SBI Cards and Payment Services Limited
NSE:SBICARD.NS
786.95 (INR) • At close September 20, 2024
Overview | Financials
Numbers are in millions (except for per share data and ratios) INR.
| 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 44,825.9 | 44,745.7 | 34,944 | 31,755.3 | 30,823 | 30,066.8 | 28,426.1 | 27,966.3 | 26,238.3 | 11,130.6 | 28,621.1 | 24,413.3 | 22,202.2 | 21,630.3 | 22,788.392 | 22,485.541 | 19,209.718 | 21,755.422 | 22,179.834 | 20,564.379 | 20,023.357 | 17,354.042 | 16,098.533 | 13,536.18 | 13,536.18 |
| Cost of Revenue
| 9,629.4 | 10,321.2 | 12,979.8 | 10,926.7 | 10,113.7 | 9,549.5 | 8,545.7 | 6,952.7 | 6,781.7 | 6,084.8 | 3,137.5 | 2,939.3 | 2,616.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit
| 35,196.5 | 34,424.5 | 21,964.2 | 20,828.6 | 20,709.3 | 20,517.3 | 19,880.4 | 21,013.6 | 19,456.6 | 5,045.8 | 25,483.6 | 21,474 | 19,585.7 | 21,630.3 | 22,788.392 | 22,485.541 | 19,209.718 | 21,755.422 | 22,179.834 | 20,564.379 | 20,023.357 | 17,354.042 | 16,098.533 | 13,536.18 | 13,536.18 |
| Gross Profit Ratio
| 0.785 | 0.769 | 0.629 | 0.656 | 0.672 | 0.682 | 0.699 | 0.751 | 0.742 | 0.453 | 0.89 | 0.88 | 0.882 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & Administrative Expenses
| 0 | 0 | 0 | 0 | 0 | 3,513.2 | 0 | 0 | 0 | 2,947.6 | 0 | 0 | 0 | 83.91 | 4.863 | 0 | 62.675 | 165.521 | 18.534 | 15.145 | 0 | 58.702 | 58.702 | 12.225 | 12.225 |
| Selling & Marketing Expenses
| 0 | 0 | 0 | 0 | 0 | 23,190.5 | 0 | 0 | 0 | 18,508 | 0 | 0 | 0 | 14,801.6 | 1,311.789 | 0 | 1,120.876 | 15,887.6 | 1,186.069 | 1,042.298 | 0 | 2,207.89 | 2,207.89 | 3,549.455 | 3,549.455 |
| SG&A
| 0 | 1,322.3 | 1,443.7 | 1,478.4 | 1,452.6 | 26,703.7 | 1,421.4 | 1,290.1 | 1,386.1 | 21,455.6 | 1,209.2 | 1,147.3 | 1,164 | 39,304.106 | 1,316.652 | 1,227.2 | 1,183.551 | 31,008.238 | 1,204.603 | 1,057.443 | 1,044.316 | 5,614.63 | 5,614.63 | 6,981.41 | 6,981.41 |
| Other Expenses
| -16,198.5 | -16,098.9 | -18,231.2 | -15,775.3 | -15,196.1 | -15,321.9 | -15,842.1 | -15,064 | 12,935.1 | 4,443.2 | 17,181.1 | 13,833 | 11,662.4 | 12,854 | 13,476.943 | 11,086.379 | 9,073.834 | 12,252.685 | 0 | 12,254.754 | 10,729.168 | 9,987.783 | 0 | 0 | 0 |
| Operating Expenses
| 16,692.2 | 16,098.9 | 18,739 | 16,243.3 | 15,671.7 | 15,772.5 | 16,252.4 | 15,064 | 12,935.1 | 4,443.2 | 17,181.1 | 13,833 | 11,662.4 | 12,854 | 13,476.943 | 11,086.379 | 9,073.834 | 12,252.685 | 12,585.114 | 12,254.754 | 10,729.168 | 9,987.783 | 12,322.495 | 10,636.8 | 10,636.8 |
| Operating Income
| 18,998 | 18,325.6 | 7,375.9 | 8,094 | 7,490 | 7,996.7 | 6,843.3 | 7,066.5 | 8,409.2 | 7,400.4 | 4,815.8 | 4,243.2 | 6,393.1 | 4,780.6 | 5,438.087 | 5,423.596 | 8,029.006 | 4,465.073 | 5,832.085 | 8,211.355 | 8,344.798 | 6,576.76 | 3,702.115 | 3,004.145 | 3,004.145 |
| Operating Income Ratio
| 0.424 | 0.41 | 0.211 | 0.255 | 0.243 | 0.266 | 0.241 | 0.253 | 0.32 | 0.665 | 0.168 | 0.174 | 0.288 | 0.221 | 0.239 | 0.241 | 0.418 | 0.205 | 0.263 | 0.399 | 0.417 | 0.379 | 0.23 | 0.222 | 0.222 |
| Total Other Income Expenses Net
| -11,006.3 | -9,444 | -8,829.1 | 0.1 | 7,965.6 | -6,297.6 | -5,330.4 | -10 | 8,409.2 | 7,792.2 | 5,185.2 | 4,641.2 | -2,290.1 | -2,436.6 | -2,609.329 | -2,641.737 | -2,746.305 | -3,344.21 | 0 | -3,193.444 | -3,019.371 | -2,727.758 | 73.923 | -104.765 | -104.765 |
| Income Before Tax
| 7,991.7 | 8,881.6 | 7,375.9 | 8,094.1 | 7,965.7 | 7,996.7 | 6,843.3 | 7,056.5 | 8,409.2 | 7,792.2 | 5,185.2 | 4,641.2 | 4,103 | 2,344 | 2,828.758 | 2,781.859 | 5,282.701 | 1,120.863 | 5,832.085 | 5,017.911 | 5,325.427 | 3,849.002 | 3,776.038 | 2,899.38 | 2,899.38 |
| Income Before Tax Ratio
| 0.178 | 0.198 | 0.211 | 0.255 | 0.258 | 0.266 | 0.241 | 0.252 | 0.32 | 0.7 | 0.181 | 0.19 | 0.185 | 0.108 | 0.124 | 0.124 | 0.275 | 0.052 | 0.263 | 0.244 | 0.266 | 0.222 | 0.235 | 0.214 | 0.214 |
| Income Tax Expense
| 2,047.2 | 2,257.9 | 1,885.1 | 2,064.2 | 2,032.5 | 2,032 | 1,748.7 | 1,800.1 | 2,140.1 | 1,983.6 | 1,327.4 | 1,192.2 | 1,056.9 | 589.8 | 732.17 | 720.365 | 1,349.777 | 285.416 | 1,485.421 | 1,207.843 | 1,869.453 | 1,361.638 | 1,334.258 | 1,016.33 | 1,016.33 |
| Net Income
| 5,944.5 | 6,623.9 | 5,490.8 | 6,029.8 | 5,933.1 | 5,964.7 | 5,094.6 | 5,266.4 | 6,269.1 | 5,808.6 | 3,857.8 | 3,449 | 3,046.1 | 1,754.2 | 2,096.588 | 2,061.494 | 3,932.924 | 835.447 | 4,346.664 | 3,810.068 | 3,455.974 | 2,487.364 | 2,441.78 | 1,883.05 | 1,883.05 |
| Net Income Ratio
| 0.133 | 0.148 | 0.157 | 0.19 | 0.192 | 0.198 | 0.179 | 0.188 | 0.239 | 0.522 | 0.135 | 0.141 | 0.137 | 0.081 | 0.092 | 0.092 | 0.205 | 0.038 | 0.196 | 0.185 | 0.173 | 0.143 | 0.152 | 0.139 | 0.139 |
| EPS
| 6.25 | 6.97 | 5.78 | 6.37 | 6.27 | 6.3 | 5.39 | 5.58 | 6.65 | 6.16 | 4.1 | 3.67 | 3.24 | 1.87 | 2.23 | 2.2 | 4.19 | 0.89 | 4.66 | 4.09 | 3.71 | 2.67 | 2.62 | 2.1 | 2.1 |
| EPS Diluted
| 6.25 | 6.96 | 5.78 | 6.35 | 6.24 | 6.28 | 5.36 | 5.53 | 6.6 | 6.11 | 4.07 | 3.63 | 3.21 | 1.85 | 2.21 | 2.17 | 4.15 | 0.89 | 4.66 | 4.09 | 3.71 | 2.67 | 2.62 | 2.1 | 2.1 |
| EBITDA
| 19,491.7 | 18,841.9 | 7,883.7 | 8,562 | 7,965.6 | 8,447.3 | 7,253.6 | 7,066.5 | 8,409.2 | 7,792.2 | 5,185.2 | 4,641.2 | 6,719.5 | 5,121.7 | 5,749.975 | 5,724.177 | 8,308.062 | 4,751.822 | 6,097.614 | 8,403.873 | 8,637.985 | 6,741.295 | 73.923 | -104.765 | -104.765 |
| EBITDA Ratio
| 0.435 | 0.421 | 0.226 | 0.27 | 0.258 | 0.281 | 0.255 | 0.253 | 0.32 | 0.7 | 0.181 | 0.19 | 0.303 | 0.237 | 0.252 | 0.255 | 0.432 | 0.218 | 0.275 | 0.409 | 0.431 | 0.388 | 0.005 | -0.008 | -0.008 |