 | |
| Mar2022 | 15.14 % | 42.97 | |
| Mar2021 | 10.59 % | - | |
SBI CARDS AND PAYMENT SERVICES Earnings Per Share (EPS)
[BOM: 543066|NSE : SBICARD]
| Y-o-Y | -20.46 % |
| 5 Yr CAGR | 17.77 % |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2025 | ₹20 | -20.46 | |
| Mar2024 | ₹25 | 6.07 | |
| Mar2023 | ₹24 | 39.26 | |
| Mar2022 | ₹17 | 63.71 | |
| Mar2021 | ₹10 | - | |
SBI CARDS AND PAYMENT SERVICES Return on Capital Employed (ROCE)
[BOM: 543066|NSE : SBICARD]
| Y-o-Y | -16.32 % |
| 5 Yr CAGR | 0.49 % |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2025 | 11.79% | -16.32 | |
| Mar2024 | 14.09% | -4.99 | |
| Mar2023 | 14.83% | 10.84 | |
| Mar2022 | 13.38% | 15.74 | |
| Mar2021 | 11.56% | - | |
SBI CARDS AND PAYMENT SERVICES Share Price vs Sensex
| Current Share Price | : | ₹770.8 |
| Current MarketCap | : | ₹ 73,344.6 Cr |
| Updated EOD on | : | Jan 23,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| SBI CARDS AND PAYMENT SERVICES | -8% |
-11.1% |
3.8% |
| SENSEX | -2.4% |
-4.7% |
6.4% |
SBI CARDS AND PAYMENT SERVICES related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE ALLCAP | 6.4% | 8.9% | 7.5% |
| BSE LARGEMIDCAP | 4.5% | 7.2% | 8.3% |
| BSE LARGECAP | -2.8% | -4.2% | 6.8% |
| BSE 200 | -3% | -4.5% | 6% |
| BSE FINANCIAL SERVICES | -3.1% | -3% | 16.7% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY REITS & INVITS INDEX | -0.7% | 0.9% | 18.9% |
| NIFTY ALPHA QUALITY LOW-VOLATILITY 30 | -2% | -3.5% | 0.5% |
| NIFTY LOW VOLATILITY 50 | -2.3% | -3.2% | 6% |
| NIFTY ALPHA LOW-VOLATILITY 30 | -2.3% | -3.3% | 0.7% |
| NIFTY RURAL INDEX | -2.5% | -3.6% | 11.7% |
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FAQ about SBI CARDS AND PAYMENT SERVICES Financials
How the annual revenues of SBI CARDS AND PAYMENT SERVICES have changed ?
The Revenues of SBI CARDS AND PAYMENT SERVICES have increased by 6.51% YoY .
How the Earnings per Share (EPS) of SBI CARDS AND PAYMENT SERVICES have changed?
The Earnings Per Share (EPS) of SBI CARDS AND PAYMENT SERVICES has decreased by -20.46 % YoY .
Check out Intrinsic Value of Peers of SBI CARDS AND PAYMENT SERVICES
Compare Stock Analytics of Peers of SBI CARDS AND PAYMENT SERVICES
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BAJAJ FINANCE LTD vs JIO FINANCIAL SERVICES LTD vs BAJAJ HOLDINGS & INVESTMENT LTD
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