NSE ScannerNBFC & Lending · Finance/Rental/Leasing · NSE: SBICARD · data 2026-10-31
SBI Cards & Payment Services Ltd
In plain words
Price: 42.1% below its 52-week high of ₹906.4.
Delivery: 43.1% of traded shares were kept for delivery over the last 10 sessions, against 51.2% over the last 60.
Latest results: a net profit of ₹778 cr for the quarter ended Sept 2026.
A description of the data, not a recommendation.
Key figures
Growth
| Revenue (last 12 months) | ₹21,047 cr |
| Net profit (last 12 months) | ₹2,608 cr |
| Sales growth, 3 years (yearly) | 13.3% |
| Profit growth, 3 years (yearly) | -1.4% |
At a glance
Promoters 68.9%, pledged 0.0%, institutions 27.1%.
P/E 19.2, P/B 2.9, dividend yield 0.5%. Price relative to earnings and book value (low is cheaper, not better).
ROE 14.7%, operating margin 36.1%: how much profit it earns on the money it uses.
Profit growth -1.4% and sales growth 13.3% a year over 3 years.
Ratings use fixed thresholds on the latest reported figures. They describe the numbers and are not a recommendation.
Strengths and limitations
None flagged by these rules.
- Profit fell 1.4% a year over 3 years.
Picked automatically from the latest reported figures with fixed rules; check the company's filings before relying on them.
Latest results in brief (Q2 FY27)
Quarter: Q2 FY27
Revenue: Rs 5140.5 crore (QoQ +2%)
Net profit: Rs 777.6 crore (QoQ +17%)
Operating margin: 33.2%
EPS: Rs 8.2 (QoQ +17%)
Quarter: Q2 FY27
Revenue: Rs 5140.5 करोड़ (QoQ +2%)
Net profit: Rs 777.6 करोड़ (QoQ +17%)
Operating margin: 33.2%
EPS: Rs 8.2 (QoQ +17%)
Quarter: Q2 FY27
Revenue: Rs 5140.5 કરોડ (QoQ +2%)
Net profit: Rs 777.6 કરોડ (QoQ +17%)
Operating margin: 33.2%
EPS: Rs 8.2 (QoQ +17%)
Written by AI from the filed numbers and checked against them. Not a recommendation.
Smart-money activity
20/100 · Weak over the last ~60 sessions, data 2026-10-30
- Delivery vs usual 0/30: Delivery 41.9% over the last 20 sessions vs 63.3% in the 40 before (0.66x); shares delivered per day 0.29x usual; 0 delivery-spike days (3x usual shares delivered, 40%+ delivery) in the last 20 sessions.
- Bulk/block deals 0/20: No bulk or block deals in the last 90 days.
- Insider / SAST buys 6/15: 0 insider buy days (promoter group among them) and 1 SAST acquisition day in 90 days. Insider sells are not collected by the site, so only buy filings count.
- Mutual fund holding 9/15: 8 schemes hold it, about ₹1,384 cr in all (as of 2026-09-30). Latest monthly portfolios only (top 60 holdings per scheme); month-on-month change is not stored.
- Accumulation evidence 0/15: No accumulation evidence row (only saved-scan stocks have one; 0 points).
- Promoter pledges 5/5: No promoter pledge filings in 90 days.
A description of recorded activity (delivery, deals, insider buys, fund holding, pledges), not a recommendation. Today's most active stocks.
Story so far
● Results ● Insider ● Dividend
- 23 Oct 26Results Q2 FY27 results: net profit ₹777.6 cr -4.9% next session
- 27 Aug 26Insider SAST disclosure: ICICI Prudential Mutual Fund acquired 2,01,71,877 shares -2.9% next session
- 24 Jul 26Results Q1 FY27 results: profit +19.5% YoY +3.7% next session
- 11 Mar 26Dividend Dividend ₹2.5 (ex-date) -0.8% next session
- 25 Jul 25Results Q1 FY26 results: net profit ₹556 cr -5.5% next session
- 25 Feb 25Dividend Dividend ₹2.5 (ex-date) +2.1% next session
From official exchange filings and NSE data. How the price moved after an event describes the past, not what comes next.
Quarterly results (standalone)
| Quarter | Revenue | Net profit | Profit YoY | Op. margin | EPS ₹ |
|---|---|---|---|---|---|
| Sept 2026 | ₹5,141 cr | ₹778 cr | — | 33.2% | 8.17 |
| Jun 2026 | ₹5,041 cr | ₹664 cr | +19.5% | 29.8% | 6.98 |
| Jun 2025 | ₹4,877 cr | ₹556 cr | — | 29.5% | 5.84 |
| Dec 2023 | ₹4,622 cr | ₹549 cr | +7.8% | 29.5% | 5.78 |
Shareholding trend
| Holder | Jun 2026 |
|---|---|
| Promoters | 68.86% |
| Foreign institutions (FII) | 8.99% |
| Domestic institutions (DII) | 18.13% |
| Mutual funds | 10.80% |
| Retail investors | 3.14% |
| Number of shareholders | 7,29,862 |
Common questions
What was SBI Cards & Payment Services Ltd's latest quarterly profit?
SBI Cards & Payment Services Ltd reported a net profit of ₹778 cr for the quarter ended Sept 2026, on revenue of ₹5,141 cr.
How much do promoters hold in SBI Cards & Payment Services Ltd?
Promoters held 68.86% of SBI Cards & Payment Services Ltd at the end of Jun 2026, with 0.00% of promoter shares pledged.
Is SBI Cards & Payment Services Ltd debt-free?
Its latest reported debt-to-equity ratio is 2.81, meaning borrowings are larger than shareholders' equity.
What is SBI Cards & Payment Services Ltd's P/E ratio?
About 19.2, based on the last 12 months' earnings and a price of ₹525 (data 2026-10-31).
What is the 52-week high and low of SBI Cards & Payment Services Ltd?
The 52-week high is ₹906.4 and the 52-week low is ₹519.05.
Mutual funds holding SBI Cards & Payment Services Ltd
From the monthly portfolios of the fund houses the site reads, as of 2026-09-30. 8 schemes holding about ₹1,384 cr; funds that hold it outside their top holdings may not be listed.
| Scheme | Fund house | % of fund | Value |
|---|---|---|---|
| Nippon India Multi Cap Fund | Nippon India Mutual Fund | 0.70% | ₹376 cr |
| Nippon India Focused Fund | Nippon India Mutual Fund | 3.35% | ₹271 cr |
| NIPPON INDIA LARGE CAP FUND | Nippon India Mutual Fund | 0.49% | ₹251 cr |
| NIPPON INDIA BANKING & FINANCIAL SERVICES FUND | Nippon India Mutual Fund | 3.36% | ₹248 cr |
| SBI PSU Fund | SBI Mutual Fund | 2.31% | ₹147 cr |
| SBI Banking And Financial Services Fund | SBI Mutual Fund | 0.86% | ₹90 cr |
| Mirae Asset Nifty Financial Services ETF | Mirae Asset Mutual Fund | 0.58% | ₹2 cr |
| Nippon India Nifty 500 Low Volatility 50 Index Fund | Nippon India Mutual Fund | 0.39% | ₹0 cr |
Compared with similar companies
| Company | Price | Market cap | P/E | P/B | ROE | ROCE | Debt/eq. | 1-yr return |
|---|---|---|---|---|---|---|---|---|
| SBI Cards & Payment Services Ltd | ₹525 | ₹50,104 cr | 19.2 | 2.9 | 14.7% | — | 2.81 | -42.4% |
| L&T Finance Ltd | ₹244.4 | ₹61,282 cr | 17.9 | 2.1 | 11.1% | — | 3.94 | -8.8% |
| Piramal Finance Limited | ₹1,817 | ₹57,100 cr | 21.8 | 1.3 | 6.7% | — | 2.85 | +44.2% |
| Sundaram Finance Limited | ₹3,941 | ₹43,750 cr | 19.6 | — | 14.7% | — | 4.09 | -15.1% |
| HDB Financial Services Limited | ₹498.55 | ₹41,419 cr | 14 | 1.9 | 13.9% | — | 4.84 | -32.2% |
| Poonawalla Fincorp Limited | ₹461.7 | ₹40,710 cr | 36.1 | 2.9 | 5.9% | — | 4.68 | -5.4% |
Compare SBICARD with LTF in detail →
The full analysis has the price chart, every quarterly result with YoY/QoQ growth, the balance sheet and cash flow with an accounting red-flag check, shareholding quarter by quarter with big investors, news, filings and bulk/block deals.
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