SBI Cards And Payment Services Ltd.

NSE: SBICARD BSE: 543066 SECTOR: Finance - NBFC  50k   2k   1k

741.40
+17.30 (2.39%)
NSE: 20 May 03:55 PM

Price Summary

Today's High

₹ 745

Today's Low

₹ 730.25

52 Week High

₹ 1165

52 Week Low

₹ 710.8

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.
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

69930.37 Cr.

Advances

0 Cr.

No. of Shares

94.32 Cr.

P/E

43.27

P/B

9.02

Face Value

₹ 10

Div. Yield

0.34 %

Book Value (TTM)

₹  82.2

Operating Revenue

9277.48 Cr.

Net Profit

984.52 Cr.

Promoter Holding

69.59 %

EPS (TTM)

₹  17.13

Sales Growth

0.01

ROE

17 %

ROCE

10.01%

Profit Growth

-20.91 %

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

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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. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* 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 Year0.01%
3 Year21.39%
5 Year31.2%

Profit Growth

1 Year-20.91%
3 Year17.87%
5 Year28.24%

ROE%

1 Year17%
3 Year25.11%
5 Year27.28%

ROCE %

1 Year10.01%
3 Year13.44%
5 Year15.99%

ROA%

3.81232290435407

PEG Ratio

NA

PAT Margin (%)

10.6119334129527

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 69.59 0
Dec 2021 69.47 0
Sep 2021 69.37 0
Jun 2021 69.5 0
Mar 2021 69.4 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.73501408845741% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 25.1082925698964%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 21.3867029881193%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • Promoters shareholding is 69.59%.

 Limitations

  • The company is trading at 9.01928916225475 times the book value.
  • Provision and contingencies have increased by 39.3958211386252%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Operating Revenue 2319.01 2361.9 2576.24 2889.46 2850.31
Other Income 149.13 89.04 119.22 250.2 165.79
Interest Expended 243.66 229.01 254.13 276.81 267.37
Operating Expenses 1955.97 1778.99 1937.41 2307.39 1930.33
Total Provisions 0 0 0 0 0
Depreciation 34.11 32.64 39.8 36.94 39.18
Profit Before Tax 234.4 410.3 464.12 518.52 779.22
Tax 58.98 105.69 119.22 132.74 198.36
Net Profit 175.42 304.61 344.9 385.78 580.86

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 3346.2 5186.98 6999.11 9276.4 9277.48
Other Income 124.84 183.22 287.74 475.89 436.1
Interest 1127.02 1360.82 1009.36 1300.93 1043.4
Operating Expenses 1197.33 2251.94 3779.25 4757.85 4610.91
Total Provisions 575.07 838.09 1163.16 1963.87 2735.54
Exceptional Items 0 0 0 0 0
Profit Before Tax 571.62 919.35 1335.08 1729.64 1323.73
Tax 198.76 318.2 470.12 484.82 339.21
Profit After Tax 372.86 601.14 864.97 1244.82 984.52
Adjusted EPS (Rs.) 4.75 7.66 10.33 13.26 10.47

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 785 785 837.22 938.96 940.53
Total Reserves 663.82 1568.06 2750.56 4402.26 5361.5
Borrowings 563.36 1771.45 3232.01 4732.89 5192.38
Other N/C liabilities -129.2 -88.01 -64.77 -137.11 -264.78
Current liabilities 8752.81 11561.49 13227.89 15094.58 15388.14
Total Liabilities 10635.78 15598 19982.91 25031.58 26617.77
Assets
Loans 0 0 0 0 0
Net Block 23.85 241.76 196.22 310.91 308.1
Capital WIP 0 13.34 4.34 11.17 0.49
Intangible WIP 0 21.72 15.83 12.49 9.58
Investments 0 0 1.46 1.46 334.31
Other Loans 31.94 63.77 65.35 31.51 48.47
Other N/C Assets 0.02 89.3 7.3 16.36 10.81
Current Assets 10579.97 15168.12 19692.4 24647.68 25906.01
Total Assets 10635.78 15598 19982.91 25031.58 26617.77
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 69.40 69.50 69.37 69.47 69.59
state bank of india 69.39 69.35 69.34 69.20 69.20
sbi life insurance... 0.01 0.15 0.02 0.27 0.39
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 30.60 30.50 30.63 30.53 30.41
ca rover holdings 11.61 6.50 3.10 3.09 3.09
life insurance cor... - - 2.02 3.39 3.43
nippon life india ... - - 1.43 1.44 1.58
bnp paribas arbitr... 1.00 - - - -
icici prudential l... - - - - 1.04

Annual Reports

Ratings & Research Reports

Company Presentations

  • ConcallQ4FY22 17 May 2022
  • PresentationQ4FY22 6 May 2022
  • PresentationQ2FY22 30 Oct 2021
  • PresentationQ1FY22 27 Jul 2021
  • PresentationQ4FY21 27 Apr 2021
  • PresentationQ1FY22 23 Jul 2021
  • PresentationQ2FY21 22 Jan 2021
  • PresentationQ3FY21 22 Jan 2021
  • PresentationQ1FY21 18 Sep 2020
  • PresentationQ4FY20 17 Jul 2020
  • PresentationQ3FY22 1 Feb 2022

Company News

SBI Cards and Payment Services informs about analyst meet20 May 2022, 10:31AM SBI Cards and Payment Services reports 3-fold jump in Q4 net profit29 Apr 2022, 5:51PM SBI Cards and Payment Services informs about press release 29 Apr 2022, 5:31PM SBI Cards and Payment Services informs about investor presentation29 Apr 2022, 5:20PM SBI Cards AndPayment - Quaterly Results29 Apr 2022, 3:31PM SBI Cards AndPayment - Quaterly Results29 Apr 2022, 3:31PM SBI Cards AndPayment - Quaterly Results29 Apr 2022, 3:31PM SBI Card signs deal with TCS 25 Apr 2022, 4:22PM SBI Cards and Payment Services informs about compliance certificate13 Apr 2022, 5:14PM CA Rover Holdings sells 2.6 crore shares of SBI Cards6 Apr 2022, 11:18AM SBI Cards and Payment Services informs about analyst meet 26 Mar 2022, 10:27AM SBI Cards and Payment Services informs about analyst meet25 Mar 2022, 5:07PM SBI Cards and Payment Services informs about disclosure23 Mar 2022, 3:45PM SBI Cards and Payment Services informs about press release22 Mar 2022, 4:33PM SBI Card inks partnership with Nature's Basket22 Mar 2022, 3:07PM SBI Cards and Payment Services informs about analyst meet17 Mar 2022, 11:15AM SBI Cards and Payment Services informs about board meeting16 Mar 2022, 9:53AM SBI Cards and Payment Services informs about analyst meet11 Mar 2022, 11:12AM SBI Cards and Payment Services informs about conference call 9 Mar 2022, 12:27PM NPCI partners with Yatra.com, SBI Cards to launch co-branded ‘Yatra SBI Card’3 Mar 2022, 10:45AM SBI Cards and Payment Services informs about analyst meet24 Feb 2022, 11:55AM SBI Cards and Payment Services informs about analyst meet22 Feb 2022, 12:15PM SBI Cards and Payment Services informs about analyst meet16 Feb 2022, 5:24PM SBI Cards and Payment Services informs about conference call9 Feb 2022, 10:40AM SBI Cards and Payment Services informs about analyst meet 8 Feb 2022, 2:34PM SBI Cards AndPayment - Quaterly Results24 Jan 2022, 4:40PM SBI Cards and Payment Services collaborates with Paytm30 Dec 2021, 11:26AM SBI Card raises Rs 650 crore through NCDs24 Dec 2021, 2:35PM SBI Cards and Payment Services informs about disclosure24 Dec 2021, 2:30PM SBI Cards and Payment Services informs about analyst meet18 Dec 2021, 11:27AM SBI Cards launches fitness and wellness-focused credit card ‘SBI Card PULSE’14 Dec 2021, 3:08PM SBI Cards and Payment Services informs about press release14 Dec 2021, 2:27PM SBI Cards and Payment Services informs about analyst meet10 Dec 2021, 11:47AM SBI Cards and Payment Services informs about analyst meet9 Dec 2021, 12:49PM SBI Cards and Payment Services informs about analyst meet3 Dec 2021, 12:59PM SBI Cards and Payment Services informs about analyst meet2 Dec 2021, 3:15PM SBI Cards and Payment Services informs about analyst meet1 Dec 2021, 12:34PM SBI Cards and Payment Services informs about analyst meet26 Nov 2021, 10:57AM SBI Cards and Payment Services informs about analyst meet25 Nov 2021, 11:01AM SBI Cards and Payment Services informs about analyst meet 24 Nov 2021, 5:08PM SBI Cards and Payment Services informs about analyst meet 17 Nov 2021, 4:47PM SBI Cards and Payment Services informs about analyst meet11 Nov 2021, 1:02PM SBI Card gets nod to raise Rs 2,000 crore via NCDs 9 Nov 2021, 10:22AM SBI Cards and Payment Services informs about clarification8 Nov 2021, 4:50PM SBI Cards and Payment Services informs about disclosure 28 Oct 2021, 4:58PM SBI Cards and Payment Services launches festive offer 2021 'DUMDAAR DUS'29 Sep 2021, 2:27PM SBI Cards and Payment Services informs about disclosure28 Sep 2021, 3:39PM SBI Cards and Payment Services informs about disclosure22 Sep 2021, 5:09PM CA Rover Holdings offloads 3.4% stake in SBI Cards and Payment Services22 Sep 2021, 1:12PM SBI Cards and Payments Services informs about analyst meet21 Sep 2021, 11:12AM

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 984.52 Cr and the compounded growth of profit in the past 3 years is 17.8731443335658 %. The PAT margin of SBI Cards AndPayment is 10.6119334129527 %.

  • 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 declined by -21.0425875360176 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of SBI Cards AndPayment is at 17.001377178554 % 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 741.4. The stock is trading at a current P/E ratio of 88.7826361091739 and the average historical P/E for the last 5 years was 27.0856566137216.

  • 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 9.0357 . The average historical P/B for the last 5 years was 4.97487188887026. 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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