SBI Cards and Payment Services Limited

Web: sbicard.com NSE: SBICARD BSE: 543066 SECTOR: Financial Services - Finance | Add Note | View Notes

661 0(0%)

Volume

38L as on 03, Sep

Open

630

High

631

Low

623

661

VWAP

656

52 Week High

965

52 Week Low

565

Viand Research Rating

Quality Score

27/100

Growth Score

0/100

Valuation Score

50/100

Momentum Score

45/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

62,946

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

68.86%

FII Holding

8.98%

DII Holding

18.13%

Price Chart

Price Performance

1 Week2%

1 Month1%

3 Months11%

6 Months11%

1 Year17%

YTD23%

Moving Average

5 Day SMA643

10 Day SMA647

20 Day SMA645

30 Day SMA648

50 Day SMA636

61 Day SMA631

80 Day SMA627

200 Day SMA713

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	664	641	653	671
Resistance 2	653	639	646	657
Resistance 1	644	637	641	651
Pivot Point	633	635	633	637
Support 1	624	633	626	631
Support 2	613	631	621	617
Support 3	604	630	613	611

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	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	(-0.11) 68.86%	(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) 8.98%	(-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	(0.01) 18.13%	(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	4.02%	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	729,862	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

	Jun 2026	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	5041	4934	5127	4961	4877	4674	4619	4421	4359	4348	4622	4087	3912	3762	3507	3297	3100	2850	2889	2576	2362
Sales Growth % (YoY)	3.4%	5.6%	11%	12.2%	11.9%	7.5%	-0.1%	8.2%	11.4%	15.6%	31.8%	24%	26.2%	-	21.4%	28%	31.3%	22.9%	-	-	-
Sales Growth % (QoQ)	2.2%	-3.8%	3.3%	1.7%	4.3%	1.2%	4.5%	1.4%	0.3%	-5.9%	13.1%	4.5%	4%	7.3%	6.4%	6.4%	8.8%	-1.3%	12.2%	9.1%	-
Expenses	3537	3625	3785	3742	3439	3320	3372	3173	2867	2811	3258	2760	2631	2565	2467	2341	2074	1930	2307	1938	1779
Operating Profit	759	596	557	459	625	559	419	461	725	813	668	722	710	690	576	588	718	653	305	385	354
OPM %	15	12	11	9	13	12	9	10	17	19	14	18	18	18	16	18	23	23	11	15	15
Other Income	165	253	226	176	158	158	148	135	124	127	120	134	134	154	149	156	163	166	250	119	89
Interest	745	714	785	760	813	795	829	788	767	724	695	605	571	507	464	368	308	267	277	254	229
Depreciation	31	32	34	35	35	-2	49	50	49	52	51	47	48	45	41	39	39	39	37	40	33
Profit before tax	893	816	749	600	748	719	518	545	799	888	738	809	797	800	684	706	841	779	519	464	410
Tax %	26	25	26	26	26	26	26	26	26	25	26	26	26	25	26	26	25	25	26	26	26
Net Profit	664	609	557	445	556	534	383	404	594	662	549	603	593	596	509	526	627	581	386	345	305
Net Profit Growth % (QoQ)	9%	9.3%	25.2%	-20%	4.1%	39.4%	-5.2%	-32%	-10.3%	20.6%	-9%	1.7%	-0.5%	17.1%	-3.2%	-16.1%	7.9%	50.5%	11.9%	13.1%	-
Net Profit Growth % (YoY)	19.4%	14%	45.4%	10.1%	-6.4%	-19.3%	-30.2%	-33%	0.2%	11.1%	7.9%	14.6%	-5.4%	2.6%	31.9%	52.5%	105.6%	-	-	-	-
TTM Net Profit	2275	2167	2092	1918	1877	1915	2043	2209	2408	2407	2341	2301	2224	2258	2243	2120	1939	1617	1036	650	0
EPS in Rs	6.98	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
Sales Growth %	10.1%	6.4%	24.2%	28%	14.8%	0.2%	32.3%	35.1%	55.2%	39.9%	31.3%	26.7%	42.7%	-
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
Net Profit Growth %	13.1%	-20.4%	6.6%	39.7%	64.1%	-20.9%	43.9%	43.9%	61.1%	31.3%	6.4%	-8.9%	115.4%	-
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

Delivery

Delivery Data: SBICARD

#	Date	580 16% 674	Value (Cr)	Q/T 142	Del 55	Del 738
1	4-Sep	658	116	69	58	67
2	3-Sep	661	250	77	33	83
3	2-Sep	635	124	69	43	54
4	1-Sep	632	222	95	47	105
5	31-Aug	645	1701	262	86	1466
6	28-Aug	641	90	45	59	53
7	27-Aug	645	113	40	60	68
8	26-Aug	660	136	51	50	68
9	25-Aug	651	79	44	54	43
10	24-Aug	650	167	78	57	95
11	21-Aug	649	132	38	57	75
12	20-Aug	647	349	48	46	159
13	19-Aug	624	139	38	59	83
14	18-Aug	615	172	47	59	102
15	17-Aug	642	38	27	38	15
16	14-Aug	633	99	85	57	57
17	13-Aug	641	252	86	76	191
18	12-Aug	657	35	23	51	18
19	11-Aug	650	43	37	58	25
20	10-Aug	655	147	73	68	100
21	7-Aug	659	96	47	58	56
22	6-Aug	660	35	34	50	18
23	5-Aug	666	56	34	52	29
24	4-Aug	658	45	25	47	21
25	3-Aug	665	55	32	41	22
26	31-Jul	660	60	40	55	33
27	30-Jul	658	71	53	53	38
28	29-Jul	660	51	46	42	22
29	28-Jul	655	143	56	32	46
30	27-Jul	645	131	51	25	33
31	24-Jul	619	38	37	32	12
32	23-Jul	622	43	36	37	16
33	22-Jul	627	114	36	44	51
34	21-Jul	645	70	41	41	29
35	20-Jul	645	119	50	51	61
36	17-Jul	655	243	67	61	147
37	16-Jul	645	112	38	32	36
38	15-Jul	640	157	46	32	50
39	14-Jul	639	448	80	51	227
40	13-Jul	619	62	35	29	18
41	10-Jul	612	76	38	40	30
42	9-Jul	588	60	41	40	24
43	8-Jul	585	52	35	44	23
44	7-Jul	605	55	44	24	13
45	6-Jul	604	28	32	40	11
46	3-Jul	604	26	32	38	10
47	2-Jul	605	55	41	24	13
48	1-Jul	596	58	39	44	25
49	30-Jun	593	96	48	46	44
50	29-Jun	602	209	66	59	124

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	62,946c	514c	0.82
03-Sep	62,433c	1,428c	2.34
01-Sep	61,005c	1,052c	1.69
31-Aug	62,057c	676c	1.10
27-Aug	61,381c	1,566c	2.49
26-Aug	62,946c	1,370c	2.23
25-Aug	61,576c	309c	0.50
24-Aug	61,885c	1,004c	1.65
21-Aug	60,881c	1,532c	2.58
19-Aug	59,349c	823c	1.41
18-Aug	58,526c	2,546c	4.17
17-Aug	61,072c	833c	1.38
14-Aug	60,239c	1,299c	2.11
13-Aug	61,538c	947c	1.52
12-Aug	62,485c	162c	0.26
10-Aug	62,323c	390c	0.62
07-Aug	62,713c	57c	0.09
06-Aug	62,770c	152c	0.24
04-Aug	62,618c	190c	0.30
31-Jul	62,808c	148c	0.24
30-Jul	62,661c	45c	0.07
29-Jul	62,616c	190c	0.30
28-Jul	62,426c	857c	1.39
27-Jul	61,570c	0	0

Stock Checklist

Price is above from 52 week high low average: 24%

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: NO

Mutual Fund Holdings

Held by 179 fund scheme(s) across 27 fund house(s) as of Aug26 · Total value ₹18,281 Cr · 64 increasing / 72 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
ICICI Prudential Mutual Fund	30	1.67%	+0.18%	8996.7
Nippon India Mutual Fund	18	1.01%	+0.03%	2923.9
ICICI Prudential Asset Management Company Limited	2	1.64%	+0.13%	2728.5
SBI Mutual Fund	12	1.09%	-1.57%	1749.7
Tata Mutual Fund	10	2.63%	+0.10%	770.7
HDFC Mutual Fund	12	0.15%	+0.02%	385.1
Franklin Templeton Mutual Fund	4	1.60%	+1.69%	227.5
DSP Mutual Fund	8	0.32%	-0.03%	221.8
Bandhan Mutual Fund	10	0.31%	+0.07%	125.2
NJ Mutual Fund	4	0.82%	-0.03%	95.3
Motilal Oswal Mutual Fund	10	0.33%	-0.02%	47.6
Axis Mutual Fund	4	0.62%	-0.14%	13
Aditya Birla Sun Life Mutual Fund	2	0.47%	-0.02%	4.6
Zerodha Mutual Fund	4	0.24%	+0.02%	4.4
Kotak Mahindra Mutual Fund	6	0.88%	+0.07%	3.9
Navi Mutual Fund	6	0.41%	-0.06%	3.5
Edelweiss Mutual Fund	4	0.23%	-	1.8
Jio BlackRock Mutual Fund	2	0.33%	-0.02%	1.5
Groww Mutual Fund	4	0.11%	-0.01%	0.8
UTI Mutual Fund	2	0.47%	-0.02%	0.7
Bank of India Mutual Fund	9	0.01%	-0.46%	0.6
Taurus Mutual Fund	2	0.83%	-0.08%	0.2
Angel One Mutual Fund	2	0.10%	-0.01%	0.1
Baroda BNP Paribas Mutual Fund	2	0.50%	-0.02%	0.1
LIC Mutual Fund	2	0.00%	-0.83%	0
WhiteOak Capital Mutual Fund	2	-0.36%	+0.19%	-6
Mirae Asset Mutual Fund	6	-0.37%	+0.07%	-19.8

SBI Cards and Payment Services Limited

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