SBI Cards And Payment Services Ltd.

₹ 687.00

16.40 (2.33%)

Daily Range

Today's Low

₹ 685.10

Today's High

₹ 708.15

52 Weeks Range

52 Weeks Low

₹ 655.70

52 Weeks High

₹ 1,028.65

Momentum of the Stock

Strong Bearish

Circuit Limit

Lower

₹ 633.10

Upper

₹ 773.70

Financials Strength Score

4 Stable19

Piotroski Score

Company Profile

SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. It acts as corporate insurance agent for selling insurance policies to credit card customers. The company also offers AURUM, Paytm, DMRC, BPCL, IRCTC, and SBI Elite and Prime Amex-SBI cards, as well as SimplySave and SimplyClick cards. SBI Cards and Payment Services Limited has a strategic partnership with American Express; and partnership agreement with Paytm, RuPay, and Delhi Metro Rail Corporation, as well as collaboration with GooglePay and JioPay. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited is a subsidiary of State Bank of India.

Companies under the same Group

SBI
SBI Life Insuran

Key Metrics

Standalone

Consolidated

No of shares Outstanding

95.1 Cr.

EPS-TTM

₹23.23

Face Value

₹10.00

Book Value

₹137.60

Net Asset Value

₹103.48

ROE

25.82%

ROA

5.67%

ROCE

14.83%

Dividend Yield

0.36%

Total Debt

₹ 0.0 Cr.

Sales Growth

28.00%

PAT Growth

39.74%

Financials

StandaloneConsolidated

Balance Sheet

(All Values are in INR Cr.)

Particulars	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012	FY 2011	FY 2010	FY 2009
Current Assets	43,122.4	33,496.0	25,893.2	24,647.7	19,692.4	15,168.1	10,580.0	7,195.9	5,619.7	4,192.9	3,097.6	2,077.3	1,786.6	2,170.6	2,437.0
Non-Current Assets	2,176.5	933.9	724.6	383.9	290.5	429.9	55.8	594.2	538.4	796.4	390.4	427.3	366.0	1.0	1.0
Total Assets	45,298.9	34,429.9	26,617.8	25,031.6	19,982.9	15,598.0	10,635.8	7,790.1	6,158.1	4,989.3	3,487.9	2,504.6	2,152.6	2,172.7	2,439.2
Current Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Non-Current Liabilities	7,909.1	7,428.1	4,754.3	4,595.8	3,243.5	1,693.9	435.9	296.3	173.4	416.8	241.4	342.8	289.8	1,464.9	1,599.7
Total Equity	9,830.1	7,752.7	6,302.0	5,341.2	3,587.8	2,353.1	1,448.8	1,155.0	965.6	746.0	453.0	316.5	278.3	176.1	198.6
Total Liabilities & Total Equity	45,298.9	34,429.9	26,617.8	25,031.6	19,982.9	15,598.0	10,635.8	7,790.1	6,158.1	4,989.3	3,487.9	2,504.6	2,152.6	2,172.7	2,439.2

Financial Statement Analysis

Quick Ratio
The Industry Quick Ratio stands at 2.41, vs the Quick Ratio of 1.56, which results in a Negative aspect.
Price to BV
The Industry Price to BV stands at 4.22, vs the Price to BV of 5.97, which results in a Positive aspect.
Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 3.50, vs the Debt to Equity Ratio of 3.18, which results in a Positive aspect.
Current Ratio
The Industry Current Ratio stands at 2.42, vs the Current Ratio of 1.56, which results in a Negative aspect.

Profit and Loss Statement

(All Values are in INR Cr.)

Particulars	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012	FY 2011	FY 2010	FY 2009
Total Income	13,666.6	10,677.3	9,296.5	9,276.4	6,999.1	5,187.0	3,346.2	2,386.8	1,819.7	1,436.8	1,006.7	713.7	619.6	666.4	809.3
Total Expenditure	8,807.3	8,033.7	6,866.5	6,230.3	4,588.2	3,065.5	1,767.6	1,520.7	1,256.3	911.5	710.9	606.3	574.3	700.8	812.9
Operating Profit(Excl OI)	5,478.4	3,824.1	2,847.1	3,522.0	2,698.7	2,304.7	1,703.4	972.4	649.2	598.9	348.4	194.2	118.4	-34.4	-3.6
Add: Other Income	619.0	1,180.5	417.1	475.9	287.7	183.2	124.8	106.3	85.7	73.6	52.5	86.8	73.0	0.0	0.0
Operating Profit	5,478.4	3,824.1	2,847.1	3,522.0	2,698.7	2,304.7	1,703.4	972.4	649.2	598.9	348.4	194.2	118.4	-34.4	-3.6
Less: Interest	2,284.0	1,503.3	1,400.1	1,688.5	1,308.4	1,360.8	1,127.0	533.3	377.8	305.1	212.1	154.5	110.8	118.6	180.9
PBDT	3,194.4	2,320.7	1,447.0	1,833.4	1,390.3	943.8	576.4	439.0	271.4	293.8	136.3	39.7	7.6	-153.0	-184.5
Less: Depreciation	163.8	148.6	123.3	103.8	55.2	24.5	4.8	0.8	0.8	0.7	0.8	1.0	0.9	0.5	0.7
PBT & Exceptional Items	3,030.6	2,172.2	1,323.7	1,729.6	1,335.1	919.4	571.6	438.2	270.7	293.1	135.5	38.8	6.7	-153.5	-185.1
Less: Exceptional Income Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Profit Before Tax	3,030.6	2,172.2	1,323.7	1,729.6	1,335.1	919.4	571.6	438.2	270.7	293.1	135.5	38.8	6.7	-153.5	-185.1
Less: Taxation	772.1	556.0	339.2	484.8	470.1	318.2	198.8	154.3	4.0	0.0	-0.8	0.8	-0.4	-1.1	135.8
Profit After Tax	2,258.5	1,616.1	984.5	1,244.8	865.0	601.1	372.9	283.9	266.7	293.1	136.3	37.9	7.1	-152.5	-320.9
Earnings Per Share	23.9	17.1	10.5	13.3	0.1	0.8	0.5	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0

Financial Statement Analysis

Dividend Yield
The Industry Dividend Yield stands at 0.81, vs the Dividend Yield of 0.31, which results in a Negative aspect.
PAT Margin
The Industry PAT Margin stands at 124.96, vs the PAT Margin of 16.53, which results in a Negative aspect.
PAT Growth
The Industry PAT Growth stands at 128.46, vs the PAT Growth of 39.74, which results in a Negative aspect.
PE Ratio
The Industry PE Ratio stands at 27.41, vs the PE Ratio of 31.41, which results in a Positive aspect.

Cash Flow Statement

(All Values are in INR Cr.)

Particulars	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012	FY 2011
Profit Before Tax	3,030.6	2,172.2	1,323.7	1,729.6	1,335.1	919.3	571.6	438.2	270.7	293.1	135.5	38.8	6.7
Tax Paid	-764.4	-371.7	-482.8	-681.4	-478.8	-258.3	-338.6	-86.3	-73.5	-76.4	-17.5	-11.4	13.4
Adjustment	3,970.2	3,456.0	3,881.1	1,994.4	1,256.1	1,529.7	1,062.5	723.6	687.1	473.3	329.2	281.9	282.2
Changes In Working Capital	3,030.6	2,172.2	1,323.7	1,729.6	1,335.1	919.3	571.6	438.2	270.7	293.1	135.5	38.8	6.7
Cash Flow after changes in Working Capital	-4,322.2	-2,993.1	2,271.5	-3,381.5	-1,847.9	-1,927.1	-1,394.0	-631.5	-486.9	-321.2	-720.3	-228.1	41.2
Cash Flow from Operating Activities	-6,670.5	-4,391.5	692.3	-4,062.9	-2,326.7	-2,877.1	-2,234.9	-1,158.2	-878.9	-397.6	-737.8	-239.5	54.7
Cash Flow from Investing Activities	-921.4	-538.1	-996.8	-77.2	-75.8	-31.5	-0.8	0.6	0.6	1.0	1.2	0.7	0.5
Cash Flow from Financing Activities	7,823.6	5,044.5	431.8	3,922.5	2,824.1	2,934.9	2,244.2	1,140.6	1,007.8	474.8	788.0	210.2	-37.6
Net Cash Inflow / Outflow	231.6	115.0	127.3	-217.6	421.6	26.3	8.5	-17.0	129.5	78.3	51.5	-28.6	17.6
Opening Cash & Cash Equivalents	758.2	643.2	515.9	733.5	311.9	282.9	274.4	291.4	162.0	83.7	32.2	60.8	43.2
Closing Cash & Cash Equivalent	989.8	758.2	643.2	515.9	733.5	472.7	282.9	274.4	291.5	162.0	83.7	32.2	60.8

Financial Statement Analysis

PFCF Ratio
The Industry PFCF Ratio stands at -5.20, vs the PFCF Ratio of -7.78, which results in a Negative aspect.
PCF RATIO
The Industry PCF RATIO stands at 0.47, vs the PCF RATIO of -10.49, which results in a Negative aspect.

Quarterly Reports

(All Values are in INR Cr.)

Particulars	Sep 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021	Mar 2021	Dec 2020	Sep 2020	Jun 2020	Mar 2020
Net Sales	44,210.4	46,217.0	40,873.5	39,118.8	37,621.6	35,071.2	32,970.8	31,003.0	28,503.1	28,894.6	25,762.4	23,619.0	23,086.8	24,032.0	24,134.0	21,522.0	24,332.4
Total Income	45,558.2	47,416.0	42,214.0	40,461.1	39,165.7	36,561.5	34,533.2	32,628.5	30,161.0	31,396.6	26,954.6	24,509.4	24,681.4	25,397.7	25,127.3	21,956.0	25,104.0
Total Expenditure	31,725.8	32,577.4	27,603.3	26,309.1	25,645.8	24,665.1	23,413.8	20,743.9	19,303.3	23,073.9	19,374.1	17,789.9	19,559.7	19,647.7	19,403.1	13,648.0	20,352.2
PBIDT (Excl OI)	12,484.6	13,639.6	13,270.2	12,809.7	11,975.8	10,406.1	9,557.0	10,259.1	9,199.8	5,820.7	6,388.3	5,829.1	3,527.1	4,384.3	4,730.9	7,874.0	3,980.2
Other Income	1,347.8	1,199.0	1,340.5	1,342.3	1,544.1	1,490.3	1,562.4	1,625.5	1,657.9	2,502.0	1,192.2	890.4	1,594.6	1,365.7	993.3	434.0	771.6
Operating Profit	13,832.4	14,838.6	14,610.7	14,152.0	13,519.9	11,896.4	11,119.4	11,884.6	10,857.7	8,322.7	7,580.5	6,719.5	5,121.7	5,750.0	5,724.2	8,308.1	4,751.8
Interest	7,876.8	6,954.9	6,048.6	5,710.7	5,072.6	4,642.8	3,677.1	3,083.8	2,673.7	2,768.1	2,541.3	2,290.1	2,436.6	2,609.3	2,641.7	2,746.3	3,344.2
Exceptional Items	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
PBDT	5,955.6	7,883.7	8,562.1	8,441.3	8,447.3	7,253.6	7,442.3	8,800.8	8,184.0	5,554.6	5,039.2	4,429.4	2,685.1	3,140.7	3,082.4	5,561.7	1,407.6
Depreciation	503.5	507.8	468.0	475.6	450.6	410.3	385.8	391.6	391.8	369.4	398.0	326.4	341.1	311.9	300.6	279.1	286.8
Profit Before Tax	5,452.1	7,375.9	8,094.1	7,965.7	7,996.7	6,843.3	7,056.5	8,409.2	7,792.2	5,185.2	4,641.2	4,103.0	2,344.0	2,828.8	2,781.9	5,282.7	1,120.9
Tax	1,407.9	1,885.1	2,064.3	2,032.6	2,032.0	1,748.7	1,800.1	2,140.1	1,983.6	1,327.4	1,192.2	1,056.9	589.8	732.2	720.4	1,349.8	285.4
Provisions and contingencies	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Profit After Tax	4,044.2	5,490.8	6,029.8	5,933.1	5,964.7	5,094.6	5,256.4	6,269.1	5,808.6	3,857.8	3,449.0	3,046.1	1,754.2	2,096.6	2,061.5	3,932.9	835.4
Net Profit	4,044.2	5,490.8	6,029.8	5,933.1	5,964.7	5,094.6	5,256.4	6,269.1	5,808.6	3,857.8	3,449.0	3,046.1	1,754.2	2,096.6	2,061.5	3,932.9	835.4
ADDITIONAL INFOS:
Equity Capital	9,512.7	9,507.6	9,467.4	9,463.6	9,460.7	9,457.0	9,433.4	9,432.6	9,431.8	9,430.9	9,412.0	9,410.5	9,405.3	9,405.3	9,396.7	9,389.6	9,389.6
Reserves	121,383.6	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS	4.3	5.8	6.4	6.3	6.3	5.4	5.6	6.7	6.2	4.1	3.7	3.2	1.9	2.2	2.2	4.2	0.9
Operating Profit Margin	31.3	32.1	35.7	36.2	35.9	33.9	33.7	38.3	38.1	28.8	29.4	28.4	22.2	23.9	23.7	38.6	19.5
Net Profit Margin	9.1	11.9	14.8	15.2	15.9	14.5	15.9	20.2	20.4	13.4	13.4	12.9	7.6	8.7	8.5	18.3	3.4

Financial Statement Analysis

Mcap Growth
The Industry Mcap Growth stands at 1.41, vs the Mcap Growth of -12.90, which results in a Negative aspect.
Net Sales Growth
The Industry Net Sales Growth stands at 26.58, vs the Net Sales Growth of 28.00, which results in a Positive aspect.

Technicals

Pivot Levels

Check Advanced Levels

Type	Classic	Woodie	Camarilla
R4	733.10	760.96	699.68
R3	724.78	721.58	693.34
R2	716.47	714.86	691.23
R1	701.73	698.53	689.11
Pivot	693.42	691.81	693.42
S1	678.68	675.48	684.89
S2	670.37	668.76	682.77
S3	655.63	652.43	680.66
S4	640.90	622.66	674.32

(All Values are in INR)

The Pivot level gives the user an indication about key support & resistance levels for a selected stock.

EMA & SMA Levels

5 Day

733.19

10 Day

734.84

20 Day

716.57

50 Day

719.83

100 Day

738.39

200 Day

782.43

Beta

1 Day

0.48

1 Week

0.48

1 Month

0.49 Indicators

Stoch RSI
100.00
Bearish
RSI
71.35
Bearish
ROC
-5.16
Bearish
UltimateOscillator
31.40
Neutral
Williams Indicator
-96.71
Bullish
CCI Indicator
-127.21
Bullish
MACD
-2,409.97
Bearish
Stochastic Indicator
6.90
Neutral
ATR
20.25
Low Volatility

Corporate Actions

Corporate Actions - Board Meet

Announcement Date	Dividend Amount	Dividend Percentage of FV	Dividend Type
28-03-2024	2.50	25	Interim
29-03-2023	2.50	25	Interim
30-03-2022	2.50	25	Interim

Date Of Conduct	Board Meeting Details
29-10-2024	Quarterly Results
25-01-2024	Quarterly Results
27-10-2023	Quarterly Results
28-07-2023	Quarterly Results
05-06-2023	Inter alia, to consider and approve the proposal, for raising of funds through issuance of Non-Convertible Debentures (NCDs) aggregating to Rs. 3,000 Crore through private placement, in one or more tranches over a period of time.
28-04-2023	Audited Results
21-03-2023	Interim Dividend
24-01-2023	Quarterly Results
27-10-2022	Quarterly Results
28-07-2022	Quarterly Results
06-06-2022	Inter alia, to consider and approve the proposal, for raising of funds through issuance of Non-Convertible Debentures (NCDs) aggregating to Rs. 2 ,500 Crores in one or more tranches over a period of time
29-04-2022	Audited Results
22-03-2022	Interim Dividend
24-01-2022	Quarterly Results
28-10-2021	Quarterly Results & Inter alia, to consider and approve raising of funds by way of issuance of Non-Convertible Debentures (NCDs), aggregating to Rs. 2,000 Crores in one or more tranches over a period of time.
23-07-2021	Quarterly Results
26-04-2021	Audited Results

Frequently Asked Questions

The share price of SBICARD is 687.

You can easily buy SBICARD shares by opening a Demat and trading Account from Enrich money free of cost. You can trade using their Web Trading Platform or Mobile App.

The Market Capitalization of SBI Cards AndPaymentshare as on today is65,390.77Cr.

The Trailing Twelve Months (TTM) PE Ratio of SBI Cards AndPaymentis29.58

The Earnings per Share (EPS) of SBI Cards AndPaymentis23.23

The 52 Week Low of 647.95, and 52 Week High is 817.40

The share price changes based on the Share Market's Demand & Supply. Usually, the Beta of the Stock (Positive or Negative) measures the volatility of the stock. Based on this, the SBI Cards AndPayment share is 0.48 times volatile to the Index trend.

Ex-Date	Ratio	Record Date

SBI Cards And Payment Services Ltd.

₹ 687.00

Daily Range

52 Weeks Range

Momentum of the Stock

Strong Bearish

Circuit Limit

Financials Strength Score

Piotroski Score

Company Profile

Companies under the same Group

Key Metrics

Standalone

Consolidated

95.1 Cr.

₹23.23

₹10.00

₹137.60

₹103.48

25.82%

5.67%

14.83%

0.36%

₹ 0.0 Cr.

28.00%

39.74%

Financials

Balance Sheet

Financial Statement Analysis

Quick Ratio

Price to BV

Debt to Equity Ratio

Current Ratio

Profit and Loss Statement

Financial Statement Analysis

Dividend Yield

PAT Margin

PAT Growth

PE Ratio

Cash Flow Statement

Financial Statement Analysis

PFCF Ratio

PCF RATIO

Quarterly Reports

Financial Statement Analysis

Mcap Growth

Net Sales Growth

Technicals

Pivot Levels

Check Advanced Levels

The Pivot level gives the user an indication about key support & resistance levels for a selected stock.

EMA & SMA Levels

733.19

734.84

716.57

719.83

738.39

782.43

Beta

0.48

0.48

0.49

Indicators

Corporate Actions

Corporate Actions - Board Meet

Frequently Asked Questions

What is the share price of SBI Cards AndPayment today?

How do I buy SBI Cards AndPayment shares online?

What is the Market Cap of SBI Cards AndPayment today?

What is the Price to Earnings Ratio (PE Ratio) of SBI Cards AndPayment?

What is the Earnings per Share (EPS) of SBI Cards AndPayment?

What is the 52 Week High and 52 Week Low of SBI Cards AndPayment?

How Volatile is SBI Cards AndPayment share today?