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Highlights
The presented financial data is Standalone to provide a comprehensive overview of the company performance.
Sales over the Year and quarter: The company’s sales declined by -0.07 % over the year, substantial increase in net sales/revenue by 4.47 %.
Income over the Year and quarter: There has been either a marginal increase or a decline in other income over the past year which is 23.33 %. Marginal increase in other income during this quarter, up by 9.71%.
Profit over the Year and quarter: Challenges in sustaining profitability for Sbi Cards And Payment Services Limited. Profit dropped by -30.2 % Year to Year, Sbi Cards And Payment Services Limited’s profitability dropped by -5.24 % Quarter to Quarter.
EPS over the Year and quarter: EPS declined by -30.28 % Year to Year. EPS decreased by -5.18 % in previous quarter. Analysis needed for shareholder value.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Sales | Rs. 4621.704 Cr | Rs. 4421.041 Cr | Rs. 4618.684 Cr | + 4.47 % | -0.07 % |
Expenses | Rs. 3257.74 Cr | Rs. 3172.58 Cr | Rs. 3371.53 Cr | + 6.27 % | + 3.49 % |
Operating Profit | Rs. 1363.96 Cr | Rs. 1248.46 Cr | Rs. 1247.15 Cr | -0.1 % | -8.56 % |
OPM % | 29.51 % | 28.24 % | 27 % | -1.24 % | -2.51 % |
Other Income | Rs. 119.9 Cr | Rs. 134.782 Cr | Rs. 147.873 Cr | + 9.71 % | + 23.33 % |
Interest | Rs. 695.49 Cr | Rs. 787.68 Cr | Rs. 828.64 Cr | + 5.2 % | + 19.14 % |
Depreciation | Rs. 50.78 Cr | Rs. 50.35 Cr | Rs. 48.76 Cr | -3.16 % | -3.98 % |
Profit before tax | Rs. 737.59 Cr | Rs. 545.21 Cr | Rs. 517.62 Cr | -5.06 % | -29.82 % |
Tax % | 25.56 % | 25.82 % | 25.96 % | + 0.14 % | + 0.4 % |
Net Profit | Rs. 549.08 Cr | Rs. 404.42 Cr | Rs. 383.23 Cr | -5.24 % | -30.21 % |
EPS in Rs | Rs. 5.78 | Rs. 4.25 | Rs. 4.03 | -5.18 % | -30.28 % |
Today, we’re looking at Sbi Cards And Payment Services Limited’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a significant year-over-year sales decline of -0.07 %. However, it did see a marginal increase of 4.47 % from the previous quarter. Expenses ticked up slightly by 6.27 % quarter-on-quarter, aligning with the annual rise of 3.49 %. Operating profit, while down -8.56 % compared to last year, faced a quarter-on-quarter dip of -0.1 %, signaling a short-term contraction in margins.
The Operating Profit Margin (OPM) % contradicts this narrative, showing weakness on an annual basis with a decrease of -2.51 %, but a shrinkage of -1.24 % sequentially. Other income rose by 9.71 % compared to the last quarter, despite an annual growth of 23.33 %. Interest expenses surged remarkably by 5.2 % from the previous quarter, yet the year-over-year increase remains at a moderate 19.14 %. Depreciation costs fell by -3.16 % quarter-on-quarter, yet on an annual scale, they experienced a reduction of -3.98 %. Profit before tax declined annually by -29.82 % but saw a reduction from the preceding quarter by -5.06 %.
Tax expenses as a percentage of profits increased slightly by 0.4 % compared to last year, with a more notable quarter-on-quarter increase of 0.14 %. Net profit fell by -30.21 % year-on-year but witnessed a -5.24 % contraction from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual downturn of -30.28 % but a quarterly fall of -5.18 %. In summary, Sbi Cards And Payment Services Limited’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Sales | Rs. 4621.704 Cr | Rs. 4421.041 Cr | Rs. 4618.684 Cr | + 4.47 % | -0.07 % |
Expenses | Rs. 3257.74 Cr | Rs. 3172.58 Cr | Rs. 3371.53 Cr | + 6.27 % | + 3.49 % |
Operating Profit | Rs. 1363.96 Cr | Rs. 1248.46 Cr | Rs. 1247.15 Cr | -0.1 % | -8.56 % |
Net Profit | Rs. 549.08 Cr | Rs. 404.42 Cr | Rs. 383.23 Cr | -5.24 % | -30.21 % |
EPS in Rs | Rs. 5.78 | Rs. 4.25 | Rs. 4.03 | -5.18 % | -30.28 % |
In reviewing Sbi Cards And Payment Services Limited’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Sales experienced a decrease of -0.07 % year-on-year, however, there was a minor increase of 4.47 % from the previous quarter. Expenses rose by 3.49 % compared to the previous year, with a 6.27 % increase quarter-on-quarter. Operating Profit dropped by -8.56 % annually, and saw a -0.1 % decrease from the last quarter.
Net Profit showed yearly decrease of -30.21 %, and experienced a -5.24 % decrease from the previous quarter. Earnings Per Share (EPS) fell by -30.28 % annually, however dipped by -5.18 % compared to the last quarter. In essence, while Sbi Cards And Payment Services Limited faces strong annual decline indicators, short-term fluctuations suggest the need for agile strategies to navigate market dynamics effectively. That’s all for now in the financial sector.