Add To Watchlist
Share URL
About The Company
Description
SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India.
Read More
Overview
Value
4
Growth
34
Health
78
Management
39
Analyst Opinion
89
Total
49
All Scores Out Of 100
Best Features
- Earnings growth has improved recently
- Has strong financial health
- Liked by analysts
- Low preportion of income is paid as dividend
Risk Factors
- Overvalued on cashflow basis
- Income is not covering expenditure and investment
- There is a history of diluting shareholders
- Has a high level of debt
- No margin of safety at their current market price
- Poor earnings and cashflow growth
- Price-to-earnings ratio of 37.9 is higher than the market average (19.6x)
Market Peers
SBICARD.NS
Key Figures
PE Ratio (TTM)
37.86
Margin Of Safety (DCF)
-96.36%
Revenue Growth (5 Year Average)
5.79%
Ratings Consensus
Strong Buy
Share Buybacks
-0.15%
Dividend Yeild (TTM)
0.12%
Valuation
Value Score
4
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Buy Target: < 14.1 INR ✘
Current Price: 905.7 INR
Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.
Price/Earnings
37.86x
Free Cashflow Yeild
-4.84%
PE/Earnings Growth
27.84
Price/Book
8.72x
Growth
Growth Score
34
- ✔ Revenue growth has improved this yeara
- ✔ Earnings growth has improved this year
- ✘ 5 Year Average Revenue growth of 5.79% is lower than the market average (10.97%)
- ✘ 5 Year Average Earnings growth of 10.24% is lower than the market average (14.48%)
- ✘ 5 Year Average Free Cashflow growth of N/A is lower than the market average (12.35%)
- ✘ Free Cashflow growth has slowed this year
Revenue Growth
5.79%
Earnings Growth
10.24%
Cashflow Growth
N/A
Health
Health Score
78
Altman Z Score
N/A
Piostroski Score
N/A
Debt/Equity
2.67x
Current Assets/Liabilities
12.41x
Free Cashflow/Total Debt
N/Ax
Debt/Capital
17.20x
Dividend
Secure Dividend Score
58
- ✔ Dividend is likely safe
- ✔ Long term dividend payout ratio of 8.70% is considered good
- ✔ Payout ratio (TTM) of 4.47% is lower than the average (40%)
- ✔ Dividends have shown growth over the last 5 years
- ✔ Spending a lower percentage of their income on dividends than last 5 years
- ✘ Dividend yeild of 0.12% is less than the market average (1.85%)
Dividend Yeild
0.12%
Dividend Growth
N/A
Payout Ratio (Earnings)
4.47%
Payout Ratio (Cashflow)
-2.44%
Management
Management Score
39
Average Buybacks/Dilution
-0.15%
Recent Buybacks/Dilution
0.65%
5 Year Price Volitility
15.97%
Return On Assets
0.87%
Return On Capital Employed
2.49%
Return On Equity
3.59%
Return On Free Cashflow
-20.36%
Return On Investments
N/A
Analysts
Analyst Opinion
89
- ✔ Ratings consensus is Strong Buy
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
Other Information
Company Name
SBI Cards and Payment Services Limited
Currency
INR
Beta
0.512793
Vol Avg
1235808
Ceo
Cik
Cusip
Y7T35P100
Exchange
National Stock Exchange of India
Full Time Employees
3774
Industry
Credit Services
Sector
Financial Services
Ipo Date
2020-03-16
Address
State Bank Of India, Local Head Office, 11 Parliament Street
City
Gurgaon
State
HARYANA
Country
IN
Zip
122002
Phone
All financial data provided by FMP