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SBI CARDS AND PAYMENT SERVICES
Intrinsic Value | Fundamental Analysis

Returns | 1W : -1.3% , 1M : 8.7%,1Y : 79.5%
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 : Downward
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
May 14,2021
Price(EOD): Rs. 969.20
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
MarketCap: Rs. 91,192.03 Cr
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Check out Industry Peers

Peers & Returns1W1M1Y
SBI CARDS AND PAYMENT SERVICES -1.3% 8.7% 79.5%
BAJAJ FINANCE -3% 18.1% 158.7%
MUTHOOT FINANCE -3.6% 0.8% 43.3%
BAJAJ HOLDINGS & INVESTMENT -0.7% 6.6% 83.1%
CHOLAMANDALAM INVESTMENT & FINANCE COMPANY -7.5% 3% 247.9%
ADITYA BIRLA CAPITAL 4.7% 6.9% 180.5%
SHRIRAM TRANSPORT FINANCE COMPANY 2.3% 1.8% 106.3%
MAHINDRA & MAHINDRA FINANCIAL SERVICES -2.2% -11.6% 53.7%
SUNDARAM FINANCE -3.7% -2.4% 99.8%


FUNDAMENTAL ANALYSIS OF SBI CARDS AND PAYMENT SERVICES

 
Fundamentals Score
[Last Annual Data : Mar2020 | TTM
Trailing Twelve Months (TTM) is calculated using last 4 quarterly data and is a good substitute to track Annual results.
Learn More
]
Show Me the Stocks with Fundamentals better than SBI CARDS AND PAYMENT SERVICES Premium


VALUATION OF SBI CARDS AND PAYMENT SERVICES

 
Valuation Score
Ratio Standalone
P/E
P/B
P/S
73.09
P/E Calculated based on EPS of 13.26
[ Mar2020 - Standalone Results ]

17.1
P/B Calculated based on Book Value of 56.69
[ Mar2020 - Standalone Results ]

9.62
P/S Calculated based on Revenues of 9477.96 Cr
[ TTM - Standalone Results ]

Show Me the Stocks with Valuation better than SBI CARDS AND PAYMENT SERVICES Premium


FAIR VALUE OF SBI CARDS AND PAYMENT SERVICES

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
91%
NA (-ve EV)
54%

SHARE PRICE MOMENTUM OF SBI CARDS AND PAYMENT SERVICES

DEBT

Year Debt/Equity ratio
Standalone Consolidated
2020
2019
2018
Avg_3yrs
3.26
3.88
5.05
4.06
-
-
-
-
[Last Annual Data : Mar2020]

PLEDGED SHARES

Pledged Shares
0 %
As on : Mar2021

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad

QTRLY RESULTS

Standalone Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
-3.93%
-19.55%
-17.14%
-16.33%
-5.12%
-11.39%
109.12%
109.96%
QtrlyTrend
-4
Latest Qtr: Mar2021

SBI CARDS AND PAYMENT SERVICES related INDICES

BSE Indices1W1M1Y
S&P BSE ALLCAP -0.7% 4% 68.7%
S&P BSE 500 -0.7% 3.8% 67.2%
S&P BSE LARGE MIDCAP -0.7% 3.4% 63%
S&P BSE 200 -0.8% 3.5% 64.2%
S&P BSE 100 LARGECAP TMC -0.8% 3.2% 60.5%
S&P BSE 250 LARGEMIDCAP -0.8% 3.5% 64.6%
S&P BSE LARGECAP -0.8% 3.3% 60.3%
S&P BSE MOMENTUM -0.9% 4.7% 40.8%
S&P BSE FINANCE -2% 4.9% 67.1%
NSE Indices1W1M1Y
NIFTY 100 EQUAL WEIGHT 0% 6% 71.5%
NIFTY NEXT 50 -0.1% 6.2% 56.7%
NIFTY 500 -0.7% 3.7% 66.7%
NIFTY LARGE MIDCAP 250 -0.8% 4% 74.5%
NIFTY 200 -0.8% 3.4% 63.1%
NIFTY 100 -0.9% 3.1% 59.4%

FAQ [Frequently Asked Questions]


Is SBICARD good for long term investment?

As on 14-May-2021, the Fundamentals of SBICARD are Strong and hence it's 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 SBICARD UnderValued or OverValued?

As on 14-May-2021, SBICARD is Over Valued and hence NOT a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of SBICARD ?

As on 14-May-2021, the Intrinsic Value of SBICARD is Rs. 568.96 determined based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 507.33
Fair Value [Median EV / Sales Model] : Rs. -181.23
Fair Value [Median Price / Sales Model] : Rs. 630.59
Median Fair Value of SBICARD : Rs. 568.96

Is SBICARD trading at a Premium or Discount?

As on 14-May-2021, SBICARD is trading at a Premium of 70% based on the Median Intrinsic Value!

Is it right time to buy SBICARD shares?

As on 14-May-2021, SBICARD is Over Valued and hence NOT a good buying opportunity according to Share Valuation at this time!

What is the Financial Performance of Industry Peers of SBICARD?

Check out Financials of Industry Peers using below links:
Financials of BAJAJ FINANCE LTD
Financials of MUTHOOT FINANCE LTD
Financials of BAJAJ HOLDINGS & INVESTMENT LTD
Financials of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY LTD
Financials of ADITYA BIRLA CAPITAL LTD
Financials of SHRIRAM TRANSPORT FINANCE COMPANY LTD
Financials of MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
Financials of SUNDARAM FINANCE LTD
Financials of MANAPPURAM FINANCE LTD
Financials of L&T FINANCE HOLDINGS LTD

What are the Frequent Comparisons with SBICARD?

SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs MUTHOOT FINANCE LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs BAJAJ HOLDINGS & INVESTMENT LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs CHOLAMANDALAM INVESTMENT & FINANCE COMPANY LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs ADITYA BIRLA CAPITAL LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs SHRIRAM TRANSPORT FINANCE COMPANY LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs SUNDARAM FINANCE LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs MANAPPURAM FINANCE LTD
SBI CARDS AND PAYMENT SERVICES LTD vs BAJAJ FINANCE LTD vs L&T FINANCE HOLDINGS LTD

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Disclosure

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


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