SBI CARDS AND PAYMENT SERVICES
Quarterly Results Analysis [Sep2024]
SBI CARDS AND PAYMENT SERVICES Quarterly Results
Standalone | Sep2024 UnAudited |
Jun2024 UnAudited |
Mar2024 UnAudited |
Dec2023 UnAudited |
Sep2023 UnAudited |
Jun2023 UnAudited |
Mar2023 Audited |
Dec2022 UnAudited |
---|---|---|---|---|---|---|---|---|
Revenues | ₹4,421 Cr | ₹4,359 Cr | ₹4,348 Cr | ₹4,622 Cr | ₹4,087 Cr | ₹3,912 Cr | ₹3,762 Cr | ₹3,507 Cr |
Expenses | ₹3,173 Cr | ₹2,867 Cr | ₹2,811 Cr | ₹3,258 Cr | ₹2,760 Cr | ₹2,631 Cr | ₹2,565 Cr | ₹2,467 Cr |
Operating Income | ₹1,248 Cr | ₹1,491 Cr | ₹1,537 Cr | ₹1,364 Cr | ₹1,327 Cr | ₹1,281 Cr | ₹1,198 Cr | ₹1,041 Cr |
Other Income | ₹135 Cr | ₹124 Cr | ₹127 Cr | ₹120 Cr | ₹134 Cr | ₹134 Cr | ₹154 Cr | ₹149 Cr |
Interest | ₹788 Cr | ₹767 Cr | ₹724 Cr | ₹695 Cr | ₹605 Cr | ₹571 Cr | ₹507 Cr | ₹464 Cr |
Depreciation | ₹50 Cr | ₹49 Cr | ₹52 Cr | ₹51 Cr | ₹47 Cr | ₹48 Cr | ₹45 Cr | ₹41 Cr |
Profit Before Tax | ₹545 Cr | ₹799 Cr | ₹888 Cr | ₹738 Cr | ₹809 Cr | ₹797 Cr | ₹800 Cr | ₹684 Cr |
Profit After Tax | ₹404 Cr | ₹594 Cr | ₹662 Cr | ₹549 Cr | ₹603 Cr | ₹593 Cr | ₹596 Cr | ₹509 Cr |
EPS | ₹4.25 | ₹6.25 | ₹6.97 | ₹5.78 | ₹6.37 | ₹6.24 | ₹6.30 | ₹5.39 |
Industry Peers & Returns | 1W | 1M | 1Y |
SBI CARDS AND PAYMENT SERVICES | -4% | -11.6% | -13.2% |
BAJAJ FINANCE | -1.1% | -9.6% | -6.5% |
BAJAJ HOLDINGS & INVESTMENT | 1% | -2.8% | 53.5% |
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY | -8.1% | -20.8% | 10.6% |
SHRIRAM FINANCE | -1.7% | -10.9% | 68.6% |
MUTHOOT FINANCE | 2% | -3.1% | 51.6% |
ADITYA BIRLA CAPITAL | 1.4% | -9.3% | 18.9% |
SUNDARAM FINANCE | 3% | -7.9% | 47.8% |
L&T FINANCE HOLDINGS | 1.3% | -21.2% | 5.3% |
SBI CARDS AND PAYMENT SERVICES Quarterly Revenues
Revenues | |
---|---|
Q-o-Q | 1.43 % |
Y-o-Y | 8.16 % |
Quarters | Revenues | % Change | |
---|---|---|---|
Sep2024 | ₹4,421 Cr | 1.43 | |
Jun2024 | ₹4,359 Cr | 0.25 | |
Mar2024 | ₹4,348 Cr | -5.93 | |
Dec2023 | ₹4,622 Cr | 13.07 | |
Sep2023 | ₹4,087 Cr | 4.49 | |
Jun2023 | ₹3,912 Cr | 3.98 | |
Mar2023 | ₹3,762 Cr | 7.27 | |
Dec2022 | ₹3,507 Cr | - |
SBI CARDS AND PAYMENT SERVICES Quarterly Operating Profit
Operating Profit | |
---|---|
Q-o-Q | -16.29 % |
Y-o-Y | -5.92 % |
Quarters | Operating Profit | % Change | |
---|---|---|---|
Sep2024 | ₹1,248 Cr | -16.29 | |
Jun2024 | ₹1,491 Cr | -2.95 | |
Mar2024 | ₹1,537 Cr | 12.67 | |
Dec2023 | ₹1,364 Cr | 2.78 | |
Sep2023 | ₹1,327 Cr | 3.59 | |
Jun2023 | ₹1,281 Cr | 6.96 | |
Mar2023 | ₹1,198 Cr | 15.08 | |
Dec2022 | ₹1,041 Cr | - |
Operating Margins | |
---|---|
Q-o-Q | -17.48 % |
Y-o-Y | -13.03 % |
Quarters | Operating Margin% | % Change | |
---|---|---|---|
Sep2024 | 28.24% | -17.48 | |
Jun2024 | 34.22% | -3.20 | |
Mar2024 | 35.35% | 19.79 | |
Dec2023 | 29.51% | -9.12 | |
Sep2023 | 32.47% | -0.85 | |
Jun2023 | 32.75% | 2.89 | |
Mar2023 | 31.83% | 7.28 | |
Dec2022 | 29.67% | - |
SBI CARDS AND PAYMENT SERVICES Quarterly Profit After Tax
Profit After Tax(PAT) | |
---|---|
Q-o-Q | -31.97 % |
Y-o-Y | -32.93 % |
Quarters | Profit After Tax | % Change | |
---|---|---|---|
Sep2024 | ₹404 Cr | -31.97 | |
Jun2024 | ₹594 Cr | -10.25 | |
Mar2024 | ₹662 Cr | 20.63 | |
Dec2023 | ₹549 Cr | -8.94 | |
Sep2023 | ₹603 Cr | 1.63 | |
Jun2023 | ₹593 Cr | -0.53 | |
Mar2023 | ₹596 Cr | 17.08 | |
Dec2022 | ₹509 Cr | - |
PAT Margins | |
---|---|
Q-o-Q | -32.92 % |
Y-o-Y | -37.97 % |
Quarters | PAT Margin(%) | % Change | |
---|---|---|---|
Sep2024 | 9.15 % | -32.92 | |
Jun2024 | 13.64 % | -10.44 | |
Mar2024 | 15.23 % | 28.20 | |
Dec2023 | 11.88 % | -19.46 | |
Sep2023 | 14.75 % | -2.77 | |
Jun2023 | 15.17 % | -4.29 | |
Mar2023 | 15.85 % | 9.08 | |
Dec2022 | 14.53 % | - |
SBI CARDS AND PAYMENT SERVICES Quarterly Earnings Per Share (EPS)
EPS | |
---|---|
Q-o-Q | -32.00 % |
Y-o-Y | -33.28 % |
Quarters | EPS | % Change | |
---|---|---|---|
Sep2024 | ₹4.25 | -32.00 | |
Jun2024 | ₹6.25 | -10.33 | |
Mar2024 | ₹6.97 | 20.59 | |
Dec2023 | ₹5.78 | -9.26 | |
Sep2023 | ₹6.37 | 2.08 | |
Jun2023 | ₹6.24 | -0.95 | |
Mar2023 | ₹6.3 | 16.88 | |
Dec2022 | ₹5.39 | - |
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