Is SBI Cards And Payment Services a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that SBI Cards And Payment Services Ltd is a good quality company .

Is SBI Cards And Payment Services undervalued or overvalued?

The key valuation ratios of SBI Cards And Payment Services Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone .

What is SBI Cards And Payment Services share price return in the past 10 years?

Data is not available for this company

Is SBI Cards And Payment Services a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of SBI Cards And Payment Services Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the P/E ratio of SBI Cards And Payment Services?

The latest standalone P/E ratio of SBI Cards And Payment Services as of 21-Nov-2024 is 29.42.

What is the P/B ratio of SBI Cards And Payment Services?

The latest standalone P/B ratio of SBI Cards And Payment Services as of 21-Nov-2024 is 4.97.

What is the 52-week high and low of SBI Cards And Payment Services?

The 52-week high of SBI Cards And Payment Services is Rs. 817.05 and the 52-week low is Rs. 649.00.

SBI Cards And Payment Services Ltd - Stock Valuation and Financial Performance

Name: SBI Cards And Payment Services
Brand: SBI Cards And Payment Services

BSE: 543066 | NSE: SBICARD | Finance - NBFC | Mid Cap

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SBI Cards AndPayment Share Price

₹676.50 -7.15 -1.05%
as on 21-Nov'24 15:49

10 Year X-Ray of SBI Cards AndPayment:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	1,820	2,387	3,346	5,187	6,999	9,276	9,296	10,677	13,667	16,968	16,935
YoY Gr. Rt. %	-	31.2%	40.2%	55%	34.9%	32.5%	0.2%	14.9%	28%	24.2%	-
Adj EPS (₹ )	3.4	3.6	4.8	7.7	10.3	13.3	10.5	17.1	23.9	25.3	23.2
YoY Gr. Rt. %	-	6.5%	31.2%	61.3%	34.9%	28.4%	-21%	63.7%	39.3%	6.1%	-
BVPS (₹ )	12.3	14.7	18.5	28.8	41.7	56.7	66.5	81.7	103.5	126.9	137.6
YoY Gr. Rt. %	-	19.6%	25.5%	55.8%	45.1%	35.9%	17.4%	22.8%	26.7%	22.7%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	4.8	4.1	4.1	4.6	4.9	5.5	3.8	5.3	5.7	4.7	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	28.2%	19.4%	22.2%	24.2%
Adj EPS	25%	19.6%	34.2%	6.1%
BVPS	29.6%	24.9%	24%	22.7%
Share Price	-	-	-13.1%	-7.9%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	1.4	1.5	0.8	1	0.8	0.7	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	15.7	18.3	20.1	22.4	0	0	0	0	-
Margins
Net Profit Margin (%)	14.7	11.9	11.1	11.6	12.4	13.4	10.6	15.1	16.5	14.2	13
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	31.2	26.8	28.6	32.4	30.1	28.2	17	23.2	25.8	22	16.9

Recent Performance Summary

Total Income has increased 22.21 CAGR in last 3 years

Net Profit has increased 34.23 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 17.60%

Total income growth is poor in last 4 quarters

Latest Financials - SBI Cards And Payment Services Ltd.

	Standalone	Consolidated
TTM EPS (₹)	23.2	-
TTM Sales (₹ Cr.)	16,935	-
BVPS (₹.) ⓘ	137.6	-
Reserves (₹ Cr.) ⓘ	12,139	-
P/BV ⓘ	4.97	-
PE ⓘ	29.42	-

From the Market
52 Week Low / High (₹)	649.00 / 817.05
All Time Low / High (₹)	495.25 / 1164.65
Market Cap (₹ Cr.)	65,036
Equity (₹ Cr.)	951.3
Face Value (₹)	10
Industry PE ⓘ	27.8

Management X-Ray of SBI Cards AndPayment:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of SBI Cards AndPayment

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Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of SBI Cards AndPayment

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	1,905	2,493	3,471	5,370	7,287	9,752	9,714	11,858	14,286	17,484
Interest Income	1,820	2,387	3,346	5,187	6,999	9,276	9,296	10,677	13,667	16,968
Other Income ⓘ	86	106	125	183	288	476	417	1,181	619	515
Expenditure ⓘ	1,635	2,055	2,899	4,451	5,952	8,023	8,390	9,686	11,255	14,252
Interest Expense ⓘ	378	533	1,127	1,361	1,308	1,689	1,400	1,503	2,284	3,313
Operating Expenses ⓘ	1,020	1,247	1,197	2,252	3,447	4,329	4,219	5,275	6,699	7,519
Provisions	237	274	575	838	1,196	2,005	2,771	2,907	2,272	3,420
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	271	438	572	919	1,335	1,730	1,324	2,172	3,031	3,232
Taxes ⓘ	4	154	199	318	470	485	339	556	772	824
Profit After Tax	267	284	373	601	865	1,245	985	1,616	2,258	2,408
Adjusted EPS (₹)	3.4	3.6	4.8	7.7	10.3	13.3	10.5	17.1	23.9	25.3
Dividend Payout Ratio (%)	15%	28%	21%	0%	10%	8%	0%	15%	10%	10%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	966	1,155	1,449	2,353	3,493	5,341	6,299	7,753	9,830	12,084
Share Capital ⓘ	785	785	785	785	837	939	941	943	946	951
Reserves ⓘ	181	370	664	1,568	2,655	4,402	5,359	6,810	8,884	11,133
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	173	296	436	1,694	3,243	4,596	4,754	7,428	7,909	7,738
Current Liabilities	5,019	6,339	8,751	11,551	13,152	15,095	15,561	19,249	27,560	37,995
Trade Payables	91	86	119	530	665	729	893	1,128	1,406	1,529
Short term borrowings	4,458	5,587	7,705	9,641	10,317	12,840	12,876	15,495	23,143	31,993
Other Liabilities	-4,549	-5,673	-7,824	-10,171	-10,887	-13,569	-13,765	-16,623	-24,549	-33,522
Total Liabilities ⓘ	6,158	7,790	10,636	15,598	19,983	25,032	26,618	34,430	45,299	57,817
Assets
Non Current Asset	538	594	56	430	291	384	725	934	2,177	3,091
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	538	594	56	430	291	384	725	934	2,177	3,091
Current Asset	5,620	7,196	10,580	15,168	19,692	24,648	25,893	33,496	43,122	54,726
Current Investment	0	0	0	0	0	0	623	878	568	1,015
Other Current Asset	5,620	7,196	10,580	15,168	19,692	24,648	25,270	32,618	42,555	53,711
Total Assets ⓘ	6,158	7,790	10,636	15,598	19,983	25,032	26,618	34,430	45,299	57,817

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-879	-1,158	-2,235	-2,877	-2,327	-4,063	692	-4,391	-6,671	-5,452
Cash Flow From Investing Activity ⓘ	1	1	-1	-31	-76	-77	-997	-538	-921	-1,457
Cash Flow From Financing Activity ⓘ	1,008	1,141	2,244	2,935	2,824	3,923	432	5,045	7,824	8,401
Net Cash Flow ⓘ	130	-17	9	26	422	-218	127	115	232	1,492

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	3	4	5	8	10	13	10	17	24	25
DPS (₹)	1	1	1	0	1	1	0	3	3	3
BVPS (₹)	12	15	18	29	42	57	67	82	103	127
Performance Ratios
ROA (%)	4.8	4.1	4.1	4.6	4.9	5.5	3.8	5.3	5.7	4.7
ROE (%)	31.2	26.8	28.6	32.4	30.1	28.2	17.0	23.2	25.8	22.0
ROCE (%)	13.1	15.2	20.2	19.4	17.1	17.1	11.6	13.4	14.8	14.1
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	0.0	10.9	14.0	10.4	7.2	5.4

SBI Cards And Payment Services Ltd Stock News

SBI Cards And Payment Services Ltd FAQs

What is the share price of SBI Cards AndPayment?

Company share prices are keep on changing according to the market conditions. The closing price of SBI Cards AndPayment on 21-Nov-2024 15:49 is ₹676.5.

What is the market cap of SBI Cards AndPayment?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Nov-2024 15:49 the market cap of SBI Cards AndPayment stood at ₹65,035.9.

What is the P/E ratio of SBI Cards AndPayment?

The latest P/E ratio of SBI Cards AndPayment as of 21-Nov-2024 15:49 is 29.42.

What is the P/B ratio of SBI Cards AndPayment?

The latest P/B ratio of SBI Cards AndPayment as of 21-Nov-2024 15:49 is 4.97.

What is the 52-week high and low of SBI Cards AndPayment?

The 52-week high of SBI Cards AndPayment is ₹817.0 and the 52-week low is ₹649.0.

What is the TTM revenue of SBI Cards AndPayment?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SBI Cards AndPayment is ₹16,935 ( Cr.) .

About SBI Cards And Payment Services Ltd

SBI Card was launched in October 1998 by the State Bank of India and GE Capital. Incorporated as SBI Cards and Payment Services Private Limited (SBICPSL), SBI Card is headquartered in Gurgaon, Haryana.

In December 2017, State Bank of India and The Carlyle Group acquired GE Capital’s stake in SBI Card, post which SBI held 74% while Carlyle held 26% in the Company. The legal name of SBI Card was changed on August 20, 2019, from SBI Cards and Payment Services Private Limited to SBI Cards and Payment Services Limited, on account of its conversion from a ‘Private Limited’ company to a ‘Public Limited’ company. In March 2020, SBI Card became the first pure play credit card company to list on the stock exchanges in India. The company is the second largest credit card provider in the country, with huge card base. It also has offices in many cities in India.

Business area of the company

The company is engaged in the business of issuing credit cards to consumers in India. It offers Indian consumers access to a wide range of world-class, value-added payment products and services.

Products

The company’s product portfolio includes premium, classic, travel and shopping, exclusive and corporate cards, to cater to both individual and corporate needs.

Awards

2013: Awarded VISA Recognition, ‘Best Issuing Institution’ for excellence in Fraud Risk Management, 2013.
2014: Awarded ‘AISA Outsourcing Excellence Award: Excellence in Customer Service’ as part of CMO Asia Awards 2014.
2015: Awarded ‘Gartner Global Eye on Innovation Award 2015.’
2016: Awarded VISA Recognition ‘Champion Security Award’ South East Asia for Excellence in Fraud Risk Management- 2016.
2017: Awarded ‘Best Data Quality Awards-Consumer Bureau Category- NBFC’, 2017 by Transunion CIBIL.
2018: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2018’ under Customer Loyalty Awards.
2018: Awarded ‘Corporate Excellence Gold Award for Compliance Innovation’ as a part of SKOCH Summit 2018.
2018: Awarded ‘Learning Innovator Award’ as part of GP Strategies Awards, 2018.
2019: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2019’ under Customer Loyalty Awards.
2019: Awarded ‘Gold Winner: Customer Service Department of the Year; as part of Golden Bridge Awards, 2019.
2019: Awarded ‘Best Data Quality- Consumer Bureau amongst NBFCs 2019’ as part of Data Quality Awards 2019.
2020: Awarded in the category of ‘Analytics/Big Data’ as part of the DELL Technologies BFSI Technology Conclave, 2020.

Milestones

1998: SBI Card enters the credit card space
1999: SBI Card reaches the 1 lakh mark
2002: SBI Card enters the ‘1 Million Cards’ club
2002: SBI Card enters into its first partnership with a public sector bank
2003: SBI Card launches Affinity Cards in 8 cities
2005: SBI Card crosses 2 million card base
2006: SBI Card launches co-branded cards with Indian Railways
2006: SBI Card launches co-branded cards with SpiceJet and Tata
2006: SBI Card becomes the second largest credit card issuer
2010: SBI Card launches the SBI Platinum Card
2011: SBI Card launches chip based EMV cards
2012: SBI Card launches SBI Signature Card for HNIs
2013: SBI Card launches Air India co-branded cards
2014: SBI Card launches Fbb SBI ‘STYLEUP’ Card’
2014: SBI Card enters the ‘3 Million Cards’ Club
2015: SBI Card launches the SimplySAVE SBI Card
2015: SBI Card launches SimplyCLICK
2016: SBI Card launches SBI Card ELITE
2016: SBI Card enters the ‘4 Million Cards’ Club
2017: SBI Card launches Central SELECT SBI Cards
2017: SBI Card launches SBI Card PRIME and SBI Card Unnati
2017: SBI Card enters 5 million cards club
2017: SBI Card launches BPCL SBI Card
2018: SBI Card enters 6 million cards club
2018: SBI Card launches Doctor's SBI Card
2018: SBI Card launches virtual assistant ‘ELA’
2018: Apollo SBI Card launched
2018: SBI Card crosses 7 million customer base
2019: Etihad Guest SBI Card launched
2019: Ola Money SBI Card Launched
2019: SBI Card enters 9 million cards club
2019: SBI Card enters into a network partnership with Rupay network
2019: SBI Card launches Club Vistara SBI Card PRIME and Club Vistara SBI Card
2019: SBI Card enters 10 million cards club
2020: SBI Card launches Lifestyle HC SBI Card, Max SBI Card and Spar SBI Card with Landmark Group
2020: SBI Card becomes first pure play credit card issuer to list on BSE and NSE