SBI Cards And Payment Services, 543066, SBICARD Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

65,390.76
29.58
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

98,918.31
0.36%
5.00

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

-
-
33.97

P:BV (Average)

8 Years
5 Years
3 Years

-
-
7.79

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
22.36

Earnings Forecasts:

Description 2024 2025 2026 2027
Adj EPS 25.39 23.73 32.79 41.1
P/E Ratio 27.79 29.73 21.51 17.16
Revenue 16968 16300 19900 23844
EBITDA 5509 4412 5470 6730
Net Income 2408 2257 3122 3913
ROA 4.6 3.6 4.1 4.3
P/Bk Ratio 5.55 4.78 4 3.35
ROE 21.98 17.11 19.65 20.88
FCFF 7479.33 -4417.05 -3125.57
FCFF Yield 7.22 -4.26 -3.02

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 4,421.04 4,087.35 8.16% 4,358.64 3,911.88 11.42% 4,347.72 3,762.16 15.56% 4,621.70 3,507.12 31.78%
Expenses 3,172.58 2,760.33 14.93% 2,867.22 2,630.91 8.98% 2,810.96 2,564.58 9.61% 3,257.74 2,466.51 32.08%
EBITDA 1,248.46 1,327.02 -5.92% 1,491.42 1,280.97 16.43% 1,536.76 1,197.58 28.32% 1,363.96 1,040.61 31.07%
EBIDTM 28.24% 32.47% 34.22% 32.75% 35.35% 31.83% 29.51% 29.67%
Other Income 134.78 134.05 0.54% 123.95 134.23 -7.66% 126.85 154.41 -17.85% 119.90 149.03 -19.55%
Interest 787.68 604.86 30.23% 766.83 571.07 34.28% 723.82 507.26 42.69% 695.49 464.28 49.80%
Depreciation 50.35 46.80 7.59% 49.37 47.56 3.81% 51.63 45.06 14.58% 50.78 41.03 23.76%
PBT 545.21 809.41 -32.64% 799.17 796.57 0.33% 888.16 799.67 11.07% 737.59 684.33 7.78%
Tax 140.79 206.43 -31.80% 204.72 203.26 0.72% 225.79 203.20 11.12% 188.51 174.87 7.80%
PAT 404.42 602.98 -32.93% 594.45 593.31 0.19% 662.37 596.47 11.05% 549.08 509.46 7.78%
PATM 9.15% 14.75% 13.64% 15.17% 15.23% 15.85% 11.88% 14.53%
EPS 4.25 6.34 -32.97% 6.25 6.24 0.16% 6.96 6.27 11.00% 5.77 5.36 7.65%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

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 17,749.10 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 16.25% 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 17,749.10 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 12,108.50 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 5,640.60 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 31.78% 36.69% 35.56% 24.76% 22.30% 28.66% 30.17% 40.90% 47.18% 36.29% 30.96% Other Income 505.48 515.08 619.03 1,180.50 417.12 475.89 287.74 183.22 124.83 106.25 85.74 Interest 2,973.82 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 202.13 196.75 163.81 148.56 123.26 103.80 55.22 24.49 4.79 0.84 0.78 PBT 2,970.13 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 759.81 823.92 772.10 556.02 339.21 484.82 470.12 318.20 198.76 154.28 3.98 Tax Rate 25.58% 25.49% 25.48% 25.60% 25.63% 28.03% 35.21% 34.61% 34.77% 35.21% 1.47% PAT 2,210.32 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 2,210.32 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 12.45% 14.19% 16.53% 15.14% 10.59% 13.42% 12.36% 11.59% 11.14% 11.89% 14.66% PAT Growth -3.99% 6.62% 39.74% 64.16% -20.91% 43.91% 43.89% 61.22% 31.33% 6.45% EPS 23.23 25.31 23.74 16.99 10.35 13.09 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

Top Investors:

life insurance corporation of india - p & gs fund

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government pension fund global

llp

Annual Reports:

News Update:

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SBI Cards And Payment Services Ltd.

Finance - NBFC

BSE: 543066 | NSE: SBICARD

Stock Summary

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Standalone Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

SBI Cards And Payment Services Ltd.

Finance - NBFC

BSE: 543066 | NSE: SBICARD

Stock Summary

Shareholding Pattern

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Standalone Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: