Who are in the management team of SBI Cards?

As of March 2023, the management team of SBI Cards includes Payal Mittal (Company Secretary), Dinesh Kumar Khara (Chairman), Abhijit Chakravorty (Managing Director), and several independent directors. They oversee the company's operations and strategic direction.

As of March 2023, the management team of SBI Cards includes the following individuals:<BR><BR>1. Payal Mittal - Company Secretary & Compliance Officer<BR>2. Dinesh Kumar Khara - Chairman (Non-Executive)<BR>3. Rajendra Kumar Saraf - Independent Director<BR>4. Tejendra Mohan Bhasin - Independent Director<BR>5. Dinesh Kumar Mehrotra - Independent Director<BR>6. Anuradha Shripad Nadkarni - Independent Director<BR>7. Shriniwas Yeshwant Joshi - Independent Director<BR>8. Abhijit Chakravorty - Managing Director<BR>9. Nitin Chugh - Nominee (SBI)<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

Has SBI Cards declared dividend?

Yes, SBI Cards has declared a 25% dividend, amounting to ₹2.5 per share, with an ex-date of February 25, 2025. The company has shown strong total returns, particularly in the last 6 months and 5 years, with total returns of 38.95% and 60.43%, respectively.

SBI Cards & Payment Services Ltd has declared a 25% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 25%<BR>- Amount per share: 2.5<BR>- Ex-date: 25 Feb 2025<BR><BR>Dividend Yield: 0.27%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 38.6%, the dividend return was 0.35%, resulting in a total return of 38.95%.<BR><BR>Over the past year, the price return stood at 41.34%, with a dividend return of 0.35%, leading to a total return of 41.69%.<BR><BR>In the 2-year period, the price return was 7.66%, the dividend return was 0.55%, culminating in a total return of 8.21%.<BR><BR>For the 3-year period, the price return was 28.5%, the dividend return was 1.05%, resulting in a total return of 29.55%.<BR><BR>In the last 4 years, the price return was -5.21%, the dividend return was 1.04%, leading to a total return of -4.17%.<BR><BR>Over the past 5 years, the price return was 58.9%, with a dividend return of 1.53%, resulting in a total return of 60.43%.<BR><BR>Overall, SBI Cards has declared a dividend, and the total returns over various periods indicate a generally positive performance, particularly in the short to medium term, with significant total returns in the last 5 years.

Who are the peers of the SBI Cards?

Peers of SBI Cards include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, and Authum Invest. SBI Cards has a good management risk profile and a 1-year return of 29.78%, outperforming Jio Financial, which has a return of -20.22%.

Peers: The peers of SBI Cards are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, Authum Invest.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, and SBI Cards, while Good management risk is found at Shriram Finance and Aditya Birla Cap, and Average management risk is noted at Jio Financial, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv. Growth is Excellent at Jio Financial and Authum Invest, Good at Bajaj Finance and Cholaman.Inv.&Fn, and Average at SBI Cards, Muthoot Finance, Aditya Birla Cap, and Sundaram Finance, while Below Average growth is seen at L&T Finance Ltd and M & M Fin. Serv. Excellent capital structure is present in Bajaj Finance, Shriram Finance, Muthoot Finance, SBI Cards, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, and Authum Invest, while Good capital structure is found at Cholaman.Inv.&Fn.<BR><BR>Return Snapshot: Authum Invest has the highest 1-year return at 164.07%, while Jio Financial has the lowest at -20.22%, with SBI Cards' 1-year return at 29.78% being significantly higher than Jio Financial's. Additionally, Jio Financial and M & M Fin. Serv. have negative six-month returns.

Is SBI Cards overvalued or undervalued?

As of January 2, 2025, SBI Cards & Payment Services Ltd. is considered very expensive and overvalued, with a PE ratio of 49.31 and a PEG ratio of 0.00, indicating it trades at a significant premium compared to its peers and has underperformed the Sensex in the long term despite short-term gains.

As of 2 January 2025, the valuation grade for SBI Cards & Payment Services Ltd. has moved from expensive to very expensive. The company is currently overvalued based on its financial ratios, which include a PE ratio of 49.31, a Price to Book Value of 7.22, and an EV to EBITDA ratio of 25.45. These figures indicate that the stock is trading at a significant premium compared to its earnings and book value.<BR><BR>In comparison to its peers, SBI Cards stands out with a PE ratio of 49.31, while other companies in the sector may have lower ratios, suggesting that SBI Cards is priced higher than its competitors. Notably, the PEG ratio is 0.00, which further emphasizes the lack of growth relative to its current price. Additionally, while the stock has outperformed the Sensex in the short term, with a year-to-date return of 51.74% compared to the Sensex's 5.58%, the long-term performance shows a stark contrast, with a 5-year return of 64.8% against the Sensex's 142.96%. This disparity reinforces the notion that the stock may be overvalued at its current price.

What does SBI Cards do?

SBI Cards & Payment Services Ltd issues credit cards and operates as a Large Cap company in the NBFC sector. As of March 2025, it reported net sales of ₹46,740 Cr and a net profit of ₹5,342 Cr.

Overview: <BR>SBI Cards & Payment Services Ltd is engaged in issuing credit cards to consumers and operates within the Non Banking Financial Company (NBFC) sector, classified as a Large Cap company.<BR><BR>History: <BR>The company was incorporated in 1998 as "SBI Cards and Payment Services Private Limited" and transitioned to a public limited company on August 20, 2019. The latest quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 46,740 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 5,342 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 84,891 Cr (Large Cap)<BR><BR>Key Metrics: <BR>P/E: 45.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.28% <BR>Debt-Equity: 3.30 <BR>Return on Equity: 14.64% <BR>Price-to-Book: 6.50 <BR><BR>Contact Details: <BR>No Company Details Available <BR>Registrar Address: Not available.

Who are the top shareholders of the SBI Cards?

The top shareholders of SBI Cards include the State Bank of India with a 68.6% stake, Life Insurance Corporation of India - P & Gs Fund at 6.12%, mutual funds holding 9.66%, and foreign institutional investors at 9.88%. There are no pledged promoter holdings reported.

The top shareholders of SBI Cards include the State Bank of India, which holds a significant 68.6% stake as the largest promoter. Other notable shareholders are Life Insurance Corporation of India - P & Gs Fund, with a 6.12% stake, and individual investors who collectively hold 3.81%. Additionally, mutual funds account for 9.66% of the shares, while foreign institutional investors (FIIs) hold 9.88%. There are no pledged promoter holdings reported.

How big is SBI Cards?

As of 24th July, SBI Cards & Payment Services Ltd has a market capitalization of 85,124.00 Cr, with recent net sales of 18,072.32 Cr and a net profit of 1,916.28 Cr. Shareholder's funds are 12,084.03 Cr and total assets are valued at 57,816.62 Cr as of March 2024.

As of 24th July, SBI Cards & Payment Services Ltd has a market capitalization of 85,124.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, SBI Cards reported Net Sales of 18,072.32 Cr and a Net Profit of 1,916.28 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, with Shareholder's Funds amounting to 12,084.03 Cr and Total Assets valued at 57,816.62 Cr.

When is the next results date for SBI Cards?

The next results date for SBI Cards is 24 October 2025.

The next results date for SBI Cards is scheduled for 24 October 2025.

Are SBI Cards latest results good or bad?

SBI Cards' latest results show a 9.98% year-on-year increase in net profit to ₹444.77 crores and a 12.21% rise in net sales; however, profitability metrics declined significantly, with a 20% drop in net profit from the previous quarter and the lowest operating margin in eight quarters, raising concerns about operational efficiency.

SBI Cards' latest results present a mixed picture. On one hand, the company reported a net profit of ₹444.77 crores for Q2 FY26, which is a 9.98% increase year-on-year. Additionally, net sales grew by 12.21% year-on-year, indicating solid revenue resilience. However, the quarter also saw a significant decline in profitability metrics, with net profit dropping by 20.00% compared to the previous quarter. <BR><BR>The operating margin fell to 24.58%, the lowest in eight quarters, reflecting a 488 basis point decrease from the prior quarter. This suggests that while the company is generating more revenue, it is facing challenges in managing costs effectively, leading to concerns about operational efficiency.<BR><BR>Overall, while the revenue growth is encouraging, the decline in profitability and operating margins raises red flags about the company's ability to sustain its performance in the near term. Investors may need to weigh these factors carefully when assessing the company's outlook.

Is SBI Cards technically bullish or bearish?

As of November 18, 2025, the trend is mildly bullish due to daily moving averages and Bollinger Bands, but mixed signals from the MACD and Dow Theory suggest caution.

As of 18 November 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, primarily driven by daily moving averages indicating mild bullishness and Bollinger Bands showing a mildly bullish trend on both weekly and monthly time frames. However, the MACD on both weekly and monthly charts is mildly bearish, which tempers the overall bullish sentiment. The KST remains bullish on both time frames, providing some support to the mildly bullish outlook. The Dow Theory indicates a mildly bearish stance on the weekly chart, adding to the mixed signals. Overall, while there are bullish indicators, the presence of bearish signals suggests caution.

How has been the historical performance of SBI Cards?

SBI Cards has shown consistent growth in net sales, increasing from ₹6,999.11 Cr in Mar'19 to ₹18,072.22 Cr in Mar'25, but recent profitability metrics have declined, with profit after tax dropping from ₹2,407.88 Cr in Mar'24 to ₹1,916.41 Cr in Mar'25. Despite rising liabilities, the book value per share improved from ₹56.88 in Mar'20 to ₹144.86 in Mar'25, indicating a stronger equity position.

Answer:<BR>The historical performance of SBI Cards shows a consistent growth trajectory in net sales and profit metrics over the years.<BR><BR>Breakdown:<BR>SBI Cards has demonstrated significant growth in net sales, increasing from 6,999.11 Cr in Mar'19 to 18,072.22 Cr in Mar'25. The total operating income has followed a similar trend, rising from 6,999.11 Cr in Mar'19 to 18,072.22 Cr in Mar'25. Operating profit (PBDIT) peaked at 3,428.55 Cr in Mar'24 before declining to 2,727.50 Cr in Mar'25, while profit before tax also saw a decrease from 3,231.80 Cr in Mar'24 to 2,580.68 Cr in Mar'25. Profit after tax followed suit, dropping from 2,407.88 Cr in Mar'24 to 1,916.41 Cr in Mar'25. The company's total liabilities increased significantly from 25,031.58 Cr in Mar'20 to 65,103.02 Cr in Mar'25, indicating a rise in debt levels, which reached 44,946.61 Cr in Mar'25. Despite these increases in liabilities, the book value per share improved from 56.88 in Mar'20 to 144.86 in Mar'25, reflecting a strengthening equity position. Cash flow from operating activities remained negative, with a notable outflow of 2,140.00 Cr in Mar'25, although the net cash inflow for the year was positive at 55.00 Cr, indicating some liquidity resilience. Overall, SBI Cards has shown robust growth in sales and assets, although profitability metrics have faced recent challenges.

Should I buy, sell or hold SBI Cards?

Why is SBI Cards falling/rising?

As of 21-Dec, SBI Cards & Payment Services Ltd's stock price has risen to Rs 871.80, up 2.79%, driven by strong investor interest and positive long-term fundamentals, including a 23.88% return over the past year. The stock has outperformed its sector and shows increased delivery volume, indicating growing investor confidence.

As of 21-Dec, SBI Cards & Payment Services Ltd is experiencing a rise in its stock price, currently at Rs 871.80, reflecting an increase of Rs 23.65 or 2.79%. This upward movement can be attributed to several factors. <BR><BR>Firstly, the stock has outperformed its sector today by 1.91% and has shown a consecutive gain over the last two days, accumulating a total return of 4.43% in that period. Additionally, the stock reached an intraday high of Rs 877.45, indicating strong buying interest. <BR><BR>Investor participation has also increased, with a delivery volume of 3.91 lacs on December 18, which is a 6.66% rise compared to the 5-day average delivery volume. This suggests that more investors are willing to hold the stock, contributing to its price increase. <BR><BR>Moreover, SBI Cards has demonstrated strong long-term fundamental strength, with an average Return on Equity (ROE) of 18.56% and a healthy annual growth rate of 16.27% in operating profit. The stock has also performed well relative to the market, generating a return of 23.88% over the past year, significantly higher than the market's average return of 3.86%. <BR><BR>These factors collectively indicate a positive sentiment around SBI Cards, leading to its rising stock price.

Why is SBI Cards falling/rising?

As of 22-Dec, SBI Cards & Payment Services Ltd is seeing a slight decline in its stock price to 870.05, down 0.13%. This dip follows two days of gains and reflects short-term challenges, but the company maintains strong long-term fundamentals and significant investor interest.

As of 22-Dec, SBI Cards & Payment Services Ltd is experiencing a slight decline in its stock price, currently at 870.05, down by 1.1 points or 0.13%. This decrease can be attributed to several factors. Firstly, the stock has underperformed its sector today by 0.7%, indicating weaker performance relative to its peers. Additionally, the stock has fallen after two consecutive days of gains, suggesting a potential trend reversal.<BR><BR>In terms of moving averages, while the stock price is higher than the 5-day, 20-day, and 100-day moving averages, it remains lower than the 50-day and 200-day moving averages, which may signal a lack of momentum for a sustained upward movement. Despite these short-term challenges, it is important to note that SBI Cards has shown strong long-term performance, with a year-to-date return of 31.01% and a one-year return of 26.58%, significantly outperforming the broader market indices.<BR><BR>Moreover, there has been a notable increase in investor participation, with delivery volume rising by 162.1% against the 5-day average, indicating growing interest in the stock. However, the current price movement reflects a temporary setback rather than a fundamental weakness, as the company maintains strong long-term fundamentals, including a healthy average return on equity of 18.56% and robust operating profit growth.

Why is SBI Cards & Payment Services Ltd falling/rising?

As of 23-Dec, SBI Cards & Payment Services Ltd is seeing a slight decline in its stock price to 870.00, down 0.21%, following a trend reversal after three days of gains. This decline is accompanied by reduced investor participation and suggests a potential weakening momentum despite strong long-term performance.

As of 23-Dec, SBI Cards & Payment Services Ltd is experiencing a slight decline in its stock price, currently at 870.00, down by 1.8 points or 0.21%. This decrease follows a trend reversal after three consecutive days of gains, indicating a potential shift in market sentiment. The stock has underperformed its sector by 0.86% today, which may contribute to the downward movement.<BR><BR>Additionally, there has been a notable decline in investor participation, with the delivery volume on December 22 falling by 34.53% compared to the five-day average. This drop in trading activity can signal reduced interest from investors, further impacting the stock's price negatively.<BR><BR>While the stock has shown strong long-term performance, with a year-to-date increase of 31.00% and a one-year return of 25.84%, the recent performance metrics suggest a temporary setback. The stock remains above its 5-day, 20-day, and 100-day moving averages, but it is currently below its 50-day and 200-day moving averages, which could indicate a weakening momentum in the short term. Overall, these factors contribute to the current decline in the stock price of SBI Cards & Payment Services Ltd.

Why is SBI Cards & Payment Services Ltd falling/rising?

As of 24-Dec, SBI Cards & Payment Services Ltd's stock price is declining, currently at 865.30, with a recent drop in investor participation and trading below key moving averages, indicating a bearish trend despite strong long-term performance.

As of 24-Dec, SBI Cards & Payment Services Ltd is experiencing a slight decline in its stock price, currently at 865.30, reflecting a change of -1.45 (-0.17%). This decrease follows a trend where the stock has been losing for the last two days, resulting in a total drop of -0.75% during this period. <BR><BR>Despite the stock's strong long-term performance, with a year-to-date increase of 30.30% and a one-year return of 24.42%, recent trading activity indicates a decline in investor participation. The delivery volume on December 23 was 2.38 lacs, which represents a significant drop of -54.82% compared to the five-day average. This reduced activity may contribute to the downward pressure on the stock price.<BR><BR>Additionally, while the stock is performing better than the benchmark Sensex over the past week and year, it is currently trading below several key moving averages, specifically the 20-day, 50-day, and 200-day moving averages, which can signal a bearish trend. Therefore, the combination of recent price declines, falling investor participation, and the stock's position relative to moving averages are contributing factors to the current decrease in SBI Cards & Payment Services Ltd's stock price.

Why is SBI Cards & Payment Services Ltd falling/rising?

As of 25-Dec, SBI Cards & Payment Services Ltd's stock price is at 865.30, reflecting a slight decline of -0.17%. Despite strong long-term performance, recent trends show a decrease in value and investor interest, with the stock underperforming against moving averages and the benchmark Sensex.

As of 25-Dec, SBI Cards & Payment Services Ltd is experiencing a slight decline in its stock price, currently at 865.30, reflecting a change of -1.45 (-0.17%). This decrease follows a trend where the stock has been losing value for the last two days, with a total drop of -0.75% during this period. <BR><BR>Despite a strong long-term performance, evidenced by a year-to-date increase of 30.30% and a one-year return of 24.42%, the stock's recent performance has not been as favorable. Over the past month, it has seen a slight decline of -0.45%, while the benchmark Sensex has gained 0.60%. Additionally, the stock's moving averages indicate that it is currently lower than the 20-day, 50-day, and 200-day moving averages, which can signal a bearish trend.<BR><BR>Investor participation has also decreased, with delivery volume dropping by -54.82% compared to the five-day average, suggesting reduced interest from investors. Although the stock maintains strong fundamentals, including a healthy average return on equity of 18.56% and significant institutional holdings at 27.86%, these factors have not been sufficient to counteract the recent downward pressure on the stock price.

Which are the latest news on SBI Cards?

Which are the latest news on SBI Cards?