SBI Cards & Payment Services Ltd(IN:SBICARD)
₹589.00+4.00 (+0.68%)
IN:SBICARD
SBI Cards & Payment Services Ltd financials statements
₹589.00
At close:+4.00 (+0.68%)
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SBI Cards & Payment Services Ltd (SBICARD) Ratios
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SBI Cards & Payment Services Ltd Ratios
IN:SBICARD's free cash flow for Q2 2027 was ₹0.00. For the 2027 fiscal year, IN:SBICARD's free cash flow was increased by ₹0.00 and operating cash flow was ₹0.00. See a summary of the company’s cash flow.
| Ratios | Mar 26 | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.00 | 1.87 | 1.81 | 0.71 | 0.68 |
| Quick Ratio | 0.00 | 1.87 | 1.81 | -1.04 | 0.06 |
| Cash Ratio | 0.00 | 1.72 | 1.81 | 0.96 | 0.68 |
| Solvency Ratio | 0.05 | 0.04 | 0.06 | 0.07 | 0.07 |
| Operating Cash Flow Ratio | 0.00 | -1.34 | -3.62 | -4.78 | -3.93 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | -0.18 | -0.29 | -0.26 |
| Net Current Asset Value | ₹ -479.99B | ₹ -487.90B | ₹ -433.58B | ₹ -347.26B | ₹ -261.38B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.66 | 0.69 | 0.69 | 0.69 | 0.67 |
| Debt-to-Equity Ratio | 2.80 | 3.26 | 3.34 | 3.21 | 3.00 |
| Debt-to-Capital Ratio | 0.74 | 0.77 | 0.77 | 0.76 | 0.75 |
| Long-Term Debt-to-Capital Ratio | 0.74 | 0.77 | 0.44 | 0.46 | 0.45 |
| Financial Leverage Ratio | 4.22 | 4.76 | 4.81 | 4.63 | 4.47 |
| Debt Service Coverage Ratio | 0.75 | 0.65 | 0.08 | 0.10 | 0.10 |
| Interest Coverage Ratio | 2.56 | 0.81 | 1.25 | 1.84 | 2.12 |
| Debt to Market Cap | 0.73 | 0.55 | 0.61 | 0.45 | 0.29 |
| Interest Debt Per Share | 495.35 | 505.76 | 452.40 | 351.32 | 258.11 |
| Net Debt to EBITDA | 13.69 | 15.48 | 10.96 | 9.45 | 9.71 |
| Profitability Margins | |||||
| Gross Profit Margin | 77.99% | 81.78% | 83.12% | 86.66% | 89.38% |
| EBIT Margin | 14.07% | 14.79% | 21.07% | 24.60% | 22.48% |
| EBITDA Margin | 14.73% | 15.63% | 22.35% | 25.93% | 24.02% |
| Operating Profit Margin | 38.03% | 14.79% | 21.07% | 24.60% | 22.48% |
| Pretax Profit Margin | 14.07% | 14.79% | 21.07% | 24.60% | 22.48% |
| Net Profit Margin | 10.46% | 10.98% | 15.70% | 18.33% | 16.72% |
| Continuous Operations Profit Margin | 10.46% | 10.98% | 15.70% | 18.33% | 16.72% |
| Net Income Per EBT | 74.38% | 74.26% | 74.51% | 74.52% | 74.40% |
| EBT Per EBIT | 36.99% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 3.27% | 2.92% | 4.14% | 4.96% | 4.66% |
| Return on Equity (ROE) | 13.78% | 13.91% | 19.93% | 22.98% | 20.85% |
| Return on Capital Employed (ROCE) | 11.87% | 4.04% | 5.70% | 6.86% | 6.48% |
| Return on Invested Capital (ROIC) | 8.83% | 3.00% | 2.65% | 9.79% | 9.63% |
| Return on Tangible Assets | 3.27% | 2.93% | 4.15% | 4.97% | 4.68% |
| Earnings Yield | 3.58% | 2.34% | 3.69% | 3.23% | 2.01% |
| Efficiency Ratios | |||||
| Receivables Turnover | 768.66 | 74.08 | 22.88 | 18.47 | 20.32 |
| Payables Turnover | 2.66 | 2.00 | 1.72 | 1.18 | 0.92 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.67 | 1.49 |
| Fixed Asset Turnover | 131.08 | 76.89 | 34.99 | 27.16 | 29.87 |
| Asset Turnover | 0.31 | 0.27 | 0.26 | 0.27 | 0.28 |
| Working Capital Turnover Ratio | 10.40 | 13.41 | 37.59 | -32.24 | -53.89 |
| Cash Conversion Cycle | -136.84 | -178.00 | -196.58 | 253.22 | -134.02 |
| Days of Sales Outstanding | 0.47 | 4.93 | 15.95 | 19.76 | 17.96 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 543.30 | 245.19 |
| Days of Payables Outstanding | 137.32 | 182.93 | 212.53 | 309.84 | 397.17 |
| Operating Cycle | 0.47 | 4.93 | 15.95 | 563.05 | 263.16 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 165.89 | -22.49 | -57.48 | -70.64 | -46.62 |
| Free Cash Flow Per Share | 165.54 | -23.08 | -58.27 | -71.63 | -47.68 |
| Dividend Paid and CapEx Coverage Ratio | 62.98 | -6.24 | -12.47 | -21.78 | -13.09 |
| Capital Expenditure Coverage Ratio | 469.25 | -38.39 | -73.18 | -71.42 | -43.95 |
| Operating Cash Flow Coverage Ratio | 0.36 | -0.05 | -0.14 | -0.21 | -0.19 |
| Operating Cash Flow to Sales Ratio | 0.76 | -0.12 | -0.36 | -0.54 | -0.45 |
| Free Cash Flow Yield | 26.05% | -2.68% | -8.47% | -9.68% | -5.60% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 27.91 | 42.78 | 27.10 | 30.95 | 49.64 |
| Price-to-Sales (P/S) Ratio | 2.92 | 4.70 | 4.25 | 5.67 | 8.30 |
| Price-to-Book (P/B) Ratio | 3.85 | 5.95 | 5.40 | 7.11 | 10.35 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.84 | -37.35 | -11.81 | -10.33 | -17.86 |
| Price-to-Operating Cash Flow Ratio | 3.83 | -38.32 | -11.97 | -10.48 | -18.27 |
| Price-to-Earnings Growth (PEG) Ratio | 2.15 | -2.07 | 4.41 | 0.79 | 0.78 |
| Enterprise Value Multiple | 33.52 | 45.55 | 29.99 | 31.33 | 44.27 |
| Enterprise Value | 1.02T | 1.24T | 1.03T | 1.00T | 1.03T |
| EV to EBITDA | 33.52 | 45.55 | 29.99 | 31.33 | 44.27 |
| EV to Sales | 4.94 | 7.12 | 6.70 | 8.12 | 10.63 |
| EV to Free Cash Flow | 6.49 | -56.57 | -18.61 | -14.80 | -22.88 |
| EV to Operating Cash Flow | 6.47 | -58.04 | -18.86 | -15.00 | -23.40 |
| Tangible Book Value Per Share | 164.49 | 143.75 | 126.09 | 102.83 | 80.93 |
| Shareholders’ Equity Per Share | 165.26 | 144.84 | 127.42 | 104.10 | 82.31 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.26 | 0.26 | 0.25 | 0.25 | 0.26 |
| Revenue Per Share | 217.62 | 183.35 | 161.76 | 130.48 | 102.59 |
| Net Income Per Share | 22.77 | 20.14 | 25.39 | 23.92 | 17.16 |
| Tax Burden | 0.74 | 0.74 | 0.75 | 0.75 | 0.74 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.21 | 0.02 | 0.02 | 0.02 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 7.29 | -1.12 | -2.26 | -2.20 | -2.02 |
Currency in INR
