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NSE/SBICARD (NSE/SBICARD)

National Stock Exchange of India: NSE/SBICARD · INR

₹528

-0.48 (-0.1%)· Recorded snapshot

Market cap	502B
Revenue (ttm)	131.3B
Net income (ttm)	26.1B
EPS (ttm)	₹27.4
Shares out	951.6M
P/E (trailing)	19.3x
P/E (forward)	17.3x
Dividend	₹2.50 (0.47%)
Volume	1,219,104
Beta	0.23

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	INR
Country	India
Country code	IN
Earnings date	2026-10-23
Employees	4,218
Employees change	120
Employees growth	2.93%
Exchange	National Stock Exchange of India
Financial currency	INR
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	March
Founded	1998
Industry	Credit Services
Is primary listing	Yes
ISIN number	INE018E01016
Last earnings date	2026-10-23
Last refreshed	2026-10-28
Market cap	INR 502B
Next earnings date	2027-01-22
Price	INR 527.55
Price currency	INR
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	nse/SBICARD
Website	https://www.sbicard.com

Metric

Value

Amount currency

INR

Country

India

Country code

Earnings date

2026-10-23

Employees

4,218

Employees change

120

Employees growth

2.93%

Exchange

National Stock Exchange of India

Financial currency

INR

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

March

Founded

1998

Industry

Credit Services

Is primary listing

Yes

ISIN number

INE018E01016

Last earnings date

2026-10-23

Last refreshed

2026-10-28

Market cap

INR 502B

Next earnings date

2027-01-22

Price

INR 527.55

Price currency

INR

Sector

Financials

SIC code

6141

Stock price date

2026-10-28

Symbol

nse/SBICARD

Website

https://www.sbicard.com

Metric	Value
Adjusted P/E ratio	19.25x
Average P/E ratio (10Y)	47.03x
Average P/E ratio (3Y)	33.26x
Average P/E ratio (5Y)	36.62x
Earnings yield	5.19%
FCF yield	7.28%
Forward P/E	17.33x
Graham number	333.50729
Graham upside	-36.78%
Industry forward P/E	11.14x
Industry P/E	12.93x
Lynch fair value	INR 556.54
Lynch upside	5.5%
P/(FCF - SBC) ratio	13.74x
P/(OCF - SBC) ratio	13.61x
P/B ratio	2.92x
P/E ratio	19.25x
P/FCF ratio	13.73x
P/OCF ratio	13.61x
P/S ratio	3.82x
PEG ratio	0.74x
Price / tangible book value	2.93x
Sector forward P/E	12.12x
Sector P/E	13.42x

Metric

Value

Adjusted P/E ratio

19.25x

Average P/E ratio (10Y)

47.03x

Average P/E ratio (3Y)

33.26x

Average P/E ratio (5Y)

36.62x

Earnings yield

5.19%

FCF yield

7.28%

Forward P/E

17.33x

Graham number

333.50729

Graham upside

-36.78%

Industry forward P/E

11.14x

Industry P/E

12.93x

Lynch fair value

INR 556.54

Lynch upside

5.5%

P/(FCF - SBC) ratio

13.74x

P/(OCF - SBC) ratio

13.61x

P/B ratio

2.92x

P/E ratio

19.25x

P/FCF ratio

13.73x

P/OCF ratio

13.61x

P/S ratio

3.82x

PEG ratio

0.74x

Price / tangible book value

2.93x

Sector forward P/E

12.12x

Sector P/E

13.42x

Metric	Value
Effective tax rate	25.57%
FCF margin	27.84%
Gross margin	52.62%
Operating margin	25.83%
Pretax margin	26.69%
Profit margin	19.86%
Profit per employee	INR 6.2M
Profitable quarters	34
Profitable years	14
Revenue per employee	INR 31.1M
ROA	3.7%
ROA (5Y)	4.38%
ROE	16.32%
ROE (5Y)	20.03%
ROIC	4.05%
ROIC (5Y)	4.76%
SBC / revenue	0.01%
Tax / revenue	6.82%

Metric

Value

Effective tax rate

25.57%

FCF margin

27.84%

Gross margin

52.62%

Operating margin

25.83%

Pretax margin

26.69%

Profit margin

19.86%

Profit per employee

INR 6.2M

Profitable quarters

Profitable years

Revenue per employee

INR 31.1M

ROA

3.7%

ROA (5Y)

4.38%

ROE

16.32%

ROE (5Y)

20.03%

ROIC

4.05%

ROIC (5Y)

4.76%

SBC / revenue

0.01%

Tax / revenue

6.82%

Metric	Value
EPS growth	35.86%
EPS growth (Q)	74.95%
EPS growth (QoQ)	17.05%
EPS growth 10Y	16.74%
EPS growth 3Y	4.13%
EPS growth 5Y	20.22%
EPS growth quarters	5
EPS growth years	1
Net income growth	35.96%
Net income growth (Q)	74.83%
Net income growth (QoQ)	17.03%
Net income growth 3Y	4.24%
Net income growth 5Y	20.31%
Net income growth quarters	5
Net income growth years	1
Operating income growth	31.48%
Operating income growth (Q)	74.35%
Operating income growth 3Y	3.29%
Operating income growth 5Y	19.66%
Revenue growth	22.36%
Revenue growth (Q)	21.52%
Revenue growth (QoQ)	5.54%
Revenue growth 10Y	36.67%
Revenue growth 3Y	7.72%
Revenue growth 5Y	9.4%
Revenue growth quarters	6
Revenue growth years	13

Metric

Value

EPS growth

35.86%

EPS growth (Q)

74.95%

EPS growth (QoQ)

17.05%

EPS growth 10Y

16.74%

EPS growth 3Y

4.13%

EPS growth 5Y

20.22%

EPS growth quarters

EPS growth years

Net income growth

35.96%

Net income growth (Q)

74.83%

Net income growth (QoQ)

17.03%

Net income growth 3Y

4.24%

Net income growth 5Y

20.31%

Net income growth quarters

Net income growth years

Operating income growth

31.48%

Operating income growth (Q)

74.35%

Operating income growth 3Y

3.29%

Operating income growth 5Y

19.66%

Revenue growth

22.36%

Revenue growth (Q)

21.52%

Revenue growth (QoQ)

5.54%

Revenue growth 10Y

36.67%

Revenue growth 3Y

7.72%

Revenue growth 5Y

9.4%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	INR -334.3M
Depreciation and amortization	INR 750.6M
EPS	INR 27.40
FCF per share	INR 38.41
Financing cash flow	INR -16.3B
Free cash flow	INR 36.6B
Free cash flow minus SBC	INR 36.5B
Gross profit	INR 69.1B
Income taxes	INR 9B
Investing cash flow	INR -16.5B
Net borrowing	INR -14.1B
Net cash flow	INR 4.1B
Net income	INR 26.1B
Operating cash flow minus SBC	INR 36.9B
Operating income	INR 33.9B
Revenue	INR 131.3B
Stock-based compensation	INR 9.9M

Metric

Value

Capital expenditures

INR -334.3M

Depreciation and amortization

INR 750.6M

EPS

INR 27.40

FCF per share

INR 38.41

Financing cash flow

INR -16.3B

Free cash flow

INR 36.6B

Free cash flow minus SBC

INR 36.5B

Gross profit

INR 69.1B

Income taxes

INR 9B

Investing cash flow

INR -16.5B

Net borrowing

INR -14.1B

Net cash flow

INR 4.1B

Net income

INR 26.1B

Operating cash flow minus SBC

INR 36.9B

Operating income

INR 33.9B

Revenue

INR 131.3B

Stock-based compensation

INR 9.9M

Metric	Value
Book value per share	INR 180.42
Debt / equity	2.79
Debt / FCF	13.09
Net cash (debt)	INR -440.9B
Net cash / market cap	-87.82%
Net debt / equity	2.57
Net debt / FCF	12.06
Piotroski F-Score	6
Property, plant and equipment	INR 1.8B
Shareholders' equity	INR 171.7B
Tangible book value	INR 171.1B
Tangible book value per share	INR 179.78
Total assets	INR 711B
Total cash	INR 37.6B
Total debt	INR 478.5B
Total liabilities	INR 539.3B
WACC	2.82%

Metric

Value

Book value per share

INR 180.42

Debt / equity

2.79

Debt / FCF

13.09

Net cash (debt)

INR -440.9B

Net cash / market cap

-87.82%

Net debt / equity

2.57

Net debt / FCF

12.06

Piotroski F-Score

Property, plant and equipment

INR 1.8B

Shareholders' equity

INR 171.7B

Tangible book value

INR 171.1B

Tangible book value per share

INR 179.78

Total assets

INR 711B

Total cash

INR 37.6B

Total debt

INR 478.5B

Total liabilities

INR 539.3B

WACC

2.82%

Metric	Value
Asset turnover	0.19
Current ratio	19.29
Quick ratio	19.29
Working capital	INR 576B
Working capital turnover	0.23

Metric

Value

Asset turnover

0.19

Current ratio

19.29

Quick ratio

19.29

Working capital

INR 576B

Working capital turnover

0.23

Metric	Value
Buyback yield / dilution	-0.06%
Dividend growth	0%
Dividend growth (3Y)	0%
Dividend growth years	0
Dividend payment date	2026-04-03
Dividend payment years	5
Dividend payout frequency	Annual
Dividend per share	INR 2.50
Dividend yield	0.47%
Ex-dividend date	2026-03-11
FCF payout ratio	51.79%
Last dividend	INR 2.50
Payout ratio	8.32%
Shareholder yield	0.41%

Metric

Value

Buyback yield / dilution

-0.06%

Dividend growth

Dividend growth (3Y)

Dividend growth years

Dividend payment date

2026-04-03

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

INR 2.50

Dividend yield

0.47%

Ex-dividend date

2026-03-11

FCF payout ratio

51.79%

Last dividend

INR 2.50

Payout ratio

8.32%

Shareholder yield

0.41%

Metric	Value
150-day SMA	INR 627.31
1D price change	-0.09%
1M price change	-13.69%
1M total return	-13.69%
1W price change	-7.02%
1W total return	-7.02%
1Y price change	-41.44%
1Y return CAGR	-41.25%
1Y total return	-41.23%
20-day SMA	INR 559.61
200-day SMA	INR 664.17
3M price change	-18.21%
3M total return	-18.21%
3Y price change	-33.26%
3Y return CAGR	-12.31%
3Y total return	-32.58%
50-day SMA	INR 608.65
50-day SMA vs 200-day SMA	50under200
52-week high	INR 915.00
52-week high date	2025-10-30
52-week low	INR 519.05
52-week low date	2026-10-28
5Y price change	-53.6%
5Y return CAGR	-13.96%
5Y total return	-52.83%
6M price change	-21.34%
6M total return	-21.34%
All-time high	INR 1,165.00
All-time high date	2021-09-01
All-time low	INR 495.00
All-time low date	2020-05-22
Average true range (ATR)	INR 17.58
Average volume	1.1M
Beta (1Y)	0.31
Beta (2Y)	0.44
Beta (5Y)	0.23
Change from 52-week high	-42.34%
Change from 52-week low	1.64%
Change from all-time high	-54.72%
Change from all-time low	6.58%
Change from open	-0.09%
Day's gap	-0.01%
Dollar volume	INR 643.1M
High price	INR 528.35
Low price	INR 519.05
Monthly RSI	33.79
Open price	INR 528.00
Position in 52-week range	91.4%
Previous close	INR 528.05
Price vs 150-day SMA	-15.9%
Price vs 20-day SMA	-5.73%
Price vs 200-day SMA	-20.57%
Price vs 50-day SMA	-13.32%
Relative volume	1.14
RSI	29.85
Sharpe ratio	-2.06
Sharpe ratio (3Y)	-0.55
Sharpe ratio (5Y)	-0.51
Sortino ratio	-2.49
Sortino ratio (3Y)	-0.55
Sortino ratio (5Y)	-0.5
Volume	1.2M
Weekly RSI	28.3
YTD price change	-38.78%
YTD total return	-38.56%

Metric

Value

150-day SMA

INR 627.31

1D price change

-0.09%

1M price change

-13.69%

1M total return

-13.69%

1W price change

-7.02%

1W total return

-7.02%

1Y price change

-41.44%

1Y return CAGR

-41.25%

1Y total return

-41.23%

20-day SMA

INR 559.61

200-day SMA

INR 664.17

3M price change

-18.21%

3M total return

-18.21%

3Y price change

-33.26%

3Y return CAGR

-12.31%

3Y total return

-32.58%

50-day SMA

INR 608.65

50-day SMA vs 200-day SMA

50under200

52-week high

INR 915.00

52-week high date

2025-10-30

52-week low

INR 519.05

52-week low date

2026-10-28

5Y price change

-53.6%

5Y return CAGR

-13.96%

5Y total return

-52.83%

6M price change

-21.34%

6M total return

-21.34%

All-time high

INR 1,165.00

All-time high date

2021-09-01

All-time low

INR 495.00

All-time low date

2020-05-22

Average true range (ATR)

INR 17.58

Average volume

1.1M

Beta (1Y)

0.31

Beta (2Y)

0.44

Beta (5Y)

0.23

Change from 52-week high

-42.34%

Change from 52-week low

1.64%

Change from all-time high

-54.72%

Change from all-time low

6.58%

Change from open

-0.09%

Day's gap

-0.01%

Dollar volume

INR 643.1M

High price

INR 528.35

Low price

INR 519.05

Monthly RSI

33.79

Open price

INR 528.00

Position in 52-week range

91.4%

Previous close

INR 528.05

Price vs 150-day SMA

-15.9%

Price vs 20-day SMA

-5.73%

Price vs 200-day SMA

-20.57%

Price vs 50-day SMA

-13.32%

Relative volume

1.14

RSI

29.85

Sharpe ratio

-2.06

Sharpe ratio (3Y)

-0.55

Sharpe ratio (5Y)

-0.51

Sortino ratio

-2.49

Sortino ratio (3Y)

-0.55

Sortino ratio (5Y)

-0.5

Volume

1.2M

Weekly RSI

28.3

YTD price change

-38.78%

YTD total return

-38.56%

Metric	Value
Float	299M
Shares change (QoQ)	-0.02%
Shares change (YoY)	0.06%
Shares held by institutions	19.2%
Shares outstanding	951.6M

Metric

Value

Float

299M

Shares change (QoQ)

-0.02%

Shares change (YoY)

0.06%

Shares held by institutions

19.2%

Shares outstanding

951.6M

NSE/SBICARD (NSE/SBICARD)

Price

Financial snapshot

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Valuation

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Profile and market data

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Performance and technicals

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Frequently asked questions