SBI Cards and Payment Services Ltd Stock Price Today (NSE: SBICARD)
SBI Cards and Payment Services Ltd
Fundamental Score
SBI Cards and Payment Services Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
SBI Cards and Payment Services Ltd share price today is ₹660.15, up +0.36% on NSE/BSE as of 31 July 2026. SBI Cards and Payment Services Ltd (SBICARD) is a Large-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹60.98K (Cr). The 52-week high for SBICARD share price is ₹965.00 and the 52-week low is ₹565.45. At a P/E ratio of 28.14x, SBICARD is currently trading above its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 14.69% and a debt-to-equity ratio of 2.80.
SBI Cards and Payment Services Ltd Share Price Chart — NSE/BSE Historical Performance
SBI Cards and Payment Services Ltd share price chart: 10.74% return over the past month. 52-week high ₹965.00, 52-week low ₹565.45.
SBI Cards and Payment Services Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹661.00 | ₹665.50 | ₹656.55 | ₹660.15 | 9.04L (Cr) | |
| ₹660.80 | ₹662.75 | ₹653.70 | ₹657.80 | 10.75L (Cr) | |
| ₹662.75 | ₹663.45 | ₹652.25 | ₹660.50 | 7.79L (Cr) | |
| ₹645.25 | ₹666.75 | ₹644.95 | ₹654.90 | 21.62L (Cr) | |
| ₹630.65 | ₹647.25 | ₹627.95 | ₹645.00 | 20.47L (Cr) | |
| ₹641.10 | ₹646.50 | ₹628.55 | ₹645.05 | 10.96L (Cr) | |
| ₹658.00 | ₹658.00 | ₹638.05 | ₹644.95 | 18.36L (Cr) | |
| ₹644.05 | ₹657.75 | ₹637.00 | ₹654.70 | 37.23L (Cr) | |
| ₹640.35 | ₹653.00 | ₹633.10 | ₹644.60 | 17.31L (Cr) | |
| ₹616.00 | ₹641.80 | ₹612.65 | ₹638.85 | 70.92L (Cr) |
SBI Cards and Payment Services Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹593.20 | ₹666.75 | ₹579.90 | ₹660.15 | +11.29% | |
| ₹624.80 | ₹638.80 | ₹565.45 | ₹593.20 | -5.06% | |
| ₹646.95 | ₹660.00 | ₹612.10 | ₹624.40 | -3.49% | |
| ₹647.55 | ₹700.40 | ₹615.50 | ₹643.90 | -0.56% | |
| ₹747.38 | ₹762.68 | ₹634.00 | ₹635.45 | -14.98% | |
| ₹737.35 | ₹797.71 | ₹725.15 | ₹771.70 | +4.66% | |
| ₹861.70 | ₹906.40 | ₹749.90 | ₹753.55 | -12.55% | |
| ₹881.05 | ₹893.75 | ₹829.00 | ₹861.70 | -2.20% | |
| ₹880.05 | ₹902.70 | ₹852.40 | ₹880.15 | +0.01% | |
| ₹873.10 | ₹965.00 | ₹852.90 | ₹878.65 | +0.64% | |
| ₹802.00 | ₹905.05 | ₹788.25 | ₹876.95 | +9.35% | |
| ₹801.50 | ₹829.80 | ₹783.60 | ₹803.50 | +0.25% |
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
SBI Cards and Payment Services Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
SBI Cards and Payment Services Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SBICARD across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (29.17%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (16.43% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (16.81% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (17.08% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Balanced Promoter Holding (68.92%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Strong Institutional Confidence (FII+DII: 27.66%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
3 factors identified
Elevated Debt Levels (D/E: 2.80)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.95x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-18719.25 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
SBI Cards and Payment Services Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare SBI Cards and Payment Services Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
SBI Cards and Payment Services LtdSBI Cards and P...Selected✓ SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Manappuram Finance LtdManappuram Fina... MANAPPURAM • 531213 | 23/100 | ₹371.85₹372 | ₹30890.12₹30890.12 | 30.79Average 30.8 Average | 7.04%Poor 7.04% Poor | 8.26%Poor 8.26% Poor | 3.60Poor 3.6 Poor | -10.26%Poor -10.26% Poor | 8.48%Good 8.48% Good | 1.07% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
SBI Cards and Payment Services Ltd PE Ratio History
Historical price-to-earnings ratio for SBICARD — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹20.14 | ₹861.70 | 42.8x |
| FY 2024 | ₹25.37 | ₹663.85 | 26.2x |
| FY 2023 | ₹23.80 | ₹759.65 | 31.9x |
| FY 2022 | ₹17.02 | ₹795.50 | 46.7x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
SBI Cards and Payment Services Ltd Dividend History
Annual cash dividends paid by SBICARD — dividend yield 0.39%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹287.11 Cr |
| FY 2024 | ₹362.64 Cr |
| FY 2023 | ₹212.86 Cr |
| FY 2021 | ₹93.83 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
SBI Cards and Payment Services Ltd Quarterly Performance
Latest quarterly metrics for SBICARD — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
5.57%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
14.06%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
16.43%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
17.08%
Compounded annual net profit growth over 5 years
SBI Cards and Payment Services Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for SBICARD — calculated from daily price history
Momentum is strong — price may be stretched. Watch for pullbacks.
Technical indicators are for educational purposes only. Not investment advice.
SBI Cards and Payment Services Ltd Financial Statements
Annual income statement, balance sheet and cash flow for SBI Cards and Payment Services Ltd (SBICARD) — sourced from NSE/BSE filings.
Loading Financial Statements...
Fetching financial data for SBI Cards and Payment Services Ltd
About SBICARD (SBI Cards and Payment Services Ltd)
SBI Cards and Payment Services Ltd is a prominent Non-Banking Financial Company operating in the Indian financial landscape, specializing in the issuance and management of credit c...ards. SBICARD caters to a diverse clientele, encompassing both individual consumers and corporate entities, offering a comprehensive suite of credit card products designed to meet varied financial needs. The company distinguishes itself by providing specialized solutions, including corporate credit cards tailored for business expenses, central travel cards streamlining travel management for organizations, and utility cards simplifying bill payments. Furthermore, SBICARD extends its offerings with purchase cards and virtual credit cards, catering to the evolving digital transaction landscape and providing secure online payment options. SBICARD operates beyond being a mere credit card issuer, functioning also as a corporate agent for insurance policies, adding an extra layer of value for its cardholders. Through this function, the company facilitates access to insurance products for credit card customers, providing convenience and potentially enhancing financial security. This integration of insurance services with credit card offerings showcases SBICARD's commitment to providing a holistic financial solution, recognizing the interconnectedness of different financial needs and aiming to address them within a single platform. SBICARD continuously strives to innovate and adapt to changing market dynamics to deliver value to its customers. Established in 1998, SBICARD has solidified its presence in the Indian financial market. The company maintains its corporate headquarters in Gurugram, Haryana. The company's strategic location facilitates effective management and oversight of its nationwide operations. SBICARD is a subsidiary of the State Bank of India (SBI), India's largest public sector bank. This parentage provides SBICARD with a strong foundation, access to SBI's extensive network and customer base, and the credibility associated with a trusted financial institution. This affiliation with SBI plays a pivotal role in SBICARD's growth and expansion strategy within the competitive credit card industry.
Company Details
Key Leadership
Corporate Events
Latest News
SBICARD Share Price: Frequently Asked Questions
What is the current share price of SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd (SBICARD) trades at ₹660.15 on NSE and BSE. Market cap ₹60.98K (Cr). Educational data only.
What is the P/E ratio of SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd has a P/E of 28.14x vs industry average 22.18x.
What is the Bull Run score for SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd has a Bull Run score of 43.9/100 based on 25+ financial parameters.
Does SBI Cards and Payment Services Ltd pay dividends?
SBI Cards and Payment Services Ltd has a dividend yield of 0.39%. Past dividends don't guarantee future payments.
What is the ROE of SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd has ROE of 14.69%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd has debt-to-equity of 2.80.
Is SBI Cards and Payment Services Ltd a good investment?
Bull Run gives SBI Cards and Payment Services Ltd a score of 43.9/100. This is not investment advice — consult a SEBI-registered advisor.