Share Price and Basic Stock Data
Last Updated: December 13, 2025, 8:52 am
| PEG Ratio | 13.20 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
SBI Cards & Payment Services Ltd has established itself as a formidable player in the Indian financial services sector. As of the latest figures, the company reported a revenue of ₹13,670 Cr for FY 2023, a significant increase from ₹10,679 Cr in FY 2022. This upward momentum continued into FY 2024, with revenue projected to rise to ₹16,986 Cr. Recent quarterly reports show a consistent upward trajectory, with revenue standing at ₹4,087 Cr in September 2023, marking an impressive increase from ₹3,912 Cr in June 2023. Such growth is indicative of the company’s robust business model and effective customer acquisition strategies, including partnerships and rewards programs that resonate well with consumers. However, the competitive landscape, particularly from digital payment platforms, poses an ongoing challenge, requiring SBI Cards to continually innovate and adapt.
Profitability and Efficiency Metrics
The profitability metrics for SBI Cards reveal a mixed yet generally positive picture. The net profit for FY 2023 was recorded at ₹2,258 Cr, a considerable jump from ₹1,616 Cr in FY 2022. However, the profit margin has seen some fluctuations, with the net profit margin declining to 10.60% in FY 2025 from 14.19% in FY 2024. This decline coincides with rising expenses, which reached ₹9,444 Cr in FY 2023 and are expected to escalate further. While the company maintains a return on equity (ROE) of 14.8%, which is commendable, it has decreased from a high of 26% in FY 2023. The financing margin also appears under pressure, declining to 12% in FY 2025 from 19% in FY 2024. These trends suggest that while the company is growing, it faces challenges in maintaining profitability amidst increasing costs and competitive pricing pressures.
Balance Sheet Strength and Financial Ratios
SBI Cards’ balance sheet reflects a solid foundation, with a market capitalization of ₹84,226 Cr and total reserves amounting to ₹13,838 Cr. The debt situation is noteworthy, as the company has no recorded borrowings, which enhances its financial flexibility. The interest coverage ratio stands at 1.86x, indicating that the company can comfortably meet its interest obligations. However, the price-to-book value ratio of 6.09x suggests that the stock might be trading at a premium relative to its book value, which could raise concerns for value-oriented investors. Furthermore, the gross non-performing asset (NPA) ratio has shown a slight increase, reaching 3.07% in June 2025, which may indicate potential credit risk as the economic environment evolves. Maintaining a vigilant approach towards asset quality will be critical for sustaining investor confidence.
Shareholding Pattern and Investor Confidence
The shareholding structure of SBI Cards indicates a strong promoter backing, with promoters holding 68.59% of the company as of June 2025. This substantial ownership can instill confidence among retail investors, suggesting a long-term commitment to the company’s growth. Institutional investors also play a significant role, with Foreign Institutional Investors (FIIs) holding 10.10% and Domestic Institutional Investors (DIIs) at 17.76%. The public holding is relatively low at 3.56%, reflecting a concentrated ownership structure that may lead to volatility in share price movements. The number of shareholders has decreased to 7,50,786, which could suggest a consolidation phase or a reflection of market sentiment. Overall, the current shareholding pattern appears to bolster investor confidence, but the low public participation may raise concerns about liquidity.
Outlook, Risks, and Final Insight
Looking ahead, SBI Cards faces a mixed bag of opportunities and challenges. On one hand, the growing digital payments landscape presents significant growth potential, particularly as more consumers turn to credit for their purchasing needs. However, the rising expenses and pressure on profit margins could hinder the company’s ability to capitalize fully on these opportunities. Moreover, increasing competition from fintech players and evolving consumer preferences necessitate ongoing innovation. The company’s ability to manage its asset quality will be crucial, especially as economic conditions fluctuate. Investors should consider these dynamics carefully, weighing the company’s solid fundamentals against potential headwinds. In a rapidly changing financial environment, being vigilant about these factors will be essential for making informed investment decisions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 399 Cr. | 1,039 | 2,300/1,000 | 51.7 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 64.4 Cr. | 38.3 | 57.8/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 51.7 Cr. | 96.0 | 161/68.6 | 216 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 58.6 Cr. | 45.0 | 76.2/37.0 | 51.9 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.2 Cr. | 30.0 | 165/26.5 | 69.6 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,961.85 Cr | 1,504.08 | 48.64 | 3,630.28 | 0.38% | 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: December 15, 2025, 4:41 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 | 19,131 |
| Interest | 300 | 378 | 436 | 528 | 712 | 1,009 | 1,301 | 1,043 | 1,027 | 1,648 | 2,595 | 3,178 | 3,197 |
| Expenses | 918 | 1,255 | 1,617 | 2,366 | 3,715 | 4,887 | 6,618 | 7,223 | 7,953 | 9,444 | 11,460 | 12,731 | 13,872 |
| Financing Profit | 220 | 189 | 339 | 452 | 769 | 1,121 | 1,362 | 1,034 | 1,699 | 2,579 | 2,931 | 2,164 | 2,062 |
| 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 | 640 |
| Depreciation | 1 | 1 | 1 | 5 | 24 | 55 | 104 | 123 | 149 | 164 | 197 | 147 | 117 |
| Profit before tax | 293 | 271 | 438 | 572 | 919 | 1,335 | 1,730 | 1,324 | 2,172 | 3,031 | 3,232 | 2,581 | 2,584 |
| 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 | 1,918 |
| 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 | 20.15 |
| 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: December 4, 2025, 1:56 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 785 | 785 | 785 | 785 | 785 | 837 | 939 | 941 | 943 | 946 | 951 | 951 | 952 |
| Reserves | -39 | 181 | 370 | 664 | 1,568 | 2,751 | 4,402 | 5,362 | 6,810 | 8,884 | 11,133 | 12,830 | 13,838 |
| 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 | 49,225 |
| Other Liabilities | 491 | 593 | 797 | 1,048 | 1,920 | 3,009 | 2,393 | 2,816 | 3,913 | 4,606 | 6,196 | 6,817 | 5,848 |
| 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 | 69,862 |
| Fixed Assets | 1 | 2 | 2 | 24 | 242 | 196 | 311 | 308 | 439 | 551 | 542 | 320 | 277 |
| CWIP | 0 | 0 | 0 | 0 | 35 | 20 | 24 | 10 | 14 | 23 | 22 | 10 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 958 | 1,297 | 2,140 | 3,519 | 6,235 | 5,906 |
| 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 | 63,679 |
| 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 | 69,862 |
Below is a detailed analysis of the balance sheet data for SBI Cards & Payment Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 952.00 Cr.. The value appears strong and on an upward trend. It has increased from 951.00 Cr. (Mar 2025) to 952.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 13,838.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,830.00 Cr. (Mar 2025) to 13,838.00 Cr., marking an increase of 1,008.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 5,848.00 Cr.. The value appears to be improving (decreasing). It has decreased from 6,817.00 Cr. (Mar 2025) to 5,848.00 Cr., marking a decrease of 969.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 69,862.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 65,546.00 Cr. (Mar 2025) to 69,862.00 Cr., marking an increase of 4,316.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 277.00 Cr.. The value appears to be declining and may need further review. It has decreased from 320.00 Cr. (Mar 2025) to 277.00 Cr., marking a decrease of 43.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 10.00 Cr..
- For Investments, as of Sep 2025, the value is 5,906.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,235.00 Cr. (Mar 2025) to 5,906.00 Cr., marking a decrease of 329.00 Cr..
- For Other Assets, as of Sep 2025, the value is 63,679.00 Cr.. The value appears strong and on an upward trend. It has increased from 58,980.00 Cr. (Mar 2025) to 63,679.00 Cr., marking an increase of 4,699.00 Cr..
- For Total Assets, as of Sep 2025, the value is 69,862.00 Cr.. The value appears strong and on an upward trend. It has increased from 65,546.00 Cr. (Mar 2025) to 69,862.00 Cr., marking an increase of 4,316.00 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
| 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
| 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 | 17,583,581 | 2.06 | 1547.62 | 15,329,366 | 2025-12-14 15:30:56 | 14.71% |
| ICICI Prudential Large & Mid Cap Fund | 13,489,921 | 4.41 | 1187.32 | 10,783,156 | 2025-12-14 02:28:49 | 25.1% |
| Nippon India Multi Cap Fund | 8,252,665 | 1.45 | 726.36 | 3,500,657 | 2025-12-08 00:13:18 | 135.75% |
| Nippon India Large Cap Fund | 4,639,814 | 0.81 | 408.37 | 4,099,302 | 2025-12-08 00:13:18 | 13.19% |
| Nippon India Focused Fund | 4,102,111 | 4.06 | 361.05 | N/A | N/A | N/A |
| Nippon India Banking & Financial Services Fund | 3,637,124 | 4.11 | 320.12 | 3,362,545 | 2025-12-14 21:02:18 | 8.17% |
| Tata Large & Mid Cap Fund | 3,551,635 | 3.57 | 312.6 | N/A | N/A | N/A |
| ICICI Prudential ELSS Tax Saver Fund | 2,811,025 | 1.65 | 247.41 | 5,317,761 | 2025-12-08 00:13:18 | -47.14% |
| SBI Banking & Financial Services Fund | 2,133,685 | 1.91 | 187.8 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 1,877,975 | 0.15 | 165.29 | N/A | N/A | N/A |
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
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: 43.4 (Industry average Stock P/E: 48.64)
- 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 15 December 2025) is 798.79 which is 8.71% lower the current market price of 875.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 83,222 Cr. market cap, FY2025-2026 high/low of 1,027/663, reserves of ₹13,838 Cr, and liabilities of 69,862 Cr.
What is the Market Cap of SBI Cards & Payment Services Ltd?
The Market Cap of SBI Cards & Payment Services Ltd is 83,222 Cr..
What is the current Stock Price of SBI Cards & Payment Services Ltd as on 15 December 2025?
The current stock price of SBI Cards & Payment Services Ltd as on 15 December 2025 is 875.
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 43.4.
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 0.29 %.
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.