SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. More Details
Exceptional growth potential with proven track record.
Share Price & News
How has SBI Cards and Payment Services's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 543066's share price has been volatile over the past 3 months.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: Insufficient data to determine how 543066 performed against the Indian Consumer Finance industry.
Return vs Market: Insufficient data to determine how 543066 performed against the Indian Market.
Price Volatility Vs. Market
How volatile is SBI Cards and Payment Services's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
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 (₹849.4) is trading above our estimate of fair value (₹100.36)
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 (61.4x) compared to the IN Consumer Finance industry average (11.3x).
PE vs Market: 543066 is poor value based on its PE Ratio (61.4x) compared to the Indian market (16.2x).
Price to Earnings Growth Ratio
PEG Ratio: 543066 is poor value based on its PEG Ratio (1.8x)
Price to Book Ratio
PB vs Industry: 543066 is overvalued based on its PB Ratio (14.9x) compared to the IN Consumer Finance industry average (0.6x).
How is SBI Cards and Payment Services forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 543066's forecast earnings growth (34.4% per year) is above the savings rate (7.2%).
Earnings vs Market: 543066's earnings (34.4% per year) are forecast to grow faster than the Indian market (26.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: 543066's revenue (28.4% per year) is forecast to grow faster than the Indian market (11.8% per year).
High Growth Revenue: 543066's revenue (28.4% 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 (27.4%)
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 (21.3%) are higher than last year (16.9%).
Past Earnings Growth Analysis
Earnings Trend: 543066's earnings have grown significantly by 29.1% per year over the past 5 years.
Accelerating Growth: 543066's earnings growth over the past year (26.2%) is below its 5-year average (29.1% per year).
Earnings vs Industry: 543066 earnings growth over the past year (26.2%) exceeded the Consumer Finance industry -5%.
Return on Equity
High ROE: Whilst 543066's Return on Equity (24.2%) is high, this metric is skewed due to their high level of debt.
How is SBI Cards and Payment Services's financial position?
Financial Position Analysis
Short Term Liabilities: 543066's short term assets (₹240.0B) exceed its short term liabilities (₹167.1B).
Long Term Liabilities: 543066's short term assets (₹240.0B) exceed its long term liabilities (₹32.6B).
Debt to Equity History and Analysis
Debt Level: 543066's debt to equity ratio (321.8%) is considered high.
Reducing Debt: 543066's debt to equity ratio has reduced from 494.2% to 321.8% over the past 5 years.
Debt Coverage: 543066's operating cash flow is negative, therefore debt is not well covered.
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?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 543066's dividend (0.12%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.56%).
High Dividend: 543066's dividend (0.12%) is low compared to the top 25% of dividend payers in the Indian market (2.29%).
Stability and Growth of Payments
Stable Dividend: 543066 is not paying a notable dividend for the Indian market, therefore no need to check if payments are stable.
Growing Dividend: 543066 is not paying a notable dividend for the Indian market, therefore no need to check if payments are 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
Ashwini Tewari (53 yo)
Mr. Ashwini Kumar Tewari serves as Chief Executive Officer, Managing Director and Director of SBI Cards and Payment Services Limited since August 1, 2020. He was Director and Vice Chairman of the Board at ...
|CEO, MD & Director||0.083yr||no data||no data|
|Independent Director||1.25yrs||₹440.00k||no data|
|Independent Director||0.83yr||₹120.00k||no data|
|Additional Independent Director||1.08yrs||₹260.00k||no data|
|Independent Director||1.08yrs||₹420.00k||0% |
|Chairman of the Board||2.75yrs||no data||0.000020% |
|Nominee Director||3.83yrs||no data||no data|
|Nominee Director||0.083yr||no data||no data|
|Nominee Director||2.75yrs||no data||no data|
|Independent Director||0.83yr||₹180.00k||no data|
Experienced Board: 543066's board of directors are not considered experienced ( 1.1 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: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: 543066 only recently listed within the past 12 months.
SBI Cards and Payment Services Limited's company bio, 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: ₹789.749b
- Shares outstanding: 939.56m
- Website: https://www.sbicard.com
Number of Employees
- SBI Cards and Payment Services Limited
- DLF Infinity Towers, Tower C
- 12th Floor
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|543066||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Mar 2020|
|SBICARD||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Mar 2020|
SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. It also acts as corporate insurance agent for selling insurance ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/09/29 12:36|
|End of Day Share Price||2020/09/29 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.