profit from every ₹100 of sales.
₹0₹100
SBI Cards and Payment Services
₹578.30-1.98% today
-31.8% in 1 year
1-year low ₹525.001-year high ₹901.55
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹25.40 for every ₹1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What SBI Cards and Payment Services sold, what it kept, and what it did with the cash.
Sales went from ₹107 billion in 2023 to ₹164 billion in 2026, with ₹21.7 billion of profit last year.
SalesProfit
SBI Cards and Payment Services handed back 47% of the cash it generated last year.
₹2.2B
Free cash flow 2026₹4.6B
Bought back its own shares–
Paid as dividends₹2.2B
Cash vs. debt₹23.2B vs. ₹440.6B
SBI Cards and Payment Services vs. similar companies
SBI Cards and Payment Services grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| SBI Cards and Payment Services | 25.4× · Fair price | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads SBI Cards and Payment Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 106,776 | 127,512 | 148,255 | 164,232 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 22,585 | 24,079 | 19,164 | 21,667 | |
| 23.80 | 25.37 | 20.14 | 22.77 | |
| – | – | – | – | |
| – | – | – | – | |
| 21.2% | 18.9% | 12.9% | 13.2% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 455,456 | 581,712 | 655,458 | 663,278 |
| Cash | 10,160 | 25,084 | 25,599 | 23,198 |
| Total debt | 315,311 | 403,147 | 451,707 | 440,637 |
| Total liabilities | 357,155 | 460,872 | 517,641 | 506,023 |
| 98,301 | 120,840 | 137,817 | 157,255 | |
| 949 | 949 | 952 | 952 | |
| – | – | – | – | |
| 23.0% | 19.9% | 13.9% | 13.8% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -66,705 | -56,534 | -21,405 | 4,930 | |
| 934 | 745 | 558 | 336 | |
| -67,639 | -57,279 | -21,962 | 4,594 | |
| Dividends paid | 2,129 | 3,626 | 2,871 | 2,170 |
| – | – | – | – | |
| 141 | 107 | 107 | 38 |
Valuation
- 25.4×
- –
- –
- 3.3×
- 3.4×
- 119.8×
- –
- 0.8%
- 3.9%
- 0.4%
Profitability
- –
- –
- 13.2%
- –
- –
- –
- –
- –
- –
- –
Growth
- +15.4%
- −1.5%
- –
- –
- +0.1%
Financial health
- –
- 2.81
- –
- –
- –
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 18%of 900
Top 29%of 908
Bottom 32%of 941
0.4%of the share price, paid each year
On $1,000 invested$4a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
10.0% of its profit
Room to growStretchedMore than it earns: 47.2%
News
He Bought Pokémon Cards Through His Solo 401(k). The IRS Doesn’t Care That They Outperformed the S&P 500.Yahoo Finance · Oct 17, 2026College students have to use credit cards just to cover basic living expenses. Here’s what it’s costing them.MarketWatch · Oct 7, 2026The No. 1 mistake beginners make with travel cards, according to The Points GuyMarketWatch · Oct 3, 2026Why OpenAI’s Sam Altman says an IPO isn’t in the cards this yearMarketWatch · Sep 12, 2026Visa tells CNBC it is expanding data offering for blockchain lenders as demand for stablecoin-linked cards surgesCNBC Markets · Sep 8, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about SBI Cards and Payment Services
Is SBI Cards and Payment Services a good stock to buy?
A solid business at a fair price. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the SBI Cards and Payment Services AI analysis
What does SBI Cards and Payment Services do?
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 is in Credit Services, based in Gurugram, India.
Does SBI Cards and Payment Services pay a dividend?
Yes. At today's price the dividend is 0.4% a year, about 10% of its yearly profit. In 2026 it paid out ₹2.17 billion in dividends.
Is SBI Cards and Payment Services stock halal?
No. SBI Cards and Payment Services does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has SBI Cards and Payment Services stock done over the past year?
Down 31.8% over the past twelve months, to ₹578.30. It traded between ₹525.00 and ₹901.55 and is 35.9% below its high.
Who are SBI Cards and Payment Services's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with SBI Cards and Payment Services's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.