SBI Cards and Payment Services Limited - Asset Resilience Ratio

Latest as of March 2024: 9.38%

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. Check SBI Cards and Payment Services Limited (SBICARD) strategic asset index to assess the company's strategic physical and investment asset allocation.

Liquid Assets

Rs54.59 Billion

≈ $590.40 Million USD Cash + Short-term Investments

Total Assets

Rs581.71 Billion

≈ $6.29 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2018–2024)

This chart shows how SBI Cards and Payment Services Limited's Asset Resilience Ratio has changed over time. See SBICARD net asset quality score to measure how much of total assets are equity-financed.

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. For market capitalisation and broader financial context, see SBI Cards and Payment Services Limited (SBICARD) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs0.00	0%
Short-term Investments	Rs54.59 Billion	9.38%
Total Liquid Assets	Rs54.59 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
Bajaj Finance Limited NSE:BAJFINANCE	Credit Services	2.35%
Manappuram Finance Limited NSE:MANAPPURAM	Credit Services	4.86%
Capri Global Capital Limited NSE:CGCL	Credit Services	0.13%
Hotai Finance Corp TW:6592	Credit Services	1.50%
Beijing Cuiwei Tower Co Ltd SHG:603123	Credit Services	1.79%
Mufin Green Finance Ltd NSE:MUFIN	Credit Services	3.44%
Vakif Finansal Kiralama AS IS:VAKFN	Credit Services	0.62%
Moneyme Ltd AU:MME	Credit Services	1.75%

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%	Rs3.36 Billion ≈ $36.33 Million	Rs581.71 Billion ≈ $6.29 Billion	+1.38pp
2023-03-31	-0.80%	Rs-3.65 Billion ≈ $-39.44 Million	Rs455.46 Billion ≈ $4.93 Billion	-0.72pp
2022-03-31	-0.08%	Rs-268.30 Million ≈ $-2.90 Million	Rs346.48 Billion ≈ $3.75 Billion	+0.03pp
2021-03-31	-0.11%	Rs-290.40 Million ≈ $-3.14 Million	Rs270.13 Billion ≈ $2.92 Billion	+0.03pp
2020-03-31	-0.14%	Rs-349.32 Million ≈ $-3.78 Million	Rs253.03 Billion ≈ $2.74 Billion	-0.02pp
2019-03-31	-0.11%	Rs-230.11 Million ≈ $-2.49 Million	Rs202.40 Billion ≈ $2.19 Billion	-1.26pp
2018-03-31	1.15%	Rs1.80 Billion ≈ $19.47 Million	Rs156.86 Billion ≈ $1.70 Billion	--

pp = percentage points

About SBI Cards and Payment Services Limited

NSE:SBICARD India Credit Services

Market Cap

$6.44 Billion

Rs595.41 Billion INR

Market Cap Rank

#3077 Global

#139 in India

Share Price

Rs625.70

Change (1 day)

+0.65%

52-Week Range

Rs568.25 - Rs991.35

All Time High

Rs1129.32