SBI Cards And Payment Services Ltd.
Snapshot View

742.75 +19.25 ▲2.7%

20 May 2022, 04:01:00 PM
Volume: 22,227

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance - NBFC Compare with Industry peers
Website http://www.sbicard.com
Market Cap 69,935.08 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 17.13 Trailing Twelve Months Ending 2022-03
Price-Earning Ratio (PE) 43.27 Trailing Twelve Months Ending 2022-03
Industry PE 40.49 Trailing Twelve Months Ending 2022-03
Book Value / Share 82.20 Trailing Twelve Months Ending 2022-03
Price to Book Value 9.02 Calculated using Price: 741.45
Dividend Yield 0.34 Period Ending 2021-03
No. of Shares Subscribed 94.32 Cr. 943,220,489 Shares
FaceValue 10
Company Profile

SBI Card was launched in October 1998 by the State Bank of India and GE Capital. Incorporated as SBI Cards and Payment Services Private Limited (SBICPSL), SBI Card is headquartered in Gurgaon, Haryana.

In December 2017, State Bank of India and The Carlyle Group acquired GE Capital’s stake in SBI Card, post which SBI held 74% while Carlyle held 26% in the Company. The legal name of SBI Card was changed on August 20, 2019, from SBI Cards and Payment Services Private Limited to SBI Cards and Payment Services Limited, on account of its conversion from a ‘Private Limited’ company to a ‘Public Limited’ company. In March 2020, SBI Card became the first pure play credit card company to list on the stock exchanges in India. The company is the second largest credit card provider in the country, with huge card base. It also has offices in many cities in India.

Business area of the company

The company is engaged in the business of issuing credit cards to consumers in India. It offers Indian consumers access to a wide range of world-class, value-added payment products and services.

Products

The company’s product portfolio includes premium, classic, travel and shopping, exclusive and corporate cards, to cater to both individual and corporate needs.

Awards

  • 2013: Awarded VISA Recognition, ‘Best Issuing Institution’ for excellence in Fraud Risk Management, 2013.
  • 2014: Awarded ‘AISA Outsourcing Excellence Award: Excellence in Customer Service’ as part of CMO Asia Awards 2014.
  • 2015: Awarded ‘Gartner Global Eye on Innovation Award 2015.’
  • 2016: Awarded VISA Recognition ‘Champion Security Award’ South East Asia for Excellence in Fraud Risk Management- 2016.
  • 2017: Awarded ‘Best Data Quality Awards-Consumer Bureau Category- NBFC’, 2017 by Transunion CIBIL.
  • 2018: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2018’ under Customer Loyalty Awards.
  • 2018: Awarded ‘Corporate Excellence Gold Award for Compliance Innovation’ as a part of SKOCH Summit 2018.
  • 2018: Awarded ‘Learning Innovator Award’ as part of GP Strategies Awards, 2018.
  • 2019: Awarded ‘Best Loyalty Program in Financial Sector: Non-Banking - 2019’ under Customer Loyalty Awards.
  • 2019: Awarded ‘Gold Winner: Customer Service Department of the Year; as part of Golden Bridge Awards, 2019.
  • 2019: Awarded ‘Best Data Quality- Consumer Bureau amongst NBFCs 2019’ as part of Data Quality Awards 2019.
  • 2020: Awarded in the category of ‘Analytics/Big Data’ as part of the DELL Technologies BFSI Technology Conclave, 2020.

Milestones

  • 1998: SBI Card enters the credit card space
  • 1999: SBI Card reaches the 1 lakh mark
  • 2002: SBI Card enters the ‘1 Million Cards’ club
  • 2002: SBI Card enters into its first partnership with a public sector bank
  • 2003: SBI Card launches Affinity Cards in 8 cities
  • 2005: SBI Card crosses 2 million card base
  • 2006: SBI Card launches co-branded cards with Indian Railways
  • 2006: SBI Card launches co-branded cards with SpiceJet and Tata
  • 2006: SBI Card becomes the second largest credit card issuer
  • 2010: SBI Card launches the SBI Platinum Card
  • 2011: SBI Card launches chip based EMV cards
  • 2012: SBI Card launches SBI Signature Card for HNIs
  • 2013: SBI Card launches Air India co-branded cards
  • 2014: SBI Card launches Fbb SBI ‘STYLEUP’ Card’
  • 2014: SBI Card enters the ‘3 Million Cards’ Club
  • 2015: SBI Card launches the SimplySAVE SBI Card
  • 2015: SBI Card launches SimplyCLICK
  • 2016: SBI Card launches SBI Card ELITE
  • 2016: SBI Card enters the ‘4 Million Cards’ Club
  • 2017: SBI Card launches Central SELECT SBI Cards
  • 2017: SBI Card launches SBI Card PRIME and SBI Card Unnati
  • 2017: SBI Card enters 5 million cards club
  • 2017: SBI Card launches BPCL SBI Card
  • 2018: SBI Card enters 6 million cards club
  • 2018: SBI Card launches Doctor's SBI Card
  • 2018: SBI Card launches virtual assistant ‘ELA’
  • 2018: Apollo SBI Card launched
  • 2018: SBI Card crosses 7 million customer base
  • 2019: Etihad Guest SBI Card launched
  • 2019: Ola Money SBI Card Launched
  • 2019: SBI Card enters 9 million cards club
  • 2019: SBI Card enters into a network partnership with Rupay network
  • 2019: SBI Card launches Club Vistara SBI Card PRIME and Club Vistara SBI Card
  • 2019: SBI Card enters 10 million cards club
  • 2020: SBI Card launches Lifestyle HC SBI Card, Max SBI Card and Spar SBI Card with Landmark Group
  • 2020: SBI Card becomes first pure play credit card issuer to list on BSE and NSE

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
+2.66%
1 Week
+3.83%
1 Month
-6.54%
3 Month
-10.15%
6 Month
-27.84%
1 Year
-28.22%
2 Year
+38.34%
5 Year
10 Year
9 years 2013-03 2014-03 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03
Return on Equity (%) 35.43 48.89 31.16 26.77 28.64 32.43 30.08 28.24 17.00
Return on Capital Employed (%) 12.92 15.95 13.09 15.24 20.22 19.42 15.17 15.13 10.01
Return on Assets (%) 4.67 6.91 4.78 4.07 4.05 4.58 4.86 5.53 3.81

Balance Sheet View Details

Particulars 10 years 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03* Rs. Cr.
Shh. Funds 453 746 966 1,155 1,449 2,353 3,588 5,341 6,302 7,753
Non Curr. Liab. 241 417 173 296 434 1,683 3,167 4,596 4,928 23,141
Curr. Liab. 2,794 3,827 5,019 6,339 8,753 11,561 13,228 15,095 15,388 3,537
Minority Int.
Equity & Liab. 3,488 4,989 6,158 7,790 10,636 15,598 19,983 25,032 26,618 34,430
Non Curr. Assets 390 796 538 594 56 430 291 384 712 31,654
Curr. Assets 3,098 4,193 5,620 7,196 10,580 15,168 19,692 24,648 25,906 2,776
Misc. Exp. not W/O
Total Assets 3,488 4,989 6,158 7,790 10,636 15,598 19,983 25,032 26,618 34,430

Profit Loss View Details

Particulars 10 years 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. TTM
Net Sales 1,007 1,437 1,820 2,387 3,346 5,187 6,999 9,276 9,277 10,678
Other Income 53 74 86 106 125 183 288 476 436 624
Total Income 1,059 1,510 1,905 2,493 3,471 5,370 7,287 9,752 9,714 11,302
Total Expenditure -711 -912 -1,256 -1,521 -1,768 -3,066 -4,887 -6,618 -7,223 -7,954
PBIDT 348 599 649 972 1,703 2,305 2,400 3,134 2,490 3,348
Interest -212 -305 -378 -533 -1,127 -1,361 -1,009 -1,301 -1,043 -1,027
Depreciation -1 -1 -1 -1 -5 -24 -55 -104 -123 -149
Taxation 1 -4 -154 -199 -318 -470 -485 -339 -556
Exceptional Items
PAT 136 293 267 284 373 601 865 1,245 985 1,616
Adjusted EPS 2 4 3 4 5 8 10 13 10 17

Cash Flow View Details

Particulars 6 years 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Cash Fr. Operatn. -1,158 -2,235 -2,877 -2,327 -4,063 692
Cash Fr. Inv. 1 -1 -31 -76 -77 -997
Cash Fr. Finan. 1,141 2,244 2,935 2,824 3,923 432
Net Change -17 9 26 422 -218 127
Cash & Cash Eqvt 274 283 473 734 516 643

Shareholding Pattern View Details

9 Qtrs 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%)
Promoter 69.55 69.53 69.46 69.40 69.40 69.50 69.37 69.47 69.59
Public 30.45 30.47 30.54 30.60 30.60 30.50 30.63 30.53 30.41
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Fri, 20 May 2022
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Disclosure under Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015 - Schedule of Investors/Analysts Meet
Fri, 20 May 2022
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Intimation of allotment of 23000 Equity shares pursuant to exercise of Employee stock Options under the SBI Card - Employee Stock Option Plan 2019
Wed, 18 May 2022
Compliances-Reg.24(A)-Annual Secretarial Compliance
Annual Secretarial Compliance Report for the year ended March 31 2022 as per Regulation 24A of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 ("Listing Regulations")

Technical Scans View Details

Fri, 20 May 2022
Closing Above Previous High Closing Above Previous High
Close Within 52 Week Low Zone Close Within 52 Week Low Zone
High Decrease 1 Month High Decrease 1 Month
High Decrease 3 Months High Decrease 3 Months
High Decrease 6 Months High Decrease 6 Months

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