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SBI Cards AndPayment share price

SBI Cards And Payment Services Ltd.

NSE: SBICARD BSE: 543066 SECTOR: Finance - NBFC  206k   3k   1k

752.55
+3.10 (0.41%)
NSE: Today, 12:34 PM

Price Summary

Today's High

₹ 760.95

Today's Low

₹ 751.45

52 Week High

₹ 933

52 Week Low

₹ 678.9

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

71565.33 Cr.

Advances

0 Cr.

No. of Shares

95.1 Cr.

P/E

30.56

P/B

6.14

Face Value

₹ 10

Div. Yield

0.33 %

Book Value (TTM)

₹  122.61

Operating Revenue

13666.64 Cr.

Net Profit

2258.47 Cr.

Promoter Holding

68.63 %

EPS (TTM)

₹  24.63

Sales Growth

28

ROE

25.82 %

ROCE

14.83%

Profit Growth

39.74 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Index Presence

The company is present in 27 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year28%
3 Year13.79%
5 Year21.38%

Profit Growth

1 Year39.74%
3 Year21.97%
5 Year30.31%

ROE%

1 Year25.82%
3 Year21.99%
5 Year24.86%

ROCE %

1 Year14.83%
3 Year13.26%
5 Year14.79%

ROA%

5.66538064037086

PEG Ratio

0.78

PAT Margin (%)

16.5254224886292

EPS Growth(%)

39.3177706448789

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 68.63 0
Dec 2023 68.75 0
Sep 2023 68.94 0
Jun 2023 68.96 0
Mar 2023 69.02 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.92412851768789% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 21.9895570687316%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 13.7872325216712%.
  • Promoters shareholding is 68.63%.

 Limitations

  • The company is trading at 6.13785897972317 times the book value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 3507.12 3762.16 3911.88 4087.35 4621.7
Other Income 149.03 154.41 134.23 134.05 119.9
Interest Expended 464.28 507.26 571.07 604.86 695.49
Operating Expenses 2466.51 2564.58 2630.91 2760.33 3257.74
Total Provisions 0 0 0 0 0
Depreciation 41.03 45.06 47.56 46.8 50.78
Profit Before Tax 684.33 799.67 796.57 809.41 737.59
Tax 174.87 203.2 203.26 206.43 188.51
Net Profit 509.46 596.47 593.31 602.98 549.08
Adjusted EPS (RS) 5.39 6.3 6.27 6.37 5.78

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 6999.11 9276.4 9296.46 10677.27 13666.64
Other Income 287.74 475.89 417.12 1180.5 619.03
Interest 1308.35 1688.51 1400.1 1503.34 2284.04
Operating Expenses 3446.99 4329.21 4218.79 5275.27 6699.24
Total Provisions 1196.43 2004.93 2770.96 2907 2271.82
Exceptional Items 0 0 0 0 0
Profit Before Tax 1335.08 1729.64 1323.73 2172.16 3030.57
Tax 470.12 484.82 339.21 556.02 772.1
Profit After Tax 864.97 1244.82 984.52 1616.14 2258.47
Adjusted EPS (Rs.) 10.33 13.26 10.47 17.14 23.87

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 837.22 938.96 940.53 943.18 946.07
Total Reserves 2750.56 4402.26 5361.5 6809.52 8883.99
Borrowings 3232.01 4732.89 5019.12 7487.2 7966.75
Other N/C liabilities 11.46 -137.11 -264.78 -59.08 -57.69
Current liabilities 13151.66 15094.58 15561.4 19249.08 27559.78
Total Liabilities 19982.91 25031.58 26617.77 34429.9 45298.9
Assets
Loans 0 0 0 0 0
Net Block 196.22 310.91 308.1 439.46 550.96
Capital WIP 4.34 11.17 0.49 0.49 6.06
Intangible WIP 15.83 12.49 9.58 13.75 16.63
Investments 1.46 1.46 334.31 418.88 1572.08
Other Loans 65.35 31.51 72.07 61.3 30.81
Other N/C Assets 7.3 16.36 0 0 0
Current Assets 19692.4 24647.68 25893.22 33496.02 43122.36
Total Assets 19982.91 25031.58 26617.77 34429.9 45298.9
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 69.02 68.96 68.94 68.75 68.63
state bank of india 68.98 68.96 68.94 68.64 68.63
sbi life insurance compan... - - - 0.11 -
sbi life insurance co. lt... 0.04 - - - -
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 30.98 31.04 31.06 31.25 31.37
icici prudential multi-as... - - - 4.02 4.93
life insurance corporatio... 3.82 3.82 4.32 4.60 5.88
mirae asset large cap fun... 2.01 1.84 2.17 2.12 1.55
nippon life india trustee... 1.94 1.94 1.72 1.73 1.65
hdfc trustee company limi... 2.11 2.20 2.26 - -
icici prudential long ter... 2.93 2.82 2.97 - -
government pension fund g... - 1.02 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

SBI Card launches SBI Card MILES for Travel Enthusiasts24 Apr 2024, 9:50AM SBI Card, Titan launch Titan SBI Card21 Mar 2024, 12:42PM SBI Cards and Payment Services informs about board meeting14 Mar 2024, 11:25AM SBI Cards and Payment Services informs about analyst meet4 Mar 2024, 4:59PM SBI Cards and Payment Services informs about allotment of NCDs28 Feb 2024, 5:24PM SBI Cards and Payment Services raises Rs 750 crore through NCDs28 Feb 2024, 4:15PM SBI Cards AndPayment - Quaterly Results25 Jan 2024, 5:32PM SBI Cards AndPayment - Quaterly Results25 Jan 2024, 5:32PM SBI Cards AndPayment - Quaterly Results25 Jan 2024, 5:32PM SBI Card raises Rs 525 crore through NCDs24 Jan 2024, 4:29PM SBI Cards and Payment Services informs about allotment under ESOP21 Dec 2023, 2:44PM SBI Cards and Payment Services submits analyst meet intimation29 Nov 2023, 4:57PM SBI Cards and Payment Services informs about analyst meet28 Nov 2023, 2:32PM SBI Card partners with Reliance Retail to roll out Reliance SBI Card1 Nov 2023, 11:07AM SBI Cards and Payment Services reports 15% rise in Q2 net profit30 Oct 2023, 2:07PM SBI Cards and Payment Services informs about newspaper publication28 Oct 2023, 12:40PM SBI Cards AndPayment - Quaterly Results27 Oct 2023, 6:11PM SBI Cards AndPayment - Quaterly Results27 Oct 2023, 6:11PM SBI Cards AndPayment - Quaterly Results27 Oct 2023, 6:11PM SBI Cards and Payment Services informs about appointment of director4 Oct 2023, 5:22PM SBI Cards and Payment Services informs about trading window closure29 Sep 2023, 1:41PM SBI Cards and Payment launches new product ‘SimplySAVE Merchant SBI Card’6 Sep 2023, 11:29AM SBI Card enables RuPay credit cards on UPI10 Aug 2023, 3:12PM SBI Cards and Payment Services reports 5% fall in Q1 net profit31 Jul 2023, 2:46PM SBI Cards and Payment Services informs about newspaper publications29 Jul 2023, 12:13PM SBI Cards AndPayment - Quaterly Results28 Jul 2023, 3:56PM SBI Cards AndPayment - Quaterly Results28 Jul 2023, 3:56PM SBI Cards AndPayment - Quaterly Results28 Jul 2023, 3:56PM SBI Cards and Payment Services informs about press release24 Jun 2023, 1:42PM SBI Cards and Payment Services informs about disclosure20 Jun 2023, 4:57PM SBI Cards and Payment Services informs about updates20 Jun 2023, 4:18PM SBI Cards and Payment Services informs about vesting of options under ESOP scheme 201917 Jun 2023, 12:10PM SBI Cards and Payment Services informs about SBI card employee stock option plan 6 Jun 2023, 4:17PM SBI Cards gets nod to raise Rs 3,000 crore through NCDs5 Jun 2023, 4:30PM SBI Cards and Payment Services planning to raise funds worth Rs 3,000 crore 31 May 2023, 3:12PM SBI Cards and Payment Services informs about analyst meet24 May 2023, 11:15AM SBI Card raises Rs 810 crore through NCDs17 May 2023, 5:31PM SBI Card reports marginal rise in Q4 net profit 29 Apr 2023, 3:30PM SBI Cards AndPayment - Quaterly Results28 Apr 2023, 5:43PM SBI Cards AndPayment - Quaterly Results28 Apr 2023, 5:43PM SBI Cards AndPayment - Quaterly Results28 Apr 2023, 5:43PM SBI Cards and Payment Services informs about outcome of board meeting21 Mar 2023, 4:53PM SBI Cards and Payment Services informs about analyst meet17 Mar 2023, 5:15PM SBI Cards and Payment Services informs about analyst meet 16 Mar 2023, 10:11AM SBI Cards and Payment Services informs about board meeting 16 Mar 2023, 10:10AM SBI Cards and Payment Services informs about analyst meet 15 Mar 2023, 12:54PM SBI Cards and Payment Services informs about disclosure23 Feb 2023, 2:02PM SBI Cards and Payment Services informs about analyst meet 16 Feb 2023, 4:39PM SBI Cards and Payment Services reports 32% rise in Q3 net profit24 Jan 2023, 3:50PM SBI Cards AndPayment - Quaterly Results24 Jan 2023, 2:16PM

SBI Cards AndPayment Stock Price Analysis and Quick Research Report. Is SBI Cards AndPayment an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the SBI Cards AndPayment better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of SBI Cards AndPayment is Rs 2258.47 Cr and the compounded growth of profit in the past 3 years is 21.9649551874175 %. The PAT margin of SBI Cards AndPayment is 16.5254224886292 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In SBI Cards AndPayment , the EPS grew by 39.3177706448789 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): SBI Cards AndPayment has a healthy ROE track record. The ROE of SBI Cards AndPayment is at 25.8189641867861 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of SBI Cards AndPayment is worth at the current levels at Rs 749.45. The stock is trading at a current P/E ratio of 30.9796792071079 and the average historical P/E for the last 5 years was 43.222648772622.

  • P/B ratio can be one of the best metrics to value such companies. Currently, SBI Cards AndPayment is trading at a P/B of 6.1073 . The average historical P/B of SBI Cards AndPayment for the last 5 years was 8.48945978248358. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of SBI Cards AndPayment is Rs 749.45. One can use valuation calculators of ticker to know if SBI Cards AndPayment share price is undervalued or overvalued.

Last Updated on:
Brief about SBI Cards AndPayment

SBI Cards And Payment Services Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

SBI Cards And Payment Services Ltd. is one of the leading Indian companies that operates in the credit card and payment services industry. In this article, we will provide a comprehensive analysis of SBI Cards And Payment Services Ltd.'s stock from a long-term investor's perspective. We will cover various topics such as share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders.

SBI Cards And Payment Services Ltd. Share Price:

The share price of SBI Cards And Payment Services Ltd. is a crucial indicator of investor sentiment towards the company. The share price is influenced by various factors such as the company's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s share price and identify any trends or patterns. The company's share price has shown a steady upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

SBI Cards And Payment Services Ltd. Balance Sheet:

SBI Cards And Payment Services Ltd.'s balance sheet provides crucial information about its financial health. The company's assets include cash and cash equivalents, investments, and other assets, while liabilities include borrowings and other liabilities. Equity includes share capital, reserves, and surplus. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s balance sheet and identify any red flags. The company's balance sheet has remained strong over the past few years, reflecting the company's low debt levels and strong operating cash flows.

SBI Cards And Payment Services Ltd. Annual Report:

SBI Cards And Payment Services Ltd. releases an annual report every year, which provides detailed information about the company's financial performance, strategic initiatives, and future plans. The annual report includes a letter from the Chairman, financial statements, and management discussion and analysis. Long-term investors can download SBI Cards And Payment Services Ltd.'s annual report from our website and use it to make informed investment decisions. The annual report provides valuable insights into the company's operations and financial performance.

SBI Cards And Payment Services Ltd. Dividend:

SBI Cards And Payment Services Ltd. has a consistent dividend history. The company has paid dividends every year, reflecting its commitment to rewarding shareholders. Long-term investors should consider this when evaluating SBI Cards And Payment Services Ltd.'s stock. Our pre-built screening tools can be used to analyze the company's dividend history and identify any trends or patterns.

SBI Cards And Payment Services Ltd. Quarterly Results:

SBI Cards And Payment Services Ltd. releases its quarterly results every three months. The quarterly results provide information about the company's revenue, earnings, and expenses. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s quarterly results and identify any trends or patterns. The quarterly results are an important indicator of the company's financial health and performance.

SBI Cards And Payment Services Ltd. Stock Price:

The stock price of SBI Cards And Payment Services Ltd. is affected by various factors such as the company's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to track SBI Cards And Payment Services Ltd.'s stock price and identify potential buying opportunities. The stock price of SBI Cards And Payment Services Ltd. has shown a steady upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

SBI Cards And Payment Services Ltd. Price Chart:

A price chart provides a visual representation of a company's stock price over a period of time. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s price chart and identify any trends or patterns. The price chart shows that the stock price of SBI Cards And Payment Services Ltd. has shown a steady upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

SBI Cards And Payment Services Ltd. News:

Keeping up to date with the latest news about SBI Cards And Payment Services Ltd. is important for investors. Our website provides the latest news about SBI Cards And Payment Services Ltd. from various sources such as financial news websites and social media. Long-term investors can use this information to make informed investment decisions.

SBI Cards And Payment Services Ltd. Concall:

SBI Cards And Payment Services Ltd. holds conference calls with analysts and investors to discuss its financial performance and future plans. Long-term investors can listen to SBI Cards And Payment Services Ltd.'s concall and use the information provided to make informed investment decisions. Our website provides information about upcoming concalls and links to listen to past concalls.

SBI Cards And Payment Services Ltd. Transcripts:

Transcripts of SBI Cards And Payment Services Ltd.'s concalls are available on our website. Long-term investors can download the transcripts and use them to analyze the company's financial performance and future plans. The transcripts provide valuable insights into the company's operations and financial performance.

SBI Cards And Payment Services Ltd. Investor Presentations:

SBI Cards And Payment Services Ltd. provides investor presentations on its website. These presentations provide information about the company's financial performance, strategic initiatives, and future plans. Long-term investors can download SBI Cards And Payment Services Ltd.'s investor presentations from our website and use them to make informed investment decisions. The investor presentations provide valuable insights into the company's operations and financial performance.

SBI Cards And Payment Services Ltd. Promoters:

Promoters are individuals or entities that have a significant stake in a company. SBI Cards And Payment Services Ltd.'s promoters include the State Bank of India, which holds a majority stake in the company. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s promoter holdings and identify any potential conflicts of interest. The promoter holdings of SBI Cards And Payment Services Ltd. are relatively stable, which is a positive sign for long-term investors.

SBI Cards And Payment Services Ltd. Shareholders:

SBI Cards And Payment Services Ltd. has a large number of shareholders, including institutional investors and individual investors. Long-term investors can use our pre-built screening tools to analyze SBI Cards And Payment Services Ltd.'s shareholder base and identify any potential risks or opportunities. The shareholder base of SBI Cards And Payment Services Ltd. is diverse, which is a positive sign for long-term investors.

SBI Cards And Payment Services Ltd. Premium Features:

Our website provides premium features tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can help long-term investors make better investment decisions by providing more detailed insights into the company's financial performance and valuation.

SBI Cards And Payment Services Limited ROCE

Return on Capital Employed (ROCE) is a key profitability ratio for measuring the efficiency of SBI Cards And Payment Services Limited in generating profits from its capital investments. The ROCE data can be found in the financials table above or in the ratio section of this page.

SBI Cards And Payment Services Limited EBITDA

EBITDA, which stands for Earnings Before Interest, Taxes, Depreciation, and Amortization, is an important measure of SBI Cards And Payment Services Limited's operating performance. This metric provides insight into the company's earnings potential without the impact of non-operating expenses.

SBI Cards And Payment Services Limited DPS

Dividends Per Share (DPS) is a crucial indicator of the amount of dividends that SBI Cards And Payment Services Limited pays out to its shareholders per share of stock held. Investors keen on dividend income can refer to the DPS data available in the financials table or ratio section on this page.

SBI Cards And Payment Services Limited EPS

Earnings Per Share (EPS) is a fundamental measure of SBI Cards And Payment Services Limited's profitability that reflects the company's ability to generate earnings for each outstanding share. The EPS data for the company can be viewed in the financials table above or in the ratio section of this page.

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