Why did SBI Cards and Payment Services (SBICARD) stock move recently?

On 7/27/2026, SBI Cards and Payment Services moved +4.2% — SBI Cards rose after reporting strong Q1 FY27 results with ~20% YoY net profit growth to ₹664 crore, driven by lower provisions, sharply improved asset quality, and record card spends of ₹1.18 lakh crore, plus a CLSA upgrade. This is MarketChacha's decoded reason from filings and credible news; it is education, not buy/sell advice.

Is SBI Cards and Payment Services (SBICARD) overvalued or fairly valued?

MarketChacha shows SBI Cards and Payment Services's valuation in context — a forward P/E of about 16.0, a price-to-book of about 3.4 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is SBI Cards and Payment Services's revenue?

SBI Cards and Payment Services reported revenue of ₹19,900 Cr for FY2026, with net profit of ₹2,167 Cr, per official filings.

What is the share price of SBI Cards and Payment Services (SBICARD)?

SBI Cards and Payment Services last traded at ₹567.40 (+0.6% on the day), as of 10/19/2026 — a delayed quote shown for education, not investment advice.

SBI Cards and Payment Services

SBICARD · NSE · NBFC/Cards · India

Snapshot

TickerSBICARD

ExchangeNSE

SectorNBFC/Cards

IndustryCredit Services

CountryIndia

Employees4,218

HeadquartersGurugram, India

Websitewww.sbicard.com

Filings tracked13

About SBI Cards and Payment Services

SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate, central travel, utility, and corporate purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited operates as a subsidiary of State Bank of India.

Who owns it

Promoters68.6%
Institutions25.2%
Public & other6.2%

135 institutional holders

Ownership breakdown from public market data. Promoter pledge is not included here — that comes from exchange shareholding filings.

Forensic scorecard

Margin has compressed by about 5.6 points over the period — profitability is trending down.

Net margin trend17.9% → 12.3%

Margin has compressed by about 5.6 points over the period — profitability is trending down.

Growth qualityrev 9% · PAT -1%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (Yahoo Finance). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev ₹4,780 Cr · EPS 7.18

Est. earnings growth +22.7%

Next fiscal year

Rev ₹21,073 Cr · EPS 35.63

Est. earnings growth +18.7%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 5

Revenue (FY2026)

₹17,633 Cr

Net margin

12.3%

Revenue CAGR (3y)

+11.7%

Profit CAGR (3y)

-1.4%

Net profit (FY2026)

₹2,167 Cr

Ask MarketChacha about SBICARD

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Why it moved

Jul 27, 2026
SBI Cards rose after reporting strong Q1 FY27 results with ~20% YoY net profit growth to ₹664 crore, driven by lower provisions, sharply improved asset quality, and record card spends of ₹1.18 lakh crore, plus a CLSA upgrade.
source 1 ↗source 2 ↗source 3 ↗· confidence: high

Daily moves with the verified reason behind them. Education only — not investment advice.

On MarketChacha

Posts about SBICARD

State Bank of India: what their Q1 FY27 results filing actually meansc/india-daily · 8/7/2026 · 1 comment▲ 1

Financials

Yearly

Period	Revenue	Net profit	Net margin
FY2026	₹17,633 Cr	₹2,167 Cr	12.3%
FY2025	₹15,456 Cr	₹1,916 Cr	12.4%
FY2024	₹14,888 Cr	₹2,408 Cr	16.2%
FY2023	₹12,638 Cr	₹2,258 Cr	17.9%

Quarterly

Period	Revenue	Net profit	Net margin
Q1 FY27	₹4,460 Cr	₹664 Cr	14.9%
Q4 FY26	₹4,473 Cr	₹609 Cr	13.6%
Q3 FY26	₹4,566 Cr	₹557 Cr	12.2%
Q2 FY26	₹4,376 Cr	₹445 Cr	10.2%
Q1 FY26	₹4,223 Cr	₹556 Cr	13.2%

Figures as reported, in ₹ (crore). Source: Yahoo Finance.

Filings & announcements

2026

Appointment of Statutory Auditor/s
Appointment of M/s. V.K. Dhingra & Co. and M/s. S.P. Chopra & Co., Chartered Accountants, as the Joint Statutory Auditors of the Company for the Financial Year 2026-27 w.e.f. September 22, 2026
BSE9/22/2026
Code of Conduct under SEBI (PIT) Regulations, 2015
Intimation under SEBI (Prohibition of Insider trading Regulations), 2015
BSE9/21/2026
Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015 -ESG Rating
Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 -ESG Rating
BSE9/18/2026
Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015 -ESG Rating
Intimation under regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 -ESG Rating
BSE9/5/2026
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
Voting Results of the 28th Annual General Meeting held on August 31, 2026 and the Consolidated Scrutinizer''''s Report.
BSE8/31/2026material
Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015 - Letter Dispatched To The Shareholders/Debenture Holders Of The Company
A Letter dispatched to the Shareholders/Debenture holders of the Company containing the weblink along with Quick Response Code and the exact path of the website where the Integrated Annual ....
BSE8/3/2026
Notice Of The 28Th Annual General Meeting Of The Company Scheduled To Be Held On August 31, 2026
Notice of the 28th Annual General Meeting of the Company scheduled to be held on August 31, 2026
BSE8/3/2026material
Business Responsibility and Sustainability Reporting (BRSR)
Business Responsibility and Sustainability Report for FY 2025-26 along with the Independent Reasonable Assurance Statement on BRSR Core
BSE8/3/2026
Reg. 34 (1) Annual Report.
Integrated Annual Report of the Company for the Financial Year 2025-26 along with Notice of 28th Annual General Meeting scheduled to be held on Monday, August 31, 2026
BSE8/3/2026
Press Release / Media Release
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release
BSE7/24/2026
Investor Presentation
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Investor Presentation for Q1 FY'27
BSE7/24/2026
Unaudited Financial Results Of The Company For The Quarter Ended June 30, 2026
Unaudited Financial Results of the Company for the quarter ended June 30, 2026 along with the disclosures in accordance with Regulation 52(4) of the SEBI (Listing Obligations and Disclosure ....
BSE7/24/2026
Board Meeting Outcome for Outcome Of Board Meeting Held On July 24, 2026 - Unaudited Financial Results Of The Company For The Quarter Ended June 30, 2026
Outcome of Board Meeting held on July 24, 2026 - Unaudited Financial Results of the Company for the quarter ended June 30, 2026
BSE7/24/2026

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.