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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 ₹74,177 cr, stock is ranked 133
Low RiskStock is 1.59x as volatile as Nifty
788.001.05% (+8.15)
788.001.05% (+8.15)

Price Chart

High
Low
Returns
1D
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1M
1Y
5Y
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SIP
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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsPayment Infrastructure
MidcapWith a market cap of ₹74,177 cr, stock is ranked 133
Low RiskStock is 1.59x as volatile as Nifty
Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsPayment Infrastructure
MidcapWith a market cap of ₹74,177 cr, stock is ranked 133
Low RiskStock is 1.59x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
30.796.140.32%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.562.580.76%

Forecast & Ratings

Detailed Forecast 
41%
Analysts have suggested that investors can buy this stock

from 17 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.

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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 18.97%

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 99.07% to 99.71%

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 24.7%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue2,492.183,471.045,370.197,286.859,752.299,713.5811,301.5214,285.6717,483.5017,920.14
Raw Materialssubtract14,487.25
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/Amortizationsubtract0.844.7924.4955.22103.80123.26148.56163.81196.75198.58
Interest & Other Itemssubtract
Taxes & Other Itemssubtract154.28198.76318.21470.12484.82339.21556.02772.10823.92825.43
EPS3.624.757.6610.6614.0210.4817.1623.9125.3925.33
DPS1.001.000.001.001.000.002.502.502.502.50
Payout ratio0.280.210.000.090.070.000.150.100.100.10

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
Jan 21PDF
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
 

Peers & Comparison

Comparing 1 stocks from 
FinancialsPayment Infrastructure

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
SBI Cards and Payment Services Ltd30.816.140.32%
Bartronics India Ltd493.2425.86

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 Holding68.62%9.91%6.62%8.73%6.12%

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Shareholding History

MarJunSepDec '23MarJun8.45%9.48%9.09%9.35%8.59%8.73%

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
1.4570%2.32%-0.15%9/199 (+4)
ICICI Prudential Value Discovery Fund - Growth - Direct Plan

Growth
0.7560%1.12%-0.04%21/93 (-2)
Nippon India Multi Cap Fund - Growth - Direct Plan

Growth
0.5717%1.14%0.42%23/118 (+7)

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
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

23 hours 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

6 days agoCapital Market - Live
Spotlight
SBI Cards board to mull NCDs issue of Rs 5,000 cr

The company will raise funds through issuance of non-convertible debentures (NCDs) through private placement, in one or more tranches over a period of time. SBI Cards and Payment Services 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 around 18.5 MM+ cards in force. SBI Cards and Payment Services' net profit rose marginally to Rs 594.45 crore in Q1 FY25 as against Rs 593.31 crore in Q1 FY24. Total income increased 10.8% YoY to Rs 4,482.59 crore in June 2024 quarter. The scrip rose 0.74% to close at Rs 802.15 on Thursday, 12 September 2024.Powered by Capital Market - Live

6 days agoCapital Market - Live
Spotlight
SBI Cards & Payment Services Ltd soars 0.1%, rises for fifth straight session

SBI Cards & Payment Services Ltd is up for a fifth straight session in a row. The stock is quoting at Rs 769.3, up 0.1% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is down around 0.05% on the day, quoting at 25185.05. The Sensex is at 82289.75, down 0.08%. SBI Cards & Payment Services Ltd has risen around 10.11% in last one month. Meanwhile, Nifty Financial Services index of which SBI Cards & Payment Services Ltd is a constituent, has risen around 5.95% in last one month and is currently quoting at 23834.05, up 0.11% on the day. The volume in the stock stood at 10.4 lakh shares today, compared to the daily average of 17.14 lakh shares in last one month. The benchmark September futures contract for the stock is quoting at Rs 771.5, up 0.47% on the day. SBI Cards & Payment Services Ltd is down 7.66% in last one year as compared to a 28.42% spurt in NIFTY and a 20.75% spurt in the Nifty Financial Services index.The PE of the stock is 30.26 based on TTM earnings ending June 24.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
SBI Cards & Payment Services Ltd soars 3.83%, Gains for third straight session

SBI Cards & Payment Services Ltd is up for a third straight session in a row. The stock is quoting at Rs 772.85, up 3.83% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.05% on the day, quoting at 25264.95. The Sensex is at 82513.56, down 0.06%. SBI Cards & Payment Services Ltd has added around 10.04% in last one month. Meanwhile, Nifty Financial Services index of which SBI Cards & Payment Services Ltd is a constituent, has added around 3.99% in last one month and is currently quoting at 23727.55, down 0.24% on the day. The volume in the stock stood at 52.43 lakh shares today, compared to the daily average of 12.87 lakh shares in last one month. The benchmark September futures contract for the stock is quoting at Rs 775.55, up 3.72% on the day. SBI Cards & Payment Services Ltd is down 8.19% in last one year as compared to a 29.37% gain in NIFTY and a 19.62% gain in the Nifty Financial Services index.The PE of the stock is 29.37 based on TTM earnings ending June 24.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
SBI Cards & Payment Services Ltd soars 0.13%, rises for fifth straight session

SBI Cards & Payment Services Ltd is up for a fifth straight session in a row. The stock is quoting at Rs 737.7, up 0.13% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.32% on the day, quoting at 25098.9. The Sensex is at 81934.07, up 0.27%. SBI Cards & Payment Services Ltd has risen around 4.21% in last one month. Meanwhile, Nifty Financial Services index of which SBI Cards & Payment Services Ltd is a constituent, has risen around 1% in last one month and is currently quoting at 23578.8, down 0.13% on the day. The volume in the stock stood at 10.72 lakh shares today, compared to the daily average of 13.21 lakh shares in last one month. The benchmark August futures contract for the stock is quoting at Rs 739, up 0.06% on the day. SBI Cards & Payment Services Ltd is down 10.53% in last one year as compared to a 29.76% spurt in NIFTY and a 18.93% spurt in the Nifty Financial Services index.The PE of the stock is 29.08 based on TTM earnings ending June 24.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
SBI Cards allots 95,240 equity shares under ESOP

SBI Cards & Payment Services has allotted 95,240 equity shares under ESOP on 23 August 2024. Post allotment, the paid-up capital of the Company has increased from Rs. 9,51,08,10,340/- consisting of 95,10,81,034 equity shares of Rs. 10/- each to Rs. 9,51, 17,62,740/- consisting of 95, 11,76,274 equity shares of Rs. 10/- each. Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
SBI Cards allots NCDs aggregating Rs 1500 cr

SBI Cards & Payment Services has allotted 1500 0 Fixed Rate, Unsecured, Rated, Taxable, Redeemable, Subordinate Tier II, Listed, Non-Convertible Debentures (NCDs) of the face value of Rs. 1,00,00,000 each, at par, under Series 36 aggregating to Rs. 1500 crore, on private placement basis.Powered by Capital Market - Live

1 month agoCapital Market - Live
Bernstein Maintains Hold On SBI, Sell On SBI Cards | Watch Why
1 month agoNDTV Profit

SBI Cards Q1 Result Review: Outlook Cautious As Asset Quality Woes Drive Rating Downgrades

1 month agoBloomberg Quint