Company Deep Dive
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SBICARD.NS
SellFallen FavouriteSBI Cards and Payment Services Limited · Financial Services · India · $6.7B · Avg Vol: $19M/d
21
StockRankGet insider-trade alerts
Q
51
V
15
M
39
P/E (TTM)
28.0x
ROE
13.8%
D/E
2.8x
Dividend %
0.4%
COMPANY DESCRIPTION
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, central travel, utility, and corporate purchase and virtual cards.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 106.8B | 127.5B | 142.7B | 156.3B | 13.5% | 125.6B | 166.4B | 187.0B | 9.4% |
| EPS (INR) | 23.92 | 25.39 | 20.15 | 22.77 | -1.6% | 24.02 | 29.75 | 35.26 | 24.4% |
| Shares | 946.1M | 951.0M | 951.4M | 951.6M | +0.6% | 951.6M | — | — | — |
| Debt | 315.3B | 403.1B | 451.7B | 442.3B | 11.9% | 442.7B | — | — | — |
| Equity | 98.3B | 120.8B | 137.8B | 157.3B | 17.0% | — | — | — | — |
| Op CF | -66.7B | -56.5B | -21.4B | 4.9B | — | 5.0B | — | — | — |
| Inv CF | -9.2B | -12.5B | -24.9B | 2.5B | — | — | — | — | — |
| Fin CF | 78.2B | 84.0B | 46.9B | -11.7B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+1.2%
SMA 50SMA 200
Close
$7.00
RSI (14)
69.8
52W High
$10.07
From 52W High
0.7%
SCORE BREAKDOWN
Quality
51
ROIC (ROA)
3.3%*66.2
ROE
13.8%69.9
GP/Assets
4.6%52.1
Op. Margin
26.7%43.0
FCF/Assets
0.7%34.4
Piotroski
685.8
Int. Cover
—N/A
D/E Ratio
2.80x10.7
Current Ratio
—N/A
Value
15
P/E (TTM)
28.0x14.9
EV/EBITDA
—N/A
P/FCF
138.8x2.6
P/B
4.0x11.6
P/S
5.1x33.1
Div Yield
0.4%3.5
Momentum
39
52W High %
70%15.6
RS 6M
-2%50.2
SMA 50/200
0.91x10.5
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+49%73.0
Q Growth
20%51.9
FUNDAMENTALS
Market Cap
$6.7B
P/E (Forward)
18.8x
Gross Margin
24.7%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SBICARD.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SBICARD.NS | SBI Cards and Payment Services Limited(you) | $6.7B | 21 | Sell |
| SUNDARMFIN.NS | Sundaram Finance Limited | $5.5B | 17 | Strong Sell |
| HDBFS.NS | HDB Financial Services Limited | $6.0B | 31 | Sell |
| IREDA.NS | Indian Renewable Energy Development Agency Limited | $3.3B | 21 | Sell |
| POONAWALLA.NS | Poonawalla Fincorp Limited | $4.2B | 26 | Sell |
| IRFC.NS | Indian Railway Finance Corporation Limited | $11.3B | 11 | Strong Sell |
| LTF.NS | L&T Finance Limited | $8.2B | 36 | Hold |
| HUDCO.NS | Housing and Urban Development Corporation Limited | $3.8B | 30 | Sell |
| M&MFIN.NS | Mahindra & Mahindra Financial Services Limited | $5.5B | 39 | Hold |
| MUTHOOTFIN.NS | Muthoot Finance Limited | $12.3B | 32 | Sell |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 70.0%