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Nifty
Sensex
:
:
22535.85
74227.08
374.25 (1.69%)
1089.18 (1.49%)

SBI Cards And Payment Services Ltd.

Finance - NBFC

Rating :
N/A

BSE: 543066 | NSE: SBICARD

NSE BSE
810.70
06-Feb-2025
  • Open
  • High
  • Low
  • Previous Close
  •  815.10
  •  824.00
  •  808.65
  •  821.35
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1067237
  •  8699.30
  •  884.50
  •  647.95

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 80,508.58
  • 39.38
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,14,036.13
  • 0.30%
  • 5.98

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 68.60%
  • 0.21%
  • 4.78%
  • FII
  • DII
  • Others
  • 9.52%
  • 16.16%
  • 0.73%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 25.02
  • 12.84
  • 16.70

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 27.16
  • 18.55
  • 18.69

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 24.61
  • 14.11
  • 14.21

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 41.05
  • 32.74

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 9.79
  • 7.26

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 27.50
  • 20.56

Earnings Forecasts:

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated
Description
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Net Sales
4,618.69
4,621.70
-0.07%
4,421.04
4,087.35
8.16%
4,358.64
3,911.88
11.42%
4,347.72
3,762.16
15.56%
Expenses
3,371.53
3,257.74
3.49%
3,172.58
2,760.33
14.93%
2,867.22
2,630.91
8.98%
2,810.96
2,564.58
9.61%
EBITDA
1,247.16
1,363.96
-8.56%
1,248.46
1,327.02
-5.92%
1,491.42
1,280.97
16.43%
1,536.76
1,197.58
28.32%
EBIDTM
27.00%
29.51%
28.24%
32.47%
34.22%
32.75%
35.35%
31.83%
Other Income
147.87
119.90
23.33%
134.78
134.05
0.54%
123.95
134.23
-7.66%
126.85
154.41
-17.85%
Interest
828.64
695.49
19.14%
787.68
604.86
30.23%
766.83
571.07
34.28%
723.82
507.26
42.69%
Depreciation
48.76
50.78
-3.98%
50.35
46.80
7.59%
49.37
47.56
3.81%
51.63
45.06
14.58%
PBT
517.63
737.59
-29.82%
545.21
809.41
-32.64%
799.17
796.57
0.33%
888.16
799.67
11.07%
Tax
134.40
188.51
-28.70%
140.79
206.43
-31.80%
204.72
203.26
0.72%
225.79
203.20
11.12%
PAT
383.23
549.08
-30.21%
404.42
602.98
-32.93%
594.45
593.31
0.19%
662.37
596.47
11.05%
PATM
8.30%
11.88%
9.15%
14.75%
13.64%
15.17%
15.23%
15.85%
EPS
4.03
5.77
-30.16%
4.25
6.34
-32.97%
6.25
6.24
0.16%
6.96
6.27
11.00%

Annual Results

Standalone Figures in Rs. Crores

Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Sales
17,746.09
16,968.42
13,666.64
10,677.27
9,296.46
9,276.40
6,999.11
5,186.98
3,346.20
2,386.82
1,819.74
Net Sales Growth
8.32%
24.16%
28.00%
14.85%
0.22%
32.54%
34.94%
55.01%
40.19%
31.16%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17.19
0.00
Gross Profit
17,746.09
16,968.42
13,666.64
10,677.27
9,296.46
9,276.40
6,999.11
5,186.98
3,346.20
2,369.63
1,819.74
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
99.28%
100%
Total Expenditure
12,222.29
10,742.34
8,807.25
8,033.71
7,223.19
6,617.92
4,887.20
3,065.53
1,767.60
1,520.73
1,256.27
Power & Fuel Cost
-
4.31
4.41
5.26
4.43
5.42
6.32
4.79
2.52
2.39
2.82
% Of Sales
-
0.03%
0.03%
0.05%
0.05%
0.06%
0.09%
0.09%
0.08%
0.10%
0.15%
Employee Cost
-
569.69
561.89
472.71
491.58
468.38
378.93
193.09
95.31
79.17
62.12
% Of Sales
-
3.36%
4.11%
4.43%
5.29%
5.05%
5.41%
3.72%
2.85%
3.32%
3.41%
Manufacturing Exp.
-
3,505.04
3,033.46
2,285.30
1,460.64
1,488.34
1,073.37
364.46
256.51
20.70
19.36
% Of Sales
-
20.66%
22.20%
21.40%
15.71%
16.04%
15.34%
7.03%
7.67%
0.87%
1.06%
General & Admin Exp.
-
3,247.82
2,940.09
2,368.70
2,535.43
2,697.33
2,271.73
1,669.90
840.72
1,129.53
937.75
% Of Sales
-
19.14%
21.51%
22.18%
27.27%
29.08%
32.46%
32.19%
25.12%
47.32%
51.53%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
3,419.79
2,271.81
2,907.00
2,735.54
1,963.87
1,163.16
838.09
575.07
274.14
0.00
% Of Sales
-
20.15%
16.62%
27.23%
29.43%
21.17%
16.62%
16.16%
17.19%
11.49%
13.03%
EBITDA
5,523.80
6,226.08
4,859.39
2,643.56
2,073.27
2,658.48
2,111.91
2,121.45
1,578.60
866.09
563.47
EBITDA Margin
31.13%
36.69%
35.56%
24.76%
22.30%
28.66%
30.17%
40.90%
47.18%
36.29%
30.96%
Other Income
533.45
515.08
619.03
1,180.50
417.12
475.89
287.74
183.22
124.83
106.25
85.74
Interest
3,106.97
3,312.61
2,284.04
1,503.34
1,043.40
1,300.93
1,009.36
1,360.82
1,127.02
533.32
377.77
Depreciation
200.11
196.75
163.81
148.56
123.26
103.80
55.22
24.49
4.79
0.84
0.78
PBT
2,750.17
3,231.80
3,030.57
2,172.16
1,323.73
1,729.64
1,335.08
919.35
571.62
438.18
270.67
Tax
705.70
823.92
772.10
556.02
339.21
484.82
470.12
318.20
198.76
154.28
3.98
Tax Rate
25.66%
25.49%
25.48%
25.60%
25.63%
28.03%
35.21%
34.61%
34.77%
35.21%
1.47%
PAT
2,044.47
2,407.88
2,258.47
1,616.14
984.52
1,244.82
864.97
601.14
372.86
283.90
266.69
PAT before Minority Interest
2,044.47
2,407.88
2,258.47
1,616.14
984.52
1,244.82
864.97
601.14
372.86
283.90
266.69
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
11.52%
14.19%
16.53%
15.14%
10.59%
13.42%
12.36%
11.59%
11.14%
11.89%
14.66%
PAT Growth
-12.70%
6.62%
39.74%
64.16%
-20.91%
43.91%
43.89%
61.22%
31.33%
6.45%
 
EPS
21.49
25.31
23.74
16.99
10.35
13.08
9.09
6.32
3.92
2.98
2.80

Results Balance Sheet

Standalone Figures in Rs. Crores

Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
12,084.03
9,830.05
7,752.70
6,302.03
5,341.22
3,587.78
2,353.06
1,448.82
1,155.04
965.63
Share Capital
950.97
946.07
943.18
940.53
938.96
837.22
785.00
785.00
785.00
785.00
Total Reserves
11,120.27
8,843.85
6,761.55
5,318.08
4,384.08
2,655.44
1,472.95
663.82
370.04
180.63
Non-Current Liabilities
7,737.82
7,909.06
7,428.12
4,754.34
4,595.78
3,167.24
1,683.45
434.15
296.26
173.36
Secured Loans
0.00
0.00
0.00
0.00
0.00
7.14
0.00
0.00
1.14
0.74
Unsecured Loans
7,897.87
7,966.75
7,487.20
5,019.12
4,732.89
3,224.87
1,771.45
563.36
340.00
240.00
Long Term Provisions
194.54
188.98
159.45
130.31
138.02
98.49
0.00
0.00
45.33
31.91
Current Liabilities
37,994.77
27,559.78
19,249.08
15,561.40
15,094.58
13,227.89
11,561.49
8,752.81
6,338.82
5,019.06
Trade Payables
1,528.63
1,405.96
1,127.67
892.72
728.84
665.06
529.56
119.07
85.89
90.51
Other Current Liabilities
4,031.84
2,561.94
2,308.21
1,513.68
1,061.27
1,639.32
987.75
431.73
287.01
233.72
Short Term Borrowings
31,993.21
23,142.87
15,495.26
12,875.66
12,839.86
10,317.36
9,641.37
7,705.06
5,586.99
4,458.06
Short Term Provisions
441.09
449.01
317.94
279.34
464.61
606.15
402.82
496.95
378.92
236.78
Total Liabilities
57,816.62
45,298.89
34,429.90
26,617.77
25,031.58
19,982.91
15,598.00
10,635.78
7,790.12
6,158.05
Net Block
542.10
550.96
439.46
308.10
310.91
196.22
241.76
23.85
2.06
1.62
Gross Block
1,195.46
1,067.66
831.51
596.45
478.77
264.40
270.80
28.64
5.60
6.99
Accumulated Depreciation
653.36
516.70
392.05
288.35
167.86
68.18
29.04
4.79
3.53
5.37
Non Current Assets
3,090.53
2,176.54
933.88
724.55
383.90
290.50
429.88
55.81
594.23
538.38
Capital Work in Progress
22.31
22.69
14.24
10.07
23.66
20.17
35.06
0.00
0.00
0.00
Non Current Investment
2,504.15
1,572.08
418.88
334.31
1.46
1.46
0.00
0.00
0.00
0.00
Long Term Loans & Adv.
21.97
30.81
61.30
72.07
31.51
65.35
63.77
31.94
592.14
536.77
Other Non Current Assets
0.00
0.00
0.00
0.00
16.36
7.30
89.30
0.02
0.02
0.00
Current Assets
54,726.09
43,122.35
33,496.02
25,893.22
24,647.68
19,692.40
15,168.11
10,579.97
7,195.89
5,619.67
Current Investments
1,014.98
567.61
878.31
623.25
0.00
0.00
0.00
0.00
0.00
0.00
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
243.08
142.16
168.47
81.52
54.45
148.82
150.73
132.48
0.00
0.00
Cash & Bank
2,729.62
1,354.47
1,106.39
720.10
677.36
776.77
472.68
282.95
274.44
291.46
Other Current Assets
50,738.41
1,098.89
789.52
908.44
23,915.87
18,766.81
14,544.71
10,164.54
6,921.44
5,328.21
Short Term Loans & Adv.
49,579.82
39,959.22
30,553.33
23,559.91
22,929.08
17,927.20
14,065.07
9,985.16
6,849.29
5,291.80
Net Current Assets
16,731.32
15,562.57
14,246.94
10,331.82
9,553.10
6,464.52
3,606.63
1,827.16
857.07
600.61
Total Assets
57,816.62
45,298.89
34,429.90
26,617.77
25,031.58
19,982.90
15,597.99
10,635.78
7,790.12
6,158.05

Cash Flow

Standalone Figures in Rs. Crores

Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-5,451.54
-6,670.51
-4,391.46
692.32
-4,062.93
-2,326.74
-2,877.09
-2,234.88
-1,158.21
-878.88
PBT
3,231.80
3,030.57
2,172.16
1,323.73
1,729.64
1,335.08
919.35
571.62
438.18
270.67
Adjustment
6,093.62
3,970.18
3,456.01
3,881.07
1,994.41
1,256.09
1,529.70
1,062.55
723.61
687.06
Changes in Working Capital
-11,236.82
-11,322.91
-8,621.29
-2,933.35
-7,105.57
-4,439.07
-4,376.16
-3,028.20
-1,793.27
-1,444.63
Cash after chg. in Working capital
-1,911.40
-4,322.16
-2,993.12
2,271.45
-3,381.52
-1,847.90
-1,927.12
-1,394.03
-631.48
-486.90
Interest Paid
-2,604.21
-1,583.98
-1,026.69
-1,096.30
0.00
0.00
-691.72
-502.30
-440.43
-318.49
Tax Paid
-935.93
-764.37
-371.65
-482.83
-681.41
-478.84
-258.25
-338.55
-86.30
-73.49
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-1,457.37
-921.44
-538.12
-996.78
-77.17
-75.79
-31.48
-0.85
0.65
0.63
Net Fixed Assets
-127.42
-244.60
-239.23
-104.09
-217.86
21.29
-277.22
-23.04
1.39
-0.77
Net Investments
-1,379.44
-842.50
-339.63
-956.10
0.00
-1.46
0.00
0.00
0.00
0.00
Others
49.49
165.66
40.74
63.41
140.69
-95.62
245.74
22.19
-0.74
1.40
Cash from Financing Activity
8,401.17
7,823.58
5,044.54
431.75
3,922.51
2,824.13
2,934.90
2,244.23
1,140.56
1,007.75
Net Cash Inflow / Outflow
1,492.26
231.63
114.96
127.29
-217.59
421.60
26.33
8.51
-17.00
129.51
Opening Cash & Equivalents
989.79
758.16
643.20
515.91
733.50
311.90
282.94
274.44
291.44
161.96
Closing Cash & Equivalent
2,482.05
989.79
758.16
643.20
515.91
733.50
472.68
282.95
274.44
291.46

Financial Ratios

Standalone

Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value (Rs.)
126.94
103.48
81.69
66.54
56.69
41.72
28.76
18.46
14.71
12.30
ROA
4.67%
5.67%
5.29%
3.81%
5.53%
4.86%
4.58%
4.05%
4.07%
4.78%
ROE
22.03%
25.82%
23.15%
17.00%
28.24%
30.08%
32.43%
28.64%
26.77%
31.16%
ROCE
14.09%
14.83%
13.38%
10.05%
15.13%
15.17%
19.42%
20.22%
15.24%
13.09%
Fixed Asset Turnover
15.00
14.39
14.95
17.29
24.96
26.16
34.65
195.51
379.28
275.47
Receivable days
4.14
4.15
4.27
2.67
4.00
7.81
9.96
14.45
0.00
0.00
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
122.29
142.96
200.20
103.71
264.28
207.66
Cash Conversion Cycle
4.14
4.15
4.27
2.67
-118.29
-135.14
-190.24
-89.26
-264.28
-207.66
Total Debt/Equity
3.30
3.18
2.98
2.86
3.30
3.88
5.05
5.71
5.13
4.87
Interest Cover
1.98
2.33
2.44
2.27
2.33
2.32
1.68
1.51
1.82
1.72

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • SBI Card reports 30% fall in Q3 net profit
    29th Jan 2025, 11:30 AM

    Total income of the company increased by 0.53% at Rs 4766.56 crore for Q3FY25

    Read More
  • SBI Cards AndPayment - Quarterly Results
    28th Jan 2025, 17:55 PM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.