Share Price and Basic Stock Data
Last Updated: November 4, 2025, 5:34 pm
| PEG Ratio | 15.31 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
SBI Cards & Payment Services Ltd, a key player in the finance and investments sector, reported a share price of ₹906 and a market capitalization of ₹86,186 Cr. In terms of revenue, the company demonstrated robust growth, with quarterly revenues rising from ₹3,100 Cr in June 2022 to ₹4,087 Cr in September 2023, culminating in a record ₹4,622 Cr in December 2023. This upward trajectory reflects a year-on-year increase, with total revenue for the year ending March 2023 standing at ₹13,670 Cr, up from ₹10,679 Cr in March 2022. The company is on track to achieve ₹16,986 Cr in March 2024 and ₹18,074 Cr in March 2025, indicating a strong demand for its credit card and payment services. Furthermore, SBI Cards has maintained a healthy financing margin, averaging around 18% in recent quarters, although it experienced a decline to 14% in December 2023. This performance places SBI Cards in a favorable position compared to other players in the sector, which often report financing margins below 15%.
Profitability and Efficiency Metrics
The profitability metrics of SBI Cards are noteworthy, with a net profit of ₹1,878 Cr reported for the year ending March 2025. This figure represents a decline from ₹2,258 Cr in March 2023, largely attributed to rising expenses which reached ₹12,731 Cr for the same period. The interest coverage ratio (ICR) stood at 1.86x, indicating that the company generates sufficient earnings to cover its interest obligations, although this is lower than the previous year’s ICR of 2.94x. Additionally, the return on equity (ROE) for March 2025 was reported at 14.8%, down from 26% in March 2023, reflecting pressures on profitability. SBI Cards reported a net profit margin of 10.60% for the year, which is relatively strong, although it has declined from 16.52% in the previous year. Such profitability metrics suggest that while SBI Cards remains a profitable entity, it faces challenges in maintaining margins amid increasing competition and operational costs.
Balance Sheet Strength and Financial Ratios
SBI Cards’ balance sheet demonstrates significant strength, with total assets amounting to ₹65,546 Cr as of March 2025, up from ₹45,546 Cr in March 2023. The company reported reserves of ₹12,830 Cr, reflecting a solid capital foundation for future growth. However, it also reported borrowings of ₹44,947 Cr, which contributes to a total debt-to-equity ratio of 3.26x, indicating a high level of leverage compared to typical sector norms. The price-to-book value ratio is at 6.09x, suggesting that the market values the company at a premium relative to its net assets. The current ratio stands at 1.27, indicating adequate liquidity to meet short-term obligations. Moreover, the enterprise value of ₹126,137.40 Cr highlights the market’s confidence in the company’s growth prospects, even as it navigates a challenging financial landscape. Overall, while the balance sheet is robust, the high leverage could pose risks if market conditions deteriorate.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBI Cards reflects a stable yet concentrated ownership structure, with promoters holding 68.59% of the equity as of March 2025. This level of promoter ownership is indicative of management’s strong alignment with shareholder interests. Foreign institutional investors (FIIs) have increased their stake to 10.23%, up from 9.88% in March 2025, suggesting growing confidence from international investors. Domestic institutional investors (DIIs) also hold a significant 17.50%, reflecting institutional support for the company’s growth trajectory. However, the public shareholding has decreased to 3.68%, which may raise concerns about liquidity in the stock. The number of shareholders has declined from 10,63,054 in September 2022 to 7,74,642 in March 2025, indicating potential consolidation among investors. This shareholder concentration, while providing stability, could also lead to volatility if large shareholders decide to divest.
Outlook, Risks, and Final Insight
SBI Cards is positioned well for future growth, driven by strong revenue trends and a solid market presence. However, several risks could impact its performance, including rising operational expenses which have outpaced revenue growth, and high leverage that may limit financial flexibility. Additionally, increased competition in the credit card segment could pressure margins further. The company must focus on enhancing operational efficiency and managing costs effectively to sustain profitability. Should the economic environment remain favorable, SBI Cards could leverage its market position to capture more growth opportunities. Conversely, if economic conditions worsen or competition intensifies, the company may face challenges in maintaining its current growth trajectory. Overall, while SBI Cards has a robust foundation, vigilance in managing risks will be crucial for sustaining its competitive edge.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of SBI Cards & Payment Services Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 528 Cr. | 1,374 | 2,400/1,151 | 62.4 | 267 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 82.5 Cr. | 49.1 | 69.2/19.2 | 15.8 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 44.0 Cr. | 81.6 | 170/68.6 | 183 | 21.0 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 61.2 Cr. | 47.0 | 76.2/37.0 | 29.1 | 22.2 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.8 Cr. | 31.7 | 165/29.0 | 42.0 | 11.8 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,894.62 Cr | 1,566.07 | 41.31 | 3,629.30 | 0.37% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,100 | 3,297 | 3,507 | 3,762 | 3,912 | 4,087 | 4,622 | 4,348 | 4,359 | 4,421 | 4,619 | 4,674 | 4,877 |
| Interest | 308 | 368 | 464 | 507 | 571 | 605 | 695 | 724 | 767 | 788 | 829 | 795 | 813 |
| Expenses | 2,074 | 2,341 | 2,467 | 2,565 | 2,631 | 2,760 | 3,258 | 2,811 | 2,867 | 3,173 | 3,372 | 3,320 | 3,439 |
| Financing Profit | 718 | 588 | 576 | 690 | 710 | 722 | 668 | 813 | 725 | 461 | 419 | 559 | 625 |
| Financing Margin % | 23% | 18% | 16% | 18% | 18% | 18% | 14% | 19% | 17% | 10% | 9% | 12% | 13% |
| Other Income | 163 | 156 | 149 | 154 | 134 | 134 | 120 | 127 | 124 | 135 | 148 | 158 | 158 |
| Depreciation | 39 | 39 | 41 | 45 | 48 | 47 | 51 | 52 | 49 | 50 | 49 | -2 | 35 |
| Profit before tax | 841 | 706 | 684 | 800 | 797 | 809 | 738 | 888 | 799 | 545 | 518 | 719 | 748 |
| Tax % | 25% | 26% | 26% | 25% | 26% | 26% | 26% | 25% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 627 | 526 | 509 | 596 | 593 | 603 | 549 | 662 | 594 | 404 | 383 | 534 | 556 |
| EPS in Rs | 6.65 | 5.57 | 5.39 | 6.30 | 6.27 | 6.37 | 5.78 | 6.97 | 6.25 | 4.25 | 4.03 | 5.61 | 5.84 |
| Gross NPA % | 2.24% | 2.14% | 2.22% | 2.35% | 2.41% | 2.43% | 2.64% | 2.76% | 3.06% | 3.27% | 3.24% | 3.08% | 3.07% |
| Net NPA % | 0.79% | 0.78% | 0.80% | 0.87% | 0.89% | 0.89% | 0.96% | 0.99% | 1.11% | 1.19% | 1.18% | 1.46% | 1.42% |
Last Updated: August 20, 2025, 4:00 am
Below is a detailed analysis of the quarterly data for SBI Cards & Payment Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 813.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 795.00 Cr. (Mar 2025) to 813.00 Cr., marking an increase of 18.00 Cr..
- For Expenses, as of Jun 2025, the value is 3,439.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,320.00 Cr. (Mar 2025) to 3,439.00 Cr., marking an increase of 119.00 Cr..
- For Other Income, as of Jun 2025, the value is 158.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 158.00 Cr..
- For Depreciation, as of Jun 2025, the value is 35.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from -2.00 Cr. (Mar 2025) to 35.00 Cr., marking an increase of 37.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 748.00 Cr.. The value appears strong and on an upward trend. It has increased from 719.00 Cr. (Mar 2025) to 748.00 Cr., marking an increase of 29.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 26.00%.
- For Net Profit, as of Jun 2025, the value is 556.00 Cr.. The value appears strong and on an upward trend. It has increased from 534.00 Cr. (Mar 2025) to 556.00 Cr., marking an increase of 22.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 5.84. The value appears strong and on an upward trend. It has increased from 5.61 (Mar 2025) to 5.84, marking an increase of 0.23.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:30 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,438 | 1,822 | 2,392 | 3,347 | 5,195 | 7,017 | 9,281 | 9,301 | 10,679 | 13,670 | 16,986 | 18,074 | 18,591 |
| Interest | 300 | 378 | 436 | 528 | 712 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 | 3,224 |
| Expenses | 918 | 1,255 | 1,617 | 2,366 | 3,715 | 4,887 | 6,618 | 7,223 | 7,953 | 9,444 | 11,460 | 12,731 | 13,303 |
| Financing Profit | 220 | 189 | 339 | 452 | 769 | 1,121 | 1,362 | 1,034 | 1,699 | 2,579 | 2,931 | 2,164 | 2,063 |
| Financing Margin % | 15% | 10% | 14% | 14% | 15% | 16% | 15% | 11% | 16% | 19% | 17% | 12% | 11% |
| Other Income | 74 | 82 | 100 | 124 | 175 | 270 | 471 | 413 | 622 | 615 | 498 | 563 | 599 |
| Depreciation | 1 | 1 | 1 | 5 | 24 | 55 | 104 | 123 | 149 | 164 | 197 | 147 | 132 |
| Profit before tax | 293 | 271 | 438 | 572 | 919 | 1,335 | 1,730 | 1,324 | 2,172 | 3,031 | 3,232 | 2,581 | 2,530 |
| Tax % | 0% | 1% | 35% | 35% | 35% | 35% | 28% | 26% | 26% | 25% | 25% | 26% | |
| Net Profit | 293 | 267 | 284 | 373 | 601 | 865 | 1,245 | 985 | 1,616 | 2,258 | 2,408 | 1,916 | 1,878 |
| EPS in Rs | 3.73 | 3.40 | 3.62 | 4.75 | 7.66 | 10.33 | 13.26 | 10.47 | 17.14 | 23.87 | 25.32 | 20.14 | 19.73 |
| Dividend Payout % | 0% | 15% | 28% | 21% | 0% | 10% | 8% | 0% | 15% | 10% | 10% | 12% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -8.87% | 6.37% | 31.34% | 61.13% | 43.93% | 43.93% | -20.88% | 64.06% | 39.73% | 6.64% | -20.43% |
| Change in YoY Net Profit Growth (%) | 0.00% | 15.24% | 24.97% | 29.79% | -17.20% | 0.00% | -64.81% | 84.94% | -24.33% | -33.08% | -27.07% |
SBI Cards & Payment Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 14% |
| 3 Years: | 19% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 9% |
| 3 Years: | 6% |
| TTM: | -22% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | -1% |
| 3 Years: | -6% |
| 1 Year: | 3% |
| Return on Equity | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 20% |
| 3 Years: | 20% |
| Last Year: | 15% |
Last Updated: September 5, 2025, 1:26 pm
Balance Sheet
Last Updated: August 11, 2025, 2:44 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 785 | 785 | 785 | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 | 951 |
| Reserves | -39 | 181 | 370 | 664 | 1,568 | 2,751 | 4,402 | 5,362 | 6,810 | 8,884 | 11,133 | 12,830 |
| Borrowing | 3,498 | 4,699 | 5,928 | 8,268 | 11,413 | 13,549 | 17,573 | 17,895 | 22,982 | 31,110 | 39,891 | 44,947 |
| Other Liabilities | 491 | 593 | 797 | 1,048 | 1,920 | 3,009 | 2,393 | 2,816 | 3,913 | 4,606 | 6,196 | 6,817 |
| Total Liabilities | 4,735 | 6,257 | 7,880 | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 |
| Fixed Assets | 1 | 2 | 2 | 24 | 242 | 196 | 311 | 308 | 439 | 551 | 542 | 320 |
| CWIP | 0 | 0 | 0 | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 | 10 |
| Investments | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 958 | 1,297 | 2,140 | 3,519 | 6,235 |
| Other Assets | 4,734 | 6,256 | 7,878 | 10,741 | 15,409 | 19,928 | 24,971 | 25,737 | 32,898 | 42,832 | 54,088 | 58,980 |
| Total Assets | 4,735 | 6,257 | 7,880 | 10,765 | 15,686 | 20,146 | 25,307 | 27,013 | 34,648 | 45,546 | 58,171 | 65,546 |
Below is a detailed analysis of the balance sheet data for SBI Cards & Payment Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 951.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 951.00 Cr..
- For Reserves, as of Mar 2025, the value is 12,830.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,133.00 Cr. (Mar 2024) to 12,830.00 Cr., marking an increase of 1,697.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 6,817.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,196.00 Cr. (Mar 2024) to 6,817.00 Cr., marking an increase of 621.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 65,546.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 58,171.00 Cr. (Mar 2024) to 65,546.00 Cr., marking an increase of 7,375.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 320.00 Cr.. The value appears to be declining and may need further review. It has decreased from 542.00 Cr. (Mar 2024) to 320.00 Cr., marking a decrease of 222.00 Cr..
- For CWIP, as of Mar 2025, the value is 10.00 Cr.. The value appears to be declining and may need further review. It has decreased from 22.00 Cr. (Mar 2024) to 10.00 Cr., marking a decrease of 12.00 Cr..
- For Investments, as of Mar 2025, the value is 6,235.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,519.00 Cr. (Mar 2024) to 6,235.00 Cr., marking an increase of 2,716.00 Cr..
- For Other Assets, as of Mar 2025, the value is 58,980.00 Cr.. The value appears strong and on an upward trend. It has increased from 54,088.00 Cr. (Mar 2024) to 58,980.00 Cr., marking an increase of 4,892.00 Cr..
- For Total Assets, as of Mar 2025, the value is 65,546.00 Cr.. The value appears strong and on an upward trend. It has increased from 58,171.00 Cr. (Mar 2024) to 65,546.00 Cr., marking an increase of 7,375.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 915.00 | -3.00 | -4.00 | -6.00 | -8.00 | -9.00 | -11.00 | -10.00 | -15.00 | -22.00 | -28.00 | -32.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 49% | 31% | 27% | 29% | 32% | 29% | 28% | 17% | 23% | 26% | 22% | 15% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| ICICI Prudential Multi Asset Fund | 9,344,891 | 2.32 | 709.88 | 9,344,891 | 2025-04-22 17:25:21 | 0% |
| Mirae Asset Large Cap Fund | 6,195,311 | 1.24 | 470.63 | 6,195,311 | 2025-04-22 17:25:21 | 0% |
| ICICI Prudential ELSS Tax Saver Fund | 5,317,761 | 3.26 | 403.96 | 5,317,761 | 2025-04-22 17:25:21 | 0% |
| ICICI Prudential Value Discovery Fund | 5,249,296 | 1.06 | 398.76 | 5,249,296 | 2025-04-22 17:25:21 | 0% |
| Mirae Asset Large & Midcap Fund | 5,121,294 | 1.2 | 389.04 | 5,121,294 | 2025-04-22 17:25:21 | 0% |
| Mirae Asset ELSS Tax Saver Fund | 4,389,660 | 1.63 | 333.46 | 4,389,660 | 2025-04-22 17:25:21 | 0% |
| Nippon India Large Cap Fund | 4,099,302 | 1.54 | 311.4 | 4,099,302 | 2025-04-22 13:03:41 | 0% |
| ICICI Prudential Large & Mid Cap Fund | 3,827,145 | 2.83 | 290.73 | 3,827,145 | 2025-04-22 17:25:21 | 0% |
| Nippon India Focused Equity Fund | 3,796,527 | 3.69 | 288.4 | 3,796,527 | 2025-04-22 17:25:21 | 0% |
| Nippon India Multi Cap Fund | 3,500,657 | 1.08 | 265.93 | 3,500,657 | 2025-04-22 17:25:21 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 20.15 | 25.39 | 23.92 | 17.16 | 10.48 |
| Diluted EPS (Rs.) | 20.14 | 25.37 | 23.80 | 17.02 | 10.38 |
| Cash EPS (Rs.) | 21.69 | 27.39 | 25.60 | 18.71 | 11.78 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 144.86 | 127.07 | 103.90 | 82.20 | 67.00 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 144.86 | 127.07 | 103.90 | 82.20 | 67.00 |
| Dividend / Share (Rs.) | 2.50 | 2.50 | 2.50 | 2.50 | 1.00 |
| Revenue From Operations / Share (Rs.) | 189.96 | 178.43 | 144.46 | 113.21 | 98.64 |
| PBDIT / Share (Rs.) | 62.08 | 63.34 | 51.18 | 35.50 | 26.48 |
| PBIT / Share (Rs.) | 60.53 | 61.27 | 49.45 | 33.92 | 25.17 |
| PBT / Share (Rs.) | 27.13 | 33.98 | 32.03 | 23.03 | 14.07 |
| Net Profit / Share (Rs.) | 20.14 | 25.32 | 23.87 | 17.14 | 10.47 |
| PBDIT Margin (%) | 32.67 | 35.49 | 35.42 | 31.35 | 26.84 |
| PBIT Margin (%) | 31.86 | 34.34 | 34.23 | 29.96 | 25.51 |
| PBT Margin (%) | 14.27 | 19.04 | 22.17 | 20.34 | 14.26 |
| Net Profit Margin (%) | 10.60 | 14.19 | 16.52 | 15.13 | 10.61 |
| Return on Networth / Equity (%) | 13.90 | 19.92 | 22.97 | 20.84 | 15.62 |
| Return on Capital Employeed (%) | 36.85 | 26.84 | 24.22 | 35.68 | 16.08 |
| Return On Assets (%) | 2.92 | 4.13 | 4.95 | 4.66 | 3.64 |
| Long Term Debt / Equity (X) | 0.00 | 0.65 | 0.81 | 0.00 | 1.15 |
| Total Debt / Equity (X) | 3.26 | 3.30 | 3.16 | 2.96 | 2.87 |
| Asset Turnover Ratio (%) | 0.29 | 0.32 | 0.34 | 0.34 | 0.35 |
| Current Ratio (X) | 1.27 | 1.53 | 1.65 | 1.28 | 2.07 |
| Quick Ratio (X) | 1.27 | 1.53 | 1.65 | 1.28 | 2.07 |
| Dividend Payout Ratio (NP) (%) | 12.40 | 9.87 | 10.47 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 11.52 | 9.12 | 9.76 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 87.60 | 90.13 | 89.53 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 88.48 | 90.88 | 90.24 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 1.86 | 2.32 | 2.94 | 3.26 | 2.39 |
| Interest Coverage Ratio (Post Tax) (X) | 1.60 | 1.93 | 2.37 | 2.57 | 1.94 |
| Enterprise Value (Cr.) | 126137.40 | 102060.41 | 99721.75 | 102206.71 | 104758.10 |
| EV / Net Operating Revenue (X) | 6.98 | 6.01 | 7.30 | 9.57 | 11.29 |
| EV / EBITDA (X) | 21.36 | 16.94 | 20.60 | 30.53 | 42.06 |
| MarketCap / Net Operating Revenue (X) | 4.64 | 3.82 | 5.12 | 7.52 | 9.42 |
| Retention Ratios (%) | 87.59 | 90.12 | 89.52 | 0.00 | 0.00 |
| Price / BV (X) | 6.09 | 5.37 | 7.12 | 10.36 | 13.87 |
| Price / Net Operating Revenue (X) | 4.64 | 3.82 | 5.12 | 7.52 | 9.42 |
| EarningsYield | 0.02 | 0.03 | 0.03 | 0.02 | 0.01 |
After reviewing the key financial ratios for SBI Cards & Payment Services Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 20.15. This value is within the healthy range. It has decreased from 25.39 (Mar 24) to 20.15, marking a decrease of 5.24.
- For Diluted EPS (Rs.), as of Mar 25, the value is 20.14. This value is within the healthy range. It has decreased from 25.37 (Mar 24) to 20.14, marking a decrease of 5.23.
- For Cash EPS (Rs.), as of Mar 25, the value is 21.69. This value is within the healthy range. It has decreased from 27.39 (Mar 24) to 21.69, marking a decrease of 5.70.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 144.86. It has increased from 127.07 (Mar 24) to 144.86, marking an increase of 17.79.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 144.86. It has increased from 127.07 (Mar 24) to 144.86, marking an increase of 17.79.
- For Dividend / Share (Rs.), as of Mar 25, the value is 2.50. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.50.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 189.96. It has increased from 178.43 (Mar 24) to 189.96, marking an increase of 11.53.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 62.08. This value is within the healthy range. It has decreased from 63.34 (Mar 24) to 62.08, marking a decrease of 1.26.
- For PBIT / Share (Rs.), as of Mar 25, the value is 60.53. This value is within the healthy range. It has decreased from 61.27 (Mar 24) to 60.53, marking a decrease of 0.74.
- For PBT / Share (Rs.), as of Mar 25, the value is 27.13. This value is within the healthy range. It has decreased from 33.98 (Mar 24) to 27.13, marking a decrease of 6.85.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 20.14. This value is within the healthy range. It has decreased from 25.32 (Mar 24) to 20.14, marking a decrease of 5.18.
- For PBDIT Margin (%), as of Mar 25, the value is 32.67. This value is within the healthy range. It has decreased from 35.49 (Mar 24) to 32.67, marking a decrease of 2.82.
- For PBIT Margin (%), as of Mar 25, the value is 31.86. This value exceeds the healthy maximum of 20. It has decreased from 34.34 (Mar 24) to 31.86, marking a decrease of 2.48.
- For PBT Margin (%), as of Mar 25, the value is 14.27. This value is within the healthy range. It has decreased from 19.04 (Mar 24) to 14.27, marking a decrease of 4.77.
- For Net Profit Margin (%), as of Mar 25, the value is 10.60. This value exceeds the healthy maximum of 10. It has decreased from 14.19 (Mar 24) to 10.60, marking a decrease of 3.59.
- For Return on Networth / Equity (%), as of Mar 25, the value is 13.90. This value is below the healthy minimum of 15. It has decreased from 19.92 (Mar 24) to 13.90, marking a decrease of 6.02.
- For Return on Capital Employeed (%), as of Mar 25, the value is 36.85. This value is within the healthy range. It has increased from 26.84 (Mar 24) to 36.85, marking an increase of 10.01.
- For Return On Assets (%), as of Mar 25, the value is 2.92. This value is below the healthy minimum of 5. It has decreased from 4.13 (Mar 24) to 2.92, marking a decrease of 1.21.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.65 (Mar 24) to 0.00, marking a decrease of 0.65.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.26. This value exceeds the healthy maximum of 1. It has decreased from 3.30 (Mar 24) to 3.26, marking a decrease of 0.04.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.29. It has decreased from 0.32 (Mar 24) to 0.29, marking a decrease of 0.03.
- For Current Ratio (X), as of Mar 25, the value is 1.27. This value is below the healthy minimum of 1.5. It has decreased from 1.53 (Mar 24) to 1.27, marking a decrease of 0.26.
- For Quick Ratio (X), as of Mar 25, the value is 1.27. This value is within the healthy range. It has decreased from 1.53 (Mar 24) to 1.27, marking a decrease of 0.26.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 12.40. This value is below the healthy minimum of 20. It has increased from 9.87 (Mar 24) to 12.40, marking an increase of 2.53.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 11.52. This value is below the healthy minimum of 20. It has increased from 9.12 (Mar 24) to 11.52, marking an increase of 2.40.
- For Earning Retention Ratio (%), as of Mar 25, the value is 87.60. This value exceeds the healthy maximum of 70. It has decreased from 90.13 (Mar 24) to 87.60, marking a decrease of 2.53.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 88.48. This value exceeds the healthy maximum of 70. It has decreased from 90.88 (Mar 24) to 88.48, marking a decrease of 2.40.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.86. This value is below the healthy minimum of 3. It has decreased from 2.32 (Mar 24) to 1.86, marking a decrease of 0.46.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.60. This value is below the healthy minimum of 3. It has decreased from 1.93 (Mar 24) to 1.60, marking a decrease of 0.33.
- For Enterprise Value (Cr.), as of Mar 25, the value is 126,137.40. It has increased from 102,060.41 (Mar 24) to 126,137.40, marking an increase of 24,076.99.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.98. This value exceeds the healthy maximum of 3. It has increased from 6.01 (Mar 24) to 6.98, marking an increase of 0.97.
- For EV / EBITDA (X), as of Mar 25, the value is 21.36. This value exceeds the healthy maximum of 15. It has increased from 16.94 (Mar 24) to 21.36, marking an increase of 4.42.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 4.64. This value exceeds the healthy maximum of 3. It has increased from 3.82 (Mar 24) to 4.64, marking an increase of 0.82.
- For Retention Ratios (%), as of Mar 25, the value is 87.59. This value exceeds the healthy maximum of 70. It has decreased from 90.12 (Mar 24) to 87.59, marking a decrease of 2.53.
- For Price / BV (X), as of Mar 25, the value is 6.09. This value exceeds the healthy maximum of 3. It has increased from 5.37 (Mar 24) to 6.09, marking an increase of 0.72.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 4.64. This value exceeds the healthy maximum of 3. It has increased from 3.82 (Mar 24) to 4.64, marking an increase of 0.82.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.03 (Mar 24) to 0.02, marking a decrease of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in SBI Cards & Payment Services Ltd:
- Net Profit Margin: 10.6%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 36.85% (Industry Average ROCE: 11.38%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 13.9% (Industry Average ROE: 25.55%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.6
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.27
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 43.7 (Industry average Stock P/E: 37.55)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.26
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 10.6%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower E-1,2,3, New Delhi Delhi 110034 | investor.relations@sbicard.com https://www.sbicard.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Challa Sreenivasulu Setty | Chairman |
| Ms. Salila Pande | Managing Director & CEO |
| Mr. Rajendra Kumar Saraf | Independent Director |
| Mr. Dinesh Kumar Mehrotra | Independent Director |
| Ms. Anuradha Shripad Nadkarni | Independent Director |
| Mr. Shriniwas Yeshwant Joshi | Independent Director |
| Mr. Shamsher Singh | Independent Director |
| Mr. Ashwini Kumar Tewari | Nominee Director |
FAQ
What is the intrinsic value of SBI Cards & Payment Services Ltd?
SBI Cards & Payment Services Ltd's intrinsic value (as of 05 November 2025) is 804.23 which is 8.71% lower the current market price of 881.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 83,860 Cr. market cap, FY2025-2026 high/low of 1,027/663, reserves of ₹12,830 Cr, and liabilities of 65,546 Cr.
What is the Market Cap of SBI Cards & Payment Services Ltd?
The Market Cap of SBI Cards & Payment Services Ltd is 83,860 Cr..
What is the current Stock Price of SBI Cards & Payment Services Ltd as on 05 November 2025?
The current stock price of SBI Cards & Payment Services Ltd as on 05 November 2025 is 881.
What is the High / Low of SBI Cards & Payment Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of SBI Cards & Payment Services Ltd stocks is 1,027/663.
What is the Stock P/E of SBI Cards & Payment Services Ltd?
The Stock P/E of SBI Cards & Payment Services Ltd is 43.7.
What is the Book Value of SBI Cards & Payment Services Ltd?
The Book Value of SBI Cards & Payment Services Ltd is 155.
What is the Dividend Yield of SBI Cards & Payment Services Ltd?
The Dividend Yield of SBI Cards & Payment Services Ltd is 0.28 %.
What is the ROCE of SBI Cards & Payment Services Ltd?
The ROCE of SBI Cards & Payment Services Ltd is 10.4 %.
What is the ROE of SBI Cards & Payment Services Ltd?
The ROE of SBI Cards & Payment Services Ltd is 14.8 %.
What is the Face Value of SBI Cards & Payment Services Ltd?
The Face Value of SBI Cards & Payment Services Ltd is 10.0.