BOM/543066 (BOM/543066)

Bombay Stock Exchange: BOM/543066 · INR

₹527

-1.50 (-0.3%)· Recorded snapshot

Market cap	501.1B
Revenue (ttm)	131.3B
Net income (ttm)	26.1B
EPS (ttm)	₹27.4
P/E (trailing)	19.2x
P/E (forward)	15.6x
Dividend	₹2.50 (0.47%)
Volume	56,793

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 131.3B
Net income (ttm): 26.1B
EPS (ttm): ₹27.4
P/E (trailing): 19.2x
P/E (forward): 15.6x
Market cap: 501.1B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E15.6

P25 n/aP50 n/aP75 n/a

Trailing P/E19.2

P25 n/aP50 n/aP75 n/a

ROE16.3

P25 n/aP50 n/aP75 n/a

ROIC4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BOM/543066 indicators

Market & fundamental data

Available fields

211

Groups with data

Currency

INR

Showing 211 of 211 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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	Bombay Stock Exchange
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	No
ISIN number	INE018E01016
Last earnings date	2026-10-23
Last refreshed	2026-10-28
Market cap	INR 501.1B
Next earnings date	2027-01-22
Price	INR 527.00
Price currency	INR
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	bom/543066
Website	https://www.sbicard.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	19.23x
Average P/E ratio (10Y)	47.03x
Average P/E ratio (3Y)	33.26x
Average P/E ratio (5Y)	36.62x
Earnings yield	5.2%
FCF yield	7.27%
Forward P/E	15.59x
Graham number	333.85242
Graham upside	-36.83%
Industry forward P/E	11.22x
Industry P/E	12.95x
Lynch fair value	INR 557.14
Lynch upside	5.42%
P/(FCF - SBC) ratio	13.75x
P/(OCF - SBC) ratio	13.63x
P/B ratio	2.93x
P/E ratio	19.23x
P/FCF ratio	13.75x
P/OCF ratio	13.62x
P/S ratio	3.83x
Price / tangible book value	2.94x
Sector forward P/E	12.05x
Sector P/E	13.34x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	INR -334.3M
Depreciation and amortization	INR 750.6M
EPS	INR 27.40
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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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	-87.74%
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

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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
Last dividend	INR 2.50
Payout ratio	8.32%
Shareholder yield	0.41%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	INR 627.36
1D price change	-0.28%
1M price change	-13.63%
1M total return	-13.63%
1W price change	-5.56%
1W total return	-5.56%
1Y price change	-41.46%
1Y return CAGR	-41.28%
1Y total return	-41.26%
20-day SMA	INR 560.01
200-day SMA	INR 664.18
3M price change	-18.29%
3M total return	-18.29%
3Y price change	-33.38%
3Y return CAGR	-12.37%
3Y total return	-32.7%
50-day SMA	INR 608.59
50-day SMA vs 200-day SMA	50under200
52-week high	INR 914.10
52-week high date	2025-10-30
52-week low	INR 519.25
52-week low date	2026-10-28
5Y price change	-53.61%
5Y return CAGR	-13.96%
5Y total return	-52.84%
6M price change	-21.46%
6M total return	-21.46%
All-time high	INR 1,164.65
All-time high date	2021-09-01
All-time low	INR 495.25
All-time low date	2020-05-22
Average true range (ATR)	INR 17.51
Average volume	119.3K
Change from 52-week high	-42.35%
Change from 52-week low	0.33%
Change from all-time high	-54.75%
Change from all-time low	6.41%
Change from open	-0.2%
Day's gap	-0.09%
Dollar volume	INR 29.9M
High price	INR 528.10
Low price	INR 519.25
Monthly RSI	33.8
Open price	INR 528.05
Position in 52-week range	87.57%
Previous close	INR 528.50
Price vs 150-day SMA	-16%
Price vs 20-day SMA	-5.89%
Price vs 200-day SMA	-20.65%
Price vs 50-day SMA	-13.41%
Relative volume	0.48
RSI	29.58
Sharpe ratio	-2.07
Sharpe ratio (3Y)	-0.55
Sharpe ratio (5Y)	-0.51
Sortino ratio	-2.48
Sortino ratio (3Y)	-0.55
Sortino ratio (5Y)	-0.5
Volume	56.8K
Weekly RSI	28.37
YTD price change	-38.84%
YTD total return	-38.63%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on BOM/543066

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BOM/543066 report

Is a complete BOM/543066 research report available?

No complete published report is available for bom/543066 (BOM/543066) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BOM/543066 (BOM/543066)

Price

Financial snapshot

Fair-value bridge

Latest news · BOM/543066

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BOM/543066 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BOM/543066

Frequently asked questions