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SBI Cards and Payment Services IPO is a Book Building listing on BSE,NSE exchange, with an ipo size of ₹ 10354.77 Cr. The company is based in New Delhi and caters to Banking And Finance sector. Axis Capital , Bofa Securities India , Hsbc Securities & Capital Markets Limited , Kotak Mahindra Capital Company are the merchant bankers of SBI Cards and Payment Services IPO. It is a MainBoard IPO which filed its Draft Red Herring Prospectus (DRHP) on 26th November 2019.
SBI Cards and Payment Services IPO posted revenues of ₹ 9,124.07 Cr. and PAT of ₹ 1,548.27 Cr. in FY21 on annualised basis.
Revenue:
₹ 9,124.07 Cr.
EBITDA Margin:
38.86
% 
Net Worth: ₹ 4751.31 Cr.
Market Capitalisation:
₹ 70890.00 Cr.
P/E:
45.80 times
P/BV: 4.69 times
EV/EBITDA: 22.86 times
Financial results of SBI Cards and Payment Services IPO based on restated financials as per prospectus and IPO review parameters can be referred to below.
| Financials | Dec-20 | FY 19 | FY 18 | FY 17 | |
|---|---|---|---|---|---|
|
Balance Sheet
|
|||||
| Assets | 25993.46 | 19098.66 | 20239.63 | 15686.00 | |
| Net Worth | 4751.31 | 3421.90 | 3581.72 | 13332.94 | |
| Total Debt | 10616.19 | 8644.50 | 8374.41 | 7465.85 | |
|
Profit & Loss
|
|||||
Revenue
Revenue on annualised basis |
6843.05
9,124.07 |
6999.11 | 5186.97 | 3346.20 | |
EBITDA
EBITDA on annualised basis |
2659.33
3,545.77 |
2429.91 | 1655.34 | 1104.84 | |
PAT
PAT on annualised basis |
1161.20
1,548.27 |
862.72 | 601.14 | 372.86 | |
SBI Cards and Payment Services IPO PAT Margin is 16.97 % , ROCE (Return on Capital Employed) is [●] % as per latest financial. The below table shows SBI Cards and Payment Services IPO Key Performance Indicators (KPI) as mentioned in company’s prospectus.
| Particulars | Dec-20 | FY 19 | FY 18 | FY 17 |
|---|---|---|---|---|
| EBITDA Margin (%) | 38.86 | 34.72 | 31.91 | 33.02 |
| PAT Margin (%) | 16.97 | 12.33 | 11.59 | 11.14 |
| EPS (₹) | 12.45 | 9.43 | 7.40 | 4.75 |
| ROE (%) | 24.44 | 25.21 | 16.78 | 2.80 |
| ROCE (%) | [●] | [●] | [●] | [●] |
| ROA (%) | 4.47 | 4.52 | 2.97 | 2.38 |
| Debt to Equity | 2.23 | 2.53 | 2.34 | 0.56 |
The market Capitalisation of SBI Cards and Payment Services IPO is ₹ 70890.00 crores at the time of IPO and other IPO valuation metrics of this IPO is mentioned below.
The SBI Cards and Payment Services IPO prospectus highlights an Return on Equity (ROE) of 24.44 % , Return on Assets (ROA) of 4.47 %, and an EBITDA Margin of 38.86 %, showcasing financial performance.
Profitability ratios like Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin shows SBI Cards and Payment Services IPO financial report. Analysing these metrics can provide insights into the company’s efficiency, profitability, and long-term growth potential.
The post-IPO market capitalisation of SBI Cards and Payment Services IPO is ₹ 70890.00 Cr., based on the issue price and share structure. It helps investors gauge the company’s valuation and compare it with industry peers before investing.
The SBI Cards and Payment Services IPO has a Price-to-Earnings (PE) ratio of 45.80 X, indicating valuation compared to industry peers. It helps investors determine if the stock is overvalued or undervalued compared to its earnings and industry peers.
SBI Cards and Payment Services IPO reported revenue of ₹ 9653.55 Cr. in the latest fiscal year, showing business performance, on annualised basis. Revenue figures from SBI Cards and Payment Services IPO provide insights into sales growth, market demand, and business scalability.
SBI Cards and Payment Services recorded an EBITDA of ₹ 3,545.77 Cr., reflecting operational efficiency. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) measures operational profitability.
SBI Cards and Payment Services Profit After Tax (PAT) is ₹ 1,548.27 Cr., reflecting earnings growth. Profit After Tax (PAT) reflects the company’s actual earnings after all expenses, taxes, and deductions
Revenue:
₹ 9,124.07 Cr.
EBITDA Margin:
38.86
%
Net Worth: ₹ 4,751.31 Cr.
Market Capitalisation:
70,890.00
P/E:
45.80 times
P/BV: 4.69 times
EV/EBITDA:
22.86
SBI Cards and Payment Services operates in Banking And Finance and Credit Card Issuers In India. The Issue is listed on BSE,NSE in Mar, 2020. SBI Cards and Payment Services IPO size was 10354.77 with Issue price of 755.00 .
Merchant Banker(s) of SBI Cards and Payment Services IPO: Axis Capital Limited , Bofa Securities India Limited , Hsbc Securities & Capital Markets Private limited , Kotak Mahindra Capital Company Limited
SBI Cards and Payment Services IPO subscription was 26.54 X. IPO subscription refers to applications received in an IPO by each quota, i.e., QIB, Retail, and NII. In some IPOs, Eligible employee quota and shareholder’s quota are also present. Learn more about IPO subscriptions here.
SBI Cards and Payment Services IPO listed at a listing price of 683.20 against the offer price of 755.00.
The current market price of SBI Cards and Payment Services is 894.60.
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