SBI Cards and Payment Services Limited (BOM:543066)

BOM:543066 Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	97,973	93,473	79,271	61,530	48,660	49,467
Total Interest Expense	31,968	31,784	25,893	16,439	10,263	9,775
Net Interest Income	66,005	61,689	53,378	45,091	38,397	39,692
Commissions and Fees	85,742	80,029	81,647	66,042	52,266	39,077
Gain (Loss) on Sale of Investments	-	-	-	4.8	4	1.8
Other Revenue	7,590	7,220	8,766	9,095	5,847	4,421
Revenue Before Loan Losses	159,338	148,938	143,791	120,233	96,513	83,192
Provision for Loan Losses	52,031	48,715	32,865	21,554	22,550	4,787
Revenue	107,306	100,223	110,926	98,679	73,963	78,405
Revenue Growth (YoY)	0.83%	-9.65%	12.41%	33.42%	-5.67%	6.98%
Salaries & Employee Benefits	6,256	5,896	5,697	5,619	4,727	4,916
Cost of Services Provided	80,405	72,702	76,026	67,227	52,231	40,316
Other Operating Expenses	-6,322	-5,602	-4,910	-5,985	-5,068	-2,764
Total Operating Expenses	81,510	74,464	78,781	68,499	53,376	65,296
Operating Income	25,797	25,759	32,145	30,180	20,588	13,109
Currency Exchange Gain (Loss)	23.6	23.6	-	90.4	30.1	-
EBT Excluding Unusual Items	25,820	25,783	32,317	30,303	21,714	13,149
Other Unusual Items	24.1	24.1	0.6	0.9	7.5	88.7
Pretax Income	25,844	25,807	32,318	30,306	21,722	13,237
Income Tax Expense	6,662	6,643	8,239	7,721	5,560	3,392
Net Income	19,183	19,164	24,079	22,585	16,161	9,845
Net Income to Common	19,183	19,164	24,079	22,585	16,161	9,845
Net Income Growth	-13.21%	-20.41%	6.62%	39.75%	64.16%	-20.91%
Shares Outstanding (Basic)	951	951	948	944	942	940
Shares Outstanding (Diluted)	951	952	949	949	949	949
Shares Change (YoY)	0.08%	0.27%	0.02%	-0.03%	0.07%	0.70%
EPS (Basic)	20.17	20.15	25.39	23.92	17.16	10.48
EPS (Diluted)	20.17	20.14	25.37	23.80	17.02	10.38
EPS Growth	-13.27%	-20.61%	6.60%	39.84%	63.97%	-21.42%
Free Cash Flow	-23,724	-21,962	-57,279	-67,639	-44,914	6,354
Free Cash Flow Per Share	-24.94	-23.07	-60.34	-71.27	-47.31	6.70
Dividend Per Share	2.500	2.500	2.500	2.500	2.500	-
Operating Margin	24.04%	25.70%	28.98%	30.58%	27.83%	16.72%
Profit Margin	17.88%	19.12%	21.71%	22.89%	21.85%	12.56%
Free Cash Flow Margin	-22.11%	-21.91%	-51.64%	-68.55%	-60.72%	8.10%
Effective Tax Rate	25.78%	25.74%	25.49%	25.48%	25.60%	25.62%
Revenue as Reported	197,676	186,372	174,835	142,857	113,015	97,136

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.