| Key Financial Ratios of SBI Cards & Payment Services (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
20.15 |
25.39 |
23.92 |
17.16 |
10.48 |
|
| Diluted EPS (Rs.) |
20.14 |
25.37 |
23.80 |
17.02 |
10.38 |
|
| Cash EPS (Rs.) |
21.69 |
27.39 |
25.60 |
18.71 |
11.78 |
|
| Book Value [ExclRevalReserve]/Share (Rs.) |
144.86 |
127.07 |
103.90 |
82.20 |
67.01 |
|
| Book Value [InclRevalReserve]/Share (Rs.) |
144.86 |
127.07 |
103.90 |
82.20 |
67.01 |
|
| Dividend / Share(Rs.) |
2.50 |
2.50 |
2.50 |
2.50 |
1.00 |
|
| Revenue from Operations/Share (Rs.) |
189.96 |
178.43 |
144.46 |
113.21 |
98.64 |
|
| PBDIT/Share (Rs.) |
62.08 |
63.34 |
51.18 |
35.50 |
26.48 |
|
| PBIT/Share (Rs.) |
60.54 |
61.27 |
49.45 |
33.92 |
25.17 |
|
| PBT/Share (Rs.) |
27.13 |
33.98 |
32.03 |
23.03 |
14.07 |
|
| Net Profit/Share (Rs.) |
20.14 |
25.32 |
23.87 |
17.14 |
10.47 |
|
| Profitability Ratios |
|
|
|
|
|
|
| PBDIT Margin (%) |
32.67 |
35.49 |
35.42 |
31.35 |
26.84 |
|
| PBIT Margin (%) |
31.86 |
34.34 |
34.23 |
29.96 |
25.51 |
|
| PBT Margin (%) |
14.27 |
19.04 |
22.17 |
20.34 |
14.26 |
|
| Net Profit Margin (%) |
10.60 |
14.19 |
16.52 |
15.13 |
10.61 |
|
| Return on Networth / Equity (%) |
13.90 |
19.92 |
22.97 |
20.84 |
15.62 |
|
| Return on Capital Employed (%) |
36.85 |
26.84 |
24.22 |
35.68 |
16.08 |
|
| Return on Assets (%) |
2.92 |
4.13 |
4.95 |
4.66 |
3.64 |
|
| Total Debt/Equity (X) |
3.26 |
3.30 |
3.16 |
2.96 |
2.87 |
|
| Asset Turnover Ratio (%) |
0.29 |
0.33 |
0.34 |
0.35 |
0.35 |
|
| Liquidity Ratios |
|
|
|
|
|
|
| Current Ratio (X) |
1.27 |
1.53 |
1.65 |
1.28 |
2.07 |
|
| Quick Ratio (X) |
1.27 |
1.53 |
1.65 |
1.28 |
2.07 |
|
| Inventory Turnover Ratio (X) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
| Dividend Payout Ratio (NP) (%) |
12.40 |
9.87 |
10.47 |
0.00 |
0.00 |
|
| Dividend Payout Ratio (CP) (%) |
11.52 |
9.12 |
9.76 |
0.00 |
0.00 |
|
| Earnings Retention Ratio (%) |
87.60 |
90.13 |
89.53 |
0.00 |
0.00 |
|
| Cash Earnings Retention Ratio (%) |
88.48 |
90.88 |
90.24 |
0.00 |
0.00 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Cr.) |
126,137.40 |
102,060.41 |
99,721.75 |
102,206.71 |
104,758.10 |
|
| EV/Net Operating Revenue (X) |
6.98 |
6.01 |
7.30 |
9.57 |
11.29 |
|
| EV/EBITDA (X) |
21.36 |
16.94 |
20.60 |
30.53 |
42.06 |
|
| MarketCap/Net Operating Revenue (X) |
4.64 |
3.82 |
5.12 |
7.52 |
9.42 |
|
| Retention Ratios (%) |
87.59 |
90.12 |
89.52 |
0.00 |
0.00 |
|
| Price/BV (X) |
6.09 |
5.37 |
7.12 |
10.36 |
13.87 |
|
| Price/Net Operating Revenue |
4.64 |
3.82 |
5.12 |
7.52 |
9.42 |
|
| Earnings Yield |
0.02 |
0.04 |
0.03 |
0.02 |
0.01 |
|
Source : Dion Global Solutions Limited
