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SBI Cards And Payment Services Ltd.

585.10-19.3 (-3.19%)
8 Jul, 12:00 AM

Income Statement

Abridged
Understanding Income Statement
SBI Cards And Payment Services Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.
2017
Mar 31
2018
Mar 31
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
Period length:
Source:
12M
PR
12M
PR
12M
PR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
PRESS
Total Revenue
3,3475,1886,8898,5578,5449,65212,29215,32017,43918,687
Cost of Operating Revenue
511592442661488493581512536-
Total Operating Expenses
2,7584,1525,1265,7666,4607,0678,23210,03212,22513,510
Operating Profit
5891,0351,7632,7912,0842,5864,0605,2895,2145,177
Operating Margin
17.620.025.632.624.426.833.034.529.927.7
Financing Income/(Expense) - Net
-17-113-432-572-469-486-952-2,063-2,640-3,072
Profit before Taxes
5729191,3321,7301,3242,1723,0313,2322,5812,913
Income Taxes
199318469485339556772824664746
Profit after Tax
3736018631,2459851,6162,2582,4081,9162,167
PAT Margin
11.111.612.514.511.516.718.415.711.011.6
EPS - Basic - ex Extraordinary Items
3.976.409.1913.2110.4817.1623.9225.3920.1522.77
EPS - Diluted - ex Extraordinary Items
3.976.409.1913.2110.3817.0223.8025.3720.1322.77
EBIT
5891,0351,7632,7912,0842,5864,0605,2895,2145,177
EBITDA
5941,0601,8442,8952,2072,7344,2245,4855,3615,313
EBITDA Margin
17.720.426.833.825.828.334.435.830.728.4

Balance Sheet

Abridged
Understanding Balance Sheet
SBI Cards And Payment Services Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.
2017
Mar 31
2018
Mar 31
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
Source:
PR
PR
PR
AR
AR
AR
AR
AR
AR
PRESS
Property Plant & Equipment - Net
24211226244219324454438227158
Total Assets
10,76515,68620,24025,30327,01334,64845,54658,17165,54666,328
Long Term Debt
5201,6893,2423,1184,8016,5958,6349,95910,90744,064
Total Liabilities
9,31613,33316,65819,96220,71126,89635,71646,08751,76450,602
Total Shareholders' Equity
1,4492,3533,5825,3416,3027,7539,83012,08413,78215,726
Total Equity
1,4492,3533,5825,3416,3027,7539,83012,08413,78215,726
Total Liabilities & Equity
10,76515,68620,24025,30327,01334,64845,54658,17165,54666,328

Cash Flow

Abridged
Understanding Cash Flow Statement
SBI Cards And Payment Services Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.
2017
Mar 31
2018
Mar 31
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
C
2024
Mar 31
2025
Mar 31
2026
Mar 31
Period length:
Source:
12M
PR
12M
PR
12M
PR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
PRESS
Operating CF bef Changes in Working Cap
7931,5022,2053,0413,6264,2304,65212,74215,02916,103
Working Capital - Increase/(Decrease)
-3,028-4,376-4,548-7,104-2,933-8,621-11,323-18,193-16,911-14,955
Net CF from Operating Activities
-2,235-2,874-2,344-4,063692-4,391-6,671-5,451-1,8821,147
Capital Expenditures - Net
13593785710093745534
Net CF from Investing Activities
-1-35-94-77-997-538-921-1,457-2,749-409
Dividends Paid - Cash - Total
---10194-213363287217
Stock - Issuance/(Retirement) - Net
--4704942737447463
Debt - LT & ST - Issuance/(Retirement) - Total
2,3433,0442,3063,5294985,0077,9928,6894,968-959
Net Cash Flow from Financing Activities
2,2442,9352,7413,9224325,0457,8248,4014,687-1,172
Free Cash Flow to Equity
107134-130-6121,1345161,2293,1643,031155
Free Operating CF net dividend
-2,236-2,909-2,436-4,242542-4,491-6,977-5,888-2,225897
Free Operating CF
-2,236-2,909-2,436-4,141635-4,491-6,764-5,525-1,9381,114

Business Segment Analysis

FY End:
Mar 25

SBI Cards And Payment Services Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex
Total₹ 56Cr
Credit Cards (100.0%)₹ 55.76 Cr
Revenue / Sales
Total₹ 17,439Cr
Credit Cards (100.0%)₹ 17,438.98 Cr
Assets
Total₹ 65,546Cr
Credit Cards (100.0%)₹ 65,545.80 Cr
Operating Income
Total₹ 5,214Cr
Credit Cards (100.0%)₹ 5,214.16 Cr

Regional Segment Analysis

FY End:
Mar 25

SBI Cards And Payment Services Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales
Total₹ 17,439Cr
India (100.0%)₹ 17,438.98 Cr
Assets
Total₹ 65,546Cr
India (100.0%)₹ 65,545.80 Cr

Historical Segment Analysis

Track how SBI Cards And Payment Services Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Business
2017
Mar 31
2018
Mar 31
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
Credit Cards236937857100937456

Frequently Asked Questions

What is the revenue of SBI Cards And Payment Services Ltd.?
The latest trailing twelve month revenue of SBI Cards And Payment Services Ltd. is ₹ 18,686.80 Cr, reflecting a 1-year growth of 7.16% and a 3-year CAGR of 14.98%. Annual and quarterly revenue trends are available in the Income Statement section.
What is the net profit of SBI Cards And Payment Services Ltd.?
The latest trailing twelve month net profit (PAT) of SBI Cards And Payment Services Ltd. is ₹ 2,166.71 Cr, with a 3-year earnings CAGR of -1.46%. Detailed profit history across annual and quarterly periods is in the Income Statement section.
What is the EBITDA of SBI Cards And Payment Services Ltd.?
The trailing twelve month EBITDA of SBI Cards And Payment Services Ltd. is approximately ₹ 5,176.79 Cr (based on an operating margin of 27.70%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.
What is the EPS of SBI Cards And Payment Services Ltd.?
The trailing twelve month Earnings Per Share (EPS) of SBI Cards And Payment Services Ltd. is 22.77. EPS trends across annual and quarterly periods are visible in the Income Statement section.
What is the debt level of SBI Cards And Payment Services Ltd.?
The debt-to-equity ratio of SBI Cards And Payment Services Ltd. stands at 2.80. The interest coverage ratio is 1.69x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.
What is the book value per share of SBI Cards And Payment Services Ltd.?
The estimated book value per share of SBI Cards And Payment Services Ltd. is 165.25 (derived from a P/B ratio of 3.54 and market price of ₹ 585.10), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.
What is the cash flow from operations of SBI Cards And Payment Services Ltd.?
The trailing twelve month operating cash flow of SBI Cards And Payment Services Ltd. is ₹ 1,147.47 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.
Does SBI Cards And Payment Services Ltd. report consolidated or standalone financials?
SBI Cards And Payment Services Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.