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Fincash » Search » SBI Cards & Payment Services Ltd

SBI Cards Payment Services Ltd

Updated on October 15, 2020

Stock/Share Code - SBICARD

Finance >> Finance & Investments

Below is the details of SBICARD SBI Cards Payment Services Ltd

Market Cap₹75,849 Cr.
Current Price ₹895.3 as on 21 Oct 20
52 Week High / Low Price₹848.45 / ₹495
Face Value₹10
Stock P/E60.93
Book Value₹56.88
Dividend Yield0.12 %
ROCE15.18 %
ROE27.90 %
Sales Growth (3yrs)40.47 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has delivered good profit growth of 36.09% CAGR over last 5 years Company has a good return on equity (ROE) track record: 3 Years ROE 29.03%
Cons: Stock is trading at 14.20 times its book value

SBI Cards Payment Services Ltd Price Chart

SBI Cards Payment Services Ltd Price Chart

SBI Cards Payment Services Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Finance ₹3,018 41.78 ₹210,170.41 Cr. 0.29 ₹962.32 Cr. -19.49 14.52 6648.20 11.95
2. Bajaj Finserv ₹3,018 26.35 ₹98,511.55 Cr. 0.08 ₹1,215.15 Cr. 43.75 15.63 14189.99 12.65
3. SBI Cards 60.93 ₹75,848.93 Cr. 0.12 ₹393.29 Cr. 13.80 4.06 2152.20 15.18
4. HDFC AMC ₹2,048.75 40.31 ₹51,319.04 Cr. 1.16 ₹302.36 Cr. 3.62 -18.42 411.49 46.82
5. Muthoot Finance ₹1,213.2 13.39 ₹45,993.68 Cr. 1.31 ₹853.51 Cr. 53.46 25.96 2604.48 16.01
6. Bajaj Holdings ₹3,018 9.93 ₹29,812.37 Cr. 1.49 ₹679.13 Cr. 1.47 14.84 90.25 12.16
7. Cholaman.Inv.&Fn 16.27 ₹19,031.2 Cr. 0.73 ₹431.3 Cr. 36.85 3.93 2125.55 10.30

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SBI Cards Payment Services Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2019Jun 2019Dec 2019Mar 2020Jun 2020
Revenue1,9832,0682,4792,4332,152
Interest273302345334275
Expenses -1,4021,4401,6082,0351,365
Employee Cost %4.75%5.05%5.01%5.48%5.21%
Financing Profit30832652664513
Financing Margin %16%16%21%3%24%
Other Income93236847743
Depreciation1629272928
Profit before tax385533583112528
Tax %35%35%25%25%26%
Net Profit24934643584393
EPS in Rs0.894.19
Gross NPA %2.44%1.35%2.01%2.68%
Net NPA %
NotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue1,4381,8222,3923,3475,1957,0179,276
Interest3003784365287121,0171,301
Expenses -9181,2551,6172,3663,7154,8576,618
Manufacturing Cost %19.05%17.60%17.33%14.48%9.18%0.97%0.00%
Employee Cost %3.80%3.41%3.31%2.85%3.72%5.56%5.05%
Other Cost %40.96%47.89%46.97%53.37%58.61%62.68%45.38%
Financing Profit2201893394527691,1431,358
Financing Margin %15%10%14%14%15%16%15%
Other Income7482100124175270476
Depreciation11152481104
Profit before tax2932714385729191,3321,730
Tax %0%1%35%35%35%35%28%
Net Profit2932672843736018631,245
EPS in Rs13.35
Dividend Payout %0%15%28%21%0%10%8%

Compounded Sales Growth

  • 5 Years:: 38.47%
  • 3 Years:: 40.47%
  • TTM:: 32.19%

Compounded Profit Growth

  • 5 Years:: 36.09%
  • 3 Years:: 49.46%
  • TTM:: 44.29%

Return on Equity

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -785785785785785837939
Equity Capital785785785785785837939
Reserves-391813706641,5682,7444,402
Borrowings3,4984,6995,9288,26811,41313,65117,365
Other Liabilities -4915937971,0481,9203,0072,597
Trade Payables89186119518662721
Other liability items4845027119291,4022,3461,876
Total Liabilities4,7356,2577,88010,76515,68620,24025,303
Fixed Assets -12224242286323
Gross Block67629271397
Accumulated Depreciation554529110
CWIP0000352011
Investments0000011
Other Assets -4,7346,2567,87810,74115,40919,93224,967
Trade receivables000252314954
Cash Equivalents162291274283473777676
Loans n Advances4,0315,4287,01210,22214,37518,25222,812
Other asset items5415375922115387541,425
Total Assets4,7356,2577,88010,76515,68620,24025,303

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --398-879-1,158-2,235-2,891-2,400-4,067
Profit from operations7739581,1621,6342,4373,5273,718
Receivables000-2062-14394
Payables0003330613664
Loans Advances-1,255-1,573-1,966-3,329-4,862-4,890-6,840
Other WC items160129172288116345-422
Working capital changes-1,095-1,444-1,793-3,028-4,378-4,553-7,104
Interest paid0-319-440-502-692-8950
Direct taxes-76-73-86-339-258-479-681
Cash from Investing Activity -111-1128-76-73
Fixed assets purchased-0-0-00-42-129-78
Fixed assets sold00002330
Investments purchased-1,401-985-967-1,270-1,430-766-1,600
Investments sold1,4029869681,2701,4317651,601
Interest received00003214
Other investing items000016300
Cash from Financing Activity -4751,0081,1412,2442,9532,7793,922
Proceeds from shares00000470494
Proceeds from debentures01510023,67722,10119,92820,841
Redemption of debentures000-18,726-26,623-18,735-19,293
Proceeds from borrowings31601,08507,6101,1662,032
Repayment of borrowings-1,600-1,0140-2,608-40-50-50
Interest paid fin-47000000
Dividends paid0-47-94-94-940-101
Financial liabilities0-1-1-4000
Other financing items1,8062,055510000
Net Cash Flow78130-179190304-218

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Ratios

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %31%27%29%32%29%28%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.