SBI Cards Complete Financial Statements

SBICARD • Review detailed financials to uncover trends, confirm thesis & journal trades
11 Years of Data
2025 - 2015

Complete Financial Data Export

Export complete financial statements for SBI Cards (SBICARD). Downloads include all available records across all periods. For market performance, see the SBICARD stock price today .

Profitability Ratios

Net Profit Margin 10.28% 2025 data
EBITDA Margin 31.69% 2025 data
Operating Margin 30.00% 2025 data
Return on Assets 2.92% 2025 data
Return on Equity 13.90% 2025 data

Balance Sheet Ratios

Current Ratio 0.31 2025 data
Debt to Equity 4.76 2025 data
Equity Ratio 21.03% 2025 data
Asset Turnover 0.28 2025 data

Year-over-Year Growth Analysis

Comparing March 2025 vs Period
Revenue Growth
+6.1%
Year-over-Year
Net Profit Growth
+0.1%
Year-over-Year
EBITDA Growth
-0.1%
Year-over-Year
Expense Growth
+9.0%
Year-over-Year
Assets Growth
+12.7%
Year-over-Year
Equity Growth
+14.1%
Year-over-Year
Liabilities Growth
+12.7%
Year-over-Year
Operating Cash Flow Growth
+62.1%
Year-over-Year
Investing Cash Flow Growth
-98.5%
Year-over-Year
Financing Cash Flow Growth
-44.2%
Year-over-Year

Income Statement

Periods ₹ Crores
Particulars None March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018 March 2017 March 2016 March 2015
Revenue 19,770 18,637 17,484 14,286 11,302 9,714 9,752 7,287 5,370 3,364 2,492 1,905
Expenses 13,872 12,731 11,460 9,444 7,954 7,223 6,618 4,887 3,726 2,242 1,623 1,260
EBITDA 5,898 5,906 6,024 4,842 3,348 2,490 3,134 2,400 1,644 1,121 869 644
Operating Profit Margin % 28.00% 30.00% 32.00% 31.00% 26.00% 22.00% 29.00% 30.00% 28.00% 31.00% 32.00% 31.00%
Depreciation 117 147 197 164 149 123 104 55 14 1 1 1
Interest 3,197 3,178 2,595 1,648 1,027 1,043 1,301 1,009 708 522 430 373
Profit Before Tax 2,584 2,581 3,232 3,031 2,172 1,324 1,730 1,335 923 599 438 271
Tax 714 664 824 772 556 339 485 470 320 208 154 4
Net Profit 1,918 1,916 2,408 2,259 1,616 985 1,245 865 604 390 284 267
Earnings Per Share (₹) 20.20 20.15 25.39 23.92 17.16 10.48 13.35 9.45 7.69 4.97 3.62 3.40

Related Pages for SBI Cards

Additional stock information and data for SBICARD

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SBI Cards stock price data download
SBICARD shareholder distribution

Balance Sheet

Years Annual Data ₹ Crores
Particulars 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
ASSETS
Total Assets 65,546 58,171 45,546 34,648 27,013 25,307 20,146 15,583 10,829 7,880 6,257
Current Assets 4,603 4,654 3,225 2,492 1,883 1,884 1,856 1,276 10,020 7,196 5,620
Fixed Assets 320 542 551 440 308 311 196 140 4 2 2
Capital Work in Progress 10 22 23 14 10 24 20 35 0 0 0
Investments 6,235 3,519 2,140 1,297 958 2 2 0 0 0 0
Other Assets 58,980 54,088 42,832 32,898 25,737 24,971 19,928 15,407 10,826 7,878 6,256
LIABILITIES
Total Liabilities 65,546 58,171 45,546 34,648 27,013 25,307 20,146 15,583 10,829 7,880 6,257
Current Liabilities 14,972 13,097 10,716 7,987 5,019 4,733 3,232 1,663 549 387 273
Non-Current Liabilities
SHAREHOLDERS' EQUITY
Total Equity 13,782 12,084 9,830 7,753 6,302 5,341 3,588 2,357 1,451 1,155 966
Share Capital 951 951 946 943 941 939 837 785 785 785 785
Reserves & Surplus 12,830 11,133 8,884 6,810 5,359 4,402 2,751 1,572 666 370 181

Cash Flow Statement

Periods ₹ Crores
Particulars March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018 March 2017 March 2016 March 2015
Operating Activities -2,141 -5,653 -6,671 -4,392 692 -4,063 -2,327 -2,891 -2,235 -1,158 -879
Investing Activities -2,491 -1,255 -921 -538 -997 -77 -76 128 -1 1 1
Financing Activities 4,687 8,401 7,824 5,045 432 3,923 2,824 2,953 2,244 1,141 1,008
Net Cash Flow 56 1,492 232 115 127 -218 422 190 9 -17 130