| SBI Cards & Payment Services Ltd | Industry : (Finance) | |
|---|---|---|
|
BSE Code : 543066 |
NSE Symbol : SBICARD |
P/E(TTM) : 43.92 |
|
ISIN Demat : INE018E01016 |
Div & Yield% : 0.28 |
EPS(TTM) : 20.16 |
|
Book Value(₹) : 155.42 |
Market Cap(₹Cr) : 84,250.02 |
Face Value(₹) : 10.00 |
| Particulars | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|
| Operating Income | 4,960.98 | 4,876.92 | 4,673.95 | 4,618.69 | 4,421.04 | 4,358.64 |
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Income | 175.50 | 158.47 | 157.79 | 147.87 | 134.78 | 123.95 |
| Total Income | 5,136.48 | 5,035.39 | 4,831.74 | 4,766.56 | 4,555.82 | 4,482.59 |
| Interest | 760.07 | 812.82 | 795.26 | 828.64 | 787.68 | 766.83 |
| Employee Expenses | 157.62 | 161.42 | 154.25 | 152.28 | 148.77 | 134.13 |
| Selling & Administrative Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Impairment of Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loss on Forex Transaction | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | 2,291.29 | 1,926.21 | 1,920.27 | 1,906.11 | 1,811.77 | 1,632.46 |
| TOTAL OPERATING EXPENDITURE | 3,208.98 | 2,900.45 | 2,869.78 | 2,887.03 | 2,748.22 | 2,533.42 |
| Operating Profit Before Prov. & Cont. | 1,927.50 | 2,134.94 | 1,961.96 | 1,879.53 | 1,807.60 | 1,949.17 |
| Provisions & Write Offs | 1,292.72 | 1,351.55 | 1,245.12 | 1,313.14 | 1,212.04 | 1,100.63 |
| Depreciation | 35.01 | 35.03 | -1.69 | 48.76 | 50.35 | 49.37 |
| TOTAL EXPENDITURE | 4,536.71 | 4,287.03 | 4,113.21 | 4,248.93 | 4,010.61 | 3,683.42 |
| Tax | 177.98 | 210.35 | 165.10 | 160.47 | 200.57 | 227.10 |
| Fringe Benefit Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax | -22.98 | -17.95 | 19.25 | -26.07 | -59.78 | -22.38 |
| Reported Profit After Tax | 444.77 | 555.96 | 534.18 | 383.23 | 404.42 | 594.45 |
| Extra-ordinary Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Adjusted Profit After Extra-ordinary item | 444.77 | 555.96 | 534.18 | 383.23 | 404.42 | 594.45 |
| EPS (Unit Curr.) | 4.67 | 5.84 | 5.62 | 4.03 | 4.25 | 6.25 |
| EPS (Adj) (Unit Curr.) | 4.67 | 5.84 | 5.62 | 4.03 | 4.25 | 6.25 |
| Calculated EPS (Unit Curr.) | 4.67 | 5.84 | 5.61 | 4.03 | 4.25 | 6.25 |
| Calculated EPS (Adj) (Unit Curr.) | 4.67 | 5.84 | 5.61 | 4.03 | 4.25 | 6.25 |
| Calculated EPS (Ann.) (Unit Curr.) | 18.70 | 23.37 | 22.46 | 16.11 | 17.01 | 25.00 |
| Calculated EPS (Adj) (Ann.) (Unit Curr.) | 18.70 | 23.37 | 22.46 | 16.11 | 17.01 | 25.00 |
| Book Value (Unit Curr.) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend (%) | 0.00 | 0.00 | 0.00 | 25.00 | 0.00 | 0.00 |
| Equity | 951.55 | 951.53 | 951.36 | 951.35 | 951.27 | 951.05 |
| Reserve & Surplus | 13,837.73 | 0.00 | 12,830.36 | 12,524.42 | 12,138.36 | 0.00 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Public Shareholding (No. Of Shares) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public Shareholding (% in Equity) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PBIDTM(%) | 28.12 | 32.73 | 32.35 | 30.20 | 31.29 | 37.06 |
| PBDTM(%) | 12.80 | 16.06 | 15.34 | 12.26 | 13.47 | 19.47 |
| PATM(%) | 8.97 | 11.40 | 11.43 | 8.30 | 9.15 | 13.64 |
| Net Interest Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1,816.00 |
| Loan Losses & Provision | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Assets Under Management | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on Equity(%) | 12.10 | 15.80 | 15.50 | 11.50 | 12.50 | 19.10 |
| Operating Expenses to Net Interest Income(%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cost to Income Ratio | 56.80 | 50.30 | 51.40 | 53.50 | 53.40 | 48.90 |
| Loan Loss Provision Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loans Spreads(%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Interest Margin(%) | 11.20 | 11.20 | 11.20 | 10.60 | 10.60 | 10.90 |
| Provision Coverage Ratio(%) | 55.40 | 54.35 | 53.46 | 64.35 | 64.35 | 64.40 |
| Capital Adequacy Ratio | 22.50 | 23.20 | 22.85 | 22.90 | 22.13 | 20.60 |
| Tier I Capital | 17.50 | 17.90 | 17.50 | 17.00 | 16.30 | 16.80 |
| Tier II Capital | 5.00 | 5.30 | 5.35 | 5.90 | 5.83 | 3.80 |
| Gross Non Performing Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Non Performing Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| (%) Gross Non Performing Assets | 2.85 | 3.07 | 3.08 | 3.24 | 3.27 | 3.06 |
| (%) Net Non Performing Assets | 1.29 | 1.42 | 1.46 | 1.18 | 1.19 | 1.11 |
| Return on Assets(Annualised) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on Assets | 2.60 | 3.40 | 3.40 | 2.40 | 2.70 | 4.10 |
| Loans Disbursed(Amt Rs cr) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loans Sanctioned/Approved(Amt Rs cr) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan Book(Amt Rs cr) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |