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SBI Cards Complete Financial Statements

12 Years of Data
2026 - 2015

In FY2026, SBI Cards (SBICARD) reported revenue ₹19,900 Cr, net profit ₹2,161 Cr and EPS ₹22.77, with a net profit margin of 10.9% and ROE of 13.7%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore SBI Cards intrinsic worth to estimate fundamental worth using multiple valuation models.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin 10.86% 2026 data
EBITDA Margin 26.70% 2026 data
Operating Margin 27.00% 2026 data
Return on Assets 3.26% 2026 data
Return on Equity 13.74% 2026 data

Balance Sheet Ratios

Current Ratio 0.07 2026 data
Equity Ratio 23.71% 2026 data
Asset Turnover 0.30 2026 data

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

SBICARD YoY (March 2025 vs March 2026) — revenue +6.8%, net profit +12.8%, EBITDA -10.0%, expenses +14.6%. For live price, earnings ratios and company overview, see SBICARD share price.

Revenue Growth
+6.8%
Year-over-Year
Net Profit Growth
+12.8%
Year-over-Year
EBITDA Growth
-10.0%
Year-over-Year
Expense Growth
+14.6%
Year-over-Year
Assets Growth
+1.2%
Year-over-Year
Equity Growth
+14.1%
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

SBICARD Income Statement — Revenue, EBITDA & Net Profit

SBI Cards revenue ₹19,900 Cr, EBITDA ₹5,313 Cr, net profit ₹2,161 Cr, EPS ₹22.77 (2026) — net profit margin 10.9%. Review SBICARD P/E ratio to evaluate earnings-based valuation against sector peers.

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
Revenue 19,900 18,637 17,484 14,286 11,302 9,714 9,752 7,287 5,370 3,364 2,492 1,905
Expenses 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 5,313 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% 30.00% 32.00% 31.00% 26.00% 22.00% 29.00% 30.00% 28.00% 31.00% 32.00% 31.00%
Depreciation 136 147 197 164 149 123 104 55 14 1 1 1
Interest 3,072 3,178 2,595 1,648 1,027 1,043 1,301 1,009 708 522 430 373
Profit Before Tax 2,913 2,581 3,232 3,031 2,172 1,324 1,730 1,335 923 599 438 271
Tax 752 664 824 772 556 339 485 470 320 208 154 4
Net Profit 2,161 1,916 2,408 2,259 1,616 985 1,245 865 604 390 284 267
Earnings Per Share (₹) 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 13.7%.

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 2,944 4,603 4,654 3,225 2,492 1,883 1,884 1,856 1,276 10,020 7,196 5,620
Fixed Assets 231 320 542 551 440 308 311 196 140 4 2 2
Capital Work in Progress 0 10 22 23 14 10 24 20 35 0 0 0
Investments 0 6,235 3,519 2,140 1,297 958 2 2 0 0 0 0
Other Assets 0 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 45,230 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 ₹-2,141 Cr, investing ₹-2,491 Cr, financing ₹4,687 Cr, net cash flow ₹56 Cr (2025).

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