S

SBI Cards and Payment Services Ltd
NSE:SBICARD

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SBI Cards and Payment Services Ltd
NSE:SBICARD
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Price: 885.15 INR 1.98% Market Closed
Market Cap: 842.3B INR

Income Statement

Earnings Waterfall
SBI Cards and Payment Services Ltd

Revenue
191.3B INR
Cost of Revenue
-8B INR
Gross Profit
183.4B INR
Operating Expenses
-131.9B INR
Operating Income
51.4B INR
Other Expenses
-32.2B INR
Net Income
19.2B INR

Income Statement
SBI Cards and Payment Services Ltd

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Income Statement
Currency: INR
Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Interest Expense
0
12 379
0
0
0
9 775
0
0
0
10 263
0
0
0
16 439
0
0
0
25 893
0
0
0
31 784
0
0
Revenue
87 584
N/A
92 764
+6%
93 603
+1%
94 779
+1%
94 020
-1%
92 775
-1%
94 872
+2%
96 500
+2%
101 363
+5%
106 773
+5%
114 163
+7%
121 371
+6%
127 548
+5%
136 666
+7%
144 782
+6%
152 685
+5%
163 831
+7%
169 684
+4%
174 154
+3%
177 491
+2%
177 461
0%
180 722
+2%
185 906
+3%
191 306
+3%
Gross Profit
Cost of Revenue
0
0
0
0
0
(6 067)
0
0
0
(10 226)
(13 533)
(16 422)
(19 915)
(13 715)
(14 336)
(15 856)
(17 881)
(16 421)
(13 961)
(11 028)
(6 947)
(6 332)
(6 740)
(7 956)
Gross Profit
0
N/A
0
N/A
0
N/A
0
N/A
0
N/A
86 708
N/A
0
N/A
0
N/A
0
N/A
96 546
N/A
45 973
-52%
76 054
+65%
107 633
+42%
122 951
+14%
130 446
+6%
136 829
+5%
145 950
+7%
153 263
+5%
160 193
+5%
166 463
+4%
170 514
+2%
174 390
+2%
179 166
+3%
183 350
+2%
Operating Income
Operating Expenses
(59 897)
(57 619)
(65 667)
(69 839)
(73 451)
(59 714)
(76 576)
(77 118)
(80 593)
(65 732)
(70 505)
(71 643)
(69 790)
(76 509)
(87 388)
(90 137)
(96 122)
(95 203)
(104 987)
(112 077)
(117 276)
(116 889)
(127 619)
(131 940)
Selling, General & Administrative
(12 626)
(37 088)
(12 704)
(12 884)
(13 010)
(30 047)
(4 960)
(4 885)
(4 782)
(34 092)
(4 949)
(5 092)
(5 304)
(42 693)
(5 685)
(5 874)
(5 896)
(48 690)
(5 586)
(5 595)
(5 674)
(53 453)
(6 167)
(6 256)
Depreciation & Amortization
(982)
(1 038)
(1 036)
(1 144)
(1 190)
(1 233)
(1 280)
(1 377)
(1 435)
(1 486)
(1 551)
(1 539)
(1 580)
(1 638)
(1 722)
(1 805)
(1 902)
(1 968)
(1 986)
(2 021)
(2 001)
(1 468)
(1 341)
(1 188)
Other Operating Expenses
(46 287)
(19 492)
(51 927)
(55 811)
(59 251)
(28 435)
(70 337)
(70 855)
(74 376)
(30 154)
(64 005)
(65 012)
(62 906)
(32 178)
(79 980)
(82 459)
(88 324)
(44 545)
(97 416)
(104 461)
(109 601)
(61 968)
(120 109)
(124 497)
Operating Income
27 687
N/A
35 145
+27%
27 936
-21%
24 940
-11%
20 569
-18%
26 994
+31%
18 296
-32%
19 383
+6%
20 769
+7%
30 815
+48%
30 125
-2%
33 306
+11%
37 843
+14%
46 442
+23%
43 058
-7%
46 692
+8%
49 828
+7%
58 060
+17%
55 206
-5%
54 386
-1%
53 238
-2%
57 501
+8%
51 548
-10%
51 410
0%
Pre-Tax Income
Interest Income Expense
(11 657)
(12 965)
(12 736)
(12 184)
(11 341)
(10 847)
(10 609)
(10 509)
(10 675)
(9 822)
(11 075)
(12 211)
(14 078)
(15 357)
(19 103)
(21 477)
(23 789)
(25 808)
(27 910)
(29 740)
(31 071)
(31 760)
(32 244)
(31 968)
Non-Reccuring Items
0
(4 890)
0
0
0
(2 970)
(474)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Gain/Loss on Disposition of Assets
0
(2)
0
0
0
(2)
0
0
0
(6)
0
0
0
2
0
0
0
(0)
0
0
0
17
0
0
Total Other Income
3 988
8
2 043
2 249
2 774
62
4 844
5 043
6 179
735
6 978
7 348
6 336
(781)
5 907
5 685
5 394
66
5 048
5 055
5 335
49
5 995
6 402
Pre-Tax Income
20 016
N/A
17 296
-14%
17 243
0%
15 007
-13%
12 004
-20%
13 237
+10%
12 058
-9%
13 917
+15%
16 273
+17%
21 722
+33%
26 028
+20%
28 443
+9%
30 101
+6%
30 306
+1%
29 862
-1%
30 900
+3%
31 432
+2%
32 318
+3%
32 343
+0%
29 701
-8%
27 502
-7%
25 807
-6%
25 299
-2%
25 844
+2%
Net Income
Tax Provision
(5 921)
(4 848)
(4 316)
(3 828)
(3 075)
(3 392)
(3 099)
(3 571)
(4 166)
(5 560)
(6 643)
(7 251)
(7 673)
(7 721)
(7 613)
(7 878)
(8 014)
(8 239)
(8 254)
(7 598)
(7 057)
(6 643)
(6 520)
(6 662)
Income from Continuing Operations
14 095
12 448
12 926
11 177
8 927
9 845
8 958
10 346
12 107
16 161
19 385
21 192
22 429
22 585
22 249
23 022
23 418
24 079
24 089
22 103
20 445
19 164
18 779
19 183
Net Income (Common)
14 095
N/A
12 448
-12%
12 926
+4%
11 177
-14%
8 927
-20%
9 845
+10%
8 958
-9%
10 346
+15%
12 107
+17%
16 161
+33%
19 385
+20%
21 192
+9%
22 429
+6%
22 585
+1%
22 249
-1%
23 022
+3%
23 418
+2%
24 079
+3%
24 089
+0%
22 103
-8%
20 445
-8%
19 164
-6%
18 779
-2%
19 183
+2%
EPS (Diluted)
15.09
N/A
13.21
-12%
13.62
+3%
11.76
-14%
9.41
-20%
10.38
+10%
9.44
-9%
10.9
+15%
12.76
+17%
17.02
+33%
20.4
+20%
22.28
+9%
23.59
+6%
23.8
+1%
23.41
-2%
24.23
+4%
24.65
+2%
25.37
+3%
25.33
0%
23.23
-8%
21.48
-8%
20.13
-6%
19.72
-2%
20.14
+2%