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- SBI Cards and Payment Services
SBI Cards and Payment Services share price
NSE: SBICARDFinancialsCredit Services
SBI Cards and Payment Services at a glance
SBI Cards and Payment Services (NSE: SBICARD) closed at ₹565.20 on 22 Oct 2026, up 2.01% on the day. With a market capitalisation of ₹53,890 Cr, it ranks 186th by market cap among the 4,183 NSE companies Pivot tracks (a mid-cap company by SEBI's rank bands). It belongs to the Financials sector; its industry is Credit Services.
At its last close the stock traded at 24.8× trailing earnings, against a return on equity of 13.8% in FY26. Over the past year the share price has fallen 38.1%. Its 52-week range is ₹545.55 (22 Oct 2026) to ₹965.00 (23 Oct 2025); the last close is 41.4% below the high. In Q1 FY27, the quarter ended 30 Jun 2026, revenue was ₹5,041 Cr (+3.4% year on year) and net profit ₹664 Cr (+19.5%), on a standalone basis. Promoters held 68.86% of the company as of 30 Jun 2026.
Key numbers
- Market cap
- ₹53,890 CrRank 186 on NSE
- P/E (trailing)
- 24.8×
- Price to book
- 3.84×FY26
- EPS (TTM)
- ₹23.90to Q1 FY27
- ROE
- 13.8%FY26
- ROCE
- 10.1%FY26
- Net profit margin
- 10.9%FY26
- Book value / share
- ₹165.25FY26
- 52-week high
- ₹965.0023 Oct 2025
- 52-week low
- ₹545.5522 Oct 2026
- 1-year return
- −38.1%
- RSI (14-day)
- 40.4
Returns to 22 Oct 2026
| Period | 1 day | 1 week | 1 month | 3 months | 1 year |
|---|---|---|---|---|---|
| Price change | +2.01% | −0.3% | −11.2% | −9.8% | −38.1% |
SBI Cards and Payment Services quarterly results
| Quarter | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹4,421 Cr | ₹4,619 Cr | ₹4,674 Cr | ₹4,877 Cr | ₹4,961 Cr | ₹5,127 Cr | ₹4,935 Cr | ₹5,041 Cr |
| Revenue YoY | +8.2% | −0.1% | +7.5% | +11.9% | +12.2% | +11.0% | +5.6% | +3.4% |
| Net profit | ₹404 Cr | ₹383 Cr | ₹534 Cr | ₹556 Cr | ₹445 Cr | ₹557 Cr | ₹609 Cr | ₹664 Cr |
| Net profit YoY | −32.9% | −30.2% | −19.4% | −6.5% | +10.0% | +45.2% | +14.1% | +19.5% |
| Net margin | 9.1% | 8.3% | 11.4% | 11.4% | 9.0% | 10.9% | 12.3% | 13.2% |
| EPS | ₹4.25 | ₹4.03 | ₹5.62 | ₹5.84 | ₹4.67 | ₹5.85 | ₹6.40 | ₹6.98 |
SBI Cards and Payment Services financials
| Item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Revenue | ₹9,277 Cr | ₹10,677 Cr | ₹13,667 Cr | ₹16,968 Cr | ₹18,072 Cr | ₹19,900 Cr |
| Operating profit | ₹1,324 Cr | ₹2,172 Cr | ₹3,031 Cr | ₹3,232 Cr | ₹2,581 Cr | ₹2,913 Cr |
| Net profit | ₹985 Cr | ₹1,616 Cr | ₹2,258 Cr | ₹2,408 Cr | ₹1,916 Cr | ₹2,167 Cr |
| EPS (₹) | ₹10.48 | ₹17.16 | ₹23.92 | ₹25.39 | ₹20.15 | ₹22.77 |
| Cash from operations | ₹692 Cr | −₹4,391 Cr | −₹6,671 Cr | −₹5,452 Cr | −₹2,140 Cr | ₹0 Cr |
| Total debt | ₹7,231 Cr | ₹0 Cr | ₹7,967 Cr | ₹7,898 Cr | ₹0 Cr | ₹0 Cr |
| Shareholders' equity | ₹6,302 Cr | ₹7,753 Cr | ₹9,830 Cr | ₹12,084 Cr | ₹13,782 Cr | ₹15,726 Cr |
SBI Cards and Payment Services shareholding pattern
| Holder | 31 Mar 2025 | 30 Jun 2025 | 30 Sep 2025 | 31 Dec 2025 | 31 Mar 2026 | 30 Jun 2026 |
|---|---|---|---|---|---|---|
| Promoters | 68.60% | 68.59% | 68.59% | 68.58% | 68.92% | 68.86% |
| Foreign institutions | 9.88% | 10.22% | 10.10% | 10.15% | 9.54% | 8.99% |
| Domestic institutions | 17.22% | 17.51% | 17.76% | 17.85% | 18.12% | 18.13% |
| Non-institutions | 4.30% | 3.68% | 3.55% | 3.42% | 3.42% | 4.03% |
SBI Cards and Payment Services vs peers
The listed Financials companies nearest to SBI Cards and Payment Services by market capitalisation.
| Company | Price | 1 day | 1 year | Market cap | P/E | ROE |
|---|---|---|---|---|---|---|
| LTFL&T Finance | ₹246.85 | +0.94% | −6.1% | ₹61,159 Cr | 20.8 | 10.7% |
| MOTILALOFSMotilal Oswal Financial Services | ₹975.65 | −1.03% | −2.2% | ₹58,830 Cr | 29.7 | 14.5% |
| GICREGeneral Insurance Corporation of India | ₹325.95 | −1.02% | −13.4% | ₹56,079 Cr | 5.9 | 16.3% |
| SBICARDSBI Cards and Payment Services | ₹565.20 | +2.01% | −38.1% | ₹53,890 Cr | 24.8 | 13.8% |
| POLICYBZRPB Fintech | ₹1,039.90 | +2.07% | −39.2% | ₹48,023 Cr | 71.6 | 9.2% |
| SUNDARMFINSundaram Finance | ₹4,095.90 | −0.11% | −7.3% | ₹45,159 Cr | 21.9 | 13.8% |
| PIRAMALFINPiramal Finance | ₹1,961.00 | −2.92% | — | ₹44,247 Cr | 29.7 | 5.3% |
Ask anything about SBI Cards and Payment Services
Pivot answers on the live chart with evidence you can check, and tests strategies against SBICARD's own history. Try: “Why has SBICARD moved over the last three months?” · “Backtest a 50-day moving-average crossover on SBICARD over five years” · “Compare SBICARD with LTF on margins and valuation”
Frequently asked questions about SBI Cards and Payment Services
What is the share price of SBI Cards and Payment Services today?
SBI Cards and Payment Services (NSE: SBICARD) last closed at ₹565.20 on 22 Oct 2026. Its 52-week high is ₹965.00 and its 52-week low is ₹545.55.
What is the market cap of SBI Cards and Payment Services?
SBI Cards and Payment Services' market capitalisation is ₹53,890 Cr (₹53,890 Cr) at the 22 Oct 2026 close, ranking 186th among the NSE companies Pivot tracks.
What is the P/E ratio of SBI Cards and Payment Services?
SBI Cards and Payment Services trades at a trailing P/E of 24.8. The median P/E of the 6 closest Financials peers by market cap is 29.7.
What is the ROE and ROCE of SBI Cards and Payment Services?
Return on equity was 13.8% in FY26 and return on capital employed was 10.1% in FY26 (standalone figures).
What were SBI Cards and Payment Services' latest quarterly results?
For Q1 FY27 (quarter ended 30 Jun 2026), SBI Cards and Payment Services reported revenue of ₹5,041 Cr, +3.4% year on year, and net profit of ₹664 Cr, +19.5% year on year.
How has SBI Cards and Payment Services stock performed over the last year?
SBI Cards and Payment Services' share price has fallen 38.1% over the past year, −9.8% over three months and −11.2% over one month, to the 22 Oct 2026 close.
What is the shareholding pattern of SBI Cards and Payment Services?
As of 30 Jun 2026: promoters 68.86%, foreign institutions 8.99%, domestic institutions 18.13%, non-institutions 4.03%.
Who are SBI Cards and Payment Services' competitors?
The listed Financials companies closest to SBI Cards and Payment Services by market cap are L&T Finance, Motilal Oswal Financial Services, General Insurance Corporation of India, PB Fintech, Sundaram Finance and Piramal Finance.
Is SBI Cards and Payment Services a good stock to buy?
Pivot does not give buy or sell recommendations. This page sets out SBI Cards and Payment Services' price history, valuation, profitability, quarterly results and ownership so you can judge it yourself, and Pivot's chart lets you test a strategy on SBICARD against its own history before risking money. This is analysis, not financial advice.
Sources and method
Prices: NSE daily closes to 22 Oct 2026 (returns and ratios at the 22 Oct 2026 close). Fundamentals: company filings via Moneycontrol, standalone where available. Shareholding: exchange shareholding-pattern filings. The 52-week range uses intraday highs and lows; the chart marks closing prices. P/E is the last close over trailing twelve-month EPS. Market-cap rank is among the 4,183 NSE companies Pivot tracks; SEBI's bands call the top 100 large-cap and the next 150 mid-cap. Figures marked “—” are not available rather than zero. This is analysis, not financial advice.
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