Stock SBICARD SBI CARDS AND PAYMENT SERVICES LIMITED
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Financials SBI Cards and Payment Services Limited

Equities

SBICARD

INE018E01016

Consumer Lending

Market Closed - NSE India S.E.
Other stock markets
 07:43:49 2024-05-07 am EDT 		5-day change 1st Jan Change
715.6 INR -0.34% Intraday chart for SBI Cards and Payment Services Limited -1.75% -5.81%
Apr. 29 Jefferies Adjusts SBI Cards and Payment Services’ Price Target to INR785 From INR830, Keeps at Hold MT
Apr. 29 SBI Cards And Payment Services Posts Gains in Fiscal Q4 Net Profit, Revenue; Shares Down 3% MT

Valuation

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 580,886 873,043 803,300 700,284 680,417 - -
Enterprise Value (EV) 1 580,886 873,043 1,022,061 997,836 649,037 1,143,397 1,252,287
P/E ratio 46.8 x 89.4 x 50 x 31.1 x 26.9 x 24.2 x 19.1 x
Yield 0.16% - 0.29% 0.34% 0.41% 0.48% 0.59%
Capitalization / Revenue 6.26 x 9.41 x 7.82 x 5.54 x 4.36 x 3.81 x 3.13 x
EV / Revenue 6.26 x 9.41 x 9.95 x 7.9 x 4.36 x 6.4 x 5.76 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 10.9 x 14 x 10.4 x 7.11 x 5.71 x 4.67 x 3.84 x
Nbr of stocks (in thousands) 938,957 940,525 943,172 946,074 950,901 - -
Reference price 2 618.6 928.2 851.7 740.2 715.6 715.6 715.6
Announcement Date 5/8/20 4/26/21 4/29/22 4/28/23 4/26/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 70,549 92,764 92,775 102,742 126,380 148,883 178,578 217,313
EBITDA - - - - - - - -
EBIT 1 - 36,699 39,623 44,280 51,896 65,192 76,848 93,304
Operating Margin - 39.56% 42.71% 43.1% 41.06% 43.79% 43.03% 42.94%
Earnings before Tax (EBT) 1 - - 13,237 21,722 30,306 32,318 37,660 47,804
Net income 1 - 12,448 9,845 16,161 22,585 24,079 28,127 35,715
Net margin - 13.42% 10.61% 15.73% 17.87% 16.17% 15.75% 16.43%
EPS 2 9.610 13.21 10.38 17.02 23.80 25.37 29.54 37.53
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - 1.000 - 2.500 2.500 2.940 3.409 4.251
Announcement Date 4/26/19 5/8/20 4/26/21 4/29/22 4/28/23 4/26/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 24,032 23,087 23,619 24,413 28,628 27,487 31,003 32,971 31,919 34,093 34,748 36,668 40,226 41,306 39,673
EBITDA - - - - - - - - - - - - - - -
EBIT 1 9,311 8,776 10,540 10,580 11,440 11,720 12,912 12,516 12,174 14,294 15,150 15,371 15,936 16,679 17,995
Operating Margin 38.75% 38.01% 44.62% 43.34% 39.96% 42.64% 41.65% 37.96% 38.14% 41.93% 43.6% 41.92% 39.62% 40.38% 45.36%
Earnings before Tax (EBT) 1 2,829 2,344 4,103 4,641 5,185 7,792 8,409 7,056 6,843 7,997 7,966 8,162 7,889 7,880 -
Net income 1 2,097 1,754 3,046 3,449 3,858 5,809 6,269 5,256 5,095 5,965 5,933 5,967 5,920 5,735 6,285
Net margin 8.72% 7.6% 12.9% 14.13% 13.48% 21.13% 20.22% 15.94% 15.96% 17.5% 17.07% 16.27% 14.72% 13.88% 15.84%
EPS 2 2.210 - 3.210 - 4.070 6.110 6.600 5.530 5.360 6.280 6.240 6.133 6.245 6.026 6.975
Dividend per Share - - - - - - - - - - - - - 3.668 -
Announcement Date 1/21/21 4/26/21 7/23/21 10/28/21 1/24/22 4/29/22 7/28/22 10/27/22 1/24/23 4/28/23 7/28/23 - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - 218,761 297,551 392,484 462,980 571,870
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) - 27.4% 16.9% 23% 25.7% 21.4% 21.1% 22%
ROA (Net income/ Total Assets) - 5.5% 3.76% 5.24% 5.63% 4.57% 4.41% 4.66%
Assets 1 - 226,330 261,597 308,306 400,936 506,114 638,486 767,202
Book Value Per Share 2 - 56.90 66.40 82.20 104.0 125.0 153.0 187.0
Cash Flow per Share - - 7.300 -46.20 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/26/19 5/8/20 4/26/21 4/29/22 4/28/23 4/26/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for SBI Cards and Payment Services Limited

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
26
Last Close Price
715.6 INR
Average target price
768.8 INR
Spread / Average Target
+7.44%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Consumer Credit Cards Services
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