SBI Cards and Payment Services Ltd (SBICARD)

📊 End of Day Bhavcopy

Date: 2025-09-09

Price: 820.50
% Change: 2.12% (Prev Close: 803.50)

Volume: 8,13,502
% Change: 66.97% (Prev Volume: 4,87,221)

Delivery: 4,91,445
Delivery % : 60.41
% Change: 94.53% (Prev Delivery: 2,52,637)

Turnover: 6,601 Lacs
% Change: 69.31% (Prev Turnover: 3,899)

💹 EOD Valuation

P/E Ratio: 41.57
P/B Ratio: 5.66
Market Cap: 78071 Rs. Cr.

Fundamental Data

Date: 05-09-2025

🏷️ Company Basics

Symbol: SBICARD
Market Cap: 76455 Rs. Cr.
Face Value: 10.00 Rs.

52 Week High: 1027.25
52 Week Low: 659.80

All-Time High: 1165.00 Rs.
All-Time Low: 495.00 Rs.

Stock Price Increase (% Return) %

% Return (1 mth |3 mth | 6 mth | 1 Yr | 3 Yrs | 5 Yrs):
-1.18% | -19.91% | -4.73% | 3.49% | -5.29%

👥 Shareholding Pattern

Promoter Holding

Promoter Holding: 68.59%

Change (3Y | 1Y): -1.05% | -0.01%

Pledged %: 0.00%

FII Holding

FII Holding: 10.23%

Change (3Y | 1Y): 1.94% | 0.35%

DII Holding

DII Holding: 17.50%

Change (3Y | 1Y): 1.26% | 0.28%

Public Holding: 3.68%

🏦 Financial Strength

Debt to Equity: 3.26
Debt: 44946.61 Rs. Cr.

Book Value: 144.86 Rs.
Current Ratio: 0.68
Interest Coverage: 1.78
Free Cash Flow: -2195.84 Rs. Cr.

📈 Growth & Sales

Sales Growth: 6.75%

Sales Growth Qtr (YOY | QoQ):
11.89% | 4.34%

Sales Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
14.26% | 19.17% | 6.75%

💰 Profit & Earnings

Profit Growth %

Profit Growth: -22.05%

Profit Growth Qtr (YOY | QoQ):
-6.47% | 4.08%

Profit Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
9.01% | 5.83% | -22.05%

EPS Rs.

EPS (TTM): 19.74 Rs.

EPS Qtr (Last Year | Latest):
6.25 Rs. | 5.84 Rs.

EPS Annual (Last Annual | Annual March):
25.32 Rs. | 20.14 Rs.

EPS Growth Variation % (5 Yrs | 3 Yrs):
8.72% | 5.53%

Net Profit Rs. Cr.

Net Profit (TTM): 1877.79 Rs. Cr.

Net Profit (Annual - March): 1916.41 Rs. Cr.

Net Profit Qtr (Last Year Q | Previous Q | Latest Q):
594.45| 534.18 | 555.96

EBITDA Rs. Cr.

EBITDA (Quarter): 1596.21 Rs. Cr.
EBITDA (Previous Yr Ql): 1615.37 Rs. Cr.

EBITDA (Annual - March): 5905.90 Rs. Cr.
EBITDA (Previous Annual): 6023.80 Rs. Cr.

EBITDA (5 Yrs | 3 Yrs) %:
13.51% | 20.82%

📊 Profitability Ratios

Operating Margin (OPM)

OPM (TTM): 28.44%

OPM Qtr (Previous | Current):
28.98% | 29.48%

OPM Annual (5 Yrs | Last Yr | March):
28.96% | 32.53% | 29.56%

Return on Equity %

ROE: 14.82%

ROE (5 Yrs | 3 Yrs | Last Yr):
20.17% | 20.14% | 21.98%

Return on Capital Employed %

ROCE: 10.40%

ROCE (5 Yrs | 3 Yrs | Last Yr):
11.54% | 12.00% | 12.54%

Return on Assets %

ROA (TTM): 3.10%

ROA (5 Yrs | 3 Yrs | Last Yr):
4.48% | 4.46% | 4.64%

PEG Ratio: 6.98
Dividend Yield: 0.31%

PE 3 Yrs: 32.70
PE 5 Yrs: 40.71

Dividend Yield: 0.31%

👥 Company

SBI Cards and Payment Services Ltd

SBICARD

Promoter Holding: %

Patel Engineering Ltd (PATELENG)

📊 End of Day Bhavcopy

Date: 2025-09-09

Price: 37.28
% Change: -0.56% (Prev Close: 37.49)

Volume: 9,19,615
% Change: -27.79% (Prev Volume: 12,73,569)

Delivery: 5,46,707
Delivery % : 59.45
% Change: -15.44% (Prev Delivery: 6,46,549)

Turnover: 345 Lacs
% Change: -27.99% (Prev Turnover: 479)

💹 EOD Valuation

P/E Ratio: 11.69
P/B Ratio: 0.83
Market Cap: 3148 Rs. Cr.

Fundamental Data

Date: 05-09-2025

🏷️ Company Basics

Symbol: PATELENG
Market Cap: 3133 Rs. Cr.
Face Value: 1.00 Rs.

52 Week High: 62.80
52 Week Low: 33.65

All-Time High: 741.93 Rs.
All-Time Low: 6.56 Rs.

Stock Price Increase (% Return) %

% Return (1 mth |3 mth | 6 mth | 1 Yr | 3 Yrs | 5 Yrs):
4.76% | -10.22% | -11.87% | -34.14% | 16.32%

👥 Shareholding Pattern

Promoter Holding

Promoter Holding: 36.11%

Change (3Y | 1Y): -18.51% | 0.00%

Pledged %: 88.67%

FII Holding

FII Holding: 2.71%

Change (3Y | 1Y): 2.34% | -2.30%

DII Holding

DII Holding: 4.91%

Change (3Y | 1Y): -10.12% | 0.21%

Public Holding: 51.88%

🏦 Financial Strength

Debt to Equity: 0.43
Debt: 1615.24 Rs. Cr.

Book Value: 44.82 Rs.
Current Ratio: 1.55
Interest Coverage: 2.60
Free Cash Flow: 274.72 Rs. Cr.

📈 Growth & Sales

Sales Growth: 15.42%

Sales Growth Qtr (YOY | QoQ):
11.96% | -23.48%

Sales Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
14.24% | 14.64% | 15.42%

💰 Profit & Earnings

Profit Growth %

Profit Growth: 64.73%

Profit Growth Qtr (YOY | QoQ):
51.32% | 112.05%

Profit Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
178.98% | 57.63% | 64.73%

EPS Rs.

EPS (TTM): 3.19 Rs.

EPS Qtr (Last Year | Latest):
0.63 Rs. | 0.96 Rs.

EPS Annual (Last Annual | Annual March):
3.75 Rs. | 2.94 Rs.

EPS Growth Variation % (5 Yrs | 3 Yrs):
161.84% | 49.40%

Net Profit Rs. Cr.

Net Profit (TTM): 274.08 Rs. Cr.

Net Profit (Annual - March): 247.85 Rs. Cr.

Net Profit Qtr (Last Year Q | Previous Q | Latest Q):
54.73| 38.17 | 80.94

EBITDA Rs. Cr.

EBITDA (Quarter): 203.85 Rs. Cr.
EBITDA (Previous Yr Ql): 193.27 Rs. Cr.

EBITDA (Annual - March): 906.90 Rs. Cr.
EBITDA (Previous Annual): 777.14 Rs. Cr.

EBITDA (5 Yrs | 3 Yrs) %:
20.62% | 11.98%

📊 Profitability Ratios

Operating Margin (OPM)

OPM (TTM): 13.97%

OPM Qtr (Previous | Current):
13.55% | 13.40%

OPM Annual (5 Yrs | Last Yr | March):
14.68% | 15.19% | 14.70%

Return on Equity %

ROE: 10.40%

ROE (5 Yrs | 3 Yrs | Last Yr):
5.67% | 8.44% | 7.50%

Return on Capital Employed %

ROCE: 15.43%

ROCE (5 Yrs | 3 Yrs | Last Yr):
11.94% | 13.94% | 13.86%

Return on Assets %

ROA (TTM): 3.88%

ROA (5 Yrs | 3 Yrs | Last Yr):
1.75% | 2.85% | 2.55%

PEG Ratio: 0.14
Dividend Yield: 0.00%

PE 3 Yrs: 15.39
PE 5 Yrs: 15.81

Dividend Yield: 0.00%

👥 Company

Patel Engineering Ltd

PATELENG

Promoter Holding: %

PB Fintech Ltd (POLICYBZR)

📊 End of Day Bhavcopy

Date: 2025-09-09

Price: 1810.10
% Change: 0.62% (Prev Close: 1798.90)

Volume: 11,69,126
% Change: -29.37% (Prev Volume: 16,55,180)

Delivery: 5,83,168
Delivery % : 49.88
% Change: -51.58% (Prev Delivery: 12,04,407)

Turnover: 21,135 Lacs
% Change: -29.11% (Prev Turnover: 29,813)

💹 EOD Valuation

P/E Ratio: 219.94
P/B Ratio: 12.92
Market Cap: 83138 Rs. Cr.

Fundamental Data

Date: 05-09-2025

🏷️ Company Basics

Symbol: POLICYBZR
Market Cap: 81325 Rs. Cr.
Face Value: 2.00 Rs.

52 Week High: 2254.95
52 Week Low: 1311.35

All-Time High: 2254.95 Rs.
All-Time Low: 356.20 Rs.

Stock Price Increase (% Return) %

% Return (1 mth |3 mth | 6 mth | 1 Yr | 3 Yrs | 5 Yrs):
4.70% | -4.51% | 30.93% | 5.82% | 54.60%

👥 Shareholding Pattern

Promoter Holding

Promoter Holding: 0.00%

Change (3Y | 1Y): 0.00% | 0.00%

Pledged %: 0.00%

FII Holding

FII Holding: 46.78%

Change (3Y | 1Y): 27.05% | 0.85%

DII Holding

DII Holding: 23.27%

Change (3Y | 1Y): 15.19% | 0.32%

Public Holding: 29.65%

🏦 Financial Strength

Debt to Equity: 0.05
Debt: 322.22 Rs. Cr.

Book Value: 140.06 Rs.
Current Ratio: 5.13
Interest Coverage: 12.29
Free Cash Flow: -279.62 Rs. Cr.

📈 Growth & Sales

Sales Growth: 40.50%

Sales Growth Qtr (YOY | QoQ):
33.40% | -10.60%

Sales Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
45.20% | 51.73% | 40.50%

💰 Profit & Earnings

Profit Growth %

Profit Growth: 263.60%

Profit Growth Qtr (YOY | QoQ):
233.03% | -50.40%

Profit Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
23.21% | 33.51% | 263.60%

EPS Rs.

EPS (TTM): 8.23 Rs.

EPS Qtr (Last Year | Latest):
1.32 Rs. | 1.84 Rs.

EPS Annual (Last Annual | Annual March):
1.48 Rs. | 7.69 Rs.

EPS Growth Variation % (5 Yrs | 3 Yrs):
14.87% | 33.36%

Net Profit Rs. Cr.

Net Profit (TTM): 377.83 Rs. Cr.

Net Profit (Annual - March): 353.16 Rs. Cr.

Net Profit Qtr (Last Year Q | Previous Q | Latest Q):
59.98| 170.66 | 84.65

EBITDA Rs. Cr.

EBITDA (Quarter): 134.59 Rs. Cr.
EBITDA (Previous Yr Ql): 61.14 Rs. Cr.

EBITDA (Annual - March): 501.67 Rs. Cr.
EBITDA (Previous Annual): 192.51 Rs. Cr.

EBITDA (5 Yrs | 3 Yrs) %:
29.43% | 38.33%

📊 Profitability Ratios

Operating Margin (OPM)

OPM (TTM): 3.14%

OPM Qtr (Previous | Current):
7.48% | 2.55%

OPM Annual (5 Yrs | Last Yr | March):
-13.67% | -5.47% | 1.88%

Return on Equity %

ROE: 5.13%

ROE (5 Yrs | 3 Yrs | Last Yr):
-4.93% | -0.61% | 1.18%

Return on Capital Employed %

ROCE: 5.90%

ROCE (5 Yrs | 3 Yrs | Last Yr):
-6.21% | -0.20% | 1.75%

Return on Assets %

ROA (TTM): 4.43%

ROA (5 Yrs | 3 Yrs | Last Yr):
-6.38% | -0.87% | 0.99%

PEG Ratio: 6.43
Dividend Yield: 0.00%

PE 3 Yrs: 451.69
PE 5 Yrs: 451.69

Dividend Yield: 0.00%

👥 Company

PB Fintech Ltd

POLICYBZR

Promoter Holding: %

PC Jeweller Ltd (PCJEWELLER)

📊 End of Day Bhavcopy

Date: 2025-09-09

Price: 13.32
% Change: -1.91% (Prev Close: 13.58)

Volume: 2,63,66,727
% Change: -11.40% (Prev Volume: 2,97,57,883)

Delivery: 1,17,94,758
Delivery % : 44.73
% Change: 13.32% (Prev Delivery: 1,04,08,101)

Turnover: 3,531 Lacs
% Change: -12.77% (Prev Turnover: 4,047)

💹 EOD Valuation

P/E Ratio: 12.93
P/B Ratio: 1.37
Market Cap: 8758 Rs. Cr.

Fundamental Data

Date: 05-09-2025

🏷️ Company Basics

Symbol: PCJEWELLER
Market Cap: 8620 Rs. Cr.
Face Value: 1.00 Rs.

52 Week High: 19.65
52 Week Low: 10.21

All-Time High: 60.06 Rs.
All-Time Low: 0.78 Rs.

Stock Price Increase (% Return) %

% Return (1 mth |3 mth | 6 mth | 1 Yr | 3 Yrs | 5 Yrs):
-5.44% | 14.43% | 7.36% | 15.80% | 22.43%

👥 Shareholding Pattern

Promoter Holding

Promoter Holding: 39.38%

Change (3Y | 1Y): -15.15% | -0.60%

Pledged %: 0.00%

FII Holding

FII Holding: 6.29%

Change (3Y | 1Y): 5.17% | 1.39%

DII Holding

DII Holding: 8.66%

Change (3Y | 1Y): 7.17% | -0.44%

Public Holding: 45.68%

🏦 Financial Strength

Debt to Equity: 0.35
Debt: 2151.10 Rs. Cr.

Book Value: 9.74 Rs.
Current Ratio: 3.30
Interest Coverage: 6.83
Free Cash Flow: -633.15 Rs. Cr.

📈 Growth & Sales

Sales Growth: 173.56%

Sales Growth Qtr (YOY | QoQ):
80.71% | 3.70%

Sales Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
-15.48% | 11.83% | 173.56%

💰 Profit & Earnings

Profit Growth %

Profit Growth: 293.43%

Profit Growth Qtr (YOY | QoQ):
3.76% | 70.85%

Profit Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
47.49% | 51.50% | 293.43%

EPS Rs.

EPS (TTM): 1.03 Rs.

EPS Qtr (Last Year | Latest):
0.34 Rs. | 0.25 Rs.

EPS Annual (Last Annual | Annual March):
-1.35 Rs. | 0.91 Rs.

EPS Growth Variation % (5 Yrs | 3 Yrs):
34.11% | 45.53%

Net Profit Rs. Cr.

Net Profit (TTM): 583.55 Rs. Cr.

Net Profit (Annual - March): 577.70 Rs. Cr.

Net Profit Qtr (Last Year Q | Previous Q | Latest Q):
156.06| 94.78 | 161.93

EBITDA Rs. Cr.

EBITDA (Quarter): 210.28 Rs. Cr.
EBITDA (Previous Yr Ql): 90.20 Rs. Cr.

EBITDA (Annual - March): 521.80 Rs. Cr.
EBITDA (Previous Annual): -105.62 Rs. Cr.

EBITDA (5 Yrs | 3 Yrs) %:
-0.56% | 150.45%

📊 Profitability Ratios

Operating Margin (OPM)

OPM (TTM): 18.31%

OPM Qtr (Previous | Current):
20.75% | 17.56%

OPM Annual (5 Yrs | Last Yr | March):
8.25% | -28.14% | 17.58%

Return on Equity %

ROE: 12.66%

ROE (5 Yrs | 3 Yrs | Last Yr):
-2.93% | -2.18% | -18.99%

Return on Capital Employed %

ROCE: 6.53%

ROCE (5 Yrs | 3 Yrs | Last Yr):
3.07% | 3.37% | -1.74%

Return on Assets %

ROA (TTM): 7.37%

ROA (5 Yrs | 3 Yrs | Last Yr):
-1.60% | -1.25% | -8.43%

PEG Ratio: 0.29
Dividend Yield: 0.00%

PE 3 Yrs: 18.96
PE 5 Yrs: 17.75

Dividend Yield: 0.00%

👥 Company

PC Jeweller Ltd

PCJEWELLER

Promoter Holding: %

PCBL Chemical Ltd (PCBL)

📊 End of Day Bhavcopy

Date: 2025-09-09

Price: 383.85
% Change: -0.30% (Prev Close: 385.00)

Volume: 11,38,902
% Change: -1.65% (Prev Volume: 11,58,021)

Delivery: 6,85,085
Delivery % : 60.15
% Change: 49.19% (Prev Delivery: 4,59,189)

Turnover: 4,390 Lacs
% Change: -1.07% (Prev Turnover: 4,437)

💹 EOD Valuation

P/E Ratio: 35.28
P/B Ratio: 3.92
Market Cap: 14490 Rs. Cr.

Fundamental Data

Date: 05-09-2025

🏷️ Company Basics

Symbol: PCBL
Market Cap: 14025 Rs. Cr.
Face Value: 1.00 Rs.

52 Week High: 584.50
52 Week Low: 331.00

All-Time High: 584.50 Rs.
All-Time Low: 2.43 Rs.

Stock Price Increase (% Return) %

% Return (1 mth |3 mth | 6 mth | 1 Yr | 3 Yrs | 5 Yrs):
-3.51% | -7.61% | -1.80% | -24.73% | 38.53%

👥 Shareholding Pattern

Promoter Holding

Promoter Holding: 51.41%

Change (3Y | 1Y): 0.03% | 0.00%

Pledged %: 0.00%

FII Holding

FII Holding: 5.53%

Change (3Y | 1Y): -4.65% | -0.05%

DII Holding

DII Holding: 9.89%

Change (3Y | 1Y): 3.83% | 0.96%

Public Holding: 31.95%

🏦 Financial Strength

Debt to Equity: 1.51
Debt: 5571.33 Rs. Cr.

Book Value: 97.96 Rs.
Current Ratio: 0.96
Interest Coverage: 2.18
Free Cash Flow: -3.87 Rs. Cr.

📈 Growth & Sales

Sales Growth: 16.06%

Sales Growth Qtr (YOY | QoQ):
-1.38% | 1.27%

Sales Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
20.98% | 23.64% | 16.06%

💰 Profit & Earnings

Profit Growth %

Profit Growth: -17.76%

Profit Growth Qtr (YOY | QoQ):
-20.31% | -6.08%

Profit Growth Yrs. (5 Yrs | 3 Yrs | 1 Yr):
9.15% | 1.10% | -17.76%

EPS Rs.

EPS (TTM): 10.88 Rs.

EPS Qtr (Last Year | Latest):
3.13 Rs. | 2.49 Rs.

EPS Annual (Last Annual | Annual March):
13.01 Rs. | 11.51 Rs.

EPS Growth Variation % (5 Yrs | 3 Yrs):
7.18% | 1.10%

Net Profit Rs. Cr.

Net Profit (TTM): 410.85 Rs. Cr.

Net Profit (Annual - March): 434.67 Rs. Cr.

Net Profit Qtr (Last Year Q | Previous Q | Latest Q):
117.92| 100.19 | 94.10

EBITDA Rs. Cr.

EBITDA (Quarter): 324.85 Rs. Cr.
EBITDA (Previous Yr Ql): 369.15 Rs. Cr.

EBITDA (Annual - March): 1380.98 Rs. Cr.
EBITDA (Previous Annual): 1074.08 Rs. Cr.

EBITDA (5 Yrs | 3 Yrs) %:
23.32% | 27.11%

📊 Profitability Ratios

Operating Margin (OPM)

OPM (TTM): 15.49%

OPM Qtr (Previous | Current):
14.26% | 15.09%

OPM Annual (5 Yrs | Last Yr | March):
15.43% | 16.15% | 15.91%

Return on Equity %

ROE: 12.46%

ROE (5 Yrs | 3 Yrs | Last Yr):
15.72% | 14.79% | 16.15%

Return on Capital Employed %

ROCE: 11.82%

ROCE (5 Yrs | 3 Yrs | Last Yr):
15.70% | 14.48% | 14.16%

Return on Assets %

ROA (TTM): 3.76%

ROA (5 Yrs | 3 Yrs | Last Yr):
7.39% | 6.10% | 5.87%

PEG Ratio: 31.02
Dividend Yield: 1.48%

PE 3 Yrs: 21.05
PE 5 Yrs: 13.33

Dividend Yield: 1.48%

👥 Company

PCBL Chemical Ltd

PCBL

Promoter Holding: %