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| 23 October, 2021, 04:11 PM IST | E-Paper
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SBI Cards and Payment Services - Share Price, Stock Analysis & Recos

  • 1,129.5040.60 (3.73%)
  • Volume: 24,36,016
  • Closed
  • Last Updated On: 22 Oct, 2021, 03:59 PM IST
OPEN TRADING A/C
STOCK SCORE
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  • Overview
  • News
  • Analysis
  • Recos
  • Financials
  • Forecast
  • Technicals
  • Peers
  • Shareholdings
  • MF
  • Corp Actions
  • About

Insights

View All
  • Since its listing, only 2.0 % trading sessions saw intraday gains higher than 5 % .

  • Company has sufficient cash reserves to pay off its contingent liabilities. (Source: Standalone Financials)

  • Sales de-grew by 0.4%. Company witnessed revenue contraction for the first time in last 3 years. (Source: Standalone Financials)

  • 20 day moving crossover appeared yesterday. Average price gain of 4.04% within 7 days of this signal in last 5 years.

InsightsSBI Cards and Payment Services Ltd.

  • Intraday fact check

    Since its listing, only 2.0 % trading sessions saw intraday gains higher than 5 % .

  • Contingent Liabilities Coverage

    Company has sufficient cash reserves to pay off its contingent liabilities. (Source: Standalone Financials)

  • Topline Contraction

    Sales de-grew by 0.4%. Company witnessed revenue contraction for the first time in last 3 years. (Source: Standalone Financials)

  • Buy Signal: Bulls back on track

    20 day moving crossover appeared yesterday. Average price gain of 4.04% within 7 days of this signal in last 5 years.

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Key Metrics

  • PE Ratio

    PE Ratio

    This is a ratio arrived at by dividing the current market price of a stock by its latest (annual or annualized) earnings per share. Here we have taken the TTM (trailing twelve months) adjusted earnings per share.

    (x)
    109.94
  • EPS - TTM

    EPS - TTM

    Earnings per share (TTM) tells the profit after tax earned on a per share basis by a stock over the last twelve months or four quarters.

    (₹)
    9.52
  • MCap

    MCap

    MCap or Market capitalization of a stock is calculated by multiplying the total number of shares outstanding of that particular stock with its current market price.

    (₹ Cr.)
    1,06,308
  • Sectoral MCap Rank

    Sectoral MCap Rank

    This is the ranking of a company within its sector based on MCap or Market capitalization. Higher the market capitalization of a company, higher the rank it is assigned.

    3
  • PB Ratio

    PB Ratio

    Price to Book represents the ratio of current market price of a stock to its book value per share. The book value itself is arrived at by dividing the net worth of a company by the total number of shares outstanding of the company at that time.

    (x)
    16.95
  • Div Yield

    Dividend Yield

    Dividend Yield calculates the amount of full year dividend declared by a company as a percentage of the current market price of a stock. All other things being equal, higher the dividend yield of the stock, the better it is for investors.

    (%)
    0.00
  • Face Value

    Face Value

    Face value of a stock is the value ascribed to the stock as per the balance sheet of the company. The dividend declared by a company is usually declared as a percentage of face value.

    (₹)
    10.00
  • Beta

    Beta

    1 Month-
    3 Months-
    6 Months-
    1 Year-
    3 Years-

    -
  • VWAP

    VWAP

    Volume Weighted Average Price represents the average price of a security over a particular time period (example one trading day) weighted by the volume traded at each price point.

    (₹)
    1,125.67
  • 52W H/L

    52W H/L

    This represents the 52 week high and low price of the security. It is also the 1 year high and low of the security. This represents the highest and lowest price touched by the security during the past 52 weeks or 1 year including today.

    (₹)
    1,165.00 / 766.10

Returns

  • 1 Day1.65%
  • 1 Week3.5%
  • 1 Month-7.06%
  • 3 Months6.69%
  • 1 Year24.76%
  • 3 YearsN.A.
  • 5 YearsN.A.

SBI Cards Stock Analysis

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Recommendations

Recent Recos

BUY

Current

Mean Recos by 19 Analysts

Strong
Sell
SellHoldBuyStrong
Buy

That's all for SBI Cards recommendations. Check out other stock recos.

Analyst Trends

RatingsCurrent1 Week Ago1 Month Ago3 Months Ago
Strong Buy6667
Buy12121211
Hold111-
Sell----
Strong Sell----
# Analysts19191918

Financials

  • Income (P&L)

  • Balance Sheet

  • Cash Flow

  • Ratios

  • Insights

    • Topline Contraction

      Sales de-grew by 0.4%. Company witnessed revenue contraction for the first time in last 3 years. (Source: Standalone Financials)
    • Employee & Interest Expense

      Company has spent 11.25% of its operating revenues towards interest expenses and 5.3% towards employee cost in the year ending Mar 31, 2021. (Source: Standalone Financials)
    Quarterly | AnnualJun 2021Mar 2021Dec 2020Sep 2020Jun 2020
    Total Income2,450.942,468.142,539.772,512.732,195.60
    Total Income Growth (%)-0.70-2.821.0814.44-12.54
    Total Expenses1,811.631,990.081,995.961,970.371,392.70
    Total Expenses Growth (%)-8.97-0.291.3041.48-32.52
    EBIT639.31478.06543.81542.36802.90
    EBIT Growth (%)33.73-12.090.27-32.4579.82
    Profit after Tax (PAT)304.61175.42209.66206.15393.29
    PAT Growth (%)73.65-16.331.70-47.58370.76
    EBIT Margin (%)26.0819.3721.4121.5836.57
    Net Profit Margin (%)12.437.118.268.2017.91
    Basic EPS (₹)3.241.872.232.204.19
    Quarterly | Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Total Revenue9,713.589,752.297,286.845,370.193,363.49
    Total Revenue Growth (%)-0.4033.8335.6959.6634.96
    Total Expenses8,389.858,022.665,955.234,450.852,765.03
    Total Expenses Growth (%)4.5834.7233.8060.9734.62
    Profit after Tax (PAT)984.521,244.82862.72601.14390.41
    PAT Growth (%)-20.9144.2943.5153.9837.52
    Operating Profit Margin (%)25.5132.6633.5531.4434.58
    Net Profit Margin (%)10.6113.4112.3211.5812.05
    Basic EPS (₹)10.4813.359.437.404.97

    All figures in Rs Cr, unless mentioned otherwise

    No reported Profit & Loss Statement are available.

  • Insights

    • Contingent Liabilities Coverage

      Company has sufficient cash reserves to pay off its contingent liabilities. (Source: Standalone Financials)
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Total Assets27,012.8625,302.8020,239.6415,686.0110,829.05
    Total Assets Growth (%)6.7625.0229.0344.8537.42
    Total Liabilities20,710.8319,961.5816,657.9113,332.949,378.16
    Total Liabilities Growth (%)3.7519.8324.9442.1739.45
    Total Equity6,302.035,341.223,581.732,353.061,450.89
    Total Equity Growth (%)17.9949.1252.2262.1825.61
    Current Ratio (x)2.072.011.8812.561.13
    Total Debt to Equity (x)2.873.253.814.855.66
    Contingent Liabilities215.36195.9679.2846.81-

    All figures in Rs Cr, unless mentioned otherwise

    No reported Balance Sheet are available.

  • Insights

    • Cash from Operations vs PAT

      Operating cash flow of Rs 692.32 cr is 0.7 times compared to the reported net profit of Rs 984.52 cr. (Source: Standalone Financials)
    • Increase in Cash from Investing

      Company has used Rs 996.78 cr for investing activities which is an YoY increase of 1261.09%. (Source: Standalone Financials)
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Net Cash flow from Operating Activities692.32-4,066.87-2,364.94-2,877.09-2,237.06
    Net Cash used in Investing Activities-996.78-73.23-72.39-31.49-0.85
    Net Cash flow from Financing Activities431.753,921.732,741.432,934.902,246.42
    Net Cash Flow127.29-218.37304.10189.738.51
    Closing Cash & Cash Equivalent643.20515.13776.78472.68282.95
    Closing Cash & Cash Equivalent Growth (%)24.86-33.6864.3467.063.09
    Total Debt/ CFO (x)26.10-4.27-5.77-3.97-3.67

    All figures in Rs Cr, unless mentioned otherwise

    No reported Cash Flow Statement are available.

  • Insights

    • Passing Profits to Shareholders

      Company has consistently declining ROE in last 5 years. Majority of profits last year were disbursed as dividends to shareholders. (Source: Standalone Financials)
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Return on Equity (%)15.6223.3024.0825.5426.90
    Return on Capital Employed (%)16.0822.4923.1711.2456.00
    Return on Assets (%)3.644.914.263.833.60
    Interest Coverage Ratio (x)2.272.332.312.292.15
    Asset Turnover Ratio (x)34.3436.6634.5833.0629.90
    Price to Earnings (x)89.2946.73---
    Price to Book (x)13.8710.87---
    EV/EBITDA (x)42.0623.85---
    EBITDA Margin (%)26.8433.7834.7131.9134.61

    No reported Financial Ratios are available.

Financial InsightsSBI Cards and Payment Services Ltd.

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
  • Ratios
    • Topline Contraction

      Sales de-grew by 0.4%. Company witnessed revenue contraction for the first time in last 3 years. (Source: Standalone Financials)

    • Employee & Interest Expense

      Company has spent 11.25% of its operating revenues towards interest expenses and 5.3% towards employee cost in the year ending Mar 31, 2021. (Source: Standalone Financials)

    • Contingent Liabilities Coverage

      Company has sufficient cash reserves to pay off its contingent liabilities. (Source: Standalone Financials)

    • Cash from Operations vs PAT

      Operating cash flow of Rs 692.32 cr is 0.7 times compared to the reported net profit of Rs 984.52 cr. (Source: Standalone Financials)

    • Increase in Cash from Investing

      Company has used Rs 996.78 cr for investing activities which is an YoY increase of 1261.09%. (Source: Standalone Financials)

    • Passing Profits to Shareholders

      Company has consistently declining ROE in last 5 years. Majority of profits last year were disbursed as dividends to shareholders. (Source: Standalone Financials)

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Forecast

  • PRICE

  • REVENUE

  • EARNINGS

  • Get multiple analysts’ prediction on SBI Cards

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    • High, low, medium predictions for Price
    • Upcoming predictions for Revenue
    • Details about company earnings
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  • Get multiple analysts’ prediction on SBI Cards

    Stock Forecast Non Prime User
    • High, low, medium predictions for Price
    • Upcoming predictions for Revenue
    • Details about company earnings
    START FREE TRIAL
  • Get multiple analysts’ prediction on SBI Cards

    Stock Forecast Non Prime User
    • High, low, medium predictions for Price
    • Upcoming predictions for Revenue
    • Details about company earnings
    START FREE TRIAL

Technicals

  • Buy / Sell Signals

  • Price Analysis

  • Pivot Levels & ATR

  • Chart

  • Bullish / Bearish signals for SBI Cards and Payment Services Ltd. basis selected technical indicators and moving average crossovers.

    MACD Crossover

    Bullish signal on daily chart

    Appeared on: 22 Oct 2021

    Region: Positive

    Last 4 Buy Signals:5 Oct 2021
    Date10 days Gain/Loss %
    5 Oct 20215.78%
    25 Aug 20219.37%
    26 Jul 20213.56%
    13 Jul 20211.04%

    Average price gain of 4.29% within 10 days of Bullish signal in last 10 years

    5 Day EMA Crossover

    Bullish signal on daily chart

    Appeared on: 22 Oct 2021

    5D EMA: 1114.51

    Last 4 Buy Signals:14 Oct 2021
    Date7 days Gain/Loss %
    14 Oct 20211.68%
    1 Oct 20219.97%
    17 Sep 2021-0.10%
    8 Sep 20212.67%

    Average price gain of 4.25% within 7 days of Bullish signal in last 5 years

    Show More
  • 45%
    Positive Movement since
    1st Jan 2005 on basis
    55%
    Negative Movement since
    1st Jan 2005 on basis
    Exclude
  • Pivot Levels

    R1R2R3PIVOTS1S2S3
    Classic1149.471169.431220.131118.731098.771068.031017.33

    Average True Range

    5 DAYS14 DAYS28 DAYS
    ATR37.9034.8132.88

Peer Comparison

  • Stock Performance

  • Ratio Performance

    • There’s no suggested peer for this stock.
    • 1D
    • 1W
    • 1M
    • 3M
    • 6M
    • 1Y
    • 5Y
  • Ratio Performance

    NAMEP/E (x)P/B (x)ROE %ROCE %ROA %Rev CAGR [3Yr]OPMNPMBasic EPSCurrent RatioTotal Debt/ Equity (x)Total Debt/ CFO (x)
    SBI Cards118.6716.8715.6216.083.6421.6025.5110.6110.482.072.8726.10
    Add More stocks of your interest to compare.
    Annual Ratios (%)

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      Peers InsightsSBI Cards and Payment Services Ltd.

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        Shareholding Pattern

        • QOQ Change

        • Total Shareholdings

        • Showing Shareholding as on 30 Sep 2021
          Category30 Sep 202130 Jun 202131 Mar 202131 Dec 2020
          Promoters69.3769.5069.4069.40
          Pledge0.000.000.000.00
          FII13.0712.478.625.84
          DII9.706.695.963.89
          Mutual Funds6.665.354.622.86
          Others7.8611.3416.0220.87
        • Showing Shareholding as on 30 Sep 2021
          CategoryNo. of SharesPercentage% Change QoQ
          Promoters65,28,73,18169.37 %-0.13
          Pledge00.00 %0.00
          FII12,29,99,77713.07 %0.60
          DII9,13,78,5869.70 %3.01
          MF6,26,89,2306.66 %1.31
          Others7,39,44,5557.86 %-3.48

        MF Ownership

        MF Ownership details are not available.

        Corporate Actions

        • Board Meeting/AGM

        • Dividends

        • Others
        • Meeting DateAnnounced onPurposeDetails
          Aug 26, 2021Aug 03, 2021AGM-
          Jul 23, 2021Jul 16, 2021Board MeetingQuarterly Results
          Apr 26, 2021Apr 20, 2021Board MeetingAudited Results
          Apr 10, 2021Mar 09, 2021POM-
          Mar 12, 2021Mar 08, 2021Board MeetingOthers
        • TypeDividendDividend per ShareEx-Dividend DateAnnounced on
          Interim10%1.0May 15, 2020May 05, 2020
        • No other corporate actions details are available.

        About SBI Cards

        SBI Cards and Payment Services Ltd., incorporated in the year 1998, is a Small Cap company (having a market cap of Rs 106,308.10 Crore) operating in Financial Services sector. SBI Cards and Payment Services Ltd. key Products/Revenue Segments include Interest, Fees & Other Charges, Other Services, Service Charges, Commission and Income From Sale Of Share & Securities for the year ending 31-Mar-2021. Show More

        • Executives

        • Auditors

        • DK

          Dinesh Kumar Khara

          Chairman
          RM

          Rama Mohan Rao Amara

          Managing Director & CEO
          AK

          Ashwini Kumar Tewari

          Nominee Director
          MN

          Mihir Narayan Prasad Mishra

          Nominee Director
          Show More
        • S Ramanand Aiyar & Co.

        Key Indices Listed on

        Nifty Next 50, Nifty 100, Nifty 200, + 13 more

        Address

        Unit 401 & 402, 4th Floor,Aggarwal Millennium Tower E-1,2,3,New Delhi, Delhi - 110034

        SBI Cards Share Price Update

        SBI Cards and Payment Services Ltd. share price moved up by 3.73% from its previous close of Rs 1,088.90. SBI Cards and Payment Services Ltd. stock last traded price is 1,129.50

        Share PriceValue
        Today/Current/Last1,129.50
        Previous Day1,088.90

        Trending in Markets

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