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 17.8, a price-to-book of about 3.9 — 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 ₹17,633 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 ₹640.60 (-0.7% on the day), as of 7/21/2026 — a delayed quote shown for education, not investment advice.

SBI Cards and Payment Services

SBICARD · NSE · NBFC/Cards · India

₹640.60-0.7%

Delayed · as reported by Yahoo Finance · as of Jul 21, 2026, 5:38 AM

Snapshot

TickerSBICARD

ExchangeNSE

SectorNBFC/Cards

IndustryCredit Services

CountryIndia

HeadquartersGurugram, India

Market cap₹61,374 Cr

P/B3.9

Volume5.32L

Websitewww.sbicard.com

Filings tracked0

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.

Profile as reported by Yahoo Finance.

Who owns it

Promoters68.6%
Institutions24.8%
Public & other6.6%

141 institutional holders

As reported by Yahoo Finance. 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 12% · 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 ₹4,670 Cr · EPS 6.81

Est. earnings growth +45.8%

Next fiscal year

Rev ₹21,394 Cr · EPS 36.24

Est. earnings growth +19.2%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

₹565.4552-wk range₹965.00

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 4

Market cap

₹61,374 Cr

Day change

-0.7%

Fwd P/E

17.8

P/B

3.9

Div yield

0.38%

Beta

0.24

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

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about SBICARD

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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
2026Q1	₹4,473 Cr	₹609 Cr	13.6%
2025Q4	₹4,566 Cr	₹557 Cr	12.2%
2025Q3	₹4,376 Cr	₹445 Cr	10.2%
2025Q2	₹4,223 Cr	₹556 Cr	13.2%

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

In the news

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