SBI Cards and Payment Services Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from SBI Cards and Payment Services Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 56% of Financial Services companies in India.
Growth Efficiency Ratio
−₹2Sales grew 46% in 3 years, but profit fell: ₹2 less profit per ₹100 of extra sales.
Lower than 84% of Financial Services companies in India.
Asset Productivity Ratio
+46% / +46%In 3 years sales changed by +46% while total assets changed by +46%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 54% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 56% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
SBI Cards and Payment Services Limited owes ₹0.76 for every ₹1 it owns. Net profit rose 13% in the year to Mar 2026, and shrank 1% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
22.8Investors pay ₹22.8 for every ₹1 of SBI Cards and Payment Services Limited's yearly profit, higher than 65% of Financial Services companies in India.
P/B ratio
3.30The share price is 3.30 times SBI Cards and Payment Services Limited's book value per share, higher than 79% of Financial Services companies in India.
Market cap
₹51,917 CrThe total market value of all of SBI Cards and Payment Services Limited's shares at today's price (share price × number of shares), larger than 80% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹15,726 CrWhat SBI Cards and Payment Services Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹165.25Net worth divided by the number of shares. The share price of ₹545.55 is 3.3 times this, which is the P/B above.
Return on equity (ROE)
14.5%SBI Cards and Payment Services Limited earned 14.5% on its shareholders' money over the last year, higher than 71% of Financial Services companies in India.
Owes vs Owns
0.76×SBI Cards and Payment Services Limited owes ₹0.76 for every ₹1 it owns (moderate), higher than 60% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
0.44%SBI Cards and Payment Services Limited pays 0.44% of its share price as dividends a year, lower than 72% of dividend-paying Financial Services companies in India.
Revenue growth
+10%Revenue rose 10% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Profit growth
+13%Net profit rose 13% in the year to Mar 2026, and shrank 1% a year on average over 3 years.
Profit margin
13.9%SBI Cards and Payment Services Limited keeps ₹14 of every ₹100 of revenue as net profit.
Questions
What is SBI Cards and Payment Services Limited's P/E ratio?
Investors pay ₹22.8 for every ₹1 of SBI Cards and Payment Services Limited's yearly profit, higher than 65% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For SBI Cards and Payment Services Limited: ₹51,917 Cr ÷ ₹15,726 Cr (31 Mar 2026) = 3.3.
What is SBI Cards and Payment Services Limited's return on equity?
SBI Cards and Payment Services Limited earned 14.5% on its shareholders' money over the last year, higher than 71% of Financial Services companies in India.
How much does SBI Cards and Payment Services Limited owe compared with what it owns?
SBI Cards and Payment Services Limited owes ₹0.76 for every ₹1 it owns (moderate), higher than 60% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does SBI Cards and Payment Services Limited pay a dividend?
Yes. SBI Cards and Payment Services Limited pays 0.44% of its share price as dividends a year, lower than 72% of dividend-paying Financial Services companies in India.
Is SBI Cards and Payment Services Limited's revenue growing?
Revenue rose 10% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.