SBI Cards

Who are in the management team of SBI Cards?

As of March 2023, the management team of SBI Cards includes Payal Mittal (Company Secretary), Dinesh Kumar Khara (Chairman), Abhijit Chakravorty (Managing Director), and several independent directors. They oversee the company's operations and strategic direction.

As of March 2023, the management team of SBI Cards includes the following individuals:<BR><BR>1. Payal Mittal - Company Secretary & Compliance Officer<BR>2. Dinesh Kumar Khara - Chairman (Non-Executive)<BR>3. Rajendra Kumar Saraf - Independent Director<BR>4. Tejendra Mohan Bhasin - Independent Director<BR>5. Dinesh Kumar Mehrotra - Independent Director<BR>6. Anuradha Shripad Nadkarni - Independent Director<BR>7. Shriniwas Yeshwant Joshi - Independent Director<BR>8. Abhijit Chakravorty - Managing Director<BR>9. Nitin Chugh - Nominee (SBI)<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

Has SBI Cards declared dividend?

Yes, SBI Cards has declared a 25% dividend, amounting to ₹2.5 per share, with an ex-date of February 25, 2025. The company has shown strong total returns, particularly in the last 6 months and 5 years, with total returns of 38.95% and 60.43%, respectively.

SBI Cards & Payment Services Ltd has declared a 25% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 25%<BR>- Amount per share: 2.5<BR>- Ex-date: 25 Feb 2025<BR><BR>Dividend Yield: 0.27%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 38.6%, the dividend return was 0.35%, resulting in a total return of 38.95%.<BR><BR>Over the past year, the price return stood at 41.34%, with a dividend return of 0.35%, leading to a total return of 41.69%.<BR><BR>In the 2-year period, the price return was 7.66%, the dividend return was 0.55%, culminating in a total return of 8.21%.<BR><BR>For the 3-year period, the price return was 28.5%, the dividend return was 1.05%, resulting in a total return of 29.55%.<BR><BR>In the last 4 years, the price return was -5.21%, the dividend return was 1.04%, leading to a total return of -4.17%.<BR><BR>Over the past 5 years, the price return was 58.9%, with a dividend return of 1.53%, resulting in a total return of 60.43%.<BR><BR>Overall, SBI Cards has declared a dividend, and the total returns over various periods indicate a generally positive performance, particularly in the short to medium term, with significant total returns in the last 5 years.

Who are the peers of the SBI Cards?

Peers of SBI Cards include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, and Authum Invest. SBI Cards has a good management risk profile and a 1-year return of 29.78%, outperforming Jio Financial, which has a return of -20.22%.

Peers: The peers of SBI Cards are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, Authum Invest.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, and SBI Cards, while Good management risk is found at Shriram Finance and Aditya Birla Cap, and Average management risk is noted at Jio Financial, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv. Growth is Excellent at Jio Financial and Authum Invest, Good at Bajaj Finance and Cholaman.Inv.&Fn, and Average at SBI Cards, Muthoot Finance, Aditya Birla Cap, and Sundaram Finance, while Below Average growth is seen at L&T Finance Ltd and M & M Fin. Serv. Excellent capital structure is present in Bajaj Finance, Shriram Finance, Muthoot Finance, SBI Cards, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, and Authum Invest, while Good capital structure is found at Cholaman.Inv.&Fn.<BR><BR>Return Snapshot: Authum Invest has the highest 1-year return at 164.07%, while Jio Financial has the lowest at -20.22%, with SBI Cards' 1-year return at 29.78% being significantly higher than Jio Financial's. Additionally, Jio Financial and M & M Fin. Serv. have negative six-month returns.

Is SBI Cards overvalued or undervalued?

As of January 2, 2025, SBI Cards & Payment Services Ltd. is considered very expensive and overvalued, with a PE ratio of 49.31 and a PEG ratio of 0.00, indicating it trades at a significant premium compared to its peers and has underperformed the Sensex in the long term despite short-term gains.

As of 2 January 2025, the valuation grade for SBI Cards & Payment Services Ltd. has moved from expensive to very expensive. The company is currently overvalued based on its financial ratios, which include a PE ratio of 49.31, a Price to Book Value of 7.22, and an EV to EBITDA ratio of 25.45. These figures indicate that the stock is trading at a significant premium compared to its earnings and book value.<BR><BR>In comparison to its peers, SBI Cards stands out with a PE ratio of 49.31, while other companies in the sector may have lower ratios, suggesting that SBI Cards is priced higher than its competitors. Notably, the PEG ratio is 0.00, which further emphasizes the lack of growth relative to its current price. Additionally, while the stock has outperformed the Sensex in the short term, with a year-to-date return of 51.74% compared to the Sensex's 5.58%, the long-term performance shows a stark contrast, with a 5-year return of 64.8% against the Sensex's 142.96%. This disparity reinforces the notion that the stock may be overvalued at its current price.

What does SBI Cards do?

SBI Cards & Payment Services Ltd issues credit cards and operates as a Large Cap company in the NBFC sector. As of March 2025, it reported net sales of ₹46,740 Cr and a net profit of ₹5,342 Cr.

Overview: <BR>SBI Cards & Payment Services Ltd is engaged in issuing credit cards to consumers and operates within the Non Banking Financial Company (NBFC) sector, classified as a Large Cap company.<BR><BR>History: <BR>The company was incorporated in 1998 as "SBI Cards and Payment Services Private Limited" and transitioned to a public limited company on August 20, 2019. The latest quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 46,740 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 5,342 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 84,891 Cr (Large Cap)<BR><BR>Key Metrics: <BR>P/E: 45.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.28% <BR>Debt-Equity: 3.30 <BR>Return on Equity: 14.64% <BR>Price-to-Book: 6.50 <BR><BR>Contact Details: <BR>No Company Details Available <BR>Registrar Address: Not available.

Who are the top shareholders of the SBI Cards?

The top shareholders of SBI Cards include the State Bank of India with a 68.6% stake, Life Insurance Corporation of India - P & Gs Fund at 6.12%, mutual funds holding 9.66%, and foreign institutional investors at 9.88%. There are no pledged promoter holdings reported.

The top shareholders of SBI Cards include the State Bank of India, which holds a significant 68.6% stake as the largest promoter. Other notable shareholders are Life Insurance Corporation of India - P & Gs Fund, with a 6.12% stake, and individual investors who collectively hold 3.81%. Additionally, mutual funds account for 9.66% of the shares, while foreign institutional investors (FIIs) hold 9.88%. There are no pledged promoter holdings reported.

How big is SBI Cards?

As of 24th July, SBI Cards & Payment Services Ltd has a market capitalization of 85,124.00 Cr, with recent net sales of 18,072.32 Cr and a net profit of 1,916.28 Cr. Shareholder's funds are 12,084.03 Cr and total assets are valued at 57,816.62 Cr as of March 2024.

As of 24th July, SBI Cards & Payment Services Ltd has a market capitalization of 85,124.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, SBI Cards reported Net Sales of 18,072.32 Cr and a Net Profit of 1,916.28 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, with Shareholder's Funds amounting to 12,084.03 Cr and Total Assets valued at 57,816.62 Cr.

Is SBI Cards technically bullish or bearish?

As of November 18, 2025, the trend is mildly bullish due to daily moving averages and Bollinger Bands, but mixed signals from the MACD and Dow Theory suggest caution.

As of 18 November 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, primarily driven by daily moving averages indicating mild bullishness and Bollinger Bands showing a mildly bullish trend on both weekly and monthly time frames. However, the MACD on both weekly and monthly charts is mildly bearish, which tempers the overall bullish sentiment. The KST remains bullish on both time frames, providing some support to the mildly bullish outlook. The Dow Theory indicates a mildly bearish stance on the weekly chart, adding to the mixed signals. Overall, while there are bullish indicators, the presence of bearish signals suggests caution.

How has been the historical performance of SBI Cards?

SBI Cards has shown consistent growth in net sales, increasing from ₹6,999.11 Cr in Mar'19 to ₹18,072.22 Cr in Mar'25, but recent profitability metrics have declined, with profit after tax dropping from ₹2,407.88 Cr in Mar'24 to ₹1,916.41 Cr in Mar'25. Despite rising liabilities, the book value per share improved from ₹56.88 in Mar'20 to ₹144.86 in Mar'25, indicating a stronger equity position.

Answer:<BR>The historical performance of SBI Cards shows a consistent growth trajectory in net sales and profit metrics over the years.<BR><BR>Breakdown:<BR>SBI Cards has demonstrated significant growth in net sales, increasing from 6,999.11 Cr in Mar'19 to 18,072.22 Cr in Mar'25. The total operating income has followed a similar trend, rising from 6,999.11 Cr in Mar'19 to 18,072.22 Cr in Mar'25. Operating profit (PBDIT) peaked at 3,428.55 Cr in Mar'24 before declining to 2,727.50 Cr in Mar'25, while profit before tax also saw a decrease from 3,231.80 Cr in Mar'24 to 2,580.68 Cr in Mar'25. Profit after tax followed suit, dropping from 2,407.88 Cr in Mar'24 to 1,916.41 Cr in Mar'25. The company's total liabilities increased significantly from 25,031.58 Cr in Mar'20 to 65,103.02 Cr in Mar'25, indicating a rise in debt levels, which reached 44,946.61 Cr in Mar'25. Despite these increases in liabilities, the book value per share improved from 56.88 in Mar'20 to 144.86 in Mar'25, reflecting a strengthening equity position. Cash flow from operating activities remained negative, with a notable outflow of 2,140.00 Cr in Mar'25, although the net cash inflow for the year was positive at 55.00 Cr, indicating some liquidity resilience. Overall, SBI Cards has shown robust growth in sales and assets, although profitability metrics have faced recent challenges.

When is the next results date for SBI Cards & Payment Services Ltd?

The next results date for SBI Cards & Payment Services Ltd is January 28, 2026.

The next results date for SBI Cards & Payment Services Ltd is scheduled for January 28, 2026.

Are SBI Cards & Payment Services Ltd latest results good or bad?

SBI Cards & Payment Services Ltd's latest results show strong profit growth, with a net profit of ₹556.64 crores, up 25.18% quarter-on-quarter and 45.25% year-on-year, and revenue growth of 11.01%. However, concerns about declining operating margins and a high debt-to-equity ratio indicate significant challenges ahead.

The latest results for SBI Cards & Payment Services Ltd present a mixed picture. On the positive side, the company reported a net profit of ₹556.64 crores for the December quarter, which is a significant increase of 25.18% quarter-on-quarter and 45.25% year-on-year. Revenue also grew by 11.01% year-on-year, reaching ₹5,127.26 crores, indicating strong demand for credit cards.<BR><BR>However, there are notable concerns regarding operating margins, which have eroded compared to historical averages. The operating margin, excluding other income, stood at 26.17%, down from 34.22% a year ago, reflecting ongoing pressure on core profitability. Additionally, the company's debt-to-equity ratio is quite high at 3.33x, raising concerns about financial flexibility and sensitivity to interest rate movements.<BR><BR>Overall, while the revenue and profit growth are encouraging, the margin compression and high leverage present significant challenges. This combination suggests that while there are positive aspects to the results, the company is facing considerable headwinds that could impact its future performance.

Should I buy, sell or hold SBI Cards & Payment Services Ltd?

Why is SBI Cards & Payment Services Ltd falling/rising?

As of 31-Jan, SBI Cards & Payment Services Ltd is facing a stock price decline to 752.45, down 2.27%, with significant underperformance over various periods and concerning financial metrics, including a high debt-equity ratio. Despite some long-term strengths, the stock's bearish trend and negative returns overshadow these positives.

As of 31-Jan, SBI Cards & Payment Services Ltd is experiencing a decline in its stock price, currently at 752.45, which reflects a change of -17.45 (-2.27%). The stock has been underperforming significantly, with a consecutive fall over the last two days resulting in a total decline of -3.81%. Additionally, the stock has underperformed its sector by -1.62% today.<BR><BR>In terms of broader performance metrics, the stock has shown negative returns over various periods, including a -10.71% drop over the past month and a -12.68% decline year-to-date. This contrasts sharply with the Sensex, which has seen positive returns of +0.90% over the past week and +7.18% over the past year. The stock's performance is further compounded by its trading below all key moving averages, indicating a bearish trend.<BR><BR>Moreover, the company's financial health is concerning, highlighted by a high debt-equity ratio of 3.33 times and an expensive valuation with a price-to-book value of 4.8, which is above its peers. Although there is strong long-term fundamental strength indicated by an average return on equity (ROE) of 18.56% and healthy operating profit growth, these positives are overshadowed by the stock's recent flat results and underperformance in both the near and long term.<BR><BR>Overall, the combination of negative price movements, poor relative performance against benchmarks, and financial concerns contribute to the ongoing decline in the stock price of SBI Cards & Payment Services Ltd.

Which are the latest news on SBI Cards?