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SBI Cards Complete Financial Statements

12 Years of Data
2026 - 2015

In FYNone, SBI Cards (SBICARD) reported revenue ₹20,882 Cr, net profit ₹2,275 Cr and EPS ₹23.90, with a net profit margin of 10.5% and ROE of 13.8%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Compare with SBICARD DCF valuation to assess whether the stock is under or overvalued.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin 10.46% 2026 data
EBITDA Margin 29.56% 2026 data
Operating Margin 27.00% 2026 data
Return on Assets 3.27% 2026 data
Return on Equity 13.78% 2026 data

Balance Sheet Ratios

Current Ratio 0.36 2026 data
Equity Ratio 23.71% 2026 data
Asset Turnover 0.31 2026 data

SBICARD Revenue, Net Profit & EBITDA — Year-on-Year Growth

SBICARD YoY (March 2026 vs Period) — revenue +0.8%, net profit +5.0%, EBITDA +1.2%, expenses +0.7%.

Revenue Growth
+0.8%
Year-over-Year
Net Profit Growth
+5.0%
Year-over-Year
EBITDA Growth
+1.2%
Year-over-Year
Expense Growth
+0.7%
Year-over-Year
Assets Growth
+1.2%
Year-over-Year
Equity Growth
+14.1%
Year-over-Year
Operating Cash Flow Growth
+123.0%
Year-over-Year
Investing Cash Flow Growth
+109.9%
Year-over-Year
Financing Cash Flow Growth
-125.0%
Year-over-Year

SBICARD Income Statement — Revenue, EBITDA & Net Profit

SBI Cards revenue ₹20,882 Cr, EBITDA ₹6,193 Cr, net profit ₹2,275 Cr, EPS ₹23.90 (None) — net profit margin 10.5%. For live price, earnings ratios and company overview, see SBICARD share price.

Periods ₹ Crores
Particulars None March 2026 March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018 March 2017 March 2016 March 2015
Revenue 20,882 20,708 18,637 17,484 14,286 11,302 9,714 9,752 7,287 5,370 3,364 2,492 1,905
Expenses 14,689 14,587 12,731 11,460 9,444 7,954 7,223 6,618 4,887 3,726 2,242 1,623 1,260
EBITDA 6,193 6,121 5,906 6,024 4,842 3,348 2,490 3,134 2,400 1,644 1,121 869 644
Operating Profit Margin % 27.00% 27.00% 30.00% 32.00% 31.00% 26.00% 22.00% 29.00% 30.00% 28.00% 31.00% 32.00% 31.00%
Depreciation 132 136 147 197 164 149 123 104 55 14 1 1 1
Interest 3,003 3,072 3,178 2,595 1,648 1,027 1,043 1,301 1,009 708 522 430 373
Profit Before Tax 3,058 2,913 2,581 3,232 3,031 2,172 1,324 1,730 1,335 923 599 438 271
Tax 788 747 664 824 772 556 339 485 470 320 208 154 4
Net Profit 2,275 2,167 1,916 2,408 2,259 1,616 985 1,245 865 604 390 284 267
Earnings Per Share (₹) 23.90 22.77 20.15 25.39 23.92 17.16 10.48 13.35 9.45 7.69 4.97 3.62 3.40

SBICARD Balance Sheet — Assets, Liabilities & Shareholders' Equity

SBICARD total assets ₹66,328 Cr, total equity ₹15,726 Cr, total liabilities ₹ Cr (2026) — ROE 13.8%.

Years Annual Data ₹ Crores
Particulars 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
ASSETS
Total Assets 66,328 65,546 58,171 45,546 34,648 27,013 25,307 20,146 15,583 10,829 7,880 6,257
Current Assets 6,110 6,610 4,654 3,225 2,492 1,883 1,884 1,856 1,276 10,020 7,196 5,620
Fixed Assets 219 320 542 551 440 308 311 196 140 4 2 2
Capital Work in Progress 12 10 22 23 14 10 24 20 35 0 0 0
Investments 6,374 6,235 3,519 2,140 1,297 958 2 2 0 0 0 0
Other Assets 59,723 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
Current Liabilities 16,956 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 15,726 13,782 12,084 9,830 7,753 6,302 5,341 3,588 2,357 1,451 1,155 966
Share Capital 952 951 951 946 943 941 939 837 785 785 785 785
Reserves & Surplus 14,774 12,830 11,133 8,884 6,810 5,359 4,402 2,751 1,572 666 370 181

SBICARD Cash Flow Statement — Operating, Investing & Financing

SBI Cards operating cash flow ₹493 Cr, investing ₹246 Cr, financing ₹-1,172 Cr, net cash flow ₹-434 Cr (2026).

Periods ₹ Crores
Particulars March 2026 March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018 March 2017 March 2016 March 2015
Operating Activities 493 -2,141 -5,653 -6,671 -4,392 692 -4,063 -2,327 -2,891 -2,235 -1,158 -879
Investing Activities 246 -2,491 -1,255 -921 -538 -997 -77 -76 128 -1 1 1
Financing Activities -1,172 4,687 8,401 7,824 5,045 432 3,923 2,824 2,953 2,244 1,141 1,008
Net Cash Flow -434 56 1,492 232 115 127 -218 422 190 9 -17 130