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SBI Cards and Payment Services Ltd

SBICARD

SBI Cards and Payment Services Ltd

SBICARD
FinancialsPayment Infrastructure
MidcapWith a market cap of ₹69,400 cr, stock is ranked 144
Low RiskStock is 1.50x as volatile as Nifty
718.051.20% (-8.75)
718.051.20% (-8.75)

Price Chart

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1W
1M
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Max
SIP
FinancialsPayment Infrastructure
MidcapWith a market cap of ₹69,400 cr, stock is ranked 144
Low RiskStock is 1.50x as volatile as Nifty

How to use scorecard? Learn more

FinancialsPayment Infrastructure
MidcapWith a market cap of ₹69,400 cr, stock is ranked 144
Low RiskStock is 1.50x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
31.405.740.34%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.532.580.94%

Forecast & Ratings

Detailed Forecast 
33%
Analysts have suggested that investors can buy this stock

from 18 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

SBI Cards and Payment Services Private Limited is an India-based company engaged on marketing and distribution of credit cards.

Investor Presentation

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Oct 29, 2024

PDF
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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 19.13%, vs industry avg of 18.99%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 98.71% to 99.3%

Lower than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 22.72%, vs industry avg of 24.74%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue2,492.183,471.045,370.197,286.859,752.299,713.5811,301.5214,285.6717,483.5018,254.58
Raw Materialssubtract15,082.32
Power & Fuel Costsubtract
Employee Costsubtract79.1795.31193.09378.93468.38491.58472.71561.89569.69
Selling & Administrative Expensessubtract
Operating & Other expensessubtract1,973.992,799.324,233.275,517.627,450.477,775.018,508.0910,529.4013,485.26
Depreciation/Amortizationsubtract0.844.7924.4955.22103.80123.26148.56163.81196.75202.13
Interest & Other Itemssubtract
Taxes & Other Itemssubtract154.28198.76318.21470.12484.82339.21556.02772.10823.92759.81
EPS3.624.757.6610.6614.0210.4817.1623.9125.3923.24
DPS1.001.000.001.001.000.002.502.502.502.50
Payout ratio0.280.210.000.090.070.000.150.100.100.11

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2021

Annual report

PDF

Investor Presentation

Apr 26PDF
FY 2022

Annual report

PDF

Investor Presentation

Apr 29PDF
Oct 28PDF
Jul 23PDF
FY 2023

Annual report

PDF

Investor Presentation

Apr 28PDF
Jan 24PDF
Oct 27PDF
Jul 28PDF
FY 2024

Annual report

PDF

Investor Presentation

Jul 28PDF
FY 2025

Annual Report Pending

Investor Presentation

Oct 29PDF
 

Peers & Comparison

Comparing 2 stocks from 
FinancialsPayment Infrastructure

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
SBI Cards and Payment Services Ltd28.825.740.34%
Bartronics India Ltd439.3423.04
WSFx Global Pay Ltd35.294.470.82%

Price Comparison

Compare SBICARD with any stock or ETF
Compare SBICARD with any stock or ETF
SBICARD
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding68.61%9.89%6.86%9.18%5.47%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep9.48%9.09%9.35%8.59%8.73%9.18%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding SBI Cards and Payment Services Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
ICICI Prudential Multi-Asset Fund - Growth - Direct Plan

Growth
1.5945%2.17%-0.15%8/228 (0)
ICICI Prudential Large & Mid Cap Fund - Growth - Direct Plan

Growth
0.7918%3.11%0.45%7/122 (+2)
ICICI Prudential ELSS Tax Saver Fund - Growth - Direct Plan

Growth
0.5420%2.62%0.04%12/84 (+2)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateMar 28, 2024

Interim
Interim | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Mar 28, 2024

Cash Dividend

Ex DateEx DateMar 29, 2023

Interim
Interim | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Mar 29, 2023

Cash Dividend

Ex DateEx DateMar 30, 2022

Interim
Interim | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Mar 30, 2022

Cash Dividend

Ex DateEx DateMay 15, 2020

Interim
Interim | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

May 15, 2020

News & Opinions
Corporate
SBI Card achieves 2 cr cards in force milestone

SBI Card has surpassed the 2 crore cards in force milestone, highlighting its commitment to delivering innovative solutions and enhancing customer experiences across the nation. This achievement also underscores SBI Card's pivotal role in transforming India's credit card landscape, and its promise of 'Currency of Digital India'. Since its inception in 1998, SBI Card has been a pioneer in designing a wide range of products to ' meet diverse customer needs. From thoughtful core cards, co-branded partnerships with premium brands, to rewards-driven and lifestyle-centric offerings, SBI Card has consistently set new benchmarks for customer-focused innovation in the Indian credit card industry and strengthened its leadership in the market. SBI Card has witnessed strong growth of around 25% CAGR in cards in force, and 26% CAGR in spends, between FY19 and FY24.Powered by Capital Market - Live

6 days agoCapital Market - Live
Spotlight
SBI Cards & Payment Services Ltd soars 1.12%

SBI Cards & Payment Services Ltd is up for a third straight session in a row. The stock is quoting at Rs 712.3, up 1.12% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.01% on the day, quoting at 24460.55. The Sensex is at 80958.35, up 0.14%. SBI Cards & Payment Services Ltd has risen around 2.5% in last one month. Meanwhile, Nifty Financial Services index of which SBI Cards & Payment Services Ltd is a constituent, has risen around 1.55% in last one month and is currently quoting at 24296.55, up 0.85% on the day. The volume in the stock stood at 5.25 lakh shares today, compared to the daily average of 8.49 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 712.2, up 1.04% on the day. SBI Cards & Payment Services Ltd is down 4.79% in last one year as compared to a 17.29% spurt in NIFTY and a 16.37% spurt in the Nifty Financial Services index.The PE of the stock is 30.31 based on TTM earnings ending September 24.Powered by Capital Market - Live

1 week agoCapital Market - Live
Spotlight
SBI Cards & Payment Services Ltd soars 1.42%, rises for fifth straight session

SBI Cards & Payment Services Ltd gained for a fifth straight session today. The stock is quoting at Rs 715.5, up 1.42% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is down around 1.01% on the day, quoting at 24030.45. The Sensex is at 79346.41, down 1.11%. SBI Cards & Payment Services Ltd has risen around 4.42% in last one month. Meanwhile, Nifty Financial Services index of which SBI Cards & Payment Services Ltd is a constituent, has risen around 1.22% in last one month and is currently quoting at 24171.55, down 0.45% on the day. The volume in the stock stood at 5.45 lakh shares today, compared to the daily average of 12.09 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 715.65, up 1.24% on the day. SBI Cards & Payment Services Ltd is down 2.94% in last one year as compared to a 19.57% spurt in NIFTY and a 20.31% spurt in the Nifty Financial Services index.The PE of the stock is 30.37 based on TTM earnings ending September 24.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
Board of SBI Cards appoints Chairman

The Board of SBI Cards & Payment Services at its meeting held on 22 November 2024 has approved the appointment of Challa Sreenivasulu Setty (DIN: 08335249) as Nominee Director (nominated by State Bank of India) and Chairman of the Board of the Company with immediate effect, subject to the approval of shareholders of the Company. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
SBI Cards Q2 PAT slumps 33% YoY to Rs 404 cr

However, total revenue from operations stood at Rs 4,421.04 crore in the second quarter of FY25, up 8.16% year on year. Interest income jumped 20.40% to Rs 2,289.74 crore in Q2 FY25 from Rs 1,901.75 crore in Q2 FY24. Non-interest income (fees, commission & others) fell by 0.84% to Rs 1,957.31 crore in Q2 FY25 from Rs 1,973.94 crore in Q2 FY24. Finance costs climbed 30.22% YoY to Rs 787.68 crore while total operating cost declined 3% YoY to Rs 2,011crore during the period under review. Impairment on financial instruments jumped 63.34% to Rs 1,212 crore in Q2 FY25 from Rs 742 crore in Q2 FY24. The firm's return on average assets (ROAA) and return on average equity (ROAE) stood at 2.7% and 12.5%, respectively in the quarter ended 30 September 2024. On asset quality front, gross non-performing assets were at 3.27% of gross advances as of 30 September 2024 as against 2.43% as of 30 September 2023. Net non-performing assets were at 1.19% as of 30 September 2024, as against 0.89% as of 30 September 2023. As of 30 September 2024, the company's CRAR was 22.1% compared to 23.3% as of 30 September 2023. Tier I capital was 16.3% as of 30 September 2024, compared to 20.8% as of 30 September 2023. Total advances (net of provisions) as of 30 September 2024 stood at Rs 53,596 crore as compared with Rs 49,079 crore as of 30 September 2023. Net worth as of 30 September 2024 was at Rs 13,161 crore as against Rs 12,156 crore as of 30 September 2023. SBI Cards and Payment Services (SBI Card) is a non-banking financial company that offers extensive credit card portfolio to individual cardholders and corporate clients which includes lifestyle, rewards, travel & fuel, and banking partnerships cards along with corporate cards covering all major cardholders' segments in terms of income profile and lifestyle. The brand has a wide base of over 19.5 MM+ cards in force as of Q2 FY25. It has diversified customer acquisition network that enables to engage prospective customers across multiple channels. SBI Card is a technology driven company. Shares of SBI Cards and Payment Services rallied 2.91% to close at Rs 686.90 on the BSE.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
SBI Cards & Payment Services standalone net profit declines 32.93% in the September 2024 quarter

Net profit of SBI Cards & Payment Services declined 32.93% to Rs 404.42 crore in the quarter ended September 2024 as against Rs 602.98 crore during the previous quarter ended September 2023. Sales rose 8.16% to Rs 4421.04 crore in the quarter ended September 2024 as against Rs 4087.33 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales4421.044087.33 8 OPM %28.2432.47 - PBDT595.56856.19 -30 PBT545.21809.39 -33 NP404.42602.98 -33 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
SBI Cards allots 36,500 equity shares under ESOP

SBI Cards & Payment Services has allotted 36,500 equity shares under ESOP on 23 October 2024. With this allotment, the paid up equity share capital has increased to Rs. 9,51,30,42,740 /- consisting of 95, 13,04,274 equity shares of Rs. 10/- each.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
SBI Cards & Payment Services Ltd down for fifth straight session

SBI Cards & Payment Services Ltd is down for a fifth straight session today. The stock is quoting at Rs 730, down 1.77% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.93% on the day, quoting at 24780.85. The Sensex is at 81006.87, down 0.83%.SBI Cards & Payment Services Ltd has lost around 9.02% in last one month.Meanwhile, Nifty Financial Services index of which SBI Cards & Payment Services Ltd is a constituent, has eased around 1.74% in last one month and is currently quoting at 23621.8, down 1.32% on the day. The volume in the stock stood at 9.25 lakh shares today, compared to the daily average of 20.71 lakh shares in last one month. The benchmark October futures contract for the stock is quoting at Rs 735.2, down 1.74% on the day. SBI Cards & Payment Services Ltd tumbled 6.79% in last one year as compared to a 27% rally in NIFTY and a 18.96% spurt in the Nifty Financial Services index.The PE of the stock is 29.3 based on TTM earnings ending June 24.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Board of SBI Cards & Payment Services approves NCD issuance of Rs 5000 cr

The Board of SBI Cards & Payment Services at its meeting held on 18 September 2024 has approved raising of funds by way of issuance of Non-Convertible Debentures (NCDs) aggregating to Rs. 5,000 crore in one or more tranches, on private placement basis.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
SBI Cards & Payment Services to hold board meeting

SBI Cards & Payment Services will hold a meeting of the Board of Directors of the Company on 18 September 2024.Powered by Capital Market - Live

2 months agoCapital Market - Live