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SBI CARDS AND PAYMENT SERVICES
Intrinsic Value | Fundamental Analysis

BOM : 543066     NSE : SBICARD    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Downward
Pledged Shares : None or < 25%
Sep 27,2022
Price(EOD): ₹ 904.95
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: ₹ 85,363.93 Cr
Value of ₹ 1 Lac invested in SBI CARDS AND PAYMENT SERVICES
on Mar 16,2020 (price: ₹ 683.20)

₹ 1 L

₹ 1.32 L

1W : -8.6% 1M : -4.5% 1Y : -13.8%
COMMUNITY POLL
for SBI CARDS AND PAYMENT SERVICES
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FUNDAMENTAL ANALYSIS OF SBI CARDS AND PAYMENT SERVICES

 
Fundamentals Score
[ Q(TTM): Jun2022, Y: Mar2022
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]

Insights 💡 SBICARD is one of the top 18% companies with good fundamentals ! Discover More →

VALUATION OF SBI CARDS AND PAYMENT SERVICES

 
Valuation Score
[As on : Sep 27,2022 ]

Ratio Standalone
P/E
P/B
P/S
44.04
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 1,938.45 Cr
[Latest Qtr - Jun2022 - Standalone Results ]

11.08
P/B Calculated based on Book Value of Rs 7,704.73 Cr
[Latest Year - Mar2022 - Standalone Results ]

7.48
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Jun2022 - Standalone Results ]

Financial Ratios →

Insights 💡 There are potential 17% undervalued companies ! Discover More →

FAIR VALUE OF SBI CARDS AND PAYMENT SERVICES

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
801%
-4%

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SHARE PRICE MOMENTUM OF SBI CARDS AND PAYMENT SERVICES



SBI CARDS AND PAYMENT SERVICES vs SENSEX


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DEBT OF SBI CARDS AND PAYMENT SERVICES

Year Debt/Equity ratio
Standalone Consolidated
2022
2021
2020
Avg_3yrs
2.98
2.86
3.3
3.05
-
-
-
-
[Last Annual Data : Mar2022]
Financial Ratios →

PLEDGED PROMOTER SHARES OF SBI CARDS AND PAYMENT SERVICES

Pledged Promoter Shares
0 %
As on : Jun2022

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF SBI CARDS AND PAYMENT SERVICES

Standalone Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
8.77%
11.51%
7.92%
7.93%
31.26%
76%
104.95%
105.81%
QtrlyTrend
8
Latest Qtr: Jun2022
Quarterly Result Analysis →


SBI CARDS AND PAYMENT SERVICES related INDICES

BSE Indices1W1M1Y
S&P BSE 100 -3.6% -3% -1.9%
S&P BSE LARGECAP -3.7% -3.1% -1.3%
S&P BSE 200 -3.7% -2.9% -1.2%
S&P BSE 100 LARGECAP TMC -3.7% -3% -1.8%
S&P BSE LARGE MIDCAP -3.7% -2.9% -1.3%
NSE Indices1W1M1Y
NIFTY 100 -3.6% -3% -2.5%
NIFTY 500 -3.7% -2.7% -1.5%
NIFTY 200 -3.7% -3% -1.9%
NIFTY LARGE MIDCAP 250 -3.8% -2.4% 0.6%
NIFTY500 MULTICAP 50:25:25 -3.9% -2.3% -0.6%

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FAQ about SBI CARDS AND PAYMENT SERVICES


Is SBI CARDS AND PAYMENT SERVICES good for long term investment?

As on Sep 27,2022, the Fundamentals of SBI CARDS AND PAYMENT SERVICES look Strong and hence it may be good for long term investment! See Financial Performance of SBI CARDS AND PAYMENT SERVICES . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is SBI CARDS AND PAYMENT SERVICES UnderValued or OverValued?

As on Sep 27,2022, SBI CARDS AND PAYMENT SERVICES is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of SBI CARDS AND PAYMENT SERVICES ?

As on Sep 27,2022, the Intrinsic Value of SBI CARDS AND PAYMENT SERVICES is Rs. 523.77 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -60.20
Fair Value [Median EV / Sales Model] : Rs. 100.42
Fair Value [Median Price / Sales Model] : Rs. 947.12
Estimated Median Fair Value of SBI CARDS AND PAYMENT SERVICES : Rs. 523.77

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is SBI CARDS AND PAYMENT SERVICES trading at a Premium or Discount?

As on Sep 27,2022, SBI CARDS AND PAYMENT SERVICES is trading at a Premium of 73% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].