SBI Cards and Payment Services Limited

NSE

SBICARD

Stock

Yield per half year: +22.6%
Dividend yield: 0.5929%
Sector: Financials

Reporting SBI Cards and Payment Services Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹					690.23	961.11	797.45	759.85		796.74	802.16	2.43
Выручка, млрд ₹	23.92	28.19	44.8	60.15	73.24	75.92	86.37	112.67	110.93	110.93	91.83	8.66
Чистая прибыль, млрд ₹	2.84	3.73	6.01	8.63	12.45	9.85	16.16	22.58	24.08	24.08	17.02	14.10
EV, млрд ₹				128.94	724.16	1 071.69	1 052.27	1 000	644.4	644.4	898.50	-2.31
EBIT, млрд ₹	8.46	-11.37	-19.26	-34.49	-47.19	-55.9	-53.86	-59.51	58.66	58.66	-31.5600	-204.45
EBITDA, млрд ₹	8.47	11.05	16.3	13.35	17.3	13.24	21.72	30.31	60.62	60.62	28.64	28.50
OIBDA, млрд ₹					33.11	15.4	25.8	36.39	114.18	114.18	44.98	28.09
Баланс стоимость, млрд ₹	11.55	14.49	23.53	35.82	53.41	63.02	77.53	98.3	120.84	120.84	82.62	17.74
FCF, млрд ₹	8.07	-22.36	-29.13	-24.58	-41.45	6.35	-44.91	-67.64	-55.26	-55.26	-40.5820	5.92
Операционный денежный поток, млрд ₹	8.07	-22.35	-28.77	-23.65	-40.67	6.92	-43.91	-66.71	-54.52	-54.52	-39.7780	6.04
Операционная прибыль, млрд ₹	8.46	11	16.05	12.54	16.26	12	20.24	28.67	77.63	77.63	30.96	36.70
Операционные расходы, млрд ₹	9.42	18.37	29.34	37.89	39.6	40.28	47.12	60.77	33.3	33.3	44.21	-3.41
CAPEX, млрд ₹	0.000469	0.0155	0.3553	0.9283	0.7792	0.5695	0.9992	0.934	0.7449	0.7449	0.8054	-0.90

	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹											787.91		970.85				783.77				726.46					817.25	-2.01
Выручка, млрд ₹																27.97	28.43	30.07	30.82	31.76	34.94	44.75	44.83	36.2	37.94	39.73	1.66
Чистая прибыль, млрд ₹																5.27	5.09	5.96	5.93	6.03	5.49	6.62	5.94	4.04	3.83	5.18	-6.95
EV, млрд ₹														1 029.74		1 105.47	1 039.63	979.74	1 120.59	1 073.75	1 090.6	1 041.69	1 074.81	1 150.89		1086.35	1.40
EBIT, млрд ₹															8.02	6.68	6.84	8	7.49	15.51	7.38	18.33	19	17.57		15.56	2.53
EBITDA, млрд ₹															8.41	7.07	7.25	8.45	7.97	15.98	7.88	18.84	19.49	18.08		16.05	2.50
OIBDA, млрд ₹																					9.77	30.54	32.55	31.6		26.12	34.11
Баланс стоимость, млрд ₹															83.73	89.19	94.59	98.3	104.24	110.58	116.53	120.84	120.84	130.9		119.94	3.43
FCF, млрд ₹									-10.36	-10.36		0.3018		0.2279		0.7716	0.8206	0.1411	0.9512	0.936	1.02					0.7738	4.45
Операционный денежный поток, млрд ₹									-10.17	-10.17		0.3018		0.2279		0.7716	0.8206	0.1411	0.9512	0.936	1.02					0.7738	4.45
Операционная прибыль, млрд ₹																7.07	6.84	8	7.49	8.09	7.38	18.33	19	17.57	18.31	16.12	19.93
Операционные расходы, млрд ₹																15.06	16.25	15.77	15.67	16.24	18.74	16.1	16.69	36.2	19.64	21.47	0.94
CAPEX, млрд ₹	0.0888	0.1351	0.1351	0.347	0.347	0.2321	0.1948	0.1948	0.1948	0.1948																0.2023	-3.44

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	2.74	1.77	5.37	7.57	5.51	6.72	7.85	13.54	23.94	23.94	11.51	34.15
Short Term Investments ₹			1.8	-0.2301	-0.3493	-0.2904	0.2683	3.65	3.36	3.36	1.33	-257.26
Long term investments ₹		0.0000	0.0000	0.0157	0.0146	11.79	15.11	25.56			10.50	338.87
Total Receivables ₹	69.16	1.32	1.55	2.95	2.34	1.34	5.85	1.42	2.43	2.43	2.68	0.76
Total Current Assets ₹	2.74	3.1	6.91	7.34	5.16	6.43	7.58	9.9	27.3	27.3	11.27	39.54
Чистые активы, млрд ₹		0.0361	1.1	1.36	2.44	2.19	3.24	98.3		3.24	21.51	135.40
Активы, млрд ₹	78.8	107.65	156.86	202.4	253.03	270.13	346.48	455.46	581.71	581.71	381.36	18.12
Short Term Debt ₹	55.88	77.49	97.24	103.86	143.66	132.67	166.9	228.97	398.91	398.91	214.22	22.66
Задолженность, млрд ₹	67.25	93.16	133.33	166.58	199.62	207.11	268.96	357.16	460.87	460.87	298.74	18.22
Чистый долг, млрд ₹	56.54	80.91	108.76	128.94	168.14	173.96	225	297.55	-23.94	-23.94	168.14	-167.72
Долг, млрд ₹				136.51	173.65	180.68	232.85	311.1	398.91	398.91	259.44	18.10
Interest income ₹		18.88	27.68	35.94	48.45	49.28	48.66	61.53			48.77	11.35
Расходы на обслуживание долга ₹		5.28	6.86	8.84	12.38	9.77	10.26	16.48	25.89	25.89	14.96	15.90
Чист. проц. доходы, млрд ₹		13.6	20.82	27.09	36.07	38.84	38.39	45.05	79.27	61.53	47.52	17.06
Goodwill ₹		1.29	0.8801	1.63	2.75	3.95	2.19	2.47			2.60	8.67
Амортизация, млрд ₹	0.0084	22.42	35.56	47.85	64.48	69.13	75.58	89.81	1.97	1.97	60.19	-50.23
Себестоимость, млрд ₹	6.03	6.86	7.87	12.51	14.07	15.1	19.2	24.94	-16.59	-16.59	11.34	-203.35
Товарно материальные запасы ₹		100.8	139.26	174.62	223.79	15.5	18.75	24.47		24.47	91.43	-32.50

	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹												10.53	10.36	7.85	13.54	12.28	14.78	23.96	27.3	28.11	17.52		22.33	3.46
Short Term Investments ₹											-0.2683				-3.65				54.59				16.89	-688.16
Long term investments ₹	0.00047		0.0146		0.0146	0.3953	11.79		11.03		15.11		19.15		25.56		28.87						19.94	21.22
Total Receivables ₹							1.34	3.44	3.44	5.85	5.85		3.89		1.42		3.23		2.43		4.78		3.15	4.21
Total Current Assets ₹						9.13	8.06	10.72	7.27	13.7	7.58		10.36		9.9		18		27.3				14.63	29.21
Чистые активы, млрд ₹		2.44	2.44	2.44	2.44	2.26	2.19		2.28		3.24		3.26		98.3								21.85	114.00
Активы, млрд ₹												368.57	415.81	429.87	455.46	479.16	503.88	555.76	581.71	595.13	618.72		571.04	4.19
Short Term Debt ₹															228.97				300.65				264.81	14.59
Задолженность, млрд ₹												284.84	326.62	335.28	357.16	374.92	393.3	439.23	460.87	-120.84	487.83		332.08	4.40
Чистый долг, млрд ₹												237.39	271.51	286.18	297.55	317.29	326.06	356.13	371.61	380.54	414.66		369.80	4.92
Долг, млрд ₹											232.85		281.86	294.03	311.1	329.57	340.83	380.09	398.91	408.65	432.18		392.13	4.86
Interest income ₹									11.73	12.73	12.66	13.87	14.84	16.09	16.72	18.04	19.02	20.82					18.14	5.29
Расходы на обслуживание долга ₹													3.68	4.64	5.07	5.71	6.05	6.95	7.24	7.67	7.88	8.29	7.61	3.59
Чист. проц. доходы, млрд ₹											9.99	10.79	11.17	11.45	11.65	12.33	12.97	13.87	21.39	22.43			16.60	12.71
Амортизация, млрд ₹													0.3858	0.4103	0.4506	0.4756	0.468	0.5078	0.5163	0.4937	0.5035	0.4876	0.5018	-0.81
Себестоимость, млрд ₹												6.78	6.95	8.55	9.55	10.11	10.93	12.98	10.32	9.63	9.86		10.74	-2.04
Товарно материальные запасы ₹											6.89				24.47								15.68	88.45

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS		9.25	7.39	9.94	17.02	23.8	25.37		25.37	16.70	27.98
Цена акции ао			851.05	928.15	795.5	759.65	663.85	1007	1007	830.83	1.64
Число акций ао, млн	932.52	932.33	948.69	947.84	949.3	949	949.2		949.2	948.81	0.01
FCF/акцию	-31.23	-26.36	-43.69	6.7	-47.31	-71.27	-58.22		-58.22	-42.7580	5.91

	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS							5.53	5.36	6.28	6.24	6.35	5.78	6.96	6.25	4.25	4.03			5.45	-6.96
Цена акции ао					844.98	776.59	908.79	824.6	748.95	845.94	839.58	764.73					868.6	1007	865.17	3.55
Число акций ао, млн	932.52	932.33	948.69	947.84				950.49				949.97							945.86	0.38
FCF/акцию	-7.54	-11.11						0.8633	0.1486	1	0.9857	1.07							0.8135	4.39

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	24.58	25.74	25.55	24.09	23.31	15.62	23	25.69	21.98		21.98	16.86	21.92	-1.17
ROA, %	3.6	3.46	3.83	4.26	4.92	3.64	5.24	5.63	4.64		4.64	4.25	4.81	-1.17
ROIC, %					5.9	4.91	5.89	6.4			6.4	9.97	5.78	2.05
ROS, %		13.23	13.42	14.34	17	12.97	18.71	20.05	21.71	21.71	21.71	55.32	19.03	10.85
ROCE, %		-78.5	-81.85	-96.31	-88.34	-88.7	-16.06	-13.48	10.35	48.54	48.54	8.56	-11.8700	-188.64
Ebit margin, %					-48.03	-73.63	-62.36	-52.82	52.88	52.88	52.88		-16.6100	-193.59
Рентаб EBITDA, %		39.2	36.38	22.2	23.62	17.44	25.15	26.9	54.65	54.65	54.65	61.72	35.76	25.66
Чистая рентаб, %	11.87	13.23	13.42	14.34	17	12.97	18.71	20.05	21.71		21.71	55.32	18.09	5.01
Operation Margin, %		39.03	35.83	20.85	22.2	15.81	23.43	25.44	69.98	69.98	69.98	56.13	40.93	34.65
Доходность FCF, %					-6	0.6611	-5.63	-8.9					-4.9672	10.36

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	7.49	5.9	5.39	6.07	5.69	6.08	5.25	6.01	5.16	3.38			16.86	5.18	-11.08
ROA, %	1.7	1.27	1.19	1.31	1.24	1.23	1.04	1.16	1.01	0.6663			4.25	1.02	-11.54
ROS, %			17.92	19.84	19.25	18.99	15.71	14.8	13.26	11.17	10.1	21.71	55.32	14.21	7.96
ROCE, %		7.49	7.23	8.13	7.19	3.37	1.5	3.51	3.45	3.01		48.54	8.56	12.00	100.45
Ebit margin, %						48.84	21.11	40.95	42.38	48.54		52.88		41.17	20.16
Рентаб EBITDA, %		25.27	25.52	28.1	25.84	50.31	22.56	42.11	43.48	49.93		54.65	61.72	42.55	19.36
Чистая рентаб, %		18.83	17.92	19.84	19.25	18.99	15.71	14.8	13.26	11.17	10.1		55.32	13.01	-8.46
Operation Margin, %			24.07	26.6	24.3	25.49	21.11	40.95	42.38	48.54	48.25	69.98	56.13	50.02	11.31
Доходность FCF, %			0.1047				0.1398							0.1222	15.55

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				55.45	97.62	51.19	31.1	27.76		27.76	36.28	52.62	-12.92
P/BV				12.92	15.25	10.67	7.15	5.53		5.53	3.47	10.30	-15.61
P/S				9.42	12.66	9.58	6.23	6.03		6.03	11.12	8.78	-8.54
P/FCF				-16.65	151.27	-17.76	-11.23	-14.42	-14.42	-14.42	9.16	18.69	-162.49
E/P				0.018	0.0102	0.0203	0.0297	0.0302	0.0302	0.0302	0.14	0.0241	24.25
EV/EBIT				-20.59	-19.17	-19.54	-16.8	10.99	10.99	10.99		-6.7060	-189.47
EV/EBITDA			5.61	23.58	44.2	48.44	33	10.63		10.63	38.04	31.97	-14.73
EV/S				9.89	14.12	12.18	8.88	5.81	5.81	5.81	13.61	9.36	-16.27
EV/FCF				-17.47	168.69	-23.43	-14.78	-11.66	-11.66	-11.66	11.74	21.43	-158.60
Debt/EBITDA			5.94	5.65	7.45	10.72	10.27	6.58	6.58	6.58	17.17	8.32	-2.45
Netdebt/Ebitda	7.32	6.67	9.66	9.72	13.14	10.36	9.82	-0.3948	-0.3948	-0.3948	-0.25	6.51	-149.61
Debt/Ratio				0.6863	0.6689	0.672	0.683	0.6858	0.6858	0.6858	0.30	0.6791	0.50
Debt/Equity				3.25	2.87	3	3.16	3.3	3.81	3.81	3.05	3.23	5.83
Debt/Net Income				13.95	18.35	14.41	13.77	16.57	16.57	16.57	13.96	15.93	-2.02
PEG									-3.61	-3.61		-3.6100	0.00
Бета						0.41	-0.409	1.6	1.84	1.84	1.20	0.8602	45.55
Индекс Альтмана				3.87	4.77	3.29	2.59	1.91	1.98	1.98	1.01	2.91	-16.13

	2020Q4	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E				39.25	153.84	30.22	36.09	32.5	31.37	27.8	28.81	33.29	31.15			36.28	30.48	-0.14
P/BV			10.38	9.35	8.29	6.94	7.71	6.76	6.3	5.55	0.9697	5.62				3.47	5.04	-3.63
P/S				8.86	27.57	6.06	6.85	6.18	5.76	4.7	4.44	4.58	3.89			11.12	4.67	-7.55
P/FCF					955.12				715.3						-14.42	9.16	552.00	-124.72
E/P	0.0027	0.004			0.0065				0.0076						0.0302	0.14	0.0102	62.08
EV/EBIT								69.23	147.86	56.84	56.57	65.49			10.99		67.55	-40.54
EV/EBITDA			30.77	26.7	34.06	31.43	140.68	22.7	22.75	17.86	17.28	17.9				38.04	19.70	-4.64
EV/S							36.36	33.81	31.21	23.28	23.98	31.79			5.81	13.61	23.21	-28.55
EV/FCF							1178.08	1147.17	1073.84						-11.66	11.74	846.86	-131.54
Debt/EBITDA				26.24	40.54	36.83	41.37	21.33	48.21	21.17	20.97	23.91			6.58	17.17	24.17	-32.85
Netdebt/Ebitda				38.42	39.45	35.22	39.83	20.41	45.17	19.72	19.52	22.94			-0.3948	-0.25	21.39	-138.75
Debt/Ratio							0.6878	0.6764	0.6839	0.6858	0.6867	0.6985			0.6858	0.30	0.6881	0.06
Debt/Equity							3.16	3.08	3.26	3.3	3.38	3.3			3.81	3.05	3.41	3.17
Debt/Net Income							55.55	56.52	69.22	60.22	68.74	106.86			16.57	13.96	64.32	-24.87
PEG															-3.61		-3.6100	0.00
Бета														-2.77	1.84	1.20	-0.4650	-181.50
Индекс Альтмана														1.98	1.98	1.01	1.98	0.00

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.471	0.9448	0.9448	0.9448	1.01	1.01	0.9383	2.13	3.63			3.63		1.74	29.16
Дивиденд						1		2.5	2.5	5		2.5		2.75	49.53
Див доход, ао, %						0.1374	0.0994	0.2999	0.659	0.5929		0.5929	1.35	0.3577	33.97
Дивиденды / прибыль, %		33.28	25.34	15.72	11.7	8.11	9.53	13.17	9.42	15.06		15.06	18.71	11.06	13.18
Dividend Coverage Ratio											6.64	6.64		6.64	0.00

	2016Q4	2017Q1	2017Q2	2017Q4	2018Q1	2018Q2	2019Q4	2020Q1	2020Q2	2020Q3	2022Q1	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.2362	0.2362	0.2362	0.2362	0.2362	0.2362	0.2523	0.2523	0.2523	0.2523					0.2491	1.33
Дивиденд									1		2.5	2.5			2.00	35.72
Див доход, ао, %									0.1744		0.2959	0.3338		1.35	0.2680	24.16
Дивиденды / прибыль, %	16.53	16.53	16.53	10.28	10.28	12.54	5.81	30.2	6.42	12.24				18.71	13.44	-0.48
Dividend Coverage Ratio													6.64		6.64	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	1.06	0.7501	1.16	0.829	0.6715	0.6715	-8.73
Персонал, чел			3 774	3 774	3 907		1.16

	CAGR 5

	CAGR 5