SBI CARDS AND PAYMENT SERVICES
|
SBI CARDS AND PAYMENT SERVICES Last 5 Year Financial Ratios History
[Standalone]
| Mar2024 | Mar2023 | Mar2022 | Mar2021 | Mar2020 | |
|---|---|---|---|---|---|
| Operational & Financial Ratios | |||||
| Earnings Per Share (Rs) | 25.32 | 23.87 | 17.14 | 10.47 | 13.26 |
| CEPS(Rs) | 27.39 | 25.60 | 18.71 | 11.78 | 14.36 |
| DPS(Rs) | 2.50 | 2.50 | 2.50 | - | 1.00 |
| Book NAV/Share(Rs) | 126.94 | 103.48 | 81.69 | 66.54 | 56.69 |
| Tax Rate(%) | 25.49 | 25.48 | 25.60 | 25.63 | 28.03 |
| Margin Ratios | |||||
| Core EBITDA Margin(%) | 36.69 | 35.56 | 24.76 | 26.14 | 32.84 |
| EBIT Margin(%) | 38.57 | 38.89 | 34.42 | 29.30 | 36.85 |
| Pre Tax Margin(%) | 19.05 | 22.17 | 20.34 | 14.24 | 18.65 |
| PAT Margin (%) | 14.19 | 16.53 | 15.14 | 10.59 | 13.42 |
| Cash Profit Margin (%) | 15.35 | 17.72 | 16.53 | 11.92 | 14.54 |
| Performance Ratios | |||||
| ROA(%) | 4.67 | 5.67 | 5.29 | 3.81 | 5.53 |
| ROE(%) | 22.03 | 25.82 | 23.15 | 17.00 | 28.24 |
| ROCE(%) | 14.09 | 14.83 | 13.38 | 11.56 | 17.07 |
| Asset Turnover(x) | 0.33 | 0.34 | 0.35 | 0.36 | 0.41 |
| Sales/Fixed Asset(x) | 15.00 | 14.39 | 14.95 | 17.29 | 24.96 |
| Working Capital/Sales(x) | 1.01 | 0.88 | 0.75 | 0.90 | 0.97 |
| Efficiency Ratios | |||||
| Fixed Capital/Sales(x) | 0.07 | 0.07 | 0.07 | 0.06 | 0.04 |
| Receivable days | 4.14 | 4.15 | 4.27 | 2.67 | 4.00 |
| Inventory Days | - | - | - | - | - |
| Payable days | - | - | - | - | - |
| Valuation Parameters | |||||
| PER(x) | 26.95 | 30.98 | 49.71 | 88.78 | 46.65 |
| PCE(x) | 24.92 | 28.88 | 45.52 | 78.90 | 43.06 |
| Price/Book(x) | 5.38 | 7.15 | 10.43 | 13.97 | 10.91 |
| Yield(%) | 0.37 | 0.34 | 0.29 | - | 0.16 |
| EV/Net Sales(x) | 6.01 | 7.30 | 9.57 | 11.25 | 8.08 |
| EV/Core EBITDA(x) | 15.14 | 18.20 | 26.73 | 36.73 | 21.28 |
| EV/EBIT(x) | 15.60 | 18.76 | 27.81 | 38.40 | 21.93 |
| EV/CE(x) | 1.96 | 2.44 | 2.97 | 3.93 | 2.99 |
| M Cap / Sales | 3.82 | 5.12 | 7.52 | 9.40 | 6.26 |
| Growth Ratio | |||||
| Net Sales Growth(%) | 24.16 | 28.00 | 14.85 | 0.22 | 32.54 |
| Core EBITDA Growth(%) | 23.05 | 43.26 | 34.31 | -19.16 | 30.51 |
| EBIT Growth(%) | 23.14 | 44.60 | 34.94 | -20.31 | 29.31 |
| PAT Growth(%) | 6.62 | 39.74 | 64.16 | -20.91 | 43.92 |
| EPS Growth(%) | 6.07 | 39.32 | 63.69 | -21.04 | 28.32 |
| Financial Stability Ratios | |||||
| Total Debt/Equity(x) | 3.30 | 3.18 | 2.98 | 2.86 | 3.30 |
| Current Ratio(x) | 1.44 | 1.56 | 1.74 | 1.66 | 1.63 |
| Quick Ratio(x) | 1.44 | 1.56 | 1.74 | 1.66 | 1.63 |
| Interest Cover(x) | 1.98 | 2.33 | 2.44 | 1.95 | 2.02 |
| Total Debt/Mcap(x) | 0.61 | 0.44 | 0.29 | 0.20 | 0.30 |
Compare Financial Ratios of peers of SBI CARDS AND PAYMENT SERVICES
| Peers & Returns | Market Capitalization | 1 Week | 1 Month | 1 Year | ||
| SBI CARDS AND PAYMENT SERVICES | ₹74,090.3 Cr | 3.3% | 10.8% | 8.7% | Stock Analytics | |
| BAJAJ FINANCE | ₹488,880.0 Cr | 8.1% | 6.7% | 15.9% | Stock Analytics | |
| BAJAJ HOLDINGS & INVESTMENT | ₹128,517.0 Cr | 3.2% | -2.9% | 35.7% | Stock Analytics | |
| CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY | ₹108,061.0 Cr | 9.4% | 1.1% | 5.4% | Stock Analytics | |
| SHRIRAM FINANCE | ₹102,250.0 Cr | 6.3% | -11.2% | 9.7% | Stock Analytics | |
| MUTHOOT FINANCE | ₹90,608.4 Cr | 5.7% | 0% | 58.5% | Stock Analytics | |
SBI CARDS AND PAYMENT SERVICES Share Price vs Sensex
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| SBI CARDS AND PAYMENT SERVICES | 3.3% |
10.8% |
8.7% |
| SENSEX | 1.7% |
-1.3% |
7.7% |
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