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SBI Cards & Payment Services Ltd (IN:SBICARD)
:SBICARD
India Market
SBICARD
SBI Cards & Payment Services Ltd
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SBI Cards & Payment Services Ltd (SBICARD) Ratios

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SBI Cards & Payment Services Ltd Ratios

IN:SBICARD's free cash flow for Q2 2026 was ₹0.79. For the 2026 fiscal year, IN:SBICARD's free cash flow was decreased by ₹ and operating cash flow was ₹0.37. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.00 0.00 1.87 1.81 0.71
Quick Ratio
 0.00 0.00 1.87 1.81 -1.04
Cash Ratio
 0.00 0.00 1.72 1.81 0.96
Solvency Ratio
 0.05 0.05 0.04 0.06 0.07
Operating Cash Flow Ratio
 0.00 0.00 -1.34 -3.62 -4.78
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 -0.18 -0.29
Net Current Asset Value
₹ -479.99B₹ -479.99B₹ -487.90B₹ -433.58B₹ -347.26B
Leverage Ratios
Debt-to-Assets Ratio
 0.66 0.66 0.69 0.69 0.69
Debt-to-Equity Ratio
 2.80 2.80 3.26 3.34 3.21
Debt-to-Capital Ratio
 0.74 0.74 0.77 0.77 0.76
Long-Term Debt-to-Capital Ratio
 0.74 0.74 0.77 0.44 0.46
Financial Leverage Ratio
 4.22 4.22 4.76 4.81 4.63
Debt Service Coverage Ratio
 2.25 0.00 0.65 0.08 0.10
Interest Coverage Ratio
 3.32 0.00 0.81 1.25 1.84
Debt to Market Cap
 0.72 0.73 0.55 0.61 0.45
Interest Debt Per Share
 479.62 463.07 505.76 452.40 351.32
Net Debt to EBITDA
 9.61 13.69 15.48 10.96 9.45
Profitability Margins
Gross Profit Margin
80.92%77.99%81.78%83.12%86.66%
EBIT Margin
20.84%14.07%14.79%21.07%24.60%
EBITDA Margin
21.52%14.73%15.63%22.35%25.93%
Operating Profit Margin
26.28%38.03%14.79%21.07%24.60%
Pretax Profit Margin
14.44%14.07%14.79%21.07%24.60%
Net Profit Margin
10.74%10.46%10.98%15.70%18.33%
Continuous Operations Profit Margin
10.74%10.46%10.98%15.70%18.33%
Net Income Per EBT
74.38%74.38%74.26%74.51%74.52%
EBT Per EBIT
54.94%36.99%100.00%100.00%100.00%
Return on Assets (ROA)
3.27%3.27%2.92%4.14%4.96%
Return on Equity (ROE)
14.53%13.78%13.91%19.93%22.98%
Return on Capital Employed (ROCE)
7.99%11.87%4.04%5.70%6.86%
Return on Invested Capital (ROIC)
5.95%8.83%3.00%2.65%9.79%
Return on Tangible Assets
3.27%3.27%2.93%4.15%4.97%
Earnings Yield
3.53%3.58%2.34%3.69%3.23%
Efficiency Ratios
Receivables Turnover
 749.00 768.66 74.08 22.88 18.47
Payables Turnover
 2.25 2.66 2.00 1.72 1.18
Inventory Turnover
 0.00 0.00 0.00 0.00 0.67
Fixed Asset Turnover
 127.73 131.08 76.89 34.99 27.16
Asset Turnover
 0.30 0.31 0.27 0.26 0.27
Working Capital Turnover Ratio
 15.50 10.40 13.41 37.59 -32.24
Cash Conversion Cycle
 -162.05 -136.84 -178.00 -196.58 253.22
Days of Sales Outstanding
 0.49 0.47 4.93 15.95 19.76
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 543.30
Days of Payables Outstanding
 162.54 137.32 182.93 212.53 309.84
Operating Cycle
 0.49 0.47 4.93 15.95 563.05
Cash Flow Ratios
Operating Cash Flow Per Share
 -44.22 165.89 -22.49 -57.48 -70.64
Free Cash Flow Per Share
 -44.40 165.54 -23.08 -58.27 -71.63
CapEx Per Share
 0.17 0.35 0.59 0.79 0.99
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.03 1.01 1.01
Dividend Paid and CapEx Coverage Ratio
 -252.56 62.98 -6.24 -12.47 -21.78
Capital Expenditure Coverage Ratio
 -252.72 469.25 -38.39 -73.18 -71.42
Operating Cash Flow Coverage Ratio
 -0.10 0.36 -0.05 -0.14 -0.21
Operating Cash Flow to Sales Ratio
 -0.21 0.76 -0.12 -0.36 -0.54
Free Cash Flow Yield
-6.88%26.05%-2.68%-8.47%-9.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 28.19 27.91 42.81 27.10 30.95
Price-to-Sales (P/S) Ratio
 3.03 2.92 4.70 4.25 5.67
Price-to-Book (P/B) Ratio
 3.88 3.85 5.95 5.40 7.11
Price-to-Free Cash Flow (P/FCF) Ratio
 -14.44 3.84 -37.35 -11.81 -10.33
Price-to-Operating Cash Flow Ratio
 -14.51 3.83 -38.32 -11.97 -10.48
Price-to-Earnings Growth (PEG) Ratio
 2.18 2.15 -2.07 4.41 0.79
Price-to-Fair Value
 3.88 3.85 5.95 5.40 7.11
Enterprise Value Multiple
 23.67 33.52 45.55 29.99 31.33
Enterprise Value
 1.03T 1.02T 1.24T 1.03T 1.00T
EV to EBITDA
 23.76 33.52 45.55 29.99 31.33
EV to Sales
 5.11 4.94 7.12 6.70 8.12
EV to Free Cash Flow
 -24.41 6.49 -56.57 -18.61 -14.80
EV to Operating Cash Flow
 -24.50 6.47 -58.04 -18.86 -15.00
Tangible Book Value Per Share
 164.41 164.49 143.75 126.09 102.83
Shareholders’ Equity Per Share
 165.18 165.26 144.84 127.42 104.10
Tax and Other Ratios
Effective Tax Rate
 0.26 0.26 0.26 0.25 0.25
Revenue Per Share
 211.95 217.62 183.35 161.76 130.48
Net Income Per Share
 22.76 22.77 20.14 25.39 23.92
Tax Burden
 0.74 0.74 0.74 0.75 0.75
Interest Burden
 0.69 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 <0.01 0.00 0.21 0.02 0.02
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 -1.70 7.29 -1.12 -2.26 -2.20
Currency in INR