What is SBI Cards & Payment Services Ltd (SBICARD) share price today?

SBI Cards & Payment Services Ltd (SBICARD) is listed on the NSE. Visit VestAI at https://www.vestai.io/stocks/SBICARD for the latest live price, technical analysis, and AI-powered insights.

How to analyse SBICARD stock?

VestAI provides comprehensive SBICARD stock analysis including RSI, MACD, Bollinger Bands, SMA trend, ROCE, debt-to-equity ratio, and smart money holdings by superstar investors.

What sector is SBI Cards & Payment Services Ltd in?

SBI Cards & Payment Services Ltd (SBICARD) is in the Financial Services sector, Non Banking Financial Company (NBFC) industry on the NSE.

SBI Cards & Payment Services Ltd

Q: What is SBI Cards & Payment Services Ltd's Orion Score?

SBI Cards & Payment Services Ltd has an Orion Score of 68/100 (Quality) — a fundamentals-based quality & risk score. SBI Cards & Payment Services Ltd scores 68/100 (Quality) on the Orion Score — strong business quality (78), moderate growth (69), strong balance-sheet safety (76) and rich valuation (27). A fundamentals-based quality & risk score, not a buy/sell recommendation.

SBICARD

NSE· Financial Services

₹611.65

+23.45 (+3.99%)

Updated 12:33 pm IST

52W Low · ₹571.2052W High · ₹1,004.75

Near 52W Low

Market Cap

₹56106.88L Cr

Volume

12.55L

Prev Close

₹588.20

ISIN

INE018E01016

Orion Score

Fundamentals-based quality & risk · not a recommendation

68/100

Quality

SBI Cards & Payment Services Ltd scores 68/100 (Quality) on the Orion Score — strong business quality (78), moderate growth (69), strong balance-sheet safety (76) and rich valuation (27). A fundamentals-based quality & risk score, not a buy/sell recommendation.

Quality

Growth

Safety

Value

Full Orion analysis

Risk checks

No size, liquidity or track-record concerns
Profitable — 17% return on equity

Forensic accounting

Forensic screens (Piotroski, Altman, Beneish) are built for non-financial companies. Banks & NBFCs are judged on capital adequacy, asset quality & returns instead.

Technical / Momentum

Price Trend

36/100

Neutral

Technical momentum companion — separate from the fundamentals-based Orion Score.

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VestAI Stock Score

VALUATION

High Debt

D/E 2.80x — elevated leverage

QUALITY

Average

ROCE 14.7% — decent returns

MOMENTUM

Neutral

RSI 48.9 — consolidating

Price Chart

SMA 20

SMA 50

SMA 200

Key Fundamentals

Q4 FY2026

P/E Ratio: 25.91
ROCE: 14.69%
ROE (1Y): 14.69%
D/E Ratio: 2.80x
OPM: —
TTM EPS: ₹22.76
Dividend Yield: 42.00%
Qtrly Sales: ₹4,063.98 Cr
Qtrly Profit: ₹609.30 Cr

Technical Signals

Quarterly Results

Revenue & Profit in ₹ Crores

Revenue Net Profit

Quarter	Revenue	Net Profit	OPM	EPS
Q4 2026	₹4,063.98	₹609.3	—	₹6.40
Q3 2026	₹4,221.7	₹556.64	—	₹5.85
Q1 2026	₹4,035.08	₹555.96	—	₹5.84
Q4 2025	₹3,841.28	₹534.18	—	₹5.61
Q3 2025	₹3,794.33	₹383.23	—	₹4.03

Annual P&L

Revenue & Profit in ₹ Crores (Yearly)

Revenue Net Profit

Year	Revenue	Net Profit	EBITDA	OPM
FY 2025	₹14,267.85	₹1,916.41	—	—
FY 2024	₹12,751.2	₹2,407.88	—	—
FY 2023	₹10,677.63	₹2,258.47	—	—
FY 2022	₹8,636.72	₹1,616.14	—	—

Peer Comparison — Financial Services

Top companies in the same sector by market cap

Company	Mkt Cap	P/E	ROCE	ROE	D/E	OPM
SBICARD ★	₹56,107 Cr	25.91	14.69%	14.69%	2.80x	—
ICICIBANKICICI Bank Limited	₹9,05,033 Cr	16.89	16.36%	16.36%	—	—
SBINState Bank of	₹9,02,477 Cr	10.73	15.48%	15.48%	—	—
BAJAJHFLBAJAJ HOUSING FINANCE	₹73,351 Cr	28.59	3.22%	12.06%	4.61x	31.70%
ANGELONEAngel One Limited	₹31,612 Cr	34.61	14.23%	15.53%	1.29x	38.76%
CDSLCentral Depository Services	₹29,927 Cr	61.72	25.37%	23.91%	0.00x	37.64%

Balance Sheet

All values in ₹ Crores

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Total Assets	₹65,545.8	₹58,171.23	₹45,545.56	₹34,648.43
Equity	₹13,781.72	₹12,084.03	₹9,830.05	₹7,752.7
Total Debt	₹45,170.68	₹40,314.7	₹31,531.09	₹23,284.91
Cash	₹2,559.91	₹2,508.43	₹1,016.04	₹784.25
Net Debt	₹42,386.7	₹37,382.65	₹30,093.58	₹22,198.21
Working Capital	—	—	—	—

Shareholding Pattern

Q1 FY2027

Promoter

68.58%

FII

13.35%

DII

10.93%

Public

7.14%

Quarter-over-Quarter Trend

Quarter	Promoter	FII	DII	Public
Q1 FY2027	68.58%	13.35% ↑	10.93% ↓	7.14% ↑
Q3 FY2026	68.58% ↓	10.14% ↑	17.84% ↑	3.42% ↓
Q2 FY2026	68.59%	10.1% ↓	17.76% ↑	3.56% ↓
Q1 FY2026	68.59%	10.23% ↑	17.5% ↑	3.68% ↓
Q4 FY2025	68.6%	9.88% ↑	17.22% ↑	4.3% ↓
Q3 FY2025	68.6% ↓	9.52% ↑	16.47% ↓	5.41% ↓
Q2 FY2025	68.61% ↓	9.18% ↑	16.76% ↑	5.46% ↓
Q1 FY2025	68.62%	8.72%	16.54%	6.11%

Corporate Actions

Ex-Date	Action	Details
2026-03-11	DIVIDEND	Interim Dividend - Rs 2.50 Per Share

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About SBI Cards & Payment Services Ltd (SBICARD) Stock

SBI Cards & Payment Services Ltd is listed on the NSE under the Financial Services sector, Non Banking Financial Company (NBFC) industry. ISIN: INE018E01016. Track live share price, technical analysis, RSI, MACD, PE ratio, and smart money holdings on VestAI — India's AI-powered stock analysis platform.