SBI Cards and Payment Services Ltd
NSE:SBICARD
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%.
Valuation Backtest
SBI Cards and Payment Services Ltd
Run backtest to discover the historical profit from buying and selling SBICARD stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
SBI Cards Q3 FY'24: Sturdy Growth Amidst Challenges
2024-Q3 Earnings Call
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.
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 |
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
What is Free Cash Flow?
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.
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.
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
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.
Shareholder Return
SBICARD Price
SBI Cards and Payment Services Ltd
Average Annual Return | 6.62% |
Standard Deviation of Annual Returns | 19.97% |
Max Drawdown | -41% |
Market Capitalization | 646.2B INR |
Shares Outstanding | 950 900 992 |
Percentage of Shares Shorted |
N/A
|
Company Profile
Country
Industry
Market Cap
Dividend Yield
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
IPO
Employees
Officers
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%.