SBI Cards and Payment Services Limited

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

620 7(-1%)

Near 52W Low of 565

Volume

18L as on 22, Jul

Open

605

High

608

Low

593

627

VWAP

632

52 Week High

965

52 Week Low

565

Viand Research Rating

Quality Score

13/100

Growth Score

0/100

Valuation Score

50/100

Momentum Score

20/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

59,005

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 Week2%

1 Month0%

3 Months9%

6 Months21%

1 Year30%

YTD27%

Moving Average

5 Day SMA643

10 Day SMA631

20 Day SMA617

30 Day SMA613

50 Day SMA614

61 Day SMA621

80 Day SMA632

200 Day SMA753

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	669	650	658	671
Resistance 2	658	648	651	659
Resistance 1	652	647	647	653
Pivot Point	640	645	640	641
Support 1	634	643	633	635
Support 2	622	642	629	623
Support 3	616	640	622	617

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
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
Sales Growth % (YoY)	-	-	-	-	-	-	-	-	-	-	-	-	-	21.4%	28%	31.3%	22.9%	-	-	-
Sales Growth % (QoQ)	-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	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
Net Profit Growth % (QoQ)	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)	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	2167	2092	1918	1877	1915	2043	2209	2408	2407	2341	2301	2224	2258	2243	2120	1939	1617	1036	650	0
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
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

OI Chart

Price

Delivery

#	Date	565 16% 658	Value (Cr)	Q/T 61	Del 42	Del 118
1	22-Jul	627	114	36	44	51
2	21-Jul	645	70	41	41	29
3	20-Jul	645	119	50	51	61
4	17-Jul	655	243	67	61	147
5	16-Jul	645	112	38	32	36
6	15-Jul	640	157	46	32	50
7	14-Jul	639	448	80	51	227
8	13-Jul	619	62	35	29	18
9	10-Jul	612	76	38	40	30
10	9-Jul	588	60	41	40	24
11	8-Jul	585	52	35	44	23
12	7-Jul	605	55	44	24	13
13	6-Jul	604	28	32	40	11
14	3-Jul	604	26	32	38	10
15	2-Jul	605	55	41	24	13
16	1-Jul	596	58	39	44	25
17	30-Jun	593	96	48	46	44
18	29-Jun	602	209	66	59	124
19	25-Jun	625	226	53	33	74
20	24-Jun	608	52	38	36	18
21	23-Jun	607	46	35	40	18
22	22-Jun	628	65	43	37	24
23	19-Jun	617	50	28	46	23
24	18-Jun	625	31	34	35	11
25	17-Jun	626	77	68	60	46
26	16-Jun	622	121	53	35	43
27	15-Jun	601	80	38	46	37
28	12-Jun	589	31	36	34	11
29	11-Jun	568	36	35	52	19
30	10-Jun	581	25	27	37	10
31	9-Jun	585	29	29	39	12
32	8-Jun	575	44	29	44	19
33	5-Jun	590	50	34	40	20
34	4-Jun	590	80	45	46	37
35	3-Jun	597	69	51	44	30
36	2-Jun	606	116	31	45	52
37	1-Jun	616	106	44	42	44
38	29-May	624	296	95	61	180
39	27-May	625	30	37	38	11
40	26-May	629	83	55	41	34
41	25-May	630	32	50	31	10
42	22-May	620	36	45	27	10
43	21-May	620	100	61	50	50
44	20-May	624	41	37	27	11
45	19-May	624	31	31	44	14
46	18-May	624	52	38	40	21
47	15-May	626	25	31	36	9
48	14-May	632	134	52	34	45

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	59,005c	652c	1.09
22-Jul	59,657c	1,808c	2.94
21-Jul	61,465c	666c	1.07
17-Jul	62,131c	752c	1.22
16-Jul	61,379c	466c	0.75
15-Jul	61,845c	2,655c	4.49
14-Jul	59,190c	366c	0.62
13-Jul	58,824c	1,399c	2.44
10-Jul	57,425c	1,389c	2.48
09-Jul	56,036c	271c	0.49
08-Jul	55,765c	1,699c	2.96
07-Jul	57,463c	81c	0.14
06-Jul	57,544c	90c	0.16
02-Jul	57,454c	733c	1.29
01-Jul	56,721c	48c	0.08
30-Jun	56,673c	1,442c	2.48
29-Jun	58,115c	1,323c	2.23
26-Jun	59,438c	638c	1.06
25-Jun	60,075c	2,446c	4.24
24-Jun	57,630c	181c	0.31
23-Jun	57,810c	1,951c	3.26
22-Jun	59,761c	876c	1.49
19-Jun	58,886c	581c	0.98
18-Jun	59,466c	33c	0.06
17-Jun	59,433c	243c	0.41
16-Jun	59,190c	2,113c	3.70
15-Jun	57,078c	1,218c	2.18
12-Jun	55,860c	1,014c	1.85
11-Jun	54,846c	966c	1.73
10-Jun	55,812c	0	0

Stock Checklist

Price is below from 52 week high low average: 73%

Stock is trading above all short term SMAs: YES

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

Mutual Fund Holdings

Held by 240 fund scheme(s) across 30 fund house(s) as of Jul26 · Total value ₹17,149 Cr · 19 increasing / 43 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
ICICI Prudential Mutual Fund	30	5.09%	+0.95%	8085.9
Nippon India Mutual Fund	24	1.10%	-	2926.5
ICICI Prudential Asset Management Company Limited	2	1.44%	+1.44%	2451.7
SBI Mutual Fund	8	10.78%	-	1787
Tata Mutual Fund	10	2.83%	-	714.4
HDFC Mutual Fund	12	0.19%	-0.02%	345.9
Bank of India Mutual Fund	24	3.00%	-	229.5
DSP Mutual Fund	8	0.34%	-	210.4
NJ Mutual Fund	4	0.85%	+0.22%	99.3
Bandhan Mutual Fund	10	462.33%	-	83.2
360 ONE Mutual Fund	6	3.01%	-	53
Aditya Birla Sun Life Mutual Fund	4	0.29%	-	48.5
Motilal Oswal Mutual Fund	10	0.76%	+0.28%	43.7
LIC Mutual Fund	16	1.05%	-	29.4
Axis Mutual Fund	8	0.03%	-	11.8
Edelweiss Mutual Fund	8	0.32%	-	10.9
UTI Mutual Fund	6	1.08%	-	4
Zerodha Mutual Fund	4	0.20%	-0.04%	3.8
Navi Mutual Fund	6	0.31%	-	3.7
Kotak Mahindra Mutual Fund	8	1.01%	-0.12%	3.6
Jio BlackRock Mutual Fund	2	0.29%	-	1.3
Groww Mutual Fund	4	0.30%	-	0.8
Mirae Asset Mutual Fund	4	0.19%	-	0.3
Taurus Mutual Fund	2	1.00%	-0.01%	0.2
Baroda BNP Paribas Mutual Fund	2	0.49%	-	0.1
Angel One Mutual Fund	2	0.10%	-	0.1
quant Mutual Fund	4	0.00%	-	0
HSBC Mutual Fund	4	0.00%	-	0
WhiteOak Capital Mutual Fund	6	0.00%	-0.50%	0
JM Financial Mutual Fund	2	0.00%	-0.53%	0

SBI Cards and Payment Services Limited

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