S
SBI Cards and Payment Services Ltd
NSE:SBICARD
SBI Cards and Payment Services Ltd
NSE:SBICARD
Price:
772.05
INR
0.42%
Market Cap:
₹734.6B
Income Statement
Earnings Waterfall
SBI Cards and Payment Services Ltd
SBI Cards and Payment Services Ltd
Income Statement
SBI Cards and Payment Services Ltd
SBI Cards and Payment Services Ltd
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 | Dec-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
|
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%
|
196 391
+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)
|
(9 986)
|
|
| 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%
|
186 405
+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)
|
(133 899)
|
|
| 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)
|
(6 576)
|
|
| 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)
|
(1 039)
|
|
| 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)
|
(126 284)
|
|
| 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%
|
52 506
+2%
|
|
| 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)
|
(31 532)
|
|
| 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
|
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
|
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
|
7 185
|
|
| 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%
|
28 159
+9%
|
|
| 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)
|
(7 242)
|
|
| 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
|
20 917
|
|
| 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%
|
20 917
+9%
|
|
| 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%
|
21.96
+9%
|
|
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