SBI Cards and Payment Services Limited
SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate cards, central travel cards, utility cards, and purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headqu… Read more
SBI Cards and Payment Services Limited - Asset Resilience Ratio
SBI Cards and Payment Services Limited (SBICARD) has an Asset Resilience Ratio of 9.38% as of March 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2018–2024)
This chart shows how SBI Cards and Payment Services Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down SBI Cards and Payment Services Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹0.00 | 0% |
| Short-term Investments | ₹54.59 Billion | 9.38% |
| Total Liquid Assets | ₹54.59 Billion | 9.38% |
Asset Resilience Insights
- Limited Liquidity: SBI Cards and Payment Services Limited maintains only 9.38% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
SBI Cards and Payment Services Limited Industry Peers by Asset Resilience Ratio
Compare SBI Cards and Payment Services Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for SBI Cards and Payment Services Limited (2018–2024)
The table below shows the annual Asset Resilience Ratio data for SBI Cards and Payment Services Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-03-31 | 0.58% | ₹3.36 Billion | ₹581.71 Billion | +1.38pp |
| 2023-03-31 | -0.80% | ₹-3.65 Billion | ₹455.46 Billion | -0.72pp |
| 2022-03-31 | -0.08% | ₹-268.30 Million | ₹346.48 Billion | +0.03pp |
| 2021-03-31 | -0.11% | ₹-290.40 Million | ₹270.13 Billion | +0.03pp |
| 2020-03-31 | -0.14% | ₹-349.32 Million | ₹253.03 Billion | -0.02pp |
| 2019-03-31 | -0.11% | ₹-230.11 Million | ₹202.40 Billion | -1.26pp |
| 2018-03-31 | 1.15% | ₹1.80 Billion | ₹156.86 Billion | -- |