SBI Cards and Payment Services Limited (NSE: SBICARD)
India
· Delayed Price · Currency is INR 679.70
+4.65 (0.69%)
Nov 22, 2024, 3:29 PM IST
SBICARD Income Statement
Financials in millions INR. Fiscal year is April - March.
Millions INR. Fiscal year is Apr - Mar.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '24 Sep 30, 2024 | Mar '24 Mar 31, 2024 | Mar '23 Mar 31, 2023 | Mar '22 Mar 31, 2022 | Mar '21 Mar 31, 2021 | Mar '20 Mar 31, 2020 | 2019 - 2015 |
| Interest and Dividend Income | 87,542 | 79,271 | 61,530 | 48,660 | 49,467 | 48,413 | Upgrade
|
| Total Interest Expense | 29,679 | 25,893 | 16,439 | 10,263 | 9,775 | 12,379 | Upgrade
|
| Net Interest Income | 57,863 | 53,378 | 45,091 | 38,397 | 39,692 | 36,034 | Upgrade
|
| Commissions and Fees | 81,778 | 81,647 | 66,042 | 52,266 | 39,077 | 39,787 | Upgrade
|
| Gain (Loss) on Sale of Investments | - | - | 4.8 | 4 | 1.8 | 6.6 | Upgrade
|
| Other Revenue | 8,170 | 8,766 | 9,095 | 5,847 | 4,421 | 4,603 | Upgrade
|
| Revenue Before Loan Losses | 147,811 | 143,791 | 120,233 | 96,513 | 83,192 | 80,430 | Upgrade
|
| Provision for Loan Losses | 41,391 | 32,865 | 21,554 | 22,550 | 4,787 | 7,143 | Upgrade
|
| Revenue | 106,420 | 110,926 | 98,679 | 73,963 | 78,405 | 73,288 | Upgrade
|
| Revenue Growth (YoY) | 1.30% | 12.41% | 33.42% | -5.67% | 6.98% | 23.65% | Upgrade
|
| Salaries & Employee Benefits | 5,596 | 5,697 | 5,619 | 4,727 | 4,916 | 4,684 | Upgrade
|
| Cost of Services Provided | 74,088 | 76,026 | 67,227 | 52,231 | 40,316 | 42,088 | Upgrade
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| Other Operating Expenses | -4,813 | -4,910 | -5,985 | -5,068 | -2,764 | -2,437 | Upgrade
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| Total Operating Expenses | 76,892 | 78,781 | 68,499 | 53,376 | 65,296 | 57,633 | Upgrade
|
| Operating Income | 29,528 | 32,145 | 30,180 | 20,588 | 13,109 | 15,655 | Upgrade
|
| Currency Exchange Gain (Loss) | - | - | 90.4 | 30.1 | - | 4.4 | Upgrade
|
| EBT Excluding Unusual Items | 29,701 | 32,317 | 30,303 | 21,714 | 13,149 | 15,660 | Upgrade
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| Other Unusual Items | 0.6 | 0.6 | 0.9 | 7.5 | 88.7 | 1,637 | Upgrade
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| Pretax Income | 29,702 | 32,318 | 30,306 | 21,722 | 13,237 | 17,296 | Upgrade
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| Income Tax Expense | 7,598 | 8,239 | 7,721 | 5,560 | 3,392 | 4,848 | Upgrade
|
| Net Income | 22,104 | 24,079 | 22,585 | 16,161 | 9,845 | 12,448 | Upgrade
|
| Net Income to Common | 22,104 | 24,079 | 22,585 | 16,161 | 9,845 | 12,448 | Upgrade
|
| Net Income Growth | -3.99% | 6.62% | 39.74% | 64.16% | -20.91% | 43.92% | Upgrade
|
| Shares Outstanding (Basic) | 951 | 948 | 944 | 942 | 940 | 933 | Upgrade
|
| Shares Outstanding (Diluted) | 951 | 949 | 949 | 949 | 949 | 942 | Upgrade
|
| Shares Change (YoY) | 0.20% | 0.02% | -0.03% | 0.07% | 0.70% | 2.95% | Upgrade
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| EPS (Basic) | 23.25 | 25.39 | 23.92 | 17.16 | 10.48 | 13.35 | Upgrade
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| EPS (Diluted) | 23.25 | 25.37 | 23.80 | 17.02 | 10.38 | 13.21 | Upgrade
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| EPS Growth | -4.19% | 6.60% | 39.84% | 63.97% | -21.42% | 39.79% | Upgrade
|
| Free Cash Flow | -74,473 | -55,260 | -67,639 | -44,914 | 6,354 | -41,409 | Upgrade
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| Free Cash Flow Per Share | -78.34 | -58.22 | -71.27 | -47.31 | 6.70 | -43.96 | Upgrade
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| Dividend Per Share | - | 2.500 | 2.500 | 2.500 | - | 1.000 | Upgrade
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| Operating Margin | 27.75% | 28.98% | 30.58% | 27.84% | 16.72% | 21.36% | Upgrade
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| Profit Margin | 20.77% | 21.71% | 22.89% | 21.85% | 12.56% | 16.99% | Upgrade
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| Free Cash Flow Margin | -69.98% | -49.82% | -68.54% | -60.72% | 8.10% | -56.50% | Upgrade
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| Effective Tax Rate | 25.58% | 25.49% | 25.48% | 25.60% | 25.63% | 28.03% | Upgrade
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| Revenue as Reported | 182,544 | 174,835 | 142,857 | 113,015 | 97,136 | 97,523 | Upgrade
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Source: S&P Capital IQ. Financial Services template. Financial Sources.