SBI Cards & Payment Services Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 10:54 am

Market Cap	79,419 Cr.
Current Price	835
High / Low	872/648
Stock P/E	38.8
Book Value	138
Dividend Yield	0.30 %
ROCE	12.5 %
ROE	22.0 %
Face Value	10.0
PEG Ratio	2.51

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for SBI Cards & Payment Services Ltd

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 ⇩
My Money Securities Ltd	35.8 Cr.	21.3	69.2/0.00	3.44	18.5	0.00 %	12.0 %	11.3 %	10.0
Nam Securities Ltd	51.2 Cr.	95.0	198/94.4	183	21.2	0.00 %	4.16 %	3.05 %	10.0
ICDS Ltd	49.0 Cr.	41.0	76.2/32.5	55.7	22.2	0.00 %	9.12 %	7.69 %	10.0
HCKK Ventures Ltd	58.2 Cr.	157	157/77.4	277	11.6	0.00 %	8.17 %	6.44 %	10.0
Ujjivan Financial Services Ltd	7,179 Cr.	590	593/463	8.75	299	0.59 %	10.3 %	32.1 %	10.0
Industry Average	19,297.43 Cr	1,406.42		44.62	4,322.74	0.54%	11.00%	14.73%	7.89

All Competitor Stocks of SBI Cards & Payment Services Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	2,889	2,850	3,100	3,297	3,507	3,762	3,912	4,087	4,622	4,348	4,359	4,421	4,619
Interest	277	267	308	368	464	507	571	605	695	724	767	788	829
Expenses	2,307	1,930	2,074	2,341	2,467	2,565	2,631	2,760	3,258	2,811	2,867	3,173	3,372
Financing Profit	305	653	718	588	576	690	710	722	668	813	725	461	419
Financing Margin %	11%	23%	23%	18%	16%	18%	18%	18%	14%	19%	17%	10%	9%
Other Income	250	166	163	156	149	154	134	134	120	127	124	135	148
Depreciation	37	39	39	39	41	45	48	47	51	52	49	50	49
Profit before tax	519	779	841	706	684	800	797	809	738	888	799	545	518
Tax %	26%	25%	25%	26%	26%	25%	26%	26%	26%	25%	26%	26%	26%
Net Profit	386	581	627	526	509	596	593	603	549	662	594	404	383
EPS in Rs	4.09	6.16	6.65	5.57	5.39	6.30	6.27	6.37	5.78	6.97	6.25	4.25	4.03
Gross NPA %	2.40%	2.22%	2.24%	2.14%	2.22%	2.35%	2.41%	2.43%	2.64%	2.76%	3.06%	3.27%	3.24%
Net NPA %	0.83%	0.78%	0.79%	0.78%	0.80%	0.87%	0.89%	0.89%	0.96%	0.99%	1.11%	1.19%	1.18%

Last Updated: February 28, 2025, 5:18 pm

Below is a detailed analysis of the quarterly data for SBI Cards & Payment Services Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹829.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 788.00 Cr. (Sep 2024) to ₹829.00 Cr., marking an increase of ₹41.00 Cr..
For Expenses, as of Dec 2024, the value is ₹3,372.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,173.00 Cr. (Sep 2024) to ₹3,372.00 Cr., marking an increase of ₹199.00 Cr..
For Other Income, as of Dec 2024, the value is ₹148.00 Cr.. The value appears strong and on an upward trend. It has increased from 135.00 Cr. (Sep 2024) to ₹148.00 Cr., marking an increase of ₹13.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹49.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 50.00 Cr. (Sep 2024) to ₹49.00 Cr., marking a decrease of 1.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹518.00 Cr.. The value appears to be declining and may need further review. It has decreased from 545.00 Cr. (Sep 2024) to ₹518.00 Cr., marking a decrease of 27.00 Cr..
For Tax %, as of Dec 2024, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 26.00%.
For Net Profit, as of Dec 2024, the value is ₹383.00 Cr.. The value appears to be declining and may need further review. It has decreased from 404.00 Cr. (Sep 2024) to ₹383.00 Cr., marking a decrease of 21.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 4.03. The value appears to be declining and may need further review. It has decreased from ₹4.25 (Sep 2024) to 4.03, marking a decrease of ₹0.22.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 2:56 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	1,008	1,438	1,822	2,392	3,347	5,195	7,017	9,281	9,301	10,679	13,670	16,986	17,746
Interest	210	300	378	436	528	712	1,009	1,301	1,043	1,027	1,648	2,595	3,107
Expenses	713	918	1,255	1,617	2,366	3,715	4,887	6,618	7,223	7,953	9,444	11,460	12,222
Financing Profit	85	220	189	339	452	769	1,121	1,362	1,034	1,699	2,579	2,931	2,417
Financing Margin %	8%	15%	10%	14%	14%	15%	16%	15%	11%	16%	19%	17%	14%
Other Income	52	74	82	100	124	175	270	471	413	622	615	498	533
Depreciation	1	1	1	1	5	24	55	104	123	149	164	197	200
Profit before tax	136	293	271	438	572	919	1,335	1,730	1,324	2,172	3,031	3,232	2,750
Tax %	-1%	0%	1%	35%	35%	35%	35%	28%	26%	26%	25%	25%
Net Profit	136	293	267	284	373	601	865	1,245	985	1,616	2,258	2,408	2,044
EPS in Rs	1.74	3.73	3.40	3.62	4.75	7.66	10.33	13.26	10.47	17.14	23.87	25.32	21.50
Dividend Payout %	0%	0%	15%	28%	21%	0%	10%	8%	0%	15%	10%	10%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	115.44%	-8.87%	6.37%	31.34%	61.13%	43.93%	43.93%	-20.88%	64.06%	39.73%	6.64%
Change in YoY Net Profit Growth (%)	0.00%	-124.31%	15.24%	24.97%	29.79%	-17.20%	0.00%	-64.81%	84.94%	-24.33%	-33.08%

SBI Cards & Payment Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	28%
5 Years:	19%
3 Years:	22%
TTM:	8%

Compounded Profit Growth
10 Years:	23%
5 Years:	23%
3 Years:	35%
TTM:	-13%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	1%
1 Year:	20%

Return on Equity
10 Years:	24%
5 Years:	23%
3 Years:	23%
Last Year:	22%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 7:42 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	785	785	785	785	785	785	837	939	941	943	946	951	951
Reserves	-332	-39	181	370	664	1,568	2,751	4,402	5,362	6,810	8,884	11,133	12,138
Borrowings	2,803	3,498	4,699	5,928	8,268	11,413	13,549	17,573	17,895	22,982	31,110	39,891	43,218
Other Liabilities	231	491	593	797	1,048	1,920	3,009	2,393	2,816	3,913	4,606	6,196	5,565
Total Liabilities	3,488	4,735	6,257	7,880	10,765	15,686	20,146	25,307	27,013	34,648	45,546	58,171	61,872
Fixed Assets	1	1	2	2	24	242	196	311	308	439	551	542	524
CWIP	0	0	0	0	0	35	20	24	10	14	23	22	7
Investments	0	0	0	0	0	0	1	1	958	1,297	2,140	3,519	3,658
Other Assets	3,487	4,734	6,256	7,878	10,741	15,409	19,928	24,971	25,737	32,898	42,832	54,088	57,683
Total Assets	3,488	4,735	6,257	7,880	10,765	15,686	20,146	25,307	27,013	34,648	45,546	58,171	61,872

Below is a detailed analysis of the balance sheet data for SBI Cards & Payment Services Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹12,138.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹11,133.00 Cr. (Mar 2024) to ₹12,138.00 Cr., marking an increase of 1,005.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹43,218.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹39,891.00 Cr. (Mar 2024) to ₹43,218.00 Cr., marking an increase of 3,327.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹5,565.00 Cr.. The value appears to be improving (decreasing). It has decreased from ₹6,196.00 Cr. (Mar 2024) to ₹5,565.00 Cr., marking a decrease of 631.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹61,872.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹58,171.00 Cr. (Mar 2024) to ₹61,872.00 Cr., marking an increase of 3,701.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹524.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹542.00 Cr. (Mar 2024) to ₹524.00 Cr., marking a decrease of 18.00 Cr..
For CWIP, as of Sep 2024, the value is ₹7.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹22.00 Cr. (Mar 2024) to ₹7.00 Cr., marking a decrease of 15.00 Cr..
For Investments, as of Sep 2024, the value is ₹3,658.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹3,519.00 Cr. (Mar 2024) to ₹3,658.00 Cr., marking an increase of 139.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹57,683.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹54,088.00 Cr. (Mar 2024) to ₹57,683.00 Cr., marking an increase of 3,595.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹61,872.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹58,171.00 Cr. (Mar 2024) to ₹61,872.00 Cr., marking an increase of 3,701.00 Cr..

However, the Borrowings (43,218.00 Cr.) are higher than the Reserves (₹12,138.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

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
Cash from Operating Activity +	-398	-879	-1,158	-2,235	-2,891	-2,327	-4,063	692	-4,391	-6,671	-5,452
Cash from Investing Activity +	1	1	1	-1	128	-76	-77	-997	-538	-921	-1,457
Cash from Financing Activity +	475	1,008	1,141	2,244	2,953	2,824	3,923	432	5,045	7,824	8,401
Net Cash Flow	78	130	-17	9	190	422	-218	127	115	232	1,492

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	711.00	915.00	-3.00	-4.00	-6.00	-8.00	-9.00	-11.00	-10.00	-15.00	-22.00	-28.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %		49%	31%	27%	29%	32%	29%	28%	17%	23%	26%	22%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	69.59%	69.64%	69.41%	69.05%	69.02%	68.96%	68.94%	68.75%	68.63%	68.62%	68.61%	68.60%
FIIs	9.53%	8.29%	8.82%	9.13%	8.45%	9.48%	9.08%	9.35%	8.59%	8.72%	9.18%	9.52%
DIIs	12.41%	16.24%	16.99%	16.72%	17.47%	17.17%	17.28%	16.27%	16.68%	16.54%	16.76%	16.47%
Public	8.47%	5.83%	4.78%	5.11%	5.06%	4.37%	4.69%	5.62%	6.09%	6.11%	5.46%	5.41%
No. of Shareholders	11,61,090	11,78,353	10,63,054	10,57,260	10,41,168	9,67,531	9,61,296	10,28,673	10,36,632	10,19,117	9,48,916	9,37,270

Shareholding Pattern Chart

No. of Shareholders

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	6,195,311	2025-03-10	50.84%
Mirae Asset Large Cap Fund	6,195,311	1.24	470.63	6,195,311	2025-03-10	0%
ICICI Prudential ELSS Tax Saver Fund	5,317,761	3.26	403.96	6,195,311	2025-03-10	-14.16%
ICICI Prudential Value Discovery Fund	5,249,296	1.06	398.76	6,195,311	2025-03-10	-15.27%
Mirae Asset Large & Midcap Fund	5,121,294	1.2	389.04	6,195,311	2025-03-10	-17.34%
Mirae Asset ELSS Tax Saver Fund	4,389,660	1.63	333.46	6,195,311	2025-03-10	-29.15%
Nippon India Large Cap Fund	4,099,302	1.54	311.4	6,195,311	2025-03-10	-33.83%
ICICI Prudential Large & Mid Cap Fund	3,827,145	2.83	290.73	6,195,311	2025-03-10	-38.23%
Nippon India Focused Equity Fund	3,796,527	3.69	288.4	6,195,311	2025-03-10	-38.72%
Nippon India Multi Cap Fund	3,500,657	1.08	265.93	6,195,311	2025-03-10	-43.5%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	25.39	23.92	17.16	10.48	13.35
Diluted EPS (Rs.)	25.37	23.80	17.02	10.38	13.21
Cash EPS (Rs.)	27.39	25.60	18.71	11.78	14.36
Book Value[Excl.RevalReserv]/Share (Rs.)	127.07	103.90	82.20	67.00	56.88
Book Value[Incl.RevalReserv]/Share (Rs.)	127.07	103.90	82.20	67.00	56.88
Dividend / Share (Rs.)	2.50	2.50	2.50	1.00	1.00
Revenue From Operations / Share (Rs.)	178.43	144.46	113.21	98.64	98.79
PBDIT / Share (Rs.)	63.34	51.18	35.50	26.48	33.38
PBIT / Share (Rs.)	61.27	49.45	33.92	25.17	32.27
PBT / Share (Rs.)	33.98	32.03	23.03	14.07	18.42
Net Profit / Share (Rs.)	25.32	23.87	17.14	10.47	13.26
PBDIT Margin (%)	35.49	35.42	31.35	26.84	33.78
PBIT Margin (%)	34.34	34.23	29.96	25.51	32.66
PBT Margin (%)	19.04	22.17	20.34	14.26	18.64
Net Profit Margin (%)	14.19	16.52	15.13	10.61	13.41
Return on Networth / Equity (%)	19.92	22.97	20.84	15.62	23.30
Return on Capital Employeed (%)	26.84	24.22	35.68	16.08	22.49
Return On Assets (%)	4.13	4.95	4.66	3.64	4.91
Long Term Debt / Equity (X)	0.65	0.81	0.00	1.15	1.30
Total Debt / Equity (X)	3.30	3.16	2.96	2.87	3.25
Asset Turnover Ratio (%)	0.32	0.34	0.34	0.35	0.40
Current Ratio (X)	1.53	1.65	1.28	2.07	2.01
Quick Ratio (X)	1.53	1.65	1.28	2.07	2.01
Dividend Payout Ratio (NP) (%)	9.87	10.47	0.00	0.00	0.00
Dividend Payout Ratio (CP) (%)	9.12	9.76	0.00	0.00	0.00
Earning Retention Ratio (%)	90.13	89.53	0.00	0.00	0.00
Cash Earning Retention Ratio (%)	90.88	90.24	0.00	0.00	0.00
Interest Coverage Ratio (X)	2.32	2.94	3.26	2.39	2.41
Interest Coverage Ratio (Post Tax) (X)	1.93	2.37	2.57	1.94	1.96
Enterprise Value (Cr.)	102060.41	99721.75	102206.71	104758.10	74753.99
EV / Net Operating Revenue (X)	6.01	7.30	9.57	11.29	8.06
EV / EBITDA (X)	16.94	20.60	30.53	42.06	23.85
MarketCap / Net Operating Revenue (X)	3.82	5.12	7.52	9.42	6.26
Retention Ratios (%)	90.12	89.52	0.00	0.00	0.00
Price / BV (X)	5.37	7.12	10.36	13.87	10.87
Price / Net Operating Revenue (X)	3.82	5.12	7.52	9.42	6.26
EarningsYield	0.03	0.03	0.02	0.01	0.02

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 25.39. This value is within the healthy range. It has increased from 23.92 (Mar 23) to 25.39, marking an increase of 1.47.
For Diluted EPS (Rs.), as of Mar 24, the value is 25.37. This value is within the healthy range. It has increased from 23.80 (Mar 23) to 25.37, marking an increase of 1.57.
For Cash EPS (Rs.), as of Mar 24, the value is 27.39. This value is within the healthy range. It has increased from 25.60 (Mar 23) to 27.39, marking an increase of 1.79.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 127.07. It has increased from 103.90 (Mar 23) to 127.07, marking an increase of 23.17.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 127.07. It has increased from 103.90 (Mar 23) to 127.07, marking an increase of 23.17.
For Dividend / Share (Rs.), as of Mar 24, the value is 2.50. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.50.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 178.43. It has increased from 144.46 (Mar 23) to 178.43, marking an increase of 33.97.
For PBDIT / Share (Rs.), as of Mar 24, the value is 63.34. This value is within the healthy range. It has increased from 51.18 (Mar 23) to 63.34, marking an increase of 12.16.
For PBIT / Share (Rs.), as of Mar 24, the value is 61.27. This value is within the healthy range. It has increased from 49.45 (Mar 23) to 61.27, marking an increase of 11.82.
For PBT / Share (Rs.), as of Mar 24, the value is 33.98. This value is within the healthy range. It has increased from 32.03 (Mar 23) to 33.98, marking an increase of 1.95.
For Net Profit / Share (Rs.), as of Mar 24, the value is 25.32. This value is within the healthy range. It has increased from 23.87 (Mar 23) to 25.32, marking an increase of 1.45.
For PBDIT Margin (%), as of Mar 24, the value is 35.49. This value is within the healthy range. It has increased from 35.42 (Mar 23) to 35.49, marking an increase of 0.07.
For PBIT Margin (%), as of Mar 24, the value is 34.34. This value exceeds the healthy maximum of 20. It has increased from 34.23 (Mar 23) to 34.34, marking an increase of 0.11.
For PBT Margin (%), as of Mar 24, the value is 19.04. This value is within the healthy range. It has decreased from 22.17 (Mar 23) to 19.04, marking a decrease of 3.13.
For Net Profit Margin (%), as of Mar 24, the value is 14.19. This value exceeds the healthy maximum of 10. It has decreased from 16.52 (Mar 23) to 14.19, marking a decrease of 2.33.
For Return on Networth / Equity (%), as of Mar 24, the value is 19.92. This value is within the healthy range. It has decreased from 22.97 (Mar 23) to 19.92, marking a decrease of 3.05.
For Return on Capital Employeed (%), as of Mar 24, the value is 26.84. This value is within the healthy range. It has increased from 24.22 (Mar 23) to 26.84, marking an increase of 2.62.
For Return On Assets (%), as of Mar 24, the value is 4.13. This value is below the healthy minimum of 5. It has decreased from 4.95 (Mar 23) to 4.13, marking a decrease of 0.82.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.65. This value is within the healthy range. It has decreased from 0.81 (Mar 23) to 0.65, marking a decrease of 0.16.
For Total Debt / Equity (X), as of Mar 24, the value is 3.30. This value exceeds the healthy maximum of 1. It has increased from 3.16 (Mar 23) to 3.30, marking an increase of 0.14.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.32. It has decreased from 0.34 (Mar 23) to 0.32, marking a decrease of 0.02.
For Current Ratio (X), as of Mar 24, the value is 1.53. This value is within the healthy range. It has decreased from 1.65 (Mar 23) to 1.53, marking a decrease of 0.12.
For Quick Ratio (X), as of Mar 24, the value is 1.53. This value is within the healthy range. It has decreased from 1.65 (Mar 23) to 1.53, marking a decrease of 0.12.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 9.87. This value is below the healthy minimum of 20. It has decreased from 10.47 (Mar 23) to 9.87, marking a decrease of 0.60.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 9.12. This value is below the healthy minimum of 20. It has decreased from 9.76 (Mar 23) to 9.12, marking a decrease of 0.64.
For Earning Retention Ratio (%), as of Mar 24, the value is 90.13. This value exceeds the healthy maximum of 70. It has increased from 89.53 (Mar 23) to 90.13, marking an increase of 0.60.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 90.88. This value exceeds the healthy maximum of 70. It has increased from 90.24 (Mar 23) to 90.88, marking an increase of 0.64.
For Interest Coverage Ratio (X), as of Mar 24, the value is 2.32. This value is below the healthy minimum of 3. It has decreased from 2.94 (Mar 23) to 2.32, marking a decrease of 0.62.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.93. This value is below the healthy minimum of 3. It has decreased from 2.37 (Mar 23) to 1.93, marking a decrease of 0.44.
For Enterprise Value (Cr.), as of Mar 24, the value is 102,060.41. It has increased from 99,721.75 (Mar 23) to 102,060.41, marking an increase of 2,338.66.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 6.01. This value exceeds the healthy maximum of 3. It has decreased from 7.30 (Mar 23) to 6.01, marking a decrease of 1.29.
For EV / EBITDA (X), as of Mar 24, the value is 16.94. This value exceeds the healthy maximum of 15. It has decreased from 20.60 (Mar 23) to 16.94, marking a decrease of 3.66.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 3.82. This value exceeds the healthy maximum of 3. It has decreased from 5.12 (Mar 23) to 3.82, marking a decrease of 1.30.
For Retention Ratios (%), as of Mar 24, the value is 90.12. This value exceeds the healthy maximum of 70. It has increased from 89.52 (Mar 23) to 90.12, marking an increase of 0.60.
For Price / BV (X), as of Mar 24, the value is 5.37. This value exceeds the healthy maximum of 3. It has decreased from 7.12 (Mar 23) to 5.37, marking a decrease of 1.75.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 3.82. This value exceeds the healthy maximum of 3. It has decreased from 5.12 (Mar 23) to 3.82, marking a decrease of 1.30.
For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of SBI Cards & Payment Services Ltd as of March 12, 2025 is: ₹945.20

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, SBI Cards & Payment Services Ltd is Undervalued by 13.20% compared to the current share price 835.00

Intrinsic Value of SBI Cards & Payment Services Ltd as of March 12, 2025 is: 1,091.50

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, SBI Cards & Payment Services Ltd is Undervalued by 30.72% compared to the current share price 835.00

Last 5 Year EPS CAGR: 15.48%

*Investments are subject to market risks

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:
1. Net Profit Margin: 14.19%
  - 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.
2. ROCE: 26.84% (Industry Average ROCE: 11%)
  - 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.
3. ROE%: 19.92% (Industry Average ROE: 14.73%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.93
  - 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.
5. Quick Ratio: 1.53
  - 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.
6. Stock P/E: 38.8 (Industry average Stock P/E: 44.62)
  - 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.
7. Total Debt / Equity: 3.3
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

No data availabale for About the Company

INDUSTRY	ADDRESS	CONTACT
Industry not found	Address not found	Contact not found

Management Data not Available

FAQ

What is the latest intrinsic value of SBI Cards & Payment Services Ltd?

The latest intrinsic value of SBI Cards & Payment Services Ltd as on 10 March 2025 is ₹945.20, which is 13.20% higher than the current market price of 835.00, indicating the stock is undervalued by 13.20%. The intrinsic value of SBI Cards & Payment Services Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹79,419 Cr. and recorded a high/low of ₹872/648 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹12,138 Cr and total liabilities of ₹61,872 Cr.

What is the Market Cap of SBI Cards & Payment Services Ltd?

The Market Cap of SBI Cards & Payment Services Ltd is 79,419 Cr..

What is the current Stock Price of SBI Cards & Payment Services Ltd as on 10 March 2025?

The current stock price of SBI Cards & Payment Services Ltd as on 10 March 2025 is ₹835.

What is the High / Low of SBI Cards & Payment Services Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of SBI Cards & Payment Services Ltd stocks is ₹872/648.

What is the Stock P/E of SBI Cards & Payment Services Ltd?

The Stock P/E of SBI Cards & Payment Services Ltd is 38.8.

What is the Book Value of SBI Cards & Payment Services Ltd?

The Book Value of SBI Cards & Payment Services Ltd is 138.

What is the Dividend Yield of SBI Cards & Payment Services Ltd?

The Dividend Yield of SBI Cards & Payment Services Ltd is 0.30 %.

What is the ROCE of SBI Cards & Payment Services Ltd?

The ROCE of SBI Cards & Payment Services Ltd is 12.5 %.

What is the ROE of SBI Cards & Payment Services Ltd?

The ROE of SBI Cards & Payment Services Ltd is 22.0 %.

What is the Face Value of SBI Cards & Payment Services Ltd?

The Face Value of SBI Cards & Payment Services Ltd is 10.0.