SBI Cards and Payment Services Limited

NSEI:SBICARD Stock Report

Market Cap: ₹702.5b

SBI Cards and Payment Services Past Earnings Performance

Past criteria checks 2/6

SBI Cards and Payment Services has been growing earnings at an average annual rate of 20.5%, while the Consumer Finance industry saw earnings growing at 16.2% annually. Revenues have been growing at an average rate of 14.1% per year. SBI Cards and Payment Services's return on equity is 19.9%, and it has net margins of 21.7%.

Key information

20.5%

Earnings growth rate

19.1%

EPS growth rate

Consumer Finance Industry Growth18.3%
Revenue growth rate14.1%
Return on equity19.9%
Net Margin21.7%
Last Earnings Update31 Mar 2024

Recent past performance updates

Recent updates

SBI Cards and Payment Services (NSE:SBICARD) Will Pay A Dividend Of ₹2.50

Mar 22
SBI Cards and Payment Services (NSE:SBICARD) Will Pay A Dividend Of ₹2.50

SBI Cards and Payment Services Limited's (NSE:SBICARD) Price In Tune With Earnings

Dec 18
SBI Cards and Payment Services Limited's (NSE:SBICARD) Price In Tune With Earnings

We Ran A Stock Scan For Earnings Growth And SBI Cards and Payment Services (NSE:SBICARD) Passed With Ease

Jun 05
We Ran A Stock Scan For Earnings Growth And SBI Cards and Payment Services (NSE:SBICARD) Passed With Ease

Does SBI Cards and Payment Services (NSE:SBICARD) Deserve A Spot On Your Watchlist?

Mar 07
Does SBI Cards and Payment Services (NSE:SBICARD) Deserve A Spot On Your Watchlist?

Earnings Miss: SBI Cards and Payment Services Limited Missed EPS By 15% And Analysts Are Revising Their Forecasts

Jan 27
Earnings Miss: SBI Cards and Payment Services Limited Missed EPS By 15% And Analysts Are Revising Their Forecasts

Should You Review Recent Insider Transactions At SBI Cards and Payment Services Limited (NSE:SBICARD)?

Feb 16
Should You Review Recent Insider Transactions At SBI Cards and Payment Services Limited (NSE:SBICARD)?

Don't Ignore The Fact That This Insider Just Sold Some Shares In SBI Cards and Payment Services Limited (NSE:SBICARD)

Nov 03
Don't Ignore The Fact That This Insider Just Sold Some Shares In SBI Cards and Payment Services Limited (NSE:SBICARD)

Revenue & Expenses Breakdown

How SBI Cards and Payment Services makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NSEI:SBICARD Revenue, expenses and earnings (INR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 24110,85824,0795,6970
31 Dec 23110,39323,41931,0780
30 Sep 23105,05823,02331,0560
30 Jun 23101,48522,24930,8680
31 Mar 2398,67922,58530,8010
31 Dec 22122,38422,42953,6660
30 Sep 22117,15121,19253,4540
30 Jun 2282,46519,3844,9490
31 Mar 2273,96316,16124,9760
31 Dec 2188,65612,10743,2170
30 Sep 2183,78310,34643,3240
30 Jun 2156,9088,9585,2780
31 Mar 2178,4059,84543,0420
31 Dec 2067,2808,92634,7460
30 Sep 2064,84411,18417,9450
30 Jun 2060,58012,9255,0220
31 Mar 2073,28812,44834,3150
31 Dec 1963,84414,0548,9210
30 Sep 1968,68312,14235,6740
30 Jun 1960,63810,22324,9800
31 Mar 1959,2698,65025,1920
31 Mar 1843,1096,03520,7770
31 Mar 1731,6563,90411,1070
31 Mar 1619,4142,8397,2920
31 Mar 1512,1442,6673,6450
31 Mar 149,7602,9312,2990

Quality Earnings: SBICARD has high quality earnings.

Growing Profit Margin: SBICARD's current net profit margins (21.7%) are lower than last year (22.9%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: SBICARD's earnings have grown significantly by 20.5% per year over the past 5 years.

Accelerating Growth: SBICARD's earnings growth over the past year (6.6%) is below its 5-year average (20.5% per year).

Earnings vs Industry: SBICARD earnings growth over the past year (6.6%) did not outperform the Consumer Finance industry 38.5%.


Return on Equity

High ROE: SBICARD's Return on Equity (19.9%) is considered low.


Return on Assets


Return on Capital Employed


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