SBI Cards and Payment Services PE ratio history and valuation
NSE: SBICARDBSE: 543066FinanceMid Cap
SBI Cards and Payment Services Limited · Face value ₹10 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Mar 2020 · Issue price ₹755
Last close ₹528.05down ₹10.25 (1.90%)BSE ₹528.50
Share price at the NSE close on 27 Oct 2026. Previous close ₹538.30.
27 Oct: open ₹538.30, high ₹540.40, low ₹526.75
52-week range of traded prices to 27 Oct 2026
₹525.00Low, 23 Oct 2026₹915.00High, 28 Oct 2025
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹50,252 Cr161st largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 19.27
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 2.93
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 0.47%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 16.3%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 11.24%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Cost of funds in the glossary
- 6.90%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Credit cost in the glossary
- 9.11%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 3.29%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Assets per rupee of net worth in the glossary
- 4.47times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 16,26,65346.5% delivered
SBI Cards and Payment Services' P/E, price to book, dividend yield and earnings yield on 27 Oct 2026, each against its own history of up to 5 years. The P/E is the market cap over the profit of the twelve months to Sep 2026.
SBI Cards and Payment Services PE ratio and valuation against its own history
- Price to earnings19.27today
1 year
Median 28.60Today is at or above 0.4% of the 247 days
3 years
Median 30.85Today is at or above 0.1% of the 740 days
5 years
Median 35.26Today is at or above 0.1% of the 1,236 days
- Price to book2.93today
1 year
Median 4.04Today is at or above 0.4% of the 247 days
3 years
Median 5.65Today is at or above 0.1% of the 740 days
5 years
Median 6.31Today is at or above 0.1% of the 1,236 days
- Price to salesPrice to sales, trailing. Market cap divided by the revenue of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly): what investors pay for each rupee of a year's sales.Not used for a lender or an insurer
- EV to EBITDAEnterprise value to EBITDA. Market cap plus borrowings less cash and bank balances, divided by operating profit before depreciation (revenue less operating expenses, without other income and one-off items) over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly): what the whole business costs against the profit its operations make. Lease liabilities are not counted: the results filings do not state them.Not used for a lender or an insurer
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.0.47%today
1 year
Median 0.38%Today is at or above 100% of the 238 days
3 years
Median 0.34%Today is at or above 100% of the 734 days
5 years
Median 0.32%Today is at or above 100% of the 1,230 days
- Earnings yieldEarnings yield. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) as a percentage of market cap, the P/E turned upside down.5.19%today
1 year
Median 3.50%Today is at or above 100% of the 247 days
3 years
Median 3.24%Today is at or above 100% of the 740 days
5 years
Median 2.84%Today is at or above 100% of the 1,236 days
Each track ranks every trading day in the window from the day the ratio was lowest to the day it was highest; the dot is today. The share under it is how many of those days the ratio was at or below today's level, so a high share means today is higher than on most days in the window. A window is shown only when the ratio is held on most of its trading days; a day after a loss-making year has no P/E. Dividend yield is in per cent. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
How each ratio is worked out, with today's figures
- Price to earnings =Market cap÷Net profit, last twelve monthsNet profit, last twelve months. Net profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly).₹2,608 Cr
- Price to book =Market cap÷Net worthNet worth. Shareholders' equity in the latest balance sheet. Net worth in the glossary₹17,172 Cr
- Market cap =Close×Shares in issueShares in issue. The shares in issue in the latest shareholding filing.95,16,43,783at 30 Sep 2026
- Revenue, last twelve monthsRevenue, last twelve months. Revenue from operations over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly).
- ₹20,243 Cr
- BorrowingsBorrowings. Total borrowings in the latest balance sheet. Borrowings in the glossary
- ₹47,850 Cr
- CashCash. Cash and bank balances in the latest balance sheet.
- ₹3,759 Cr
Standalone accounts, the twelve months to Sep 2026, ₹ crore.SBI Cards and Payment Services financials ›
SBI Cards and Payment Services valuation at each year end
On the last trading day of each March, the month the company's year ends.SBI Cards and Payment Services dividend history
| Ratio | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Market cap (₹ crore)Market capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. | 87,304 | 80,323 | 70,001 | 64,894 | 83,824 | 60,468 |
| Price to earnings | 97.8 | 66.3 | 31.2 | 27.7 | 41.0 | 28.9 |
| Price to book | 14.9 | 11.5 | 7.8 | 5.9 | 6.4 | 4.1 |
| Price to sales | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer |
| EV to EBITDA | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer |
| Dividend yield | 0.11% | 0.29% | 0.34% | 0.37% | 0.28% | 0.39% |
| Earnings yield | 1.0% | 1.5% | 3.2% | 3.6% | 2.4% | 3.5% |
A ratio that does not exist on the day says why in its cell.
SBI Cards and Payment Services market cap, since Apr 2020
The last trading day of each month.
Market cap, ₹ crore
- Market cap
Earnings per share and book value
From the close on 27 Oct 2026, with the last twelve months' results.
- P/E to growthPrice to earnings to growth. The P/E divided by how fast profit grew, the last twelve months' profit against the twelve months before as a percentage, shown only when both are positive.
- 0.54
- Earnings per shareEarnings per share, trailing. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) divided by the number of shares in issue.
- ₹27.41
- Book value per shareBook value per share. Net worth, the company's assets less everything it owes, divided by the number of shares in issue.
- ₹180.45
- Dividends, last 12 monthsDividends per share, last 12 months. Dividends per share with an ex-date in the last twelve months, restated for any split or bonus since.
- ₹2.50
- Public's market capPublic's market cap. The market value of the shares held by everyone other than the promoters, the group that set up or controls the company.
- ₹15,648 Cr
Against Non Banking Financial Company (NBFC)
280 listed companies in Non Banking Financial Company (NBFC), each priced on its last trading day; SBI Cards and Payment Services is 6th among them by market cap. Each median leaves out SBI Cards and Payment Services itself and takes the other companies that have the figure.
- Industry median P/EIndustry median trailing P/E. The middle trailing P/E of the listed companies in the same industry that have one, leaving out the company itself and any P/E above 200.
- 18.8Across 152 other companies
- Listed companies with this P/E or lowerP/E among all listed companies. The share of the 3,398 listed companies with a trailing P/E on 27 Oct 2026 whose P/E is at or below SBI Cards and Payment Services'.
- 46%Of 3,398 companies with a P/E
- Industry median P/BIndustry median P/B. The middle P/B of the listed companies in the same industry that have one, leaving out the company itself.
- 1.1Across 244 other companies
- Industry median dividend yieldIndustry median dividend yield. The middle dividend yield of the listed companies in the same industry that paid a dividend in the last twelve months, leaving out the company itself.
- 0.79%Across 54 other companies
| Company | |||||
|---|---|---|---|---|---|
 Shriram FinanceSHRIRAMFIN | 1,93,797 | 15.28 | 1.74 | – | 1.31% |
 Tata CapitalTATACAP | 1,27,537 | 21.38 | 2.60 | – | 0.19% |
 Cholamandalam Investment and Finance CompanyCHOLAFIN | 1,25,968 | 21.90 | 4.14 | – | 0.14% |
 Muthoot FinanceMUTHOOTFIN | 96,654 | 8.50 | 2.47 | – | 1.25% |
| SBI Cards and Payment ServicesSBICARD | 50,252 | 19.27 | 2.93 | – | 0.47% |
 Piramal FinancePIRAMALFIN | 44,018 | 23.18 | 1.42 | – | 0.59% |
 Sundaram FinanceSUNDARMFIN | 43,353 | 19.53 | 2.91 | – | 1.03% |
 HDB Financial ServicesHDBFS | 41,897 | 14.15 | 1.89 | – | 0.79% |
 Authum Investment & InfrastructureAIIL | 41,192 | 19.67 | 2.80 | 18.0 | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record; for ROCE and EV/EBITDA, where the company is a lender or an insurer; for NIM and ROA, where the company does not file a lender's accounts or has no recent year with a balance sheet at its start and its end. ROE is the shareholders' profit over their net worth. ROCE is profit before interest and tax over the whole group's net worth plus borrowings, as in the figures at the top of the page. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.