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SBI Cards & Payment Services Valuation Multiples
Discover revenue and EBITDA valuation multiples for SBI Cards & Payment Services and similar public comparables like AU Small Finance Bank, Bajaj Housing Finance, FirstCash, Sundaram Finance and more.
SBI Cards & Payment Services Overview
About SBI Cards & Payment Services
SBI Cards and Payment Services Ltd is a credit card issuer in India. The company offers a credit card portfolio to individual cardholders and corporate clients, including lifestyle, rewards, travel and fuel, shopping, banking partnership cards, and corporate cards covering all cardholder segments in terms of income profiles and lifestyles. It offers four primary SBI Card-branded credit cards SimplySave, SimplyClick, Prime, and Elite, each catering to a varying set of cardholder needs. The company earns revenue from selling credit card memberships to card holders, and income earned from the provision of membership services.
Founded
1998
HQ
Employees
4.1K
Website
Financials (LTM)
EV
$14B
SBI Cards & Payment Services Financials
SBI Cards & Payment Services reported last 12-month revenue of $2B.
In the same LTM period, SBI Cards & Payment Services generated $239M in net income.
Revenue (LTM)
SBI Cards & Payment Services P&L
In the most recent fiscal year, SBI Cards & Payment Services reported revenue of $2B and net income of $225M.
SBI Cards & Payment Services expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $2B | XXX | $2B | XXX | XXX | XXX |
| EBIT Margin | 45% | XXX | 41% | XXX | XXX | XXX |
| Net Profit | $239M | XXX | $225M | XXX | XXX | XXX |
| Net Margin | 12% | XXX | 11% | XXX | XXX | XXX |
| Net Debt | — | — | $5B | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
SBI Cards & Payment Services Stock Performance
SBI Cards & Payment Services has current market cap of $8B, and enterprise value of $14B.
Market Cap Evolution
SBI Cards & Payment Services' stock price is $8.56.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $14B | $8B | 0.4% | XXX | XXX | XXX | $0.24 |
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Start Free TrialSBI Cards & Payment Services Valuation Multiples
SBI Cards & Payment Services trades at 7.0x EV/Revenue multiple.
EV / Revenue (LTM)
SBI Cards & Payment Services Financial Valuation Multiples
As of March 7, 2026, SBI Cards & Payment Services has market cap of $8B and EV of $14B.
Equity research analysts estimate SBI Cards & Payment Services' 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
SBI Cards & Payment Services has a P/E ratio of 34.1x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $8B | XXX | $8B | XXX | XXX | XXX |
| EV (current) | $14B | XXX | $14B | XXX | XXX | XXX |
| EV/Revenue | 7.0x | XXX | 6.4x | XXX | XXX | XXX |
| EV/EBIT | 15.7x | XXX | 15.5x | XXX | XXX | XXX |
| P/E | 34.1x | XXX | 36.2x | XXX | XXX | XXX |
| EV/FCF | — | XXX | (56.5x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified SBI Cards & Payment Services Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
SBI Cards & Payment Services Margins & Growth Rates
SBI Cards & Payment Services' revenue in the last 12 month grew by 10%.
SBI Cards & Payment Services' revenue per employee in the last FY averaged $0.5M, while opex per employee averaged $0.3M for the same period.
SBI Cards & Payment Services Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 10% | XXX | (10%) | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.5M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 14% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 1% | XXX | XXX | XXX |
| Opex to Revenue | 56% | XXX | 38% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
SBI Cards & Payment Services Public Comps
See public comps and valuation multiples for other Consumer Finance and Card Networks comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| AU Small Finance Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Bajaj Housing Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| FirstCash | XXX | XXX | XXX | XXX | XXX | XXX |
| Sundaram Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| OneMain Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
SBI Cards & Payment Services M&A Activity
SBI Cards & Payment Services acquired XXX companies to date.
Last acquisition by SBI Cards & Payment Services was on XXXXXXXX, XXXXX. SBI Cards & Payment Services acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by SBI Cards & Payment Services
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialSBI Cards & Payment Services Investment Activity
SBI Cards & Payment Services invested in XXX companies to date.
SBI Cards & Payment Services made its latest investment on XXXXXXXX, XXXXX. SBI Cards & Payment Services invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by SBI Cards & Payment Services
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout SBI Cards & Payment Services
| When was SBI Cards & Payment Services founded? | SBI Cards & Payment Services was founded in 1998. |
| Where is SBI Cards & Payment Services headquartered? | SBI Cards & Payment Services is headquartered in India. |
| How many employees does SBI Cards & Payment Services have? | As of today, SBI Cards & Payment Services has over 4K employees. |
| Who is the CEO of SBI Cards & Payment Services? | SBI Cards & Payment Services' CEO is Salila Pande. |
| Is SBI Cards & Payment Services publicly listed? | Yes, SBI Cards & Payment Services is a public company listed on National Stock Exchange of India. |
| What is the stock symbol of SBI Cards & Payment Services? | SBI Cards & Payment Services trades under SBICARD ticker. |
| When did SBI Cards & Payment Services go public? | SBI Cards & Payment Services went public in 2020. |
| Who are competitors of SBI Cards & Payment Services? | SBI Cards & Payment Services main competitors are AU Small Finance Bank, Bajaj Housing Finance, FirstCash, Sundaram Finance. |
| What is the current market cap of SBI Cards & Payment Services? | SBI Cards & Payment Services' current market cap is $8B. |
| What is the current revenue of SBI Cards & Payment Services? | SBI Cards & Payment Services' last 12 months revenue is $2B. |
| What is the current revenue growth of SBI Cards & Payment Services? | SBI Cards & Payment Services revenue growth (NTM/LTM) is 10%. |
| What is the current EV/Revenue multiple of SBI Cards & Payment Services? | Current revenue multiple of SBI Cards & Payment Services is 7.0x. |
| Is SBI Cards & Payment Services profitable? | Yes, SBI Cards & Payment Services is net-income-positive (as of the last 12 months). |
| What is the current net income of SBI Cards & Payment Services? | SBI Cards & Payment Services' last 12 months net income is $239M. |
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