SBI Cards & Payment Services Ltd (SBICARD) — shareholding pattern, promoter holding, financials and share price
About SBI Cards & Payment Services Ltd (SBICARD)
SBI Cards & Payment Services Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as SBICARD and on the BSE under scrip code 543066. Its ISIN is INE018E01016.
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]
SBI Cards and Payment Services Limited is engaged in issuing credit cards and acts as a corporate insurance agent for selling policies to card customers.
During the latest quarter, SBI Cards remained the second largest credit card issuer in India, boasting an 18.8% market share in cards in force.
Listed peers in Non Banking Financial Company (NBFC): HDB Financial Services Ltd, Sundaram Finance Ltd, Piramal Finance Ltd, Mahindra & Mahindra Financial Services Ltd, Authum Investment & Infrastructure Ltd, Poonawalla Fincorp Ltd.
Valuation & Returns
10 Jul 2026At ₹611 a share on 10 Jul 2026, SBI Cards & Payment Services Ltd (SBICARD) was valued at a price-to-earnings ratio of 26.84x against an industry P/E of 19.5x and a price-to-book of 4.22x on a book value of ₹144.82 per share as of Mar 2025. Solomo computes return on equity of 15.72% and return on capital employed of 9.82% from filed results. Earnings ratios use standalone results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 26.84x
- Industry P/E
- 19.5x
- P/B
- 4.22x
- EPS (TTM)
- ₹22.77
- Book value / share
- ₹144.82
- ROE
- 15.72%
- ROCE
- 9.82%
- ROA
- 3.31%
- Debt / equity
- 3.26x
- Dividend yield
- 0.41%
- EBITDA margin
- 30.76%
- 52-week range
- ₹566.6 – ₹964.95
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, SBI Cards & Payment Services Ltd (SBICARD) reported revenue of ₹19,900 crore, net profit of ₹2,167 crore and earnings per share of ₹22.77. That compares with revenue of ₹18,074 crore and net profit of ₹1,916 crore in Mar 2025. Figures are standalone, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹4,934 crore and net profit ₹609 crore (standalone).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 10,679 | 13,670 | 16,986 | 18,074 | 19,900 |
| Net profit (₹ cr) | 1,616 | 2,258 | 2,408 | 1,916 | 2,167 |
| EPS (₹) | 17.14 | 23.87 | 25.32 | 20.14 | 22.77 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 25.22% | 14.27% | 19.17% | 6.41% |
| Profit growth | 23.64% | 9.01% | 5.84% | -20.41% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 68.86% of SBI Cards & Payment Services Ltd (SBICARD) (down 0.06 pp QoQ), foreign institutional investors (FII) hold 8.99% and domestic institutional investors (DII) hold 18.13%. Market capitalisation was ₹58,144 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Mar 2020.
Largest disclosed public shareholders in Jun 2026: Icici Prudential Large & Mid Cap Fund 7.09%, Life Insurance Corporation Of India - P & Gs Fund 6.11%, Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund 2.38%, Government Pension Fund Global 1.3%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 68.86% | - | 8.99% | 18.13% | 31.14% |
| Mar 2026 | 68.92% | - | 9.54% | 18.12% | 31.08% |
| Dec 2025 | 68.58% | - | 10.15% | 17.85% | 31.42% |
| Sep 2025 | 68.59% | - | 10.1% | 17.76% | 31.41% |
| Jun 2025 | 68.59% | - | 10.22% | 17.51% | 31.41% |
| Mar 2025 | 68.6% | - | 9.88% | 17.22% | 31.4% |
| Dec 2024 | 68.6% | - | 9.51% | 16.48% | 31.4% |
| Sep 2024 | 68.61% | - | 9.18% | 16.75% | 31.39% |