NIFTY 50 22913.15 â–¼ (0.09%)
NIFTY NEXT 50 61039.1 â–² (1.47%)
NIFTY 100 23411.4 â–² (0.18%)
NIFTY MIDCAP 100 51163.8 â–² (1.26%)
NIFTY SMALLCAP 100 15747.7 â–² (1.43%)
NIFTY SMALLCAP 250 14767.3 â–² (1.22%)
NIFTY MIDCAP SELECT 11391.45 â–² (1.08%)
NIFTY TOTAL MARKET 11712.75 â–² (0.51%)
NIFTY BANK 49334.55 â–¼ (0.48%)
SENSEX 75735.96 â–¼ (0.27%)
BSE BANKEX 56179.27 â–¼ (0.5%)

Sbi Cards And Payment Services ‘s Q3 2024-25 Latest News: Profit Falls by 30.21% Year-on-Year

[fetch_key]

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.

This report meticulously dissects the performance of Sbi Cards And Payment Services Limited, offering a panoramic view of its operational success and challenges. It delves into a variety of financial metrics, such as revenue growth, profit margins, and shareholder returns, juxtaposed against the backdrop of broader economic conditions and sector-specific trends. The analysis further explores the investor community’s perception and expectations, which influence the stock’s volatility and potential returns. By providing a forecast based on quantitative analyses and market sentiment, the report aims to outline the potential risks and rewards, guiding investors toward making strategic, data-driven investment choices.

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.

Join our telegram for more updates

Stay Updated with Our YouTube Videos

Related Post