SBI Cards Financials
| SBICARD Stock | 679.20 16.70 2.40% |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Income | 81.5 B | 77.6 B |
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SBI | Select Account or Indicator |
Please note, the presentation of SBI Cards' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, SBI Cards' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of SBI Cards' management manipulating its earnings.
SBI Cards Stock Summary
SBI Cards competes with Kingfa Science, Rico Auto, GACM Technologies, COSMO FIRST, and Delta Manufacturing. SBI Cards is entity of India. It is traded as Stock on NSE exchange.Specialization | Financial Services, Financial Services |
| Instrument | India Stock View All |
| Exchange | National Stock Exchange of India |
| ISIN | INE018E01016 |
| Business Address | Infinity Towers, Tower |
| Sector | Consumer Finance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.sbicard.com |
| Phone | 91 12 458 9803 |
You should never invest in SBI Cards without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of SBI Stock, because this is throwing your money away. Analyzing the key information contained in SBI Cards' financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
SBI Cards Key Financial Ratios
There are many critical financial ratios that SBI Cards' investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that SBI Cards reports annually and quarterly.| Revenue | 110.93 B | ||||
| Gross Profit | 70.09 B | ||||
| EBITDA | 60.62 B | ||||
| Net Income | 24.08 B | ||||
| Total Asset | 581.71 B |
SBI Cards Key Balance Sheet Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Total Assets | 253.0B | 270.1B | 346.5B | 455.5B | 581.7B | 610.8B | |
| Net Debt | 168.1B | 174.0B | 225.0B | 297.6B | (23.9B) | (22.7B) | |
| Retained Earnings | 27.2B | 34.2B | 44.8B | 60.4B | 77.3B | 81.1B | |
| Cash | 5.5B | 6.7B | 7.8B | 13.5B | 23.9B | 25.1B | |
| Other Assets | 244.5B | 260.5B | 334.4B | 439.8B | (38.8B) | (36.9B) | |
| Total Liab | 199.6B | 207.1B | 269.0B | 357.2B | 460.9B | 483.9B | |
| Total Current Assets | 5.2B | 6.4B | 7.6B | 9.9B | 27.3B | 28.7B | |
| Common Stock | 9.4B | 9.4B | 9.4B | 9.5B | 9.5B | 9.4B | |
| Other Current Liab | (10.5B) | (5.0B) | (4.4B) | (5.3B) | (15.1B) | (15.8B) | |
| Accounts Payable | 7.2B | 8.8B | 11.2B | 14.0B | 15.1B | 15.8B | |
| Net Receivables | 2.3B | 1.3B | 5.9B | 1.4B | 2.4B | 2.3B | |
| Other Current Assets | (226.1B) | (16.8B) | (24.6B) | (25.9B) | (29.7B) | (31.2B) | |
| Short Term Debt | 143.7B | 132.7B | 166.9B | 229.0B | 398.9B | 418.9B | |
| Other Liab | 1.4B | 1.3B | 1.6B | 15.1B | 17.4B | 18.3B | |
| Net Tangible Assets | 35.1B | 52.5B | 62.0B | 76.2B | 87.7B | 48.3B | |
| Good Will | 2.8B | 4.0B | 2.2B | 2.5B | 3.5B | 2.6B | |
| Inventory | 223.8B | 15.5B | 18.7B | 24.5B | 22.0B | 20.9B | |
| Intangible Assets | 902.7M | 992.4M | 1.3B | 1.2B | 1.3B | 656.3M | |
| Net Invested Capital | 225.3B | 243.7B | 307.4B | 409.4B | 519.8B | 316.2B | |
| Capital Stock | 9.4B | 9.4B | 9.4B | 9.5B | 9.5B | 10.2B |
SBI Cards Key Income Statement Accounts
An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Total Revenue | 73.2B | 75.9B | 86.4B | 112.7B | 110.9B | 59.1B | |
| Gross Profit | 59.2B | 60.8B | 67.2B | 87.7B | 66.6B | 45.3B | |
| Operating Income | 16.3B | 12.0B | 20.2B | 28.7B | 77.6B | 81.5B | |
| Ebit | (35.2B) | (55.9B) | (53.9B) | (59.5B) | 58.7B | 61.6B | |
| Ebitda | 29.3B | 13.2B | 21.7B | 30.3B | 60.6B | 63.7B | |
| Income Before Tax | 17.3B | 13.2B | 21.7B | 30.3B | 32.3B | 33.9B | |
| Net Income | 12.4B | 9.8B | 16.2B | 22.6B | 24.1B | 25.3B | |
| Income Tax Expense | 4.8B | 3.4B | 5.6B | 7.7B | 8.2B | 8.7B | |
| Cost Of Revenue | 14.1B | 15.1B | 19.2B | 24.9B | 44.3B | 46.6B | |
| Tax Provision | 4.8B | 3.4B | 5.6B | 7.7B | 8.2B | 5.4B | |
| Net Interest Income | 36.1B | 38.8B | 38.4B | 45.1B | 53.3B | 37.6B | |
| Interest Income | 48.5B | 49.3B | 48.7B | 61.5B | 79.3B | 50.8B | |
| Interest Expense | 12.4B | 9.8B | 10.3B | 16.5B | 25.9B | 13.2B |
SBI Cards Key Cash Accounts
Cash flow analysis captures how much money flows into and out of SBI Cards. It measures of how well SBI is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money SBI Cards brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money SBI had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what SBI Cards has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (2.2B) | 1.3B | 1.1B | 2.3B | 14.9B | 15.7B | |
| Free Cash Flow | (41.4B) | 6.4B | (44.9B) | (67.6B) | (55.3B) | (52.5B) | |
| Depreciation | 1.0B | 1.2B | 1.5B | 1.6B | 2.0B | 2.1B | |
| Other Non Cash Items | 11.3B | 10.1B | 9.8B | 15.4B | 32.8B | 34.5B | |
| Capital Expenditures | 779.2M | 569.5M | 999.2M | 934M | 744.9M | 488.5M | |
| Net Income | 17.3B | 13.2B | 21.7B | 30.3B | 24.1B | 13.3B | |
| End Period Cash Flow | 5.2B | 6.4B | 7.6B | 9.9B | 24.8B | 26.1B | |
| Investments | 6.6M | (9.4B) | (4.4B) | (9.2B) | (14.6B) | (13.8B) | |
| Net Borrowings | 23.5B | 35.3B | 5.0B | 50.1B | 57.6B | 30.7B | |
| Change To Netincome | 11.9B | 16.9B | 25.2B | 24.7B | 28.3B | 16.7B | |
| Change To Inventory | (69.6B) | (32.6B) | (92.6B) | (113.5B) | (102.1B) | (107.2B) |
SBI Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining SBI Cards's current stock value. Our valuation model uses many indicators to compare SBI Cards value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across SBI Cards competition to find correlations between indicators driving SBI Cards's intrinsic value. More Info.SBI Cards and is currently regarded as top stock in return on equity category among its peers. It also is currently regarded as top stock in return on asset category among its peers reporting about 0.22 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for SBI Cards and is roughly 4.65 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the SBI Cards' earnings, one of the primary drivers of an investment's value.SBI Cards Systematic Risk
SBI Cards' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. SBI Cards volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on SBI Cards correlated with the market. If Beta is less than 0 SBI Cards generally moves in the opposite direction as compared to the market. If SBI Cards Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one SBI Cards is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of SBI Cards is generally in the same direction as the market. If Beta > 1 SBI Cards moves generally in the same direction as, but more than the movement of the benchmark.
SBI Cards and Total Assets Over Time
SBI Cards December 27, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of SBI Cards help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of SBI Cards and. We use our internally-developed statistical techniques to arrive at the intrinsic value of SBI Cards and based on widely used predictive technical indicators. In general, we focus on analyzing SBI Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build SBI Cards's daily price indicators and compare them against related drivers.
| Information Ratio | (0.22) | |||
| Maximum Drawdown | 4.98 | |||
| Value At Risk | (2.66) | |||
| Potential Upside | 1.37 |
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When running SBI Cards' price analysis, check to measure SBI Cards' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy SBI Cards is operating at the current time. Most of SBI Cards' value examination focuses on studying past and present price action to predict the probability of SBI Cards' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move SBI Cards' price. Additionally, you may evaluate how the addition of SBI Cards to your portfolios can decrease your overall portfolio volatility.
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