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

71,066.07
30.35
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

95,800.90
0.33%
6.09

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

25.26
14.32
13.71

EBITDA CAGR (%)

10 Years
5 Years
3 Years

24.92
18.14
18.57

PAT CAGR (%)

10 Years
5 Years
3 Years

22.65
21.16
31.89

P:E (Median)

8 Years
5 Years
3 Years

-
-
41.28

P:BV (Average)

8 Years
5 Years
3 Years

-
-
9.88

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
29.21

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Net Sales 4,621.70 3,507.12 31.78% 4,087.35 3,297.08 23.97% 3,911.88 3,100.30 26.18% 3,762.16 2,850.31 31.99%
Expenses 3,257.74 2,466.51 32.08% 2,760.33 2,341.38 17.89% 2,630.91 2,074.39 26.83% 2,564.58 1,930.33 32.86%
EBITDA 1,363.96 1,040.61 31.07% 1,327.02 955.70 38.85% 1,280.97 1,025.91 24.86% 1,197.58 919.98 30.17%
EBIDTM 29.51% 29.67% 32.47% 28.99% 32.75% 33.09% 31.83% 32.28%
Other Income 119.90 149.03 -19.55% 134.05 156.24 -14.20% 134.23 162.55 -17.42% 154.41 165.79 -6.86%
Interest 695.49 464.28 49.80% 604.86 367.71 64.49% 571.07 308.38 85.18% 507.26 267.37 89.72%
Depreciation 50.78 41.03 23.76% 46.80 38.58 21.31% 47.56 39.16 21.45% 45.06 39.18 15.01%
PBT 737.59 684.33 7.78% 809.41 705.65 14.70% 796.57 840.92 -5.27% 799.67 779.22 2.62%
Tax 188.51 174.87 7.80% 206.43 180.01 14.68% 203.26 214.01 -5.02% 203.20 198.36 2.44%
PAT 549.08 509.46 7.78% 602.98 525.64 14.71% 593.31 626.91 -5.36% 596.47 580.86 2.69%
PATM 11.88% 14.53% 14.75% 15.94% 15.17% 20.22% 15.85% 20.38%
EPS 5.77 5.36 7.65% 6.34 5.53 14.65% 6.24 6.59 -5.31% 6.27 6.11 2.62%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 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 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Sales 16,383.09 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 1,436.77 Net Sales Growth 28.45% 28.00% 14.85% 0.22% 32.54% 34.94% 55.01% 40.19% 31.16% 26.65% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.19 0.00 0.00 Gross Profit 16,383.09 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 1,436.77 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 99.28% 100% 100% Total Expenditure 11,213.56 8,807.25 8,033.71 7,223.19 6,617.92 4,887.20 3,065.53 1,767.60 1,520.73 1,256.27 911.54 Power & Fuel Cost - 4.41 5.26 4.43 5.42 6.32 4.79 2.52 2.39 2.82 1.85 % Of Sales - 0.03% 0.05% 0.05% 0.06% 0.09% 0.09% 0.08% 0.10% 0.15% 0.13% Employee Cost - 561.89 472.71 491.58 468.38 378.93 193.09 95.31 79.17 62.12 54.66 % Of Sales - 4.11% 4.43% 5.29% 5.05% 5.41% 3.72% 2.85% 3.32% 3.41% 3.80% Manufacturing Exp. - 3,033.46 2,285.30 1,460.64 1,488.34 1,073.37 364.46 256.51 20.70 19.36 20.58 % Of Sales - 22.20% 21.40% 15.71% 16.04% 15.34% 7.03% 7.67% 0.87% 1.06% 1.43% General & Admin Exp. - 2,940.08 2,368.70 2,535.43 2,697.33 2,271.73 1,669.90 840.72 1,129.53 937.75 662.93 % Of Sales - 21.51% 22.18% 27.27% 29.08% 32.46% 32.19% 25.12% 47.32% 51.53% 46.14% 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. - 2,271.82 2,907.00 2,735.54 1,963.87 1,163.16 838.09 575.07 274.14 237.04 0.00 % Of Sales - 16.62% 27.23% 29.43% 21.17% 16.62% 16.16% 17.19% 11.49% 13.03% 12.07% EBITDA 5,169.53 4,859.39 2,643.56 2,073.27 2,658.48 2,111.91 2,121.45 1,578.60 866.09 563.47 525.23 EBITDA Margin 31.55% 35.56% 24.76% 22.30% 28.66% 30.17% 40.90% 47.18% 36.29% 30.96% 36.56% Other Income 542.59 619.03 1,180.50 417.12 475.89 287.74 183.22 124.83 106.25 85.74 73.64 Interest 2,378.68 2,284.04 1,503.34 1,043.40 1,300.93 1,009.36 1,360.82 1,127.02 533.32 377.77 305.08 Depreciation 190.20 163.81 148.56 123.26 103.80 55.22 24.49 4.79 0.84 0.78 0.71 PBT 3,143.24 3,030.57 2,172.16 1,323.73 1,729.64 1,335.08 919.35 571.62 438.18 270.67 293.09 Tax 801.40 772.10 556.02 339.21 484.82 470.12 318.20 198.76 154.28 3.98 0.00 Tax Rate 25.50% 25.48% 25.60% 25.63% 28.03% 35.21% 34.61% 34.77% 35.21% 1.47% 0.00% PAT 2,341.84 2,258.47 1,616.14 984.52 1,244.82 864.97 601.14 372.86 283.90 266.69 293.09 PAT before Minority Interest 2,341.84 2,258.47 1,616.14 984.52 1,244.82 864.97 601.14 372.86 283.90 266.69 293.09 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 14.29% 16.53% 15.14% 10.59% 13.42% 12.36% 11.59% 11.14% 11.89% 14.66% 20.40% PAT Growth 4.41% 39.74% 64.16% -20.91% 43.91% 43.89% 61.22% 31.33% 6.45% -9.01% EPS 24.63 23.75 16.99 10.35 13.09 9.10 6.32 3.92 2.99 2.80 3.08

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 9,830.06 7,752.70 6,302.03 5,341.22 3,587.78 2,353.06 1,448.82 1,155.04 965.63 745.98 Share Capital 946.07 943.18 940.53 938.96 837.22 785.00 785.00 785.00 785.00 785.00 Total Reserves 8,843.86 6,761.55 5,318.08 4,384.08 2,655.44 1,472.95 663.82 370.04 180.63 -39.02 Non-Current Liabilities 7,909.06 7,428.12 4,754.34 4,595.78 3,167.24 1,683.45 434.15 296.26 173.36 416.79 Secured Loans 0.00 0.00 0.00 0.00 7.14 0.00 0.00 1.14 0.74 0.73 Unsecured Loans 7,966.75 7,487.20 5,019.12 4,732.89 3,224.87 1,771.45 563.36 340.00 240.00 140.00 Long Term Provisions 188.98 159.45 130.31 138.02 98.49 0.00 0.00 45.33 31.91 276.06 Current Liabilities 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 3,826.54 Trade Payables 1,405.96 1,127.67 892.72 728.84 665.06 529.56 119.07 85.89 90.51 7.59 Other Current Liabilities 2,561.94 2,308.21 1,513.68 1,061.27 1,639.32 987.75 431.73 287.01 233.72 286.71 Short Term Borrowings 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 3,356.97 Short Term Provisions 449.01 317.94 279.34 464.61 606.15 402.82 496.95 378.92 236.78 175.28 Total Liabilities 45,298.90 34,429.90 26,617.77 25,031.58 19,982.91 15,598.00 10,635.78 7,790.12 6,158.05 4,989.31 Net Block 550.96 439.46 308.10 310.91 196.22 241.76 23.85 2.06 1.62 1.40 Gross Block 1,067.62 831.51 596.45 478.77 264.40 270.80 28.64 5.60 6.99 6.22 Accumulated Depreciation 516.66 392.05 288.35 167.86 68.18 29.04 4.79 3.53 5.37 4.82 Non Current Assets 2,176.54 933.88 724.55 383.90 290.50 429.88 55.81 594.23 538.38 796.43 Capital Work in Progress 22.69 14.24 10.07 23.66 20.17 35.06 0.00 0.00 0.00 0.00 Non Current Investment 1,572.08 418.88 334.31 1.46 1.46 0.00 0.00 0.00 0.00 0.00 Long Term Loans & Adv. 30.81 61.30 72.07 31.51 65.35 63.77 31.94 592.14 536.77 795.03 Other Non Current Assets 0.00 0.00 0.00 16.36 7.30 89.30 0.02 0.02 0.00 0.00 Current Assets 43,122.36 33,496.02 25,893.22 24,647.68 19,692.40 15,168.11 10,579.97 7,195.89 5,619.67 4,192.87 Current Investments 567.61 878.31 623.25 0.00 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 142.16 168.47 81.52 54.45 148.82 150.73 132.48 0.00 0.00 0.00 Cash & Bank 1,354.47 1,106.39 720.10 677.36 776.77 472.68 282.95 274.44 291.46 161.96 Other Current Assets 41,058.12 789.52 908.44 986.79 18,766.81 14,544.71 10,164.54 6,921.44 5,328.21 4,030.91 Short Term Loans & Adv. 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 3,964.83 Net Current Assets 15,562.58 14,246.94 10,331.82 9,553.10 6,464.52 3,606.63 1,827.16 857.07 600.61 366.33 Total Assets 45,298.90 34,429.90 26,617.77 25,031.58 19,982.90 15,597.99 10,635.78 7,790.12 6,158.05 4,989.30

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity -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 -397.56 PBT 3,030.57 2,172.16 1,323.73 1,729.64 1,335.08 919.35 571.62 438.18 270.67 293.09 Adjustment 3,970.18 3,456.01 3,881.07 1,994.41 1,256.09 1,529.70 1,062.55 723.61 687.06 473.35 Changes in Working Capital -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 -1,087.62 Cash after chg. in Working capital -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 -321.19 Interest Paid -1,583.98 -1,026.69 -1,096.30 0.00 0.00 -691.72 -502.30 -440.43 -318.49 0.00 Tax Paid -764.37 -371.65 -482.83 -681.41 -478.84 -258.25 -338.55 -86.30 -73.49 -76.37 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 -921.44 -538.12 -996.78 -77.17 -75.79 -31.48 -0.85 0.65 0.63 1.04 Net Fixed Assets -244.56 -239.23 -104.09 -217.86 21.29 -277.22 -23.04 1.39 -0.77 -0.69 Net Investments -842.50 -339.63 -956.10 0.00 -1.46 0.00 0.00 0.00 0.00 0.00 Others 165.62 40.74 63.41 140.69 -95.62 245.74 22.19 -0.74 1.40 1.73 Cash from Financing Activity 7,823.58 5,044.54 431.75 3,922.51 2,824.13 2,934.90 2,244.23 1,140.56 1,007.75 474.81 Net Cash Inflow / Outflow 231.63 114.96 127.29 -217.59 421.60 26.33 8.51 -17.00 129.51 78.29 Opening Cash & Equivalents 758.16 643.20 515.91 733.50 311.90 282.94 274.44 291.44 161.96 83.67 Closing Cash & Equivalent 989.79 758.16 643.20 515.91 733.50 472.68 282.95 274.44 291.46 161.96

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value (Rs.) 103.48 81.69 66.54 56.69 41.72 28.76 18.46 14.71 12.30 9.50 ROA 5.67% 5.29% 3.81% 5.53% 4.86% 4.58% 4.05% 4.07% 4.78% 6.91% ROE 25.82% 23.15% 17.00% 28.24% 30.08% 32.43% 28.64% 26.77% 31.16% 48.89% ROCE 14.83% 13.38% 10.05% 15.13% 15.17% 19.42% 20.22% 15.24% 13.09% 15.95% Fixed Asset Turnover 14.39 14.95 17.29 24.96 26.16 34.65 195.51 379.28 275.47 244.51 Receivable days 4.15 4.27 2.67 4.00 7.81 9.96 14.45 0.00 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 0.00 122.29 142.96 200.20 103.71 264.28 207.66 65.33 Cash Conversion Cycle 4.15 4.27 2.67 -118.29 -135.14 -190.24 -89.26 -264.28 -207.66 -65.33 Total Debt/Equity 3.18 2.98 2.86 3.30 3.88 5.05 5.71 5.13 4.87 4.69 Interest Cover 2.33 2.44 2.27 2.33 2.32 1.68 1.51 1.82 1.72 1.96

Top Investors:

life insurance corporation of india - p & gs fund

icici prudential multi-asset fund

nippon life india trustee ltd-a/c nippon india large cap fund

mirae asset large cap fund

Annual Reports:

News Update:

SBI Card launches SBI Card MILES for Travel Enthusiasts
24th Apr 2024, 09:50 AM

The card is aimed at bringing holistic travel benefits to travellers of all kinds – travel aspirers to frequent fliers to travel aficionados
Read More
SBI Card, Titan launch Titan SBI Card
21st Mar 2024, 12:42 PM

Titan SBI Card offers accelerated benefits on spends across varied lifestyle categories
Read More
SBI Cards and Payment Services raises Rs 750 crore through NCDs
28th Feb 2024, 16:15 PM

The maturity will be on February 28, 2034
Read More
SBI Cards AndPayment - Quarterly Results
25th Jan 2024, 17:32 PM

Read More
SBI Card raises Rs 525 crore through NCDs
24th Jan 2024, 16:29 PM

The Stakeholders' Relationship and Customer Experience Committee of the Company has approved the allotment of the same
Read More

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)

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)

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: