SBI Cards

Market Cap: Large Cap
Industry: Finance/NBFC
ISIN: INE018E01016
NSEID: SBICARD
BSEID: 543066

INR

852.00

7.35 (0.87%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 2.58 lacs

Click here to access the older version

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

2.58 lacs (-59.29%) Volume

Shareholding (Dec 2024)

FII

9.51%

Held by 487 FIIs

DII

16.48%

Held by 47 DIIs

Promoter

68.60%

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 19.77%

Negative results in Dec 24

Stock is technically in a Bullish range

With ROE of 15.6, it has a Very Expensive valuation with a 6.1 Price to Book Value

High Institutional Holdings at 25.99%

Market Beating Performance

Mojo Parameters

Loading Valuation Snapshot...

Stock DNA

Industry

Finance/NBFC

Market cap

INR 81,056 Cr (Large Cap)

P/E

39.00

Industry P/E

Dividend Yield

0.30%

Debt Equity

3.30

Return on Equity

15.62%

Price to Book

6.14

Revenue and Profits (1 Year):

Net Sales:

4,619 Cr

(Quarterly Results - Dec 2024)

Net Profit:

383 Cr

Total Returns

Total Returns (Price + Dividend)

Dividend Yield (0.3%)

TimePeriod

Price Return

Dividend Return

Total Return

6 Months

16.04%

0.37%

16.41%

1 Year

13.91%

0.34%

14.25%

2 Years

15.48%

0.61%

16.09%

3 Years

-0.02%

1.02%

1.0%

4 Years

-11.56%

1.02%

-10.54%

5 Years

43.23%

1.96%

45.19%

Latest dividend: 2.5 per share ex-dividend date: Feb-25-2025

Risk Adjusted Returns v/s Sensex

Returns Beta

Beta has not been calculated since enough price history is not available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

14.99%

EBIT Growth (5y)

12.56%

Net Debt to Equity (avg)

Institutional Holding

25.99%

ROE (avg)

19.77%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

6.14

EV to EBIT

22.88

EV to EBITDA

22.05

EV to Capital Employed

2.23

EV to Sales

6.86

PEG Ratio

Dividend Yield

0.30%

ROCE (Latest)

9.97%

ROE (Latest)

15.62%

Tecnicals key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2024

Shareholding Compare (%holding)

Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 22 Schemes (9.71%)

FIIs

Held by 487 FIIs (9.51%)

Promoter with highest holding

State Bank Of India (68.6%)

Highest Public shareholder

Life Insurance Corporation Of India - P & Gs Fund (6.12%)

Individual Investors Holdings

4.78%

Financial

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        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 4.47% vs 1.43% in Sep 2024",
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        "suffix": "QoQ Growth in quarter ended Dec 2024 is -5.24% vs -31.97% in Sep 2024",
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        "Dec'24",
        "Sep'24",
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          "val2": "4,421.04",
          "chgp": "4.47%",
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          "field": "Operating Profit (PBDIT) excl Other Income",
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          "val2": "1,248.46",
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        {
          "field": "Interest",
          "val1": "828.64",
          "val2": "787.68",
          "chgp": "5.20%",
          "chgp_class": "negative"
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        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
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          "chgp_class": "neutral"
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        {
          "field": "Standalone Net Profit",
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          "val2": "404.42",
          "chgp": "-5.24%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "27.00%",
          "val2": "28.24%",
          "chgp": "-1.24%",
          "chgp_class": "negative"
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      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 9.76% vs 25.04% in Sep 2023",
        "dir": -1
      },
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        "prefix": "Standalone Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is -16.51% vs 3.80% in Sep 2023",
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      }
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    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
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          "val1": "8,779.56",
          "val2": "7,999.00",
          "chgp": "9.76%",
          "chgp_class": "positive"
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        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,185.47",
          "val2": "1,432.10",
          "chgp": "-17.22%",
          "chgp_class": "negative"
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        {
          "field": "Interest",
          "val1": "1,554.51",
          "val2": "1,175.93",
          "chgp": "32.19%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "998.88",
          "val2": "1,196.38",
          "chgp": "-16.51%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "13.50%",
          "val2": "17.90%",
          "chgp": "-4.40%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 6.16% vs 27.42% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is -20.82% vs 5.02% in Dec 2023",
        "dir": -1
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      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
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          "val2": "12,620.70",
          "chgp": "6.16%",
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        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "2,432.63",
          "val2": "2,796.06",
          "chgp": "-13.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "2,383.15",
          "val2": "1,871.42",
          "chgp": "27.34%",
          "chgp_class": "negative"
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          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Standalone Net Profit",
          "val1": "1,382.11",
          "val2": "1,745.46",
          "chgp": "-20.82%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "18.16%",
          "val2": "22.15%",
          "chgp": "-3.99%",
          "chgp_class": "negative"
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      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
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        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is 24.16% vs 28.00% in Mar 2023",
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        "prefix": "Standalone Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 6.62% vs 39.74% in Mar 2023",
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        "Mar'24",
        "Mar'23",
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          "field": "Standalone Net Profit",
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          "chgp_class": "positive"
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          "field": "Operating Profit Margin (Excl OI)",
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Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ

Dec'24

Sep'24

Change(%)

Net Sales

4,618.69

4,421.04

4.47%

Operating Profit (PBDIT) excl Other Income

1,247.16

1,248.46

-0.10%

Interest

828.64

787.68

5.20%

Exceptional Items

0.00

Standalone Net Profit

383.23

404.42

-5.24%

Operating Profit Margin (Excl OI)

27.00%

28.24%

-1.24%

Values in Rs Cr.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2024 is 4.47% vs 1.43% in Sep 2024

Standalone Net Profit

QoQ Growth in quarter ended Dec 2024 is -5.24% vs -31.97% in Sep 2024

All Quarterly Results

Half Yearly Results Snapshot (Standalone) - Sep'24

Sep'24

Sep'23

Change(%)

Net Sales

8,779.56

7,999.00

9.76%

Operating Profit (PBDIT) excl Other Income

1,185.47

1,432.10

-17.22%

Interest

1,554.51

1,175.93

32.19%

Exceptional Items

0.00

Standalone Net Profit

998.88

1,196.38

-16.51%

Operating Profit Margin (Excl OI)

13.50%

17.90%

-4.40%

Values in Rs Cr.

Compare with Peers

Net Sales

Growth in half year ended Sep 2024 is 9.76% vs 25.04% in Sep 2023

Standalone Net Profit

Growth in half year ended Sep 2024 is -16.51% vs 3.80% in Sep 2023

All Half Yearly Results

Nine Monthly Results Snapshot (Standalone) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

13,398.25

12,620.70

6.16%

Operating Profit (PBDIT) excl Other Income

2,432.63

2,796.06

-13.00%

Interest

2,383.15

1,871.42

27.34%

Exceptional Items

0.00

Standalone Net Profit

1,382.11

1,745.46

-20.82%

Operating Profit Margin (Excl OI)

18.16%

22.15%

-3.99%

Values in Rs Cr.

Compare with Peers

Net Sales

YoY Growth in nine months ended Dec 2024 is 6.16% vs 27.42% in Dec 2023

Standalone Net Profit

YoY Growth in nine months ended Dec 2024 is -20.82% vs 5.02% in Dec 2023

All Nine Monthly Results

Annual Results Snapshot (Standalone) - Mar'24

Mar'24

Mar'23

Change(%)

Net Sales

16,968.42

13,666.64

24.16%

Operating Profit (PBDIT) excl Other Income

2,913.47

2,575.35

13.13%

Interest

2,595.22

1,647.63

57.51%

Exceptional Items

0.00

Standalone Net Profit

2,407.88

2,258.47

6.62%

Operating Profit Margin (Excl OI)

17.17%

18.84%

-1.67%

Values in Rs Cr.

Compare with Peers

Net Sales

YoY Growth in year ended Mar 2024 is 24.16% vs 28.00% in Mar 2023

Standalone Net Profit

YoY Growth in year ended Mar 2024 is 6.62% vs 39.74% in Mar 2023

All Annual Results

Company CV

About SBI Cards & Payment Services Ltd

SBI Cards & Payment Services Ltd

Large Cap

Finance/NBFC

SBI Cards and Payment Services Limited was incorporated as a private limited company with the name "SBI Cards and Payment Services Private Limited" on May 15, 1998 in New Delhi. On the conversion of Company to a public limited company, the name was changed to, "SBI Cards and Payment Services Limited" on August 20, 2019. The Company is engaged in the business of issuing credit cards to consumers. It also acts as corporate insurance agent for selling insurance policies to credit card customers.

Company Coordinates

No Company Details Available