5430

SBI Cards and Payment ServicesBSE:543066 Stock Report

Market Cap

₹1.0t

7D

-2.5%

1Y

27.6%

Updated

18 Sep, 2021

Data

Company Financials +
543066 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth6/6
Past Performance2/6
Financial Health3/6
Dividends0/6

543066 Overview

SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India.

SBI Cards and Payment Services Competitors

Price History & Performance

Summary of all time highs, changes and price drops for SBI Cards and Payment Services
Historical stock prices
Current Share Price₹1,078.00
52 Week High₹762.70
52 Week Low₹1,164.65
Beta0
1 Month Change6.75%
3 Month Change7.19%
1 Year Change27.56%
3 Year Changen/a
5 Year Changen/a
Change since IPO57.79%

Recent News & Updates

Shareholder Returns

543066IN Consumer FinanceIN Market
7D-2.5%-0.05%1.2%
1Y27.6%80.5%59.0%

Return vs Industry: 543066 underperformed the Indian Consumer Finance industry which returned 80.5% over the past year.

Return vs Market: 543066 underperformed the Indian Market which returned 59% over the past year.

Price Volatility

Is 543066's price volatile compared to industry and market?
543066 volatility
543066 Beta0
Industry Beta1.25
Market Beta1

Stable Share Price: 543066 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: 543066's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19983,869Rama Mohan Amarahttps://www.sbicard.com

SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. It acts as corporate insurance agent for selling insurance policies to credit card customers. The company also offers AURUM, Paytm, DMRC, BPCL, IRCTC, and SBI Elite and Prime Amex-SBI cards, as well as SimplySave and SimplyClick cards.

SBI Cards and Payment Services Fundamentals Summary

How do SBI Cards and Payment Services's earnings and revenue compare to its market cap?
543066 fundamental statistics
Market Cap₹1.01t
Earnings (TTM)₹8.96b
Revenue (TTM)₹56.91b

113.3x

P/E Ratio

17.8x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
543066 income statement (TTM)
Revenue₹56.91b
Cost of Revenue₹42.50b
Gross Profit₹14.41b
Expenses₹5.45b
Earnings₹8.96b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)9.53
Gross Margin25.32%
Net Profit Margin15.74%
Debt/Equity Ratio286.7%

How did 543066 perform over the long term?

See historical performance and comparison

Valuation

Is SBI Cards and Payment Services undervalued compared to its fair value and its price relative to the market?

113.26x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 543066 (₹1078) is trading above our estimate of fair value (₹272.55)

Significantly Below Fair Value: 543066 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 543066 is poor value based on its PE Ratio (113.3x) compared to the Indian Consumer Finance industry average (18.4x).

PE vs Market: 543066 is poor value based on its PE Ratio (113.3x) compared to the Indian market (20.4x).


Price to Earnings Growth Ratio

PEG Ratio: 543066 is poor value based on its PEG Ratio (3.7x)


Price to Book Ratio

PB vs Industry: 543066 is overvalued based on its PB Ratio (16.1x) compared to the IN Consumer Finance industry average (0.9x).


Future Growth

How is SBI Cards and Payment Services forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?

30.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 543066's forecast earnings growth (30.9% per year) is above the savings rate (6.8%).

Earnings vs Market: 543066's earnings (30.9% per year) are forecast to grow faster than the Indian market (18.4% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: 543066's revenue (24.2% per year) is forecast to grow faster than the Indian market (12.6% per year).

High Growth Revenue: 543066's revenue (24.2% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 543066's Return on Equity is forecast to be high in 3 years time (27.1%)


Past Performance

How has SBI Cards and Payment Services performed over the past 5 years?

14.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 543066 has high quality earnings.

Growing Profit Margin: 543066's current net profit margins (15.7%) are lower than last year (21.3%).


Past Earnings Growth Analysis

Earnings Trend: 543066's earnings have grown by 14.2% per year over the past 5 years.

Accelerating Growth: 543066's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 543066 had negative earnings growth (-30.7%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.3%).


Return on Equity

High ROE: 543066's Return on Equity (14.2%) is considered low.


Financial Health

How is SBI Cards and Payment Services's financial position?


Financial Position Analysis

Short Term Liabilities: 543066's short term assets (₹246.2B) exceed its short term liabilities (₹157.8B).

Long Term Liabilities: 543066's short term assets (₹246.2B) exceed its long term liabilities (₹49.3B).


Debt to Equity History and Analysis

Debt Level: 543066's debt to equity ratio (286.7%) is considered high.

Reducing Debt: 543066's debt to equity ratio has reduced from 529.6% to 286.7% over the past 5 years.

Debt Coverage: 543066's debt is not well covered by operating cash flow (3.8%).

Interest Coverage: Insufficient data to determine if 543066's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

What is SBI Cards and Payment Services's current dividend yield, its reliability and sustainability?

0.30%

Forecast Dividend Yield


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 543066's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 543066's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 543066's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 543066's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 543066 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 543066's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.3yrs

Average board tenure


CEO

Rama Mohan Amara

0.67

Tenure

₹1,100,000

Compensation

Mr. Rama Mohan Rao Amara serves as Managing Director & Chief Executive Officer at SBI Cards and Payment Services Limited since January 30, 2021. He has been a part of State Bank of India, for almost three...


Board Members

Experienced Board: 543066's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: 543066 insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

SBI Cards and Payment Services Limited's employee growth, exchange listings and data sources


Key Information

  • Name: SBI Cards and Payment Services Limited
  • Ticker: 543066
  • Exchange: BSE
  • Founded: 1998
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹1.015t
  • Shares outstanding: 941.18m
  • Website: https://www.sbicard.com

Number of Employees


Location

  • SBI Cards and Payment Services Limited
  • DLF Infinity Towers, Tower C
  • 12th Floor
  • Gurugram
  • Haryana
  • 122002
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/18 12:04
End of Day Share Price2021/09/17 00:00
Earnings2021/06/30
Annual Earnings2021/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.