SBI Cards and Payment Services Ltd
SBICARDSBI Cards and Payment Services Ltd
SBICARD
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
AvgAverage profitability - not good, not bad
Entry point
AvgThe stock is overpriced but is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 31.40 | 6.26 | 0.31% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 18.47 | 2.57 | 0.77% |
Forecast & Ratings
Detailed Forecast from 17 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
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
Price Forecast
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 2,492.18 | 3,471.04 | 5,370.19 | 7,286.85 | 9,752.29 | 9,713.58 | 11,301.52 | 14,285.67 | 17,483.50 | 17,920.14 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 14,487.25 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 79.17 | 95.31 | 193.09 | 378.93 | 468.38 | 491.58 | 472.71 | 561.89 | 569.69 | |||||||||||
| Selling & Administrative Expenses | — | — | — | — | — | — | — | — | — | |||||||||||
| Operating & Other expenses | 1,973.99 | 2,799.32 | 4,233.27 | 5,517.62 | 7,450.47 | 7,775.01 | 8,508.09 | 10,529.40 | 13,485.26 | |||||||||||
EBITDA | 439.02 | 576.41 | 943.83 | 1,390.30 | 1,833.44 | 1,446.99 | 2,320.72 | 3,194.38 | 3,428.55 | 3,432.89 | ||||||||||
| Depreciation/Amortization | 0.84 | 4.79 | 24.49 | 55.22 | 103.80 | 123.26 | 148.56 | 163.81 | 196.75 | 198.58 | ||||||||||
| PBIT | 438.18 | 571.62 | 919.34 | 1,335.08 | 1,729.64 | 1,323.73 | 2,172.16 | 3,030.57 | 3,231.80 | 3,234.31 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 438.18 | 571.62 | 919.34 | 1,335.08 | 1,729.64 | 1,323.73 | 2,172.16 | 3,030.57 | 3,231.80 | 3,234.31 | ||||||||||
| Taxes & Other Items | 154.28 | 198.76 | 318.21 | 470.12 | 484.82 | 339.21 | 556.02 | 772.10 | 823.92 | 825.43 | ||||||||||
| Net Income | 283.90 | 372.86 | 601.13 | 864.96 | 1,244.82 | 984.52 | 1,616.14 | 2,258.47 | 2,407.88 | 2,408.88 | ||||||||||
| EPS | 3.62 | 4.75 | 7.66 | 10.66 | 14.02 | 10.48 | 17.16 | 23.91 | 25.39 | 25.33 | ||||||||||
| DPS | 1.00 | 1.00 | 0.00 | 1.00 | 1.00 | 0.00 | 2.50 | 2.50 | 2.50 | 2.50 | ||||||||||
| Payout ratio | 0.28 | 0.21 | 0.00 | 0.09 | 0.07 | 0.00 | 0.15 | 0.10 | 0.10 | 0.10 |
Company Updates
Annual report
PDFPeers & Comparison
FinancialsPayment Infrastructure
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| SBI Cards and Payment Services Ltd | 31.41 | 6.26 | 0.31% |
| Bartronics India Ltd | 470.01 | 24.64 | — |
Price Comparison
Compare SBICARD with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Sep 2023
Dec 2023
Mar 2024
Jun 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
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) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
ICICI Prudential Multi-Asset Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.4289% | Percentage of the fund’s portfolio invested in the stock 2.32% | Change in the portfolio weight of the stock over the last 3 months -0.15% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 9/199 (+4) |
ICICI Prudential Value Discovery Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.7414% | Percentage of the fund’s portfolio invested in the stock 1.12% | Change in the portfolio weight of the stock over the last 3 months -0.04% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 21/93 (-2) |
Nippon India Multi Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.5753% | Percentage of the fund’s portfolio invested in the stock 1.14% | Change in the portfolio weight of the stock over the last 3 months 0.42% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 23/118 (+7) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
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
Dividend/Share
₹2.50
Ex DateEx Date
Mar 28, 2024
Cash Dividend
Ex DateEx DateMar 29, 2023
Dividend/Share
₹2.50
Ex DateEx Date
Mar 29, 2023
Cash Dividend
Ex DateEx DateMar 30, 2022
Dividend/Share
₹2.50
Ex DateEx Date
Mar 30, 2022
Cash Dividend
Ex DateEx DateMay 15, 2020
Dividend/Share
₹1.00
Ex DateEx Date
May 15, 2020
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
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
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
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
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
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
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
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
SBI Cards Q1 Result Review: Outlook Cautious As Asset Quality Woes Drive Rating Downgrades
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 19.13%, vs industry avg of 18.97%
Increasing Market Share
Over the last 5 years, market share increased from 99.07% to 99.71%
Lower than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 22.72%, vs industry avg of 24.7%