SBI Cards
Credit Services · SBICARD
Large CapFinancial ServicesHigh Growth
Abhijit Chakravorty
Managing Director and CEO · Transactional
Company DNA
Bureaucratic
About
SBI Cards is a Large Cap company in the Financial Services sector, listed on NSE as SBICARD. With a market cap of ₹68K Cr and revenue of ₹14K Cr, it is currently in the High Growth phase. Known for its Bureaucratic culture and Fast-Follower approach to innovation, the company operates at a Steady-Marathon pace. Functions as a state-linked entity, exhibiting deep-seated procedural rigor, risk aversion, and a structured hierarchy common in banking subsidiaries. Its strategic mandate: Needs to defend market share in a tightening credit environment by enhancing digital customer engagement and retention.
FAQ
What kind of company is SBI Cards?
SBI Cards is a Large Cap Financial Services company (SBICARD) in the High Growth phase with a market cap of ₹68K Cr. It is classified as Bureaucratic in culture.
What is SBI Cards's culture and work environment like?
SBI Cards has a Bureaucratic culture with Fast-Follower innovation DNA and a Steady-Marathon pace of execution. Employee brand: Steady Employer. Customer relationship style: Mass-Consumer. Functions as a state-linked entity, exhibiting deep-seated procedural rigor, risk aversion, and a structured hierarchy common in banking subsidiaries.
Who leads SBI Cards?
SBI Cards is led by Abhijit Chakravorty (Managing Director and CEO), a Transactional leader with 37 years of experience.
What are SBI Cards's financials?
SBI Cards reported revenue of ₹14K Cr in FY25 with a 5-year revenue CAGR of 18.2%. Operating margin: —. Market cap: ₹68K Cr.
Culture & Strategy
CultureBureaucratic
InnovationFast-Follower
PaceSteady-Marathon
PurposeProfit-Pure
CustomerMass-Consumer
EmployeeSteady Employer
BrandTrusted
LifecycleHigh Growth
Functions as a state-linked entity, exhibiting deep-seated procedural rigor, risk aversion, and a structured hierarchy common in banking subsidiaries.
Mandate
Needs to defend market share in a tightening credit environment by enhancing digital customer engagement and retention.
Needs to defend market share in a tightening credit environment by enhancing digital customer engagement and retention.
Financials
Revenue FY25₹14K Cr
PAT FY25₹2K Cr
Rev CAGR 5Y18.2%
OPM—
NPM13.4%
ROE13.9%
ROCE—
P/E32.1
Fwd P/E22
P/B4.5
D/E332.8
Mkt Cap₹68K Cr
Promoter68.6%
Institutional24.3%
Similar Culture
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