BSE: SBICARD - SBI Cards and Payment Services Limited

Yield per half year: +3.59%
Dividend yield: +0.64%
Sector: Financials

Reporting SBI Cards and Payment Services Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Выручка, млрд ₹	73.24	75.92	86.37	106.78	127.51	127.51
Чистая прибыль, млрд ₹	12.45	9.85	16.16	22.58	24.08	24.08
EV, млрд ₹	720.78	1 062.01	1 043.48	997.22	1 044.79	1 044.79
Баланс стоимость, млрд ₹	53.41	63.02	77.53	98.3	120.84	120.84
FCF, млрд ₹	-41.45	6.35	-44.91	-67.64	-55.26	-55.26
Операционный денежный поток, млрд ₹	-40.63	6.92	-43.91	-66.71	-54.52	-54.52
CAPEX, млрд ₹	0.7792	0.5695	0.9992	0.934	0.7449	0.7449

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд ₹		26.24	27.97	28.43	30.07	30.82	31.75	34.94	29.99	35.69	36.2
Чистая прибыль, млрд ₹		6.27	5.27	5.09	5.96	5.93	6.03	5.49	6.62	5.94	4.04
EV, млрд ₹	1 043.48		1 133.44		1 002.6		1 074.78		1 044.79		1 150.41
Баланс стоимость, млрд ₹	77.53		89.19		98.3		110.58		120.84		130.9

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	5.51	6.72	7.85	13.54	23.94	23.94
Long term investments ₹	0.0146	9.58	14.01	25.56
Total Receivables ₹	229.51	236.21	304.25
Total Current Assets ₹	239.06	246.48	319.18	408.63		408.63
Чистые активы, млрд ₹	2.44	2.19	3.24
Активы, млрд ₹	253.03	270.13	346.48	455.46	581.71	581.71
Задолженность, млрд ₹	199.62	207.11	268.96	357.16	460.87	460.87
Чистый долг, млрд ₹	166.37	172.23	221.97	297.55	374.97	374.97
Interest income ₹	48.45	49.51	48.75	61.56
Расходы на обслуживание долга ₹	12.38	9.77	10.26	16.44	25.89	25.89
Чист. проц. доходы, млрд ₹	36.07	39.73	38.48	45.12	79.44	61.56

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹	7.85		10.36		8.17		14.78		23.94		17.52
Long term investments ₹	14.01		19.15		23.39		28.87
Total Receivables ₹			368.89
Total Current Assets ₹			379.24
Чистые активы, млрд ₹			3.26
Активы, млрд ₹	346.48		415.81		455.46		503.88		581.71		618.72
Задолженность, млрд ₹	268.96		326.62		357.16		393.3		460.87		487.83
Чистый долг, млрд ₹	221.97		271.51		302.93		326.06		374.97		414.66
Interest income ₹	12.75	13.87	14.84	16.09	16.72	18.04	19.02	20.82
Расходы на обслуживание долга ₹		3.08	3.68	4.64	5.07	5.71	6.05	6.95	7.18	7.67	7.88
Чист. проц. доходы, млрд ₹	10.08	10.79	11.17	11.45	11.65	12.33	12.97	13.87	21.56	22.43

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.8904	10.38	17.14	23.87	25.32		25.32
Цена акции ао	850.75	928	794.95	759.85	664.1	828.8	828.8
Число акций ао, млн	938.96	940.53	943.17	946.07	950.97		950.97
FCF/акцию	-44.14	6.76	-47.62	-71.49	-58.11		-58.11

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	5 quarters average	CAGR 5
EPS			6.11	6.6	5.53	5.36	6.3	6.24	6.37	5.78	6.97	4.25
Цена акции ао	1033.91	1022.56	844.88	776.48	908.74	823.9	748.92	845.75	839.63	764.8

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	23.31	15.62	23	25.69	21.98		21.98	13.90
ROA, %	4.92	3.64	5.24	5.63	4.64		4.64	2.81
ROS, %	17	12.97	18.71	21.15	18.88	18.88	18.88	59.51
ROCE, %						0	0	2.58
Ebit margin, %						0	0
Рентаб EBITDA, %						0	0	10.51
Чистая рентаб, %	17	12.97	18.71	21.15	18.88		18.88	59.51
Operation Margin, %				0	0	0	0	13.65

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %	7.49		5.9		8.52		7.63		7.38		4.09	13.90
ROA, %	1.68		1.27		2.62		1.26		1.22		0.6738	2.81
ROS, %		23.89	18.83	17.92	19.84	19.25	18.99	15.71	22.09	16.66	11.17	59.51
Чистая рентаб, %		23.89	18.83	17.92	19.84	19.25	18.99	15.71	22.09	16.66	11.17	59.51

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	44.54	90.38	50.83	30.98	27.82		27.82	29.43
P/BV	10.38	14.12	10.6	7.12	5.54		5.54	3.11
P/S	7.57	11.72	9.51	6.55	5.25		5.25	12.16
P/FCF				0	0	0	0	5.80
E/P				0	0	0	0	0.10
EV/EBIT					0	0	0
EV/S	9.84	13.99	12.08	9.34	8.19	8.19	8.19	8.38
EV/FCF	-17.39	167.15	-23.23	-14.74	-18.91	-18.91	-18.91	-6.20
Debt/EBITDA				0	0	0	0	1.02
Netdebt/Ebitda				0	0	0	0	0.86
Debt/Ratio				0	0	0	0	0.24
Debt/Equity				0	0	0	0	238.79
Debt/Net Income				0	0	0	0	12.31
Бета				-0.4921	1.72	-2.51	-2.51	0.91
Индекс Альтмана				0.3168	0.2772	0.2772	0.2772	1.07

	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	141.43	77.82	62.21	43.32	35.86	32.37		29.43
P/BV	10.6	9.66	7.12	6.77	5.54	5.62		3.11
P/S	73.81	22.04	12.04	8.33	7.27	5.73		12.16
EV/S				33.85	34.84	31.78		8.38
Бета							-2.51	0.91
Индекс Альтмана							0.2772	1.07

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.01	1.01	0.9383	2.13	3.63		3.63
Дивиденд		1		2.5	2.5	5	5
Див доход, ао, %		0.1375	0.0994	0.2998	0.6583	0.5928	0.6421	1.40
Дивиденды / прибыль, %		8.11	9.53	13.17	9.42	15.06	15.06	17.81

	2020Q2	2022Q1	2023Q1	Industry average	5 quarters average	CAGR 5
Дивиденд	1	2.5	2.5
Див доход, ао, %	0.1745	0.2959	0.3338	1.40

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	3907	3907

	CAGR 5

	CAGR 5