BSE:543066

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SBI Cards and Payment Services

Executive Summary

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


Snowflake Analysis

Exceptional growth potential with proven track record.


Similar Companies

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.


Market Performance


7 Day Return

4.6%

543066

2.4%

IN Consumer Finance

0.9%

IN Market


1 Year Return

n/a

543066

-16.9%

IN Consumer Finance

1.9%

IN Market

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.


Shareholder returns

543066IndustryMarket
7 Day4.6%2.4%0.9%
30 Day1.3%-7.9%-3.1%
90 Day30.8%10.5%8.8%
1 Yearn/a-13.3%-16.9%3.8%1.9%
3 Yearn/a27.1%15.8%2.5%-2.4%
5 Yearn/a163.9%133.0%36.9%26.7%

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

Valuation

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

61.39x

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).


Next Steps

Future Growth

How is SBI Cards and Payment Services forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

34.4%

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%)


Next Steps

Past Performance

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

29.1%

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.


Next Steps

Financial Health

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.


Balance Sheet


Next Steps

Dividend

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

0.12%

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.


Next Steps

Management

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

1.1yrs

Average board tenure


CEO

Ashwini Tewari (53 yo)

0.083

Tenure

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 ...


Board Members

NamePositionTenureCompensationOwnership
Ashwini Tewari
CEO, MD & Director0.083yrno datano data
Tejendra Bhasin
Independent Director1.25yrs₹440.00kno data
Dinesh Mehrotra
Independent Director0.83yr₹120.00kno data
Nilesh Vikamsey
Additional Independent Director1.08yrs₹260.00kno data
Rajendra Saraf
Independent Director1.08yrs₹420.00k0%
₹ 0
Rajnish Kumar
Chairman of the Board2.75yrsno data0.000020%
₹ 157.9k
Dinesh Khara
Nominee Director3.83yrsno datano data
Devendra Kumar
Nominee Director0.083yrno datano data
Sunil Kaul
Nominee Director2.75yrsno datano data
Anuradha Nadkarni
Independent Director0.83yr₹180.00kno data

1.1yrs

Average Tenure

60yo

Average Age

Experienced Board: 543066's board of directors are not considered experienced ( 1.1 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: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: 543066 only recently listed within the past 12 months.


Top Shareholders

Company Information

SBI Cards and Payment Services Limited's company bio, 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: ₹789.749b
  • Shares outstanding: 939.56m
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
543066BSE (Mumbai Stock Exchange)YesEquity SharesININRMar 2020
SBICARDNSEI (National Stock Exchange of India)YesEquity SharesININRMar 2020

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/29 12:36
End of Day Share Price2020/09/29 00:00
Earnings2020/06/30
Annual Earnings2020/03/31


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.