SBI Cards And Payment Services Ltd.

NSE: SBICARD BSE: 543066 SECTOR: Finance - NBFC

1005.9
-45.8 (-4.35%)
NSE: 18 Jun 03:59 PM

Price Summary

Today's High

₹ 1014.9

Today's Low

₹ 981.3

52 Week High

₹ 1139.5

52 Week Low

₹ 587.1

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

94658.01 Cr.

Advances

0 Cr.

No. of Shares

94.1 Cr.

P/E

96.15

P/B

15

Face Value

₹ 10

Div. Yield

0.1%

Book Value (TTM)

₹  67.05

Operating Revenue

9276.4 Cr.

Net Profit

1244.82 Cr.

Promoter Holding

69.4%

EPS (TTM)

₹  10.46

Sales Growth

32.54 %

ROE

28.24 %

ROCE

15.21 %

Profit Growth

43.91 %

* 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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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.

Peer Comparison

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

 Group Companies

Ratios

Income Growth

1 Year32.54%
3 Year40.48%
5 Year38.51%

Profit Growth

1 Year43.91%
3 Year49.46%
5 Year36.09%

ROE%

1 Year28.24%
3 Year30.25%
5 Year29.23%

ROCE %

1 Year15.21%
3 Year16.6%
5 Year17.05%

ROA%

5.53121210564474

PEG Ratio

3.39

PAT Margin (%)

13.4191623822554

EPS Growth(%)

28.321427880055

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2021 69.4 0
Dec 2020 69.4 0
Sep 2020 69.46 0
Jun 2020 69.53 0
Mar 2020 69.55 0
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.99204930208241% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 30.2527558533091%.
  • TThe company has been maintaining a healthy ROCE of 16.6016300215529% since last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 40.4777682198869%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • Promoters shareholding is 69.4%.

 Limitations

  • The company is trading at 15.0020581409916 times the book value.
  • Provision and contingencies have increased by 68.8585405275284%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
Operating Revenue 2433.24 2152.2 2413.4 2403.2 2308.68
Other Income 77.16 43.4 99.33 136.57 159.46
Interest Expended 334.42 274.63 264.17 260.93 243.66
Operating Expenses 2035.21 1364.8 1940.31 1964.77 1955.97
Total Provisions 0 0 0 0 0
Depreciation 28.68 27.91 30.06 31.19 34.11
Profit Before Tax 112.09 528.27 278.19 282.88 234.4
Tax 28.54 134.98 72.04 73.22 58.98
Net Profit 83.55 393.29 206.15 209.66 175.42

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

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 2386.82 3346.2 5186.98 6999.11 9276.4
Other Income 106.25 124.84 183.22 287.74 475.89
Interest 533.32 1127.02 1360.82 1009.36 1300.93
Operating Expenses 1247.43 1197.33 2251.94 3779.25 4757.87
Total Provisions 274.14 575.07 838.09 1163.16 1963.86
Exceptional Items 0 0 0 0 0
Profit Before Tax 438.18 571.62 919.35 1335.08 1729.63
Tax 154.28 198.76 318.2 470.12 484.81
Profit After Tax 283.9 372.86 601.14 864.97 1244.82
Adjusted EPS (Rs.) 3.62 4.75 7.66 10.33 13.26

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 785 785 785 837.22 938.96
Total Reserves 370.04 663.82 1568.06 2750.56 4402.26
Borrowings 341.14 563.36 1771.45 3232.01 4566.88
Other N/C liabilities -44.88 -129.2 -88.01 -64.77 -137.11
Current liabilities 6338.82 8752.81 11561.49 13227.89 15256.68
Total Liabilities 7790.11 10635.78 15598 19982.91 25027.67
Assets
Loans 0 0 0 0 0
Net Block 2.06 23.85 241.76 196.22 310.91
Capital WIP 0 0 13.34 4.34 11.17
Intangible WIP 0 0 21.72 15.83 12.49
Investments 0 0 0 1.46 1.46
Other Loans 592.14 31.94 63.77 65.35 32.38
Other N/C Assets 0.02 0.02 89.3 7.3 10.98
Current Assets 7195.89 10579.97 15168.12 19692.4 24648.29
Total Assets 7790.11 10635.78 15598 19982.91 25027.67
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
Promoters 69.55 69.53 69.46 69.4 69.4
Sbi Life Insurance Co. Lt... 0.04 0.02 0.01 0.01 0.01
State Bank of India 69.51 69.51 69.45 69.39 69.39
PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
Public 24.38 22.95 21.38 20.86 16.01
CA ROVER HOLDINGS 15.89 15.89 15.88 15.86 11.61
LLP 0.09 0 0 0 0
Ca Rover Holdings 15.89 15.89 15.88 15.86 11.61
PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
FII/DII 6.08 7.52 9.16 9.74 14.59
Hdfc Trustee Company Ltd.... 0 1.46 0 0 0
Bnp Paribas Arbitrage - O... 0 0 1.06 0 1

Ratings & Research Reports

Company Presentations

Company News

CARH offloads shares worth over Rs 4,811 crore in SBI Card and Payment Services19 Jun 2021, 10:33AM SBI Card raises Rs 500 crore by issuing bonds 15 Jun 2021, 9:25AM SBI Cards and Payment Services informs about analyst meet11 Jun 2021, 2:59PM SBI Cards and Payment Services informs about change in directorate9 Jun 2021, 2:53PM SBI Cards and Payment Services informs about schedule of investor meet4 Jun 2021, 4:15PM SBI Cards and Payment Services informs about analyst call3 Jun 2021, 2:23PM SBI Card raises Rs 455 crore through NCDs10 May 2021, 4:33PM SBI Cards and Payment Services reports 2-fold jump in Q4 net profit27 Apr 2021, 10:01AM SBI Cards And Payment Services informs about board meeting20 Apr 2021, 2:35PM SBI Card sees over 50% transaction via online payments5 Apr 2021, 9:49AM SBI Cards and Payment Services informs about schedule of investor meet18 Mar 2021, 1:26PM CA Rover Holdings divests 4.25% stake in SBI Cards and Payment Services18 Mar 2021, 12:21PM SBI Card gets nod to raise Rs 2,000 crore 13 Mar 2021, 8:57AM SBI Cards and Payment Services informs about analyst meet9 Mar 2021, 11:20AM SBI Cards and Payment Services planning to raise up to Rs 2,000 crore8 Mar 2021, 2:49PM SBI Cards and Payment Services launches SBI Card portfolio enabled on Jio Pay service3 Mar 2021, 5:00PM SBI Cards and Payment Services raises Rs 550 crore through NCDs23 Feb 2021, 5:13PM SBI Cards and Payment Services launches ‘AURUM’ credit card 3 Feb 2021, 11:16AM SBI Cards and Payment reports 52% fall in Q3 net profit22 Jan 2021, 10:46AM SBI Cards raises Rs 450 crore through NCDs23 Dec 2020, 9:51AM SBI Cards, BPCL launch ‘BPCL SBI Card OCTANE’15 Dec 2020, 4:38PM SBI Cards and Payment Service informs about ALM statements20 Nov 2020, 3:36PM SBI Cards and Payment Services informs about analyst meet11 Nov 2020, 10:41AM SBI Card enters into partnership with Paytm5 Nov 2020, 9:58AM SBI Card, DMRC launch contactless ‘Delhi Metro SBI Card’23 Oct 2020, 3:30PM SBI Cards And Payment Services informs about compliance certificate15 Oct 2020, 1:26PM SBI Card kick-starts festive season offers with discounts, cashback across various brands14 Oct 2020, 9:44AM SBI Card inks partnership with American Express29 Sep 2020, 1:36PM SBI Card launches new brand campaign ‘Contactless Connections’25 Sep 2020, 1:20PM SBI Cards and Payment Services informs about press release21 Sep 2020, 1:15PM SBI Card collaborates with Google 21 Sep 2020, 12:40PM SBI Cards and Payment Services informs about disclosure18 Sep 2020, 3:43PM SBI Card in process of enrolling 'delinquent' customers in restructuring plans14 Sep 2020, 2:10PM SBI Card launches co-branded contactless credit card on RuPay Platform with IRCTC28 Jul 2020, 2:17PM SBI Cards and Payment Services reports 14% rise in Q1 net profit21 Jul 2020, 11:16AM SBI Cards and Payment Services to hold board meeting15 Jul 2020, 1:22PM SBI Cards & Payments Services to raise Rs 1,500 crore via NCDs15 Jul 2020, 11:46AM SBI Cards launches Video based Customer Identification Process16 Jun 2020, 12:12PM SBI Card reports average daily spends at over Rs 175 crore in May2 Jun 2020, 3:13PM SBI Cards reports outstanding borrowing at Rs 17,363 crore as on March, 202023 Apr 2020, 3:23PM

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 the company is Rs 1244.8153 Cr and the compounded growth of profit in the past 3 years is 49.4577192291302 %. The PAT margin of SBI Cards AndPayment is 13.4191623822554 %.

  • 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 28.321427880055 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a healthy ROE track record. The ROE of SBI Cards AndPayment is at 28.2408590796411 % 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 1050.85. The stock is trading at a current P/E ratio of 46.645646959434 and the average historical P/E for the last 5 years was 9.3291293918868.

  • 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 15.6724 . The average historical P/B for the last 5 years was 2.18165198020544. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about SBI Cards AndPayment

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