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
|Historical stock prices|
|Current Share Price||₹1,078.00|
|52 Week High||₹762.70|
|52 Week Low||₹1,164.65|
|1 Month Change||6.75%|
|3 Month Change||7.19%|
|1 Year Change||27.56%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||57.79%|
Recent News & Updates
|543066||IN Consumer Finance||IN Market|
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.
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
|1998||3,869||Rama Mohan Amara||https://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
|543066 fundamental statistics|
Is 543066 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|543066 income statement (TTM)|
|Cost of Revenue||₹42.50b|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||9.53|
|Net Profit Margin||15.74%|
How did 543066 perform over the long term?See historical performance and comparison
Is SBI Cards and Payment Services undervalued compared to its fair value and its price relative to the market?
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).
How is SBI Cards and Payment Services forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?
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%)
How has SBI Cards and Payment Services performed over the past 5 years?
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.
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.
What is SBI Cards and Payment Services's current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Rama Mohan Amara
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...
Experienced Board: 543066's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
SBI Cards and Payment Services Limited's employee growth, exchange listings and data sources
- 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
- SBI Cards and Payment Services Limited
- DLF Infinity Towers, Tower C
- 12th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/18 12:04|
|End of Day Share Price||2021/09/17 00:00|
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.