SBI Cards and Payment Services Limited
NSE: SBICARDMarket Closed • NSE
Day range
52 week range
SBI Cards and Payment Services Limited closed at INR562.00 (+2.62%) on volume 0.69x its 20-day average, trading 41.76% below its 52-week high.
2026-Q2
Q2 FY2026 Financial Results
PAT moved +9% QoQ
2026-03-11
DIVIDEND Announced
Interim Dividend - Rs 2.50 Per Share
2025-02-25
DIVIDEND Announced
Interim Dividend - Rs 2.50 Per Share
Revenue and PAT bars use independent scales to make their year-on-year direction readable.
Complete reported financial history · Values use the company's reporting currency
Hover over the chart for exact reported values. Percentage lines use the right-hand axis.
A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.
Strengths
Established operational history in the sector
Active institutional participation
Risks
Elevated Leverage Burden: Debt-to-Equity stands at 2.80x
Bull case
Market Leadership: Established operational scale in Credit Services.
Bear case
Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.
Flip condition
Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.
Ownership distribution
Category trends
Hover over a period for exact holdings
Complete dividend, bonus, split, rights and other action history
| Record date | Corporate action | Information | Announcement date | Ex-date |
|---|---|---|---|---|
| 11 Mar 2026 | Dividend | ₹2.50 / share | — | 11 Mar 2026 |
| 25 Feb 2025 | Dividend | ₹2.50 / share | — | 25 Feb 2025 |
| 28 Mar 2024 | Dividend | ₹2.50 / share | — | 28 Mar 2024 |
| 29 Mar 2023 | Dividend | ₹2.50 / share | — | 29 Mar 2023 |
| 31 Mar 2022 | Dividend | ₹2.50 / share | — | 30 Mar 2022 |
| 18 May 2020 | Dividend | ₹1.00 / share | — | 15 May 2020 |
Traded volume and delivery percentage across the latest 20 sessions
Compare valuation, latest quarterly performance and year-on-year growth
| Company name | Market cap ₹ Cr | P/E ratio | Dividend yield % | Quarterly sales ₹ Cr | Profit after tax ₹ Cr | Sales growth % | Profit growth % |
|---|---|---|---|---|---|---|---|
 HDFC Bank LimitedHDFCBANK Open analysis | ₹10.90L | 15.46 | 1.88% | ₹46,355.55 | ₹19,059.72 | -45.69% | +17.23% |
 ICICI Bank LimitedICICIBANK Open analysis | ₹9.73L | 17.52 | 0.89% | ₹32,960.41 | ₹16,276.00 | -35.98% | +12.59% |
 State Bank of IndiaSBIN Open analysis | ₹8.85L | 10.28 | 1.85% | ₹62,915.13 | ₹25,121.00 | -29.09% | +13.56% |
 Bajaj Finance LimitedBAJFINANCE Open analysis | ₹5.97L | 29.48 | 0.56% | ₹13,929.00 | ₹6,081.00 | +17.62% | +27.62% |
 Life Insurance Corporation of IndiaLICI Open analysis | ₹4.99L | 8.30 | 2.64% | ₹2.40L | ₹13,584.00 | +6.76% | +24.00% |
 Kotak Mahindra Bank LimitedKOTAKBANK Open analysis | ₹4.39L | 21.62 | 0.15% | ₹11,266.63 | ₹5,480.00 | -41.22% | +22.54% |
 Axis Bank LimitedAXISBANK Open analysis | ₹3.92L | 14.16 | 0.08% | ₹21,381.52 | ₹7,114.00 | -3.52% | +22.53% |
 Bajaj Finserv Ltd.BAJAJFINSV Open analysis | ₹2.78L | 27.54 | 0.08% | ₹42,036.90 | — | +39.05% | — |
SBI Cards and Payment Services Limited is a non-deposit accepting systemically important nonbanking financial company registered with the RBI. The Company is engaged in issuing credit cards to consumers in India. It is headquartered in Gurgaon, Haryana. It is a subsidiary of India’s largest commercial bank, the State Bank of India. [1][2][3]
IndiaFinancial Services
Is SBI Cards and Payment Services Limited Shariah compliant?
SBI Cards and Payment Services Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (82.39%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (60.29%) exceeds 5% threshold.
What is SBI Cards and Payment Services Limited's current valuation relative to peers?
SBI Cards and Payment Services Limited trades at a P/E of 23.5x compared to the sector median of 17.1x, and a Price-to-Book of 3.4x.
Is the company financially healthy?
The company has a Debt-to-Equity ratio of 2.80x. Interest coverage is 0x.
What are the historical revenue and profit growth rates?
Over the past 5 years, revenue compounded at 5.2% while net profit growth averaged -2.1%.
Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.
Market data may be delayed. Quote date: 2026-10-09. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.