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SBI Cards & Payment Services
SBI Cards & Payment Services Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for SBI Cards & Payment Services Ltd, framed against the sector median so the premium or discount is obvious at a glance.
SBI Cards & Payment Services Ltd trades at a P/E of 35.40×, against the Financials sector median P/E of 17.13×.
Valuation
Profitability
Growth
Financial Health
SBI Cards & Payment Services Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for SBI Cards & Payment Services Ltd, switchable between annual and quarterly views, consolidated or standalone.
SBI Cards & Payment Services Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹74,052.386 Cr and reported EPS of ₹21.96.
SBI Cards & Payment Services Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy SBI Cards & Payment Services Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
SBI Cards & Payment Services Ltd's investment case rests on 8 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
Robust 68.6% promoter holding signals strong confidence and stability.
Healthy ROE of 14.80% and OPM of 27.50% indicate efficient operations.
Consistent 12.20% quarterly sales growth reflects underlying business strength.
Increasing FII/DII holdings (10.10%/17.76%) reflect growing institutional investor confidence.
Strong 5-year revenue growth of 14.27% demonstrates consistent business expansion.
What can break it.
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.
Trailing twelve-month EPS growth declined by -13.31% year-over-year.
Negative 52-week stock return of -8.43% indicates recent underperformance.
Low dividend yield of 0.26% may not attract income-focused investors.
What would change my mind.
Trim if P/E re-rates above 46 (~2.7× the sector multiple of 17.1). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 3.78. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
SBI Cards & Payment Services Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — SBI Cards & Payment Services Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
 Akme Fintrade (India) Ltd |
 Arman Financial Services Ltd |
 Avonmore Capital & Management Services Ltd |
 Baid Finserv Ltd |
 Bajaj Finance Ltd |
 Capital Trust Ltd |
 Capri Global Capital Ltd |
 Cholamandalam Investment & Finance Company Ltd |
 CP Capital Limited |
 Crest Ventures Ltd |
 CSL Finance Ltd |
 Dhunseri Investments Ltd |
 Fedbank Financial Services Ltd |
 Five-Star Business Finance Ltd |
 HB Stockholdings Ltd |
 IIFL Finance Ltd |
 Indostar Capital Finance Ltd |
 L&T Finance Ltd |
 Manappuram Finance Ltd |
 Manba Finance Ltd |
 MAS Financial Services Ltd |
 Mahindra & Mahindra Financial Services Ltd |
 Mufin Green Finance Ltd |
 Muthoot Capital Services Ltd |
 Muthoot Finance Ltd |
 Northern ARC Capital Ltd |
 Paisalo Digital Ltd |
 PTC India Financial Services Ltd |
 Poonawalla Fincorp Ltd |
 SBFC Finance Ltd |
SBI Cards & Payment Services LtdCurrent Stock |
 Shriram Finance Ltd |
 Starteck Finance Ltd |
 Sundaram Finance Ltd |
 |
 Transwarranty Finance Ltd |
 TruCap Finance Ltd |
 Ugro Capital Ltd |
 Viji Finance Ltd |
SBI Cards & Payment Services Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for SBI Cards & Payment Services Ltd — derived from the live tape, not yesterday's close.
SBI Cards & Payment Services Ltd last traded at ₹596.55 with an intraday range of ₹594.45–₹608 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹596.55| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 631.98 | +35.43 | +5.94% |
| R3 | 618.43 | +21.88 | +3.67% |
| R2 | 613.22 | +16.67 | +2.79% |
| R1 | 604.88 | +8.33 | +1.40% |
| PIVOT | 599.67 | 3.12 | 0.52% |
| CURRENT | 596.55 | — | — |
| S1 | 564.23 | -32.32 | -5.42% |
| S2 | 577.78 | -18.77 | -3.15% |
| S3 | 586.12 | -10.43 | -1.75% |
| S4 | 591.33 | -5.22 | -0.87% |
SBICARD is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 598.25 ~ 608
Trading Inside opening range
SBI Cards & Payment Services Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for SBI Cards & Payment Services Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in SBI Cards & Payment Services Ltd stood at 44.2% of traded volume, against a 20-day average of 43.9%.
SBI Cards & Payment Services announcements: results, concalls, ratings, M&A.
Filings SBI Cards & Payment Services sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
SBI Cards & Payment Services dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue SBI Cards & Payment Services has declared, sequenced by announce and record date.
SBI Cards & Payment Services corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
SBI Cards & Payment Services segment analysis: revenue and profit mix.
Disclosed business segments at SBI Cards & Payment Services with their share of revenue and profit, switchable between consolidated and standalone reporting.
SBI Cards & Payment Services discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
About SBI Cards & Payment Services Ltd: business, sector, key facts.
What SBI Cards & Payment Services Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
SBI Cards & Payment Services Ltd operates in the Consumer Finance industry under the Financials sector, listed as NSE: SBICARD, BSE: 543066.
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.
Questions investors ask about SBI Cards & Payment Services Ltd (SBICARD).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of SBI Cards & Payment Services Ltd (SBICARD)?
The current share price of SBI Cards & Payment Services Ltd (SBICARD) is ₹596.55. Today, the stock has declined by ₹8.95 (1.48%), trading in a range of ₹594.45 to ₹608. The stock opened at ₹608 with a trading volume of 11,51,872 shares.
02Is SBI Cards & Payment Services Ltd stock a good investment for long-term?
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.
03What is the 52-week high and low price of SBI Cards & Payment Services Ltd stock?
The 52-week high price of SBI Cards & Payment Services Ltd (SBICARD) is ₹1,027.25, while the 52-week low is ₹596.45. Currently trading at ₹596.55, the stock is 0.0% away from its 52-week low and 41.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy SBI Cards & Payment Services Ltd stock at the current price?
Whether to buy SBI Cards & Payment Services Ltd stock at ₹596.55 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 1.48%. 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.
05What is the dividend yield of SBI Cards & Payment Services Ltd and when is the next dividend?
SBI Cards & Payment Services Ltd offers a dividend yield of 0.29%, which means for every ₹100 invested at the current price of ₹596.55, 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.
06What are the key financial ratios and metrics of SBI Cards & Payment Services Ltd?
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.
07How is SBI Cards & Payment Services Ltd stock performing today in the market?
SBI Cards & Payment Services Ltd stock opened at ₹608 and is currently trading at ₹596.55, showing a decline of ₹8.95 (1.48%). The intraday high is ₹608 and low is ₹594.45. The trading volume stands at 11,51,872 shares, indicating strong market participation today.
08What is the P/E ratio of SBI Cards & Payment Services Ltd and what does it indicate?
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.
The data, ratios and commentary about SBI Cards & Payment Services Ltd (SBICARD) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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