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SBI Cards AndPayment share price

SBI Cards And Payment Services Ltd.

NSE: SBICARD BSE: 543066 SECTOR: Finance - NBFC  274k   3k   1k

687.00
-16.40 (-2.33%)
NSE: 20 Dec 04:02 PM

Price Summary

Today's High

₹ 708.15

Today's Low

₹ 685.1

52 Week High

₹ 817.4

52 Week Low

₹ 647.95

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

65357.47 Cr.

Advances

0 Cr.

No. of Shares

95.13 Cr.

P/E

29.57

P/B

4.99

Face Value

₹ 10

Div. Yield

0.36 %

Book Value (TTM)

₹  137.6

Operating Revenue

16968.42 Cr.

Net Profit

2407.88 Cr.

Promoter Holding

68.61 %

EPS (TTM)

₹  23.23

Sales Growth

24.16

ROE

22.03 %

ROCE

14.09%

Profit Growth

6.62 %

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

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Index Presence

The company is present in 31 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 Year24.16%
3 Year22.21%
5 Year19.38%

Profit Growth

1 Year6.62%
3 Year34.73%
5 Year22.72%

ROE%

1 Year22.03%
3 Year23.67%
5 Year23.25%

ROCE %

1 Year14.09%
3 Year14.1%
5 Year14.19%

ROA%

4.6703

PEG Ratio

4.87

PAT Margin (%)

14.1904

EPS Growth(%)

6.0665

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 68.61 0.00
Jun 2024 68.62 0.00
Mar 2024 68.63 0.00
Dec 2023 68.75 0.00
Sep 2023 68.94 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 5.21012733611291% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 23.6653766136182%.
  • TThe company has been maintaining a healthy ROCE of 14.0995689571361% since last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 22.2100895518059%.
  • The company has delivered substantial profit growth of 34.7317959272756% over past 3 years.
  • Promoters shareholding is 68.61%.

 Limitations

  • Provision and contingencies have increased by 50.656965151135%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 4087.35 4621.7 4347.72 4358.64 4421.04
Other Income 134.05 119.9 126.85 123.95 134.78
Interest Expended 604.86 695.49 723.82 766.83 787.68
Operating Expenses 2760.33 3257.74 2810.96 2867.22 3172.58
Total Provisions 0 0 0 0 0
Depreciation 46.8 50.78 51.63 49.37 50.35
Profit Before Tax 809.41 737.59 888.16 799.17 545.21
Tax 206.43 188.51 225.79 204.72 140.79
Net Profit 602.98 549.08 662.37 594.45 404.42
Adjusted EPS (RS) 6.37 5.78 6.97 6.25 4.25

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 9276.4 9296.46 10677.27 13666.64 16968.42
Other Income 475.89 417.12 1180.5 619.03 515.08
Interest 1688.51 1400.1 1503.34 2284.04 3312.61
Operating Expenses 4329.21 4218.79 5275.27 6699.25 7519.3
Total Provisions 2004.93 2770.96 2907 2271.81 3419.79
Exceptional Items 0 0 0 0 0
Profit Before Tax 1729.64 1323.73 2172.16 3030.57 3231.8
Tax 484.82 339.21 556.02 772.1 823.92
Profit After Tax 1244.82 984.52 1616.14 2258.47 2407.88
Adjusted EPS (Rs.) 13.26 10.47 17.14 23.87 25.32

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 938.96 940.53 943.18 946.07 950.97
Total Reserves 4402.26 5361.5 6809.52 8883.98 11133.06
Borrowings 4732.89 5019.12 7487.2 7966.75 7897.87
Other N/C liabilities -137.11 -264.78 -59.08 -57.69 -160.05
Current liabilities 15094.58 15561.4 19249.08 27559.78 37994.77
Total Liabilities 25031.58 26617.77 34429.9 45298.89 57816.62
Assets
Loans 0 0 0 0 0
Net Block 310.91 308.1 439.46 550.96 542.1
Capital WIP 11.17 0.49 0.49 6.06 0.1
Intangible WIP 12.49 9.58 13.75 16.63 22.21
Investments 1.46 334.31 418.88 1572.08 2504.15
Other Loans 31.51 72.07 61.3 30.81 21.97
Other N/C Assets 16.36 0 0 0 0
Current Assets 24647.68 25893.22 33496.02 43122.35 54726.09
Total Assets 25031.58 26617.77 34429.9 45298.89 57816.62
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 68.94 68.75 68.63 68.62 68.61
state bank of india 68.94 68.64 68.63 68.62 68.61
sbi life insurance compan... - 0.11 - - -
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 31.06 31.25 31.37 31.38 31.39
government pension fund g... - - - - 1.13
icici prudential multi-as... - 4.02 4.93 5.37 4.93
life insurance corporatio... 4.32 4.60 5.88 5.96 6.13
llp - - - 0.01 0.01
nippon life india trustee... - - - - 1.93
mirae asset large cap fun... 2.17 2.12 1.55 1.11 -
nippon life india trustee... 1.72 1.73 1.65 1.65 -
hdfc trustee company limi... 2.26 - - - -
icici prudential long ter... 2.97 - - - -

Ratings & Research Reports

Company Presentations

Company News

SBI Cards surpasses 2 crore cards in force mark 6 Dec, 5:12 PM SBI Cards and Payment Services informs about analyst meet 3 Dec, 5:29 PM SBI Cards and Payment Services informs about investor presentation 29 Oct, 5:26 PM SBI Cards AndPayment - Quaterly Results 29 Oct, 3:15 PM SBI Cards AndPayment - Quaterly Results 29 Oct, 3:15 PM SBI Cards AndPayment - Quaterly Results 29 Oct, 3:15 PM SBI Cards and Payment Services informs about earnings call 23 Oct, 4:52 PM SBI Card, Singapore Airlines launch KrisFlyer SBI Card 30 Sep, 3:27 PM SBI Cards and Payment Services reports marginal rise in Q1 net profit 29 Jul, 12:00 PM SBI Cards AndPayment - Quaterly Results 26 Jul, 6:51 PM SBI Cards AndPayment - Quaterly Results 26 Jul, 6:51 PM SBI Cards AndPayment - Quaterly Results 26 Jul, 6:51 PM SBI Cards and Payment Services informs about analyst meet 23 Jul, 3:07 PM SBI Cards and Payment Services informs about outcome of board meeting 22 Jun, 12:06 PM SBI Cards and Payment Services informs about disclosure 17 Jun, 4:35 PM SBI Card reports 11% rise in Q4 net profit 27 Apr, 4:16 PM SBI Cards AndPayment - Quaterly Results 26 Apr, 6:12 PM SBI Cards AndPayment - Quaterly Results 26 Apr, 6:12 PM SBI Card launches SBI Card MILES for Travel Enthusiasts 24 Apr, 9:50 AM SBI Card, Titan launch Titan SBI Card 21 Mar, 12:42 PM SBI Cards and Payment Services informs about board meeting 14 Mar, 11:25 AM SBI Cards and Payment Services informs about analyst meet 4 Mar, 4:59 PM SBI Cards and Payment Services informs about allotment of NCDs 28 Feb, 5:24 PM SBI Cards and Payment Services raises Rs 750 crore through NCDs 28 Feb, 4:15 PM SBI Cards AndPayment - Quaterly Results 25 Jan, 5:32 PM SBI Cards AndPayment - Quaterly Results 25 Jan, 5:32 PM SBI Cards AndPayment - Quaterly Results 25 Jan, 5:32 PM SBI Card raises Rs 525 crore through NCDs 24 Jan, 4:29 PM SBI Cards and Payment Services informs about allotment under ESOP 21 Dec, 2:44 PM SBI Cards and Payment Services submits analyst meet intimation 29 Nov, 4:57 PM SBI Cards and Payment Services informs about analyst meet 28 Nov, 2:32 PM SBI Card partners with Reliance Retail to roll out Reliance SBI Card 1 Nov, 11:07 AM SBI Cards and Payment Services reports 15% rise in Q2 net profit 30 Oct, 2:07 PM SBI Cards and Payment Services informs about newspaper publication 28 Oct, 12:40 PM SBI Cards AndPayment - Quaterly Results 27 Oct, 6:11 PM SBI Cards AndPayment - Quaterly Results 27 Oct, 6:11 PM SBI Cards AndPayment - Quaterly Results 27 Oct, 6:11 PM SBI Cards and Payment Services informs about appointment of director 4 Oct, 5:22 PM SBI Cards and Payment Services informs about trading window closure 29 Sep, 1:41 PM SBI Cards and Payment launches new product ‘SimplySAVE Merchant SBI Card’ 6 Sep, 11:29 AM SBI Card enables RuPay credit cards on UPI 10 Aug, 3:12 PM SBI Cards and Payment Services reports 5% fall in Q1 net profit 31 Jul, 2:46 PM SBI Cards and Payment Services informs about newspaper publications 29 Jul, 12:13 PM SBI Cards AndPayment - Quaterly Results 28 Jul, 3:56 PM SBI Cards AndPayment - Quaterly Results 28 Jul, 3:56 PM SBI Cards AndPayment - Quaterly Results 28 Jul, 3:56 PM SBI Cards and Payment Services informs about press release 24 Jun, 1:42 PM SBI Cards and Payment Services informs about disclosure 20 Jun, 4:57 PM SBI Cards and Payment Services informs about updates 20 Jun, 4:18 PM SBI Cards and Payment Services informs about vesting of options under ESOP scheme 2019 17 Jun, 12:10 PM

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 mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration 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.

SBI Cards AndPayment stock price today is Rs 687. 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 2407.88 Cr and the compounded growth of profit in the past 3 years is 34.731394270942 %. The PAT margin of SBI Cards AndPayment is 14.1904 %.

  • 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 6.0665 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): SBI Cards AndPayment has a healthy ROE track record. The ROE of SBI Cards AndPayment is at 22.0288 % 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 687. The stock is trading at a current P/E ratio of 26.9527 and the average historical P/E for the last 5 years was 48.6131929312004.

  • 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 4.9954 . The average historical P/B of SBI Cards AndPayment for the last 5 years was 9.5647211078046. 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 687. 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 a leading Indian company 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. Key topics will include share price trends, balance sheet strength, annual report highlights, dividend history, quarterly results, stock price movements, price charts, recent news, concall summaries, transcripts, investor presentations, and information about 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. Various factors, including the company's financial performance, global economic conditions, and market sentiment, influence the share price. Long-term investors can utilize our pre-built screening tools to analyze the share price and identify trends or patterns. Over the past few years, the company's share price has shown a steady upward trend, reflecting its 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 that 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 approaches, 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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