NSE: SBICARD · BSE: 543066 · ISIN INE018E01016
SBI Cards and Payment Services Limited stock analysis
SBI Cards and Payment Services Limited ranks #4086 in the TickerSutra evidence-ranked universe with a score of 36/100 and 95% data confidence. The latest captured fundamentals show ROCE of 10.1%, quarterly sales growth of 3.4% and quarterly profit growth of 19.5%.Avoid / exit review
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- CWIP indicates an active capacity pipeline
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
- CFO/EBITDA is below 0.6×
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹10,679cr | ₹1,699cr | ₹1,616cr | 16.0% |
| 2023 | ₹13,670cr | ₹2,579cr | ₹2,258cr | 19.0% |
| 2024 | ₹16,986cr | ₹2,931cr | ₹2,408cr | 17.0% |
| 2025 | ₹18,074cr | ₹2,164cr | ₹1,916cr | 12.0% |
| 2026 | ₹19,901cr | ₹2,243cr | ₹2,167cr | 11.0% |
| TTM | ₹20,063cr | ₹2,371cr | ₹2,275cr | 12.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet
RoutineSBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeBSE · 26 Sept 2026Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet
RoutineSBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBSE · 25 Sept 2026Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Schedule of Investor(s)/Analyst(s) Meet
RoutineTrading WindowNSE · 25 Sept 2026Sbi Cards And Payment Services Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
RoutineAlteration Of Capital and Fund Raising-XBRLNSE · 25 Sept 2026 · Structured filingSBI CARDS AND PAYMENT SERVICES LIMITED has informed the Exchange regarding Allotment of Securities
SBI CARDS AND PAYMENT SERVICES LIMITED has informed the Exchange regarding Allotment of Securities
Open original XBRL sourceMANAGEMENT COMMENTARY
Signals from filed documents
Looking ahead, the industry is projected to grow consistently over the next decade. The regulatory environment has also evolved significantly, with increased emphasis on responsible lending, customer suitability, digital resilience, cybersecurity and customer protection. We believe these measures are positive for the long-term health of the industry and will further strengthen customer confidence in digital payments
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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