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SBI Cards & Payment Services Ltd

SBI Cards & Payment Services

Large Cap•3,829 Employees•IPO 2020
Current Price
₹715.35
-5.35 (-0.74%)Updated
NSE :SBICARD
BSE :543066
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
32.76vs 19.20
P/B Ratio
4.63vs 2.16
Div Yield
0.29%vs 0.57%
Today's Range
₹715.00
₹715.35
union icon
₹732.10
52 Week Range
52W Low₹693.00
52W High₹1027.25
₹715.35
union icon
Downside3.23%
Upside43.60%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

Loading chart...

Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹74,052.39 Cr
Market Cap
Total market value of company
P/E Ratio
35.40
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
5.64
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹21.96
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
6.85%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
10.40%
ROCE
Return on Capital Employed. >15% is good
Net Margin
10.65%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
8.79%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
14.27%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
12.20%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
9.98%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.28
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹144.86
Book Value
Net asset value per share
Dividend Yield
0.29%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
68.60%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Robust 68.6% promoter holding signals strong confidence and stability.
  • •Healthy ROE of 14.80% and OPM of 27.50% indicate efficient operations.

Weaknesses

5 points
  • •High debt-to-equity ratio of 3.28 indicates significant reliance on borrowed capital.
  • •Elevated P/E ratio of 44.10 suggests potential overvaluation compared to peers.

Opportunities

3 points
  • •Credit card market expansion driven by digitalization and consumer spending.
  • •Expansion into untapped tier-2/3 cities for customer acquisition and market share.

Threats

4 points
  • •Intensifying competition from NBFCs and banks pressures margins and market share.
  • •Adverse regulatory changes in credit card operations could impact business model.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹760.83+₹45.48+6.36%
R3₹743.73+₹28.38+3.97%
R2₹737.92+₹22.57+3.15%
R1₹726.63+₹11.28+1.58%
PIVOT₹720.825.470.76%
CURRENT₹715.35--
S1₹675.33-₹40.02-5.59%
S2₹692.43-₹22.92-3.20%
S3₹703.72-₹11.63-1.63%
S4₹709.53-₹5.82-0.81%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
1.65M
(09 Mar 2026)
+16.3% vs avg
Delivery %
51.1%
(09 Mar 2026)
+0.6% vs avg
Avg Volume (20D)
1.42M
(09 Feb - 09 Mar)
20-day average
Avg Delivery %
50.6%
(09 Feb - 09 Mar)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Poonawalla Fincorp Ltd
116.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %

Peer Comparison

Company Name
BAJFINANCE
Bajaj Finance Ltd
CHOLAFIN
Cholamandalam Investment & Finance Company Ltd
CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
HDBFS
HDB Financial Services Ltd
LTF
L&T Finance Ltd
MANAPPURAM
Manappuram Finance Ltd
M&MFIN
Mahindra & Mahindra Financial Services Ltd
MUTHOOTFIN
Muthoot Finance Ltd
POONAWALLA
Poonawalla Fincorp Ltd
SHRIRAMFIN
Shriram Finance Ltd
SUNDARMFIN
Sundaram Finance Ltd
TATACAP

About

SBICARD

SBI Cards & Payment Services Ltd

SBI Cards and Payment Services Limited (SBICARD) is a prominent non-banking financial company (NBFC) operating primarily in India's credit card market. Its core business revolves around issuing various types of credit cards to both individual and corporate clients. This forms the foundation of their revenue generation and market presence within the Indian financial landscape.

The company's offerings extend beyond basic credit cards to encompass a diverse portfolio of products catering to specific customer needs. These include corporate cards designed for business expenses, central travel cards offering convenient travel payment solutions, utility cards simplifying bill payments, and purchase and virtual cards for enhanced online security and transaction management. This diversification strategy allows SBICARD to tap into multiple market segments and broaden its customer base.

Beyond credit card issuance, SBICARD has leveraged its customer relationships to expand into ancillary services. A significant aspect of their business involves acting as a corporate insurance agent. This allows them to offer various insurance policies directly to their credit card customers, creating additional revenue streams and fostering deeper customer engagement. This integrated approach enhances customer loyalty and provides a more comprehensive financial solution.

SBICARD's extensive network and established brand recognition, stemming from its association with State Bank of India (SBI), a major Indian public sector bank, provides a strong foundation for its operations. This affiliation lends credibility and trust, enhancing their customer acquisition efforts and contributing to their overall market success. The company’s history, dating back to its incorporation in 1998, speaks to its longevity and experience within the rapidly evolving Indian financial services industry.

In summary, SBICARD’s business model centers around credit card issuance, complemented by ancillary services such as insurance brokerage. Their diversified product offerings, strong brand association, and established market presence solidify their position as a key player in the Indian credit card market. Their ongoing focus on innovation and expansion within the financial services sector ensures their continued relevance and growth.

COMPANY FACTS - SBICARD

Registered Address

Unit 401 & 402, 04th Floor,, Aggarwal Millennium Tower,, E-1,2,3 Netaji Subhash Place,Wazirpur

New Delhi

DELHI

IN

Tel: 18001801290

Website:https://www.sbicard.com/

Investor Relations:http://www.sbicard.com/en/who-we-are/investor-relations.page
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 3,829

IPO Date: 16/03/2020

MANAGEMENT - SBICARD

Shri. Challa Setty

Chairman of the Board, Nominee Director

Smt. Salila Pande

Chief Executive Officer, Managing Director, Executive Director

Ms. Rashmi Mohanty

Executive Vice President, Chief Financial Officer

Mr. Ashutosh Sharma

Chief Operating Officer

Mr. Pradeep Khurana

Executive Vice President, Chief Information and Digital Officer

Mr. Girish Budhiraja

Executive Vice President, Chief Sales and Marketing Officer

Ms. Payal Chhabra

Executive Vice President, Chief Compliance Officer, Company Secretary

Mr. Shantanu Srivastava

Executive Vice President, Chief Risk Officer

Mr. Manish Dewan

Executive Vice President, Head - Customer Services

Ms. Nandini Malhotra

Executive Vice President, Chief Credit Officer

Mr. Ved Prakash

Executive Vice President, Head – Internal Audit

Mr. Vishal Singh

Executive Vice President, Head - Consumer Sales

Investor Questions Answered

SBI Cards & Payment Services Ltd (SBICARD) Stock FAQs

Get answers to the most common questions about SBI Cards & Payment Services Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of SBI Cards & Payment Services Ltd (SBICARD) is ₹715.35. Today, the stock has declined by ₹5.35 (0.74%), trading in a range of ₹715 to ₹732.1. The stock opened at ₹723.1 with a trading volume of 3,67,630 shares.
SBI Cards & Payment Services Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹74,052.39 crores, P/E ratio of 35.40, ROE of 6.85%, and ROCE of 10.40%. The dividend yield stands at 0.29%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of SBI Cards & Payment Services Ltd (SBICARD) is ₹1,027.25, while the 52-week low is ₹693. Currently trading at ₹715.35, the stock is 6.7% away from its 52-week low and 30.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy SBI Cards & Payment Services Ltd stock at ₹715.35 depends on multiple factors. The stock is currently trading with a P/E ratio of 35.40 and P/B ratio of N/A. Today's performance shows a loss of 0.74%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
SBI Cards & Payment Services Ltd offers a dividend yield of 0.29%, which means for every ₹100 invested at the current price of ₹715.35, you can expect to receive approximately ₹0.29 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
SBI Cards & Payment Services Ltd's key financial metrics include: P/E Ratio: 35.40, P/B Ratio: N/A, ROE: 6.85%, ROCE: 10.40%, Dividend Yield: 0.29%, EPS: ₹21.96, Book Value: ₹144.86, Debt-to-Equity: 3.28, and Current Ratio: N/A. The company's market cap stands at ₹74,052.39 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
SBI Cards & Payment Services Ltd stock opened at ₹723.1 and is currently trading at ₹715.35, showing a decline of ₹5.35 (0.74%). The intraday high is ₹732.1 and low is ₹715. The trading volume stands at 3,67,630 shares, indicating moderate market participation today.
SBI Cards & Payment Services Ltd has a Price-to-Earnings (P/E) ratio of 35.40, which means investors are willing to pay ₹35.40 for every ₹1 of earnings. With an EPS of ₹21.96, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
SBI Cards & Payment Services Ltd has a market capitalization of ₹74,052.39 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹715.35) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
SBI Cards & Payment Services Ltd has a book value of ₹144.86 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹715.35, which is 393.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
SBI Cards & Payment Services Ltd has a Return on Equity (ROE) of 6.85% and Return on Capital Employed (ROCE) of 10.40%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
SBI Cards & Payment Services Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
SBI Cards & Payment Services Ltd has a debt-to-equity ratio of 3.28, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
SBI Cards & Payment Services Ltd has an Earnings Per Share (EPS) of ₹21.96, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹715.35 and P/E ratio of 35.40, investors are paying 35.40 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
SBI Cards & Payment Services Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
SBI Cards & Payment Services Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze SBI Cards & Payment Services Ltd stock, consider: 1) Fundamental Analysis - Review P/E (35.40), ROE (6.85%), debt-to-equity (3.28), and growth rates. 2) Technical Analysis - Check 52-week range (₹693.00 - ₹1027.25), moving averages, and chart patterns. 3) Valuation - Compare current price (₹715.35) with book value (₹144.86) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of SBI Cards & Payment Services Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹715.35 is 7054x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in SBI Cards & Payment Services Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹693.00 - ₹1027.25). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.28 indicates leverage. 4) Liquidity Risk - Based on trading volume of 3,67,630 shares. 5) Valuation Risk - P/E of 35.40 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
SBI Cards & Payment Services Ltd operates in the industry with key metrics: P/E ratio of 35.40, ROE of 6.85%, market cap of ₹74,052.39 crores, and dividend yield of 0.29%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.28), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for SBI Cards & Payment Services Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹715.35, with a 52-week range of ₹693.00 to ₹1027.25. Based on fundamentals like P/E (35.40), ROE (6.85%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling SBI Cards & Payment Services Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹715.35. 2) Fundamental Deterioration - Declining ROE (currently 6.85%), increasing debt (D/E: 3.28), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for SBI Cards & Payment Services Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.29%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.