1. Is SBI Cards And Payment Services Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that SBI Cards And Payment Services Ltd is a good quality company.
2. Is SBI Cards And Payment Services Ltd undervalued or overvalued?
The key valuation ratios of SBI Cards And Payment Services Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is SBI Cards And Payment Services Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of SBI Cards And Payment Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||1,007||1,437||1,820||2,387||3,346||5,187||6,999||9,276||9,296||10,677||10,770|
|YoY Gr. Rt. %||-||42.7%||26.7%||31.2%||40.2%||55%||34.9%||32.5%||0.2%||14.9%||-|
|Adj EPS (₹ )||1.7||3.7||3.4||3.6||4.8||7.7||10.3||13.3||10.5||17.1||20.6|
|YoY Gr. Rt. %||-||114.4%||-8.9%||6.5%||31.2%||61.3%||34.9%||28.4%||-21%||63.7%||-|
|BVPS (₹ )||5.8||9.5||12.3||14.7||18.5||28.8||41.7||56.7||66.5||81.7||88.3|
|YoY Gr. Rt. %||-||64.6%||29.5%||19.6%||25.5%||55.8%||45.1%||35.9%||17.4%||22.8%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||4.7||6.9||4.8||4.1||4.1||4.6||4.9||5.5||3.8||5.3||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||30%||26.1%||15.1%||14.9%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||TTM|
|Asset Quality Ratio||To view Asset Quality Ratio Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0||0.7||1.4||1.5||0.8||1||0.8||0.7||0||0||-|
|Capitalization Ratio||To view Capitalization Ratio Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||0||0||0||0||15.7||18.3||20.1||22.4||0||0||-|
|Net Profit Margin (%)||13.5||20.4||14.7||11.9||11.1||11.6||12.4||13.4||10.6||15.1||18|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||35.4||48.9||31.2||26.8||28.6||32.4||30.1||28.2||17||23.2||23.3|
Return on Equity has increased versus last 3 years average to 24.20%
Total Income has increased 15.12 CAGR in last 3 years
Net Profit has increased 18.39 CAGR in last 3 years
Total income growth is good in last 4 quarters
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|TTM EPS (₹)||20.6||-|
|TTM Sales (₹ Cr.)||10,770||-|
|BVPS (₹.) ⓘ||88.3||-|
|Reserves (₹ Cr.) ⓘ||7,390||-|
|From the Market|
|52 Week Low / High (₹)||656.10 / 1160.60|
|All Time Low / High (₹)||495.25 / 1164.65|
|Market Cap (₹ Cr.)||86,396|
|Equity (₹ Cr.)||943.3|
|Face Value (₹)||10|
|Industry PE ⓘ||30.7|
SBI Card was launched in October 1998 by the State Bank of India and GE Capital. Incorporated as SBI Cards and Payment Services Private Limited (SBICPSL), SBI Card is headquartered in Gurgaon, Haryana.
In December 2017, State Bank of India and The Carlyle Group acquired GE Capital’s stake in SBI Card, post which SBI held 74% while Carlyle held 26% in the Company. The legal name of SBI Card was changed on August 20, 2019, from SBI Cards and Payment Services Private Limited to SBI Cards and Payment Services Limited, on account of its conversion from a ‘Private Limited’ company to a ‘Public Limited’ company. In March 2020, SBI Card became the first pure play credit card company to list on the stock exchanges in India. The company is the second largest credit card provider in the country, with huge card base. It also has offices in many cities in India.
Business area of the company
The company is engaged in the business of issuing credit cards to consumers in India. It offers Indian consumers access to a wide range of world-class, value-added payment products and services.
The company’s product portfolio includes premium, classic, travel and shopping, exclusive and corporate cards, to cater to both individual and corporate needs.