SBI Cards and Payment Services Ltd
NSE:SBICARD
Income Statement
Earnings Waterfall
SBI Cards and Payment Services Ltd
Revenue
|
163.8B
INR
|
Cost of Revenue
|
-17.9B
INR
|
Gross Profit
|
145.9B
INR
|
Operating Expenses
|
-96.1B
INR
|
Operating Income
|
49.8B
INR
|
Other Expenses
|
-26.4B
INR
|
Net Income
|
23.4B
INR
|
Income Statement
SBI Cards and Payment Services Ltd
Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||
Revenue |
87 584
N/A
|
92 764
+6%
|
93 603
+1%
|
94 779
+1%
|
94 020
-1%
|
92 775
-1%
|
94 872
+2%
|
96 500
+2%
|
101 363
+5%
|
106 773
+5%
|
114 163
+7%
|
121 371
+6%
|
127 548
+5%
|
136 666
+7%
|
144 782
+6%
|
152 685
+5%
|
163 831
+7%
|
|
Gross Profit | ||||||||||||||||||
Cost of Revenue |
0
|
0
|
0
|
0
|
0
|
(6 067)
|
0
|
0
|
0
|
(10 226)
|
(13 533)
|
(16 422)
|
(19 915)
|
(13 715)
|
(14 336)
|
(15 856)
|
(17 881)
|
|
Gross Profit |
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
86 708
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
96 546
N/A
|
45 973
-52%
|
76 054
+65%
|
107 633
+42%
|
122 951
+14%
|
130 446
+6%
|
136 829
+5%
|
145 950
+7%
|
|
Operating Income | ||||||||||||||||||
Operating Expenses |
(59 897)
|
(57 619)
|
(65 667)
|
(69 839)
|
(73 451)
|
(59 714)
|
(76 576)
|
(77 118)
|
(80 593)
|
(65 732)
|
(70 505)
|
(71 643)
|
(69 790)
|
(76 509)
|
(87 388)
|
(90 137)
|
(96 122)
|
|
Selling, General & Administrative |
(12 626)
|
(37 088)
|
(12 704)
|
(12 884)
|
(13 010)
|
(30 047)
|
(4 960)
|
(4 885)
|
(4 782)
|
(34 092)
|
(4 949)
|
(5 092)
|
(5 304)
|
(42 693)
|
(5 685)
|
(5 874)
|
(5 896)
|
|
Depreciation & Amortization |
(982)
|
(1 038)
|
(1 036)
|
(1 144)
|
(1 190)
|
(1 233)
|
(1 280)
|
(1 377)
|
(1 435)
|
(1 486)
|
(1 551)
|
(1 539)
|
(1 580)
|
(1 638)
|
(1 722)
|
(1 805)
|
(1 902)
|
|
Other Operating Expenses |
(46 287)
|
(19 492)
|
(51 927)
|
(55 811)
|
(59 251)
|
(28 435)
|
(70 337)
|
(70 855)
|
(74 376)
|
(30 154)
|
(64 005)
|
(65 012)
|
(62 906)
|
(32 178)
|
(79 980)
|
(82 459)
|
(88 324)
|
|
Operating Income |
27 687
N/A
|
35 145
+27%
|
27 936
-21%
|
24 940
-11%
|
20 569
-18%
|
26 994
+31%
|
18 296
-32%
|
19 383
+6%
|
20 769
+7%
|
30 815
+48%
|
30 125
-2%
|
33 306
+11%
|
37 843
+14%
|
46 442
+23%
|
43 058
-7%
|
46 692
+8%
|
49 828
+7%
|
|
Pre-Tax Income | ||||||||||||||||||
Interest Income Expense |
(11 657)
|
(12 965)
|
(12 736)
|
(12 184)
|
(11 341)
|
(10 847)
|
(10 609)
|
(10 509)
|
(10 675)
|
(9 822)
|
(11 075)
|
(12 211)
|
(14 078)
|
(15 357)
|
(19 103)
|
(21 477)
|
(23 789)
|
|
Non-Reccuring Items |
0
|
(4 890)
|
0
|
0
|
0
|
(2 970)
|
(474)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Gain/Loss on Disposition of Assets |
0
|
(2)
|
0
|
0
|
0
|
(2)
|
0
|
0
|
0
|
(6)
|
0
|
0
|
0
|
2
|
0
|
0
|
0
|
|
Total Other Income |
3 988
|
8
|
2 043
|
2 249
|
2 774
|
62
|
4 844
|
5 043
|
6 179
|
735
|
6 978
|
7 348
|
6 336
|
(781)
|
5 907
|
5 685
|
5 394
|
|
Pre-Tax Income |
20 016
N/A
|
17 296
-14%
|
17 243
0%
|
15 007
-13%
|
12 004
-20%
|
13 237
+10%
|
12 058
-9%
|
13 917
+15%
|
16 273
+17%
|
21 722
+33%
|
26 028
+20%
|
28 443
+9%
|
30 101
+6%
|
30 306
+1%
|
29 862
-1%
|
30 900
+3%
|
31 432
+2%
|
|
Net Income | ||||||||||||||||||
Tax Provision |
(5 921)
|
(4 848)
|
(4 316)
|
(3 828)
|
(3 075)
|
(3 392)
|
(3 099)
|
(3 571)
|
(4 166)
|
(5 560)
|
(6 643)
|
(7 251)
|
(7 673)
|
(7 721)
|
(7 613)
|
(7 878)
|
(8 014)
|
|
Income from Continuing Operations |
14 095
|
12 448
|
12 926
|
11 177
|
8 927
|
9 845
|
8 958
|
10 346
|
12 107
|
16 161
|
19 385
|
21 192
|
22 429
|
22 585
|
22 249
|
23 022
|
23 418
|
|
Net Income (Common) |
14 095
N/A
|
12 448
-12%
|
12 926
+4%
|
11 177
-14%
|
8 927
-20%
|
9 845
+10%
|
8 958
-9%
|
10 346
+15%
|
12 107
+17%
|
16 161
+33%
|
19 385
+20%
|
21 192
+9%
|
22 429
+6%
|
22 585
+1%
|
22 249
-1%
|
23 022
+3%
|
23 418
+2%
|
|
EPS (Diluted) |
15.09
N/A
|
13.21
-12%
|
13.62
+3%
|
11.76
-14%
|
9.41
-20%
|
10.38
+10%
|
9.44
-9%
|
10.9
+15%
|
12.76
+17%
|
17.02
+33%
|
20.4
+20%
|
22.28
+9%
|
23.59
+6%
|
23.8
+1%
|
23.41
-2%
|
24.23
+4%
|
24.65
+2%
|