SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. The company also acts as corporate insurance agent for selling insurance policies to credit card customers. It offers corporate cards, central travel cards, utility cards, and corporate purchase and virtual cards. The company was incorporated in 1998 and is based in Gurugram, India. SBI Cards and Payment Services Limited is a subsidiary of State Bank of India.

SBI Cards and Payment Services Limited

Kasisto provides a conversational AI platform, KAI, designed to enhance digital banking experiences and empower financial institutions with tailored customer and employee interactions. Self-described as a leader in generative AI for banking.

Kasisto

SBI Card provides credit card services and solutions for both personal and corporate clients in India.

Metric
Company Name	SBI Cards and Payment Services Limited	Kasisto
Symbol	SBICARD
MSH ID	COM:SBICARD	COM:KASISTO
Market	STOCKS	PRIVATE
Sector	Financial Services	Technology
Industry	Financial - Credit Services	Financial Services
Country	IN	US
Stage
Employee Count	3.91K
Website	sbicard.com	kasisto.com
LinkedIn
Founders

Metric
Market Cap	8.33B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	2.07B
Revenue (LTM)
Revenue (NTM)
Gross Profit	1.54B
EBITDA	795.03M
Operating Income	771.74M
Net Income	285.04M
EPS	0.30
Diluted EPS	0.30
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.72
Operating Profit Margin	0.34
EBITDA Margin	0.38
Net Profit Margin	0.18
Return on Equity	0.22
Return on Assets	0.04
Return on Capital Employed	0.09

COM:SBICARD

SBI Card

Last Close

679.70

25/11 09:40

Market Cap

704.86B

Beta: -

Volume Today

798.10K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	28.52
P/B Ratio	6.04
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	5.25
EV Multiple	9.53

Metric
Days Sales Outstanding	9.23
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle	6.24
Cash Conversion Cycle
Asset Turnover	0.27

Metric
Operating Cash Flow	880.35M
Free Cash Flow	871.53M
Cash Flow to Debt	0.01
Operating Cash Flow/Sales	0.02
Free Cash Flow Yield	0.00

Metric
Cash & Equivalents	-323.13M
Accounts Receivable	-11.85M
Inventory
Goodwill
Debt to Capitalization	0.85
Debt to Assets	0.68
Current Ratio	1.13
Quick Ratio	5.59

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.00
R&D to Revenue
SG&A to Revenue