SBI Cards and Payment Services Limited

NSE: SBICARD BSE: 543066 SECTOR: Financial Services - Finance

631 1(0%)

Near 52W Low of 612

Volume

13L as on 26, May

Open

900

High

698

Low

678

630

VWAP

631

52 Week High

1,027

52 Week Low

612

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

60,042

No. of Shares

95.2

P/E

28.34

P/B

5.65

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

19.93

ROCE

Profit Growth

Listing Date

16-Mar-20

Promoter Holding

68.92%

FII Holding

9.54%

DII Holding

18.12%

Price Chart

Price Performance

1 Week1%

1 Month6%

3 Months19%

6 Months28%

1 Year31%

YTD27%

Moving Average

5 Day SMA625

10 Day SMA626

20 Day SMA635

30 Day SMA650

50 Day SMA661

61 Day SMA677

80 Day SMA698

200 Day SMA795

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	642	633	637	643
Resistance 2	637	632	634	637
Resistance 1	634	631	632	634
Pivot Point	628	630	628	629
Support 1	625	630	625	626
Support 2	620	629	623	620
Support 3	616	628	620	617

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	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	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.31) 68.92%	(0.01) 68.58%	(0.01) 68.59%	(0.01) 68.59%	(0.01) 68.60%	(0.01) 68.60%	(0.01) 68.61%	(0.01) 68.62%	(-0.11) 68.63%	(-0.21) 68.75%	(0.01) 68.94%	(-0.11) 68.96%	(0.01) 69.02%	(-0.41) 69.05%	(-0.21) 69.41%	(0.01) 69.64%	(0.11) 69.59%	(0.11) 69.47%	(0.01) 69.37%
FIIs	(-0.61) 9.54%	(0.01) 10.14%	(-0.11) 10.10%	(0.41) 10.23%	(0.41) 9.88%	(0.31) 9.52%	(0.51) 9.18%	(0.11) 8.72%	(-0.81) 8.59%	(0.31) 9.35%	(-0.41) 9.08%	(1.01) 9.48%	(-0.71) 8.45%	(0.31) 9.13%	(0.51) 8.82%	(-1.21) 8.29%	(-0.81) 9.53%	(-2.81) 10.28%	(0.01) 13.07%
DIIs	(0.31) 18.12%	(0.11) 17.84%	(0.31) 17.76%	(0.31) 17.50%	(0.81) 17.22%	(-0.31) 16.47%	(0.21) 16.76%	(-0.11) 16.54%	(0.41) 16.68%	(-1.01) 16.27%	(0.11) 17.28%	(-0.31) 17.17%	(0.81) 17.47%	(-0.31) 16.72%	(0.81) 16.99%	(3.81) 16.24%	(0.51) 12.41%	(2.21) 11.92%	(0.01) 9.71%
Public	3.42%	3.42%	3.56%	3.68%	4.30%	5.41%	5.46%	6.11%	6.09%	5.62%	4.69%	4.37%	5.06%	5.11%	4.78%	5.83%	8.47%	8.33%	7.86%
No. of Shareholders	705,597	718,342	750,786	774,642	847,672	937,270	948,916	1,019,117	1,036,632	1,028,673	961,296	967,531	1,041,168	1,057,260	1,063,054	1,178,353	1,161,090	1,140,586	1,046,249

Quarterly Results

	Mar 2026	Dec 2025	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	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	4934	5127	4961	4877	4674	4619	4421	4359	4348	4622	4087	3912	3762	3507	3297	3100	2850	2889	2576	2362
Expenses	3625	3785	3742	3439	3320	3372	3173	2867	2811	3258	2760	2631	2565	2467	2341	2074	1930	2307	1938	1779
Operating Profit	596	557	459	625	559	419	461	725	813	668	722	710	690	576	588	718	653	305	385	354
OPM %	12	11	9	13	12	9	10	17	19	14	18	18	18	16	18	23	23	11	15	15
Other Income	253	226	176	158	158	148	135	124	127	120	134	134	154	149	156	163	166	250	119	89
Interest	714	785	760	813	795	829	788	767	724	695	605	571	507	464	368	308	267	277	254	229
Depreciation	32	34	35	35	-2	49	50	49	52	51	47	48	45	41	39	39	39	37	40	33
Profit before tax	816	749	600	748	719	518	545	799	888	738	809	797	800	684	706	841	779	519	464	410
Tax %	25	26	26	26	26	26	26	26	25	26	26	26	25	26	26	25	25	26	26	26
Net Profit	609	557	445	556	534	383	404	594	662	549	603	593	596	509	526	627	581	386	345	305
EPS in Rs	6.4	5.85	4.67	5.84	5.61	4.03	4.25	6.25	6.97	5.78	6.37	6.27	6.3	5.39	5.57	6.65	6.16	4.09	3.66	3.24

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	19900	18074	16986	13670	10679	9301	9281	7017	5195	3347	2392	1822	1438	1008
Expenses	14587	12731	11460	9444	7953	7223	6618	4887	3715	2366	1617	1255	918	713
Operating Profit	2241	2164	2931	2579	1699	1034	1362	1121	769	452	339	189	220	85
OPM %	11	12	17	19	16	11	15	16	15	14	14	10	15	8
Other Income	808	563	498	615	622	413	471	270	175	124	100	82	74	52
Interest	3072	3178	2595	1648	1027	1043	1301	1009	712	528	436	378	300	210
Depreciation	136	147	197	164	149	123	104	55	24	5	1	1	1	1
Profit before tax	2913	2581	3232	3031	2172	1324	1730	1335	919	572	438	271	293	136
Tax %	26	26	25	25	26	26	28	35	35	35	35	1	0	-1
Net Profit	2167	1916	2408	2258	1616	985	1245	865	601	373	284	267	293	136
EPS in Rs	22.77	20.14	25.32	23.87	17.14	10.47	13.26	10.33	7.66	4.75	3.62	3.4	3.73	1.74
Dividend Payout %	11	12	10	10	15	0	8	10	0	21	28	15	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Cash from Operating Activity	493	-2140	-5653	-6671	-4391	692	-4063	-2327	-2891	-2235	-1158	-879	-398
Cash from Investing Activity	245	-2491	-1255	-921	-538	-997	-77	-76	128	-1	1	1	1
Cash from Financing Activity	-1172	4687	8401	7824	5045	432	3923	2824	2953	2244	1141	1008	475
Net Cash Flow	-434	55	1492	232	115	127	-218	422	190	9	-17	130	78

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	952	952	951	951	951	946	943	941	939	837	785	785	785	785	785	785
Reserves	14774	13838	12830	12138	11133	8884	6810	5362	4402	2751	1568	664	370	181	-39	-332
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	6539	5848	6817	5565	6196	4606	3913	2816	2393	3009	1920	1048	797	593	491	231
Total Liabilities	66328	69862	65546	61872	58171	45546	34648	27013	25307	20146	15686	10765	7880	6257	4735	3488
Fixed Assets	231	277	320	524	542	551	439	308	311	196	242	24	2	2	1	1
CWIP	0	0	10	7	22	23	14	10	24	20	35	0	0	0	0	0
Investments	6374	5906	6235	3658	3519	2140	1297	958	1	1	0	0	0	0	0	0
Other Assets	59723	63679	58980	57683	54088	42832	32898	25737	24971	19928	15409	10741	7878	6256	4734	3487
Total Assets	66328	69862	65546	61872	58171	45546	34648	27013	25307	20146	15686	10765	7880	6257	4735	3488

OI Chart

Price

Delivery

#	Date	612 16% 712	Value (Cr)	Q/T 58	Del 44	Del 93
1	27-May	625	30	37	38	11
2	26-May	629	83	55	41	34
3	25-May	630	32	50	31	10
4	22-May	620	36	45	27	10
5	21-May	620	100	61	50	50
6	20-May	624	41	37	27	11
7	19-May	624	31	31	44	14
8	18-May	624	52	38	40	21
9	15-May	626	25	31	36	9
10	14-May	632	134	52	34	45
11	13-May	634	126	70	49	61
12	12-May	625	121	53	62	76
13	11-May	642	97	44	38	37
14	8-May	645	84	56	59	50
15	7-May	648	91	56	46	42
16	6-May	650	221	92	64	141
17	5-May	646	94	59	53	50
18	4-May	645	75	30	36	27
19	30-Apr	644	127	39	47	60
20	29-Apr	651	126	43	36	45
21	28-Apr	647	381	54	46	176
22	27-Apr	671	146	40	24	35
23	24-Apr	670	66	40	48	31
24	23-Apr	681	59	43	42	25
25	22-Apr	686	80	40	45	36
26	21-Apr	680	51	32	36	19
27	20-Apr	675	70	25	42	29
28	17-Apr	695	52	27	35	18
29	16-Apr	686	55	33	40	22
30	15-Apr	684	51	28	41	21
31	13-Apr	671	81	38	48	39
32	10-Apr	678	43	28	43	18
33	9-Apr	669	63	42	46	29
34	8-Apr	671	116	41	43	50
35	7-Apr	640	89	54	55	49
36	6-Apr	635	121	49	51	62
37	2-Apr	638	52	31	36	19
38	1-Apr	637	75	40	39	29
39	30-Mar	635	197	45	55	109
40	27-Mar	674	286	39	55	158
41	25-Mar	700	94	29	34	32
42	24-Mar	674	122	35	51	62
43	23-Mar	653	101	23	39	40
44	20-Mar	689	140	30	49	69

Daily Market Cap

Date	Total Market Cap	Change	Chg %
26-May	60,042c	5c	0.01
25-May	60,046c	771c	1.30
22-May	59,276c	167c	0.28
21-May	59,109c	414c	0.70
20-May	59,523c	48c	0.08
19-May	59,475c	324c	0.55
18-May	59,152c	414c	0.69
15-May	59,566c	733c	1.22
14-May	60,299c	890c	1.50
13-May	59,409c	67c	0.11
12-May	59,475c	1,361c	2.24
11-May	60,836c	828c	1.34
07-May	61,664c	400c	0.65
06-May	61,264c	119c	0.19
05-May	61,383c	281c	0.46
04-May	61,664c	424c	0.69
30-Apr	61,240c	795c	1.28
29-Apr	62,035c	390c	0.63
28-Apr	61,645c	2,222c	3.48
24-Apr	63,867c	1,584c	2.42
23-Apr	65,451c	219c	0.34
22-Apr	65,232c	619c	0.96
21-Apr	64,614c	1,618c	2.44
17-Apr	66,231c	1,028c	1.58
15-Apr	65,204c	0	0

Stock Checklist

Price is below from 52 week high low average: 91%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: YES

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