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SBI Cards and Payment Services Ltd
NSE:SBICARD

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SBI Cards and Payment Services Ltd
NSE:SBICARD
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Price: 682.55 INR -1.44% Market Closed
Updated: Mar 29, 2024

Intrinsic Value

SBI Cards & Payment Services Ltd. provides credit cards and payment solutions. [ Read More ]

The intrinsic value of one SBICARD stock under the Base Case scenario is 1 267.28 INR. Compared to the current market price of 682.55 INR, SBI Cards and Payment Services Ltd is Undervalued by 46%.

Key Points:
SBICARD Intrinsic Value
Base Case
1 267.28 INR
Undervaluation 46%
Intrinsic Value
Price
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Worst Case
Base Case
Best Case

Valuation Backtest
SBI Cards and Payment Services Ltd

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Fundamental Analysis

SBI Cards Q3 FY'24: Sturdy Growth Amidst Challenges
2024-Q3 Earnings Call

SBI Cards Q3 FY'24: Sturdy Growth Amidst Challenges

SBI Cards & Payments Services Limited in Q3 FY'24 reported a robust 30% year-on-year total revenue growth to INR 4,742 crore, with an 8% rise in profit after tax reaching INR 549 crore. Despite industry-wide increasing delinquencies for unsecured exposures, the company's cost of funds rose to 7.6%, expected to grow further due to RBI's tightened lending regulations. Their capital adequacy ratio remains strong at 18.4%, well above the regulatory guideline. Looking ahead, SBI Cards will continue to refine their strategies to navigate the evolving regulatory landscape.

Financials

Balance Sheet Decomposition
SBI Cards and Payment Services Ltd

Current Assets 18B
Cash & Short-Term Investments 14.8B
Receivables 3.2B
Non-Current Assets 485.9B
Long-Term Investments 28.9B
PP&E 4.2B
Intangibles 1.2B
Other Non-Current Assets 451.6B
Current Liabilities 16.1B
Accounts Payable 15.9B
Other Current Liabilities 203.6m
Non-Current Liabilities 377.2B
Long-Term Debt 340.8B
Other Non-Current Liabilities 36.4B
Efficiency

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

Free Cash Flow Analysis
SBI Cards and Payment Services Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
History
Components
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Table
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Fundamental Scores

SBICARD Profitability Score
Profitability Due Diligence

SBI Cards and Payment Services Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive 3-Year Average ROE
Positive Operating Income
Exceptional 3-Years Revenue Growth
58/100
Profitability
Score

SBI Cards and Payment Services Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.

SBICARD Solvency Score
Solvency Due Diligence

SBI Cards and Payment Services Ltd's solvency score is 37/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
Short-Term Solvency
Low Altman Z-Score
High D/E
37/100
Solvency
Score

SBI Cards and Payment Services Ltd's solvency score is 37/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

SBICARD Price Targets Summary
SBI Cards and Payment Services Ltd

Wall Street analysts forecast SBICARD stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for SBICARD is 792.09 INR with a low forecast of 626.2 INR and a high forecast of 1 039.5 INR.

Lowest
Price Target
626.2 INR
8% Downside
Average
Price Target
792.09 INR
16% Upside
Highest
Price Target
1 039.5 INR
52% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Shareholder Return

SBICARD Price
SBI Cards and Payment Services Ltd

1M 1M
-5%
6M 6M
-14%
1Y 1Y
-5%
3Y 3Y
-27%
5Y 5Y
+1%
10Y 10Y
+1%
Annual Price Range
682.55
52w Low
682.55
52w High
927.7
Price Metrics
Average Annual Return 6.62%
Standard Deviation of Annual Returns 19.97%
Max Drawdown -41%
Shares Statistics
Market Capitalization 646.2B INR
Shares Outstanding 950 900 992
Percentage of Shares Shorted
N/A

SBICARD Return Decomposition
Main factors of price return

What is price return decomposition?

Company Profile

SBI Cards and Payment Services Ltd

Country

India

Industry

Financial Services

Market Cap

646.2B INR

Dividend Yield

0.36%

Description

SBI Cards & Payment Services Ltd. provides credit cards and payment solutions. The company is headquartered in Gurgaon, Haryana and currently employs 3,774 full-time employees. The company went IPO on 2020-03-16. The firm provides credit card services. The firm offers a wide range of credit cards to individual cardholders and corporate clients, which includes lifestyle, rewards, travel & fuel, shopping, banking partnership cards and corporate cards. The firm also offers payment products and services in the form of corporate and credit cards with incentive and rewards programs.

Contact

HARYANA
Gurgaon
2nd Floor, Tower-B, Infinity Towers,, DLF Cyber City, Block 2 Building 3, DLF Phase 2,
https://www.sbicard.com/en/who-we-are/about-us.page

IPO

2020-03-16

Employees

3 774

Officers

Chief Information & Digital Officer and Executive VP
Mr. Pradeep K. Singh Khurana
Executive VP and Chief Sales & Marketing Officer
Mr. Girish Budhiraja
Executive VP & Head of Customer Services
Mr. Manish Dewan
Executive Vice President
Ms. Rinku Sharma
Executive VP & Head of Banca Channel
Mr. Vishal Singh
Executive VP & Head of Operations
Mr. Monish Vohra
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Executive VP & Head of Collections
Ms. Anu Choudhary Gupta
Executive VP & Chief Credit Officer
Ms. Nandini Malhotra
Senior VP & Chief Information Security Officer
Mr. Dhananjay Khanna
MD, CEO & Director
Mr. Abhijit Chakravorty
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See Also

Discover More
What is the Intrinsic Value of one SBICARD stock?

The intrinsic value of one SBICARD stock under the Base Case scenario is 1 267.28 INR.

Is SBICARD stock undervalued or overvalued?

Compared to the current market price of 682.55 INR, SBI Cards and Payment Services Ltd is Undervalued by 46%.