SBI Cards and Payment Services Limited (NSE:SBICARD)
India
· Delayed Price · Currency is INR 720.70
-3.35 (-0.46%)
At close: Mar 9, 2026
NSE:SBICARD Income Statement
Financials in millions INR. Fiscal year is April - March.
Millions INR. Fiscal year is Apr - Mar.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Mar '25 Mar 31, 2025 | Mar '24 Mar 31, 2024 | Mar '23 Mar 31, 2023 | Mar '22 Mar 31, 2022 | Mar '21 Mar 31, 2021 | 2020 - 2016 |
| Interest and Dividend Income | 99,346 | 93,473 | 79,271 | 61,530 | 48,660 | 49,467 | Upgrade
|
| Total Interest Expense | 31,532 | 31,784 | 25,893 | 16,439 | 10,263 | 9,775 | Upgrade
|
| Net Interest Income | 67,813 | 61,689 | 53,378 | 45,091 | 38,397 | 39,692 | Upgrade
|
| Commissions and Fees | 89,161 | 80,029 | 81,647 | 66,042 | 52,266 | 39,077 | Upgrade
|
| Gain (Loss) on Sale of Investments | - | - | - | 4.8 | 4 | 1.8 | Upgrade
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| Other Revenue | 7,885 | 7,220 | 8,766 | 9,095 | 5,847 | 4,421 | Upgrade
|
| Revenue Before Loan Losses | 164,859 | 148,938 | 143,791 | 120,233 | 96,513 | 83,192 | Upgrade
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| Provision for Loan Losses | 51,113 | 48,715 | 32,865 | 21,554 | 22,550 | 4,787 | Upgrade
|
| Revenue | 113,746 | 100,223 | 110,926 | 98,679 | 73,963 | 78,405 | Upgrade
|
| Revenue Growth (YoY) | 12.89% | -9.65% | 12.41% | 33.42% | -5.67% | 6.98% | Upgrade
|
| Salaries & Employee Benefits | 6,577 | 5,896 | 5,697 | 5,619 | 4,727 | 4,916 | Upgrade
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| Cost of Services Provided | 85,126 | 72,702 | 76,026 | 67,227 | 52,231 | 40,316 | Upgrade
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| Other Operating Expenses | -7,091 | -5,602 | -4,910 | -5,985 | -5,068 | -2,764 | Upgrade
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| Total Operating Expenses | 85,635 | 74,464 | 78,781 | 68,499 | 53,376 | 65,296 | Upgrade
|
| Operating Income | 28,112 | 25,759 | 32,145 | 30,180 | 20,588 | 13,109 | Upgrade
|
| Currency Exchange Gain (Loss) | 23.6 | 23.6 | - | 90.4 | 30.1 | - | Upgrade
|
| EBT Excluding Unusual Items | 28,135 | 25,783 | 32,317 | 30,303 | 21,714 | 13,149 | Upgrade
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| Other Unusual Items | 24.1 | 24.1 | 0.6 | 0.9 | 7.5 | 88.7 | Upgrade
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| Pretax Income | 28,159 | 25,807 | 32,318 | 30,306 | 21,722 | 13,237 | Upgrade
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| Income Tax Expense | 7,242 | 6,643 | 8,239 | 7,721 | 5,560 | 3,392 | Upgrade
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| Net Income | 20,917 | 19,164 | 24,079 | 22,585 | 16,161 | 9,845 | Upgrade
|
| Net Income to Common | 20,917 | 19,164 | 24,079 | 22,585 | 16,161 | 9,845 | Upgrade
|
| Net Income Growth | 2.31% | -20.41% | 6.62% | 39.75% | 64.16% | -20.91% | Upgrade
|
| Shares Outstanding (Basic) | 951 | 951 | 948 | 944 | 942 | 940 | Upgrade
|
| Shares Outstanding (Diluted) | 952 | 952 | 949 | 949 | 949 | 949 | Upgrade
|
| Shares Change (YoY) | 0.09% | 0.27% | 0.02% | -0.03% | 0.07% | 0.70% | Upgrade
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| EPS (Basic) | 21.99 | 20.15 | 25.39 | 23.92 | 17.16 | 10.48 | Upgrade
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| EPS (Diluted) | 21.97 | 20.14 | 25.37 | 23.80 | 17.02 | 10.38 | Upgrade
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| EPS Growth | 2.23% | -20.61% | 6.60% | 39.84% | 63.97% | -21.42% | Upgrade
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| Free Cash Flow | - | -21,962 | -57,279 | -67,639 | -44,914 | 6,354 | Upgrade
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| Free Cash Flow Per Share | - | -23.07 | -60.34 | -71.27 | -47.31 | 6.70 | Upgrade
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| Dividend Per Share | - | 2.500 | 2.500 | 2.500 | 2.500 | - | Upgrade
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| Operating Margin | 24.71% | 25.70% | 28.98% | 30.58% | 27.83% | 16.72% | Upgrade
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| Profit Margin | 18.39% | 19.12% | 21.71% | 22.89% | 21.85% | 12.56% | Upgrade
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| Free Cash Flow Margin | - | -21.91% | -51.64% | -68.55% | -60.72% | 8.10% | Upgrade
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| Effective Tax Rate | 25.72% | 25.74% | 25.49% | 25.48% | 25.60% | 25.62% | Upgrade
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| Revenue as Reported | 203,530 | 186,372 | 174,835 | 142,857 | 113,015 | 97,136 | Upgrade
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Source: S&P Capital IQ. Financial Services template. Financial Sources.