SBI Cards and Payment Services Limited (BOM:543066)

BOM:543066 Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest and Dividend Income	90,708	79,271	61,530	48,660	49,467	48,413
Total Interest Expense	31,011	25,893	16,439	10,263	9,775	12,379
Net Interest Income	59,697	53,378	45,091	38,397	39,692	36,034
Commissions and Fees	79,098	81,647	66,042	52,266	39,077	39,787
Gain (Loss) on Sale of Investments	-	-	4.8	4	1.8	6.6
Other Revenue	7,653	8,766	9,095	5,847	4,421	4,603
Revenue Before Loan Losses	146,449	143,791	120,233	96,513	83,192	80,430
Provision for Loan Losses	45,693	32,865	21,554	22,550	4,787	7,143
Revenue	100,756	110,926	98,679	73,963	78,405	73,288
Revenue Growth (YoY)	-8.73%	12.41%	33.42%	-5.67%	6.98%	23.65%
Salaries & Employee Benefits	5,675	5,697	5,619	4,727	4,916	4,684
Cost of Services Provided	70,844	76,026	67,227	52,231	40,316	42,088
Other Operating Expenses	-5,093	-4,910	-5,985	-5,068	-2,764	-2,437
Total Operating Expenses	73,427	78,781	68,499	53,376	65,296	57,633
Operating Income	27,329	32,145	30,180	20,588	13,109	15,655
Currency Exchange Gain (Loss)	-	-	90.4	30.1	-	4.4
EBT Excluding Unusual Items	27,501	32,317	30,303	21,714	13,149	15,660
Other Unusual Items	0.6	0.6	0.9	7.5	88.7	1,637
Pretax Income	27,502	32,318	30,306	21,722	13,237	17,296
Income Tax Expense	7,057	8,239	7,721	5,560	3,392	4,848
Net Income	20,445	24,079	22,585	16,161	9,845	12,448
Net Income to Common	20,445	24,079	22,585	16,161	9,845	12,448
Net Income Growth	-12.70%	6.62%	39.75%	64.16%	-20.91%	43.92%
Shares Outstanding (Basic)	951	948	944	942	940	933
Shares Outstanding (Diluted)	952	949	949	949	949	942
Shares Change (YoY)	0.31%	0.02%	-0.03%	0.07%	0.70%	2.95%
EPS (Basic)	21.50	25.39	23.92	17.16	10.48	13.35
EPS (Diluted)	21.49	25.37	23.80	17.02	10.38	13.21
EPS Growth	-12.96%	6.60%	39.84%	63.97%	-21.42%	39.79%
Free Cash Flow	-	-55,260	-67,639	-44,914	6,354	-41,409
Free Cash Flow Per Share	-	-58.22	-71.27	-47.31	6.70	-43.96
Dividend Per Share	2.500	2.500	2.500	2.500	-	1.000
Operating Margin	27.12%	28.98%	30.58%	27.83%	16.72%	21.36%
Profit Margin	20.29%	21.71%	22.89%	21.85%	12.56%	16.98%
Free Cash Flow Margin	-	-49.82%	-68.55%	-60.72%	8.10%	-56.50%
Effective Tax Rate	25.66%	25.49%	25.48%	25.60%	25.62%	28.03%
Revenue as Reported	182,794	174,835	142,857	113,015	97,136	97,523

Updated Jan 28, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.