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SBI Cards (SBICARD) | Financial Analysis & Statements

SBI Cards and Payment Services Ltd. | Large-cap | Financial Services

₹811.80

2.84%

SBI Cards vs Bajaj Finance SBI Cards vs Indian Railway SBI Cards vs Power Finance SBI Cards vs Cholamandalam SBI Cards vs Shriram Finance SBI Cards vs NIFTY 50 | Market

TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 38.4B

Net Income 5.3B 13.91%

Balance Sheet Metrics

Total Assets 655.5B

Total Liabilities 517.6B

Shareholders Equity 137.8B

Debt to Equity 3.76

Cash Flow Metrics

Revenue & Profitability Trend

Interactive Financial Charts Not Available

This page uses interactive financial charts and dynamic data visualization tools that require JavaScript. For detailed financial analysis:

Available Financial Data:

Income statements (annual and quarterly)
Balance sheets with asset and liability details
Cash flow statements and free cash flow analysis
Key financial ratios and performance metrics
Peer comparison and industry benchmarking

All financial data is displayed in accessible table format below. Use the table headers and structure to analyze trends and compare metrics across different periods.

SBI Cards Income Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Revenue i	148.3B	127.5B	106.8B	86.4B	75.9B
Cost of Goods Sold i	-	-	-	-	-
Gross Profit i	-	-	-	-	-
Gross Margin % i	0.0%	0.0%	0.0%	0.0%	0.0%
Operating Expenses
Research & Development i	-	-	-	-	-
Selling, General & Administrative i	-	27.6B	25.4B	20.1B	16.1B
Other Operating Expenses i	66.4B	29.4B	25.9B	18.9B	16.1B
Total Operating Expenses i	66.4B	56.9B	51.3B	39.0B	32.2B
Operating Income i	-	-	-	-	-
Operating Margin % i	0.0%	0.0%	0.0%	0.0%	0.0%
Non-Operating Items
Interest Income i	-	-	-	-	-
Interest Expense i	-	-	-	-	-
Other Non-Operating Income	-	-	-	-	-
Pre-tax Income i	25.8B	32.3B	30.3B	21.7B	13.2B
Income Tax i	6.6B	8.2B	7.7B	5.6B	3.4B
Effective Tax Rate % i	25.7%	25.5%	25.5%	25.6%	25.6%
Net Income i	19.2B	24.1B	22.6B	16.2B	9.8B
Net Margin % i	12.9%	18.9%	21.2%	18.7%	13.0%
Key Metrics
EBITDA i	-	-	-	-	-
EPS (Basic) i	₹20.15	₹25.39	₹23.92	₹17.16	₹10.48
EPS (Diluted) i	₹20.14	₹25.37	₹23.80	₹17.02	₹10.38
Basic Shares Outstanding i	951071960	948200000	944300000	941900000	939427481
Diluted Shares Outstanding i	951071960	948200000	944300000	941900000	939427481

Income Statement Trend

SBI Cards Balance Sheet From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Assets
Current Assets
Cash & Equivalents i	27.4B	23.9B	8.2B	6.8B	6.7B
Short-term Investments i	-	-	-	-	-
Accounts Receivable i	-	-	-	-	-
Inventory i	-	-	-	-	-
Other Current Assets	-	-	-	-	-
Total Current Assets i	-	-	-	-	-
Non-Current Assets
Property, Plant & Equipment i	2.3B	2.6M	4.5B	3.2B	2.2B
Goodwill i	1.0B	1.3B	1.2B	1.3B	992.4M
Intangible Assets i	1.0B	1.3B	1.2B	1.3B	992.4M
Long-term Investments	-	-	-	-	-
Other Non-Current Assets	-	-	-	-	-
Total Non-Current Assets i	-	-	-	-	-
Total Assets i	655.5B	-	-	-	-
Liabilities
Current Liabilities
Accounts Payable i	15.9B	15.1B	14.0B	11.2B	8.8B
Short-term Debt i	-	-	-	-	-
Current Portion of Long-term Debt	-	-	-	-	-
Other Current Liabilities	-	-	-	-	-
Total Current Liabilities i	-	-	-	-	-
Non-Current Liabilities
Long-term Debt i	449.5B	403.1B	315.3B	232.8B	180.7B
Deferred Tax Liabilities i	-	-	-	-	-
Other Non-Current Liabilities	-	-	-	-	-
Total Non-Current Liabilities i	-	-	-	-	-
Total Liabilities i	517.6B	-	-	-	-
Equity
Common Stock i	9.5B	9.5B	9.5B	9.4B	9.4B
Retained Earnings i	-	77.3B	60.4B	44.8B	34.2B
Treasury Stock i	-	-	-	-	-
Other Equity	-	-	-	-	-
Total Shareholders Equity i	137.8B	120.8B	98.3B	77.5B	63.0B
Key Metrics
Total Debt i	449.5B	403.1B	315.3B	232.8B	180.7B
Working Capital i	0	0	0	0	0

Balance Sheet Composition

SBI Cards Cash Flow Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Operating Activities
Net Income i	25.8B	32.3B	30.3B	21.7B	13.2B
Depreciation & Amortization i	-	-	-	-	-
Stock-Based Compensation i	107.4M	107.0M	141.1M	227.9M	301.8M
Working Capital Changes i	649.8M	531.9M	-1.8B	-2.3B	793.5M
Operating Cash Flow i	55.6B	56.9B	44.1B	29.5B	24.4B
Investing Activities
Capital Expenditures i	-553.8M	-744.9M	-931.6M	-998.9M	900.0K
Acquisitions i	-	-	-	-	-
Investment Purchases i	-47.7B	-30.2B	-37.0B	-37.6B	-14.0B
Investment Sales i	20.8B	16.4B	28.8B	33.2B	4.6B
Investing Cash Flow i	-27.5B	-14.6B	-9.2B	-5.4B	-9.4B
Financing Activities
Share Repurchases i	-	-	-	-	-
Dividends Paid i	-2.9B	-3.6B	-2.1B	-	-938.3M
Debt Issuance i	79.4B	109.4B	110.5B	82.7B	68.1B
Debt Repayment i	-29.0B	-21.5B	-29.8B	-32.1B	-62.6B
Financing Cash Flow i	47.5B	85.0B	78.9B	51.0B	4.8B
Free Cash Flow i	-22.0B	-55.3B	-67.6B	-44.9B	6.4B
Net Change in Cash i	75.6B	127.4B	113.8B	75.1B	19.9B

Cash Flow Trend

SBI Cards Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 40.01

Forward P/E 24.11

Price to Book 5.44

Price to Sales 7.33

PEG Ratio -6.10

Profitability Ratios

Profit Margin 18.33%

Operating Margin 27.59%

Return on Equity 13.91%

Return on Assets 2.92%

Financial Health

Debt to Equity 326.13

Beta 0.28

Per Share Data

EPS (TTM) ₹19.73

Book Value per Share ₹145.00

Revenue per Share ₹107.68

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
sbicard	751.1B	40.01	5.44	13.91%	18.33%	326.13
Bajaj Finance	5.4T	30.68	5.53	20.08%	44.94%	294.16
Indian Railway	1.6T	24.41	2.99	12.68%	97.62%	748.58
Power Finance	1.3T	5.49	1.13	14.82%	51.13%	636.84
Cholamandalam	1.2T	27.62	5.19	18.01%	39.21%	743.09
Shriram Finance	1.2T	12.08	2.05	18.11%	52.58%	316.89

Financial data is updated regularly. All figures are in the company's reporting currency.