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Financials Ratios
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SBI Cards And Payment Services Ltd.
BSE CODE: 543066   |   NSE CODE: SBICARD   |   ISIN CODE : INE018E01016   |   15-Sep-2025 Hrs IST
BSE NSE
Rs. 899.95
43.7 ( 5.1% )
 
Prev Close ( Rs.)
856.25
Open ( Rs.)
853.45
 
High ( Rs.)
902.00
Low ( Rs.)
846.30
 
Volume
184029
Week Avg.Volume
62090
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 900.05
43.9 ( 5.13% )
 
Prev Close ( Rs.)
856.15
Open ( Rs.)
854.40
 
High ( Rs.)
902.00
Low ( Rs.)
846.55
 
Volume
3503837
Week Avg.Volume
1379416
 
52 WK High-Low Range(Rs.)
659.8
1027.25
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)20.14  25.32  23.87  17.14  10.47  
   CEPS(Rs)21.69  27.39  25.60  18.71  11.78  
   DPS(Rs)2.50  2.50  2.50  2.50  0.00  
   Book NAV/Share(Rs)144.70  126.94  103.48  81.69  66.54  
   Tax Rate(%)25.74  25.49  25.48  25.60  25.63  
Margin Ratios          
   Core EBITDA Margin(%)33.79  36.69  35.56  24.76  26.14  
   EBIT Margin(%)36.10  38.57  38.89  34.42  29.30  
   Pre Tax Margin(%)14.28  19.05  22.17  20.34  14.24  
   PAT Margin (%)10.60  14.19  16.53  15.14  10.59  
   Cash Profit Margin (%)11.42  15.35  17.72  16.53  11.92  
Performance Ratios          
   ROA(%)3.12  4.67  5.67  5.29  3.81  
   ROE(%)14.83  22.03  25.82  23.15  17.00  
   ROCE(%)11.79  14.09  14.83  13.38  11.56  
   Asset Turnover(x)0.29  0.33  0.34  0.35  0.36  
   Sales/Fixed Asset(x)16.19  15.00  14.39  14.95  17.29  
   Working Capital/Sales(x)-0.47  -0.52  -0.57  -0.67  -0.71  
Efficiency Ratios          
   Fixed Capital/Sales(x)0.06  0.07  0.07  0.07  0.06  
   Receivable days4.83  4.14  4.15  4.27  2.67  
   Inventory Days0.00  0.00  0.00  0.00  0.00  
   Payable days0  0  0  0  0  
Valuation Parameters          
   PER(x)43.79  26.95  30.98  49.71  88.78  
   PCE(x)40.68  24.92  28.88  45.52  78.90  
   Price/Book(x)6.10  5.38  7.15  10.43  13.97  
   Yield(%)0.28  0.37  0.34  0.29  0.00  
   EV/Net Sales(x)6.98  6.01  7.30  9.57  11.25  
   EV/Core EBITDA(x)18.91  15.14  18.20  26.73  36.73  
   EV/EBIT(x)19.33  15.60  18.76  27.81  38.40  
   EV/CE(x)2.15  1.96  2.44  3.33  4.32  
   M Cap / Sales4.64  3.82  5.12  7.52  9.40  
Growth Ratio          
   Net Sales Growth(%)6.51  24.16  28.00  14.85  0.22  
   Core EBITDA Growth(%)-1.04  23.05  43.26  34.31  -19.16  
   EBIT Growth(%)-0.31  23.14  44.60  34.94  -20.31  
   PAT Growth(%)-20.41  6.62  39.74  64.16  -20.91  
   EPS Growth(%)-20.44  6.07  39.32  63.69  -21.04  
Financial Stability Ratios          
   Total Debt/Equity(x)3.27  3.30  3.18  2.98  2.86  
   Current Ratio(x)0.15  0.15  0.14  0.17  0.16  
   Quick Ratio(x)0.15  0.15  0.14  0.17  0.16  
   Interest Cover(x)1.65  1.98  2.33  2.44  1.95  
   Total Debt/Mcap(x)0.54  0.61  0.44  0.29  0.20