SBI Cards & Payment Services Ltd (IN:SBICARD)
:SBICARD
SBICARD Stock Chart & Stats
₹723.60
₹4.30(0.59%)
At close: 4:00 PM EST
₹723.60
₹4.30(0.59%)
Day’s Range― - ―
52-Week Range₹615.20 - ₹1,023.05
Previous CloseN/A
Volume793.89K
Average Volume (3M)37.05K
Market Cap
₹636.38B
Enterprise Value₹1.07T
Total Cash (Recent Filing)₹33.33B
Total Debt (Recent Filing)₹492.25B
Price to Earnings (P/E)36.8
Beta0.84
Next Earnings
Apr 24, 2026EPS Estimate
6.79Next Dividend Ex-DateN/A
Dividend Yield0.29%
Share Statistics
EPS (TTM)5.85
Shares Outstanding951,600,300
10 Day Avg. Volume38,181
30 Day Avg. Volume37,050
Financial Highlights & Ratios
PEG Ratio-2.07
Price to Book (P/B)5.95
Price to Sales (P/S)4.70
P/FCF Ratio-37.35
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹875.00Price Target Upside20.92% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)31.82
Revenue Forecast (FY)₹195.71B
Bulls Say, Bears Say
Bulls Say
Sustained Revenue Growth & High Gross MarginsMulti-year revenue expansion with a very high gross margin demonstrates scalable core economics. Sustained growth in receivables and card spend plus strong gross margins support reinvestment in products and underwriting, improving structural profitability and competitive scale over months.
Exclusive Distribution Via SBI Bank NetworkPrimary distribution through SBI’s large bank network provides a durable customer acquisition moat: lower acquisition costs, steady access to retail customers, and advantaged co‑brand placement. This structural channel edge supports consistent card growth and lower long‑run CAC.
Improving Returns On EquityAn improving ROE reflects better utilization of shareholder equity and operational leverage as the business scales. Higher returns suggest management is extracting more profit per unit of equity, strengthening capital efficiency and resilience versus peers over the medium term.
Bears Say
High Reliance On Debt FinancingElevated leverage increases sensitivity to interest rate moves and funding shocks, constraining financial flexibility. Reliance on debt limits the firm's ability to absorb credit losses or scale rewards and marketing without raising costs or additional funding over the coming months.
Persistent Negative Free Cash FlowOngoing negative free cash flow forces dependence on external financing and working‑capital funding, heightening refinancing and liquidity risk. This structural cash deficit can limit capacity for deleveraging, capital return or margin support if credit costs rise.
Declining Net Profit MarginA falling net margin implies rising operating, credit or funding costs that erode conversion of revenue into earnings. Over time this reduces retained earnings and capital build, increasing vulnerability to adverse credit cycles and pressuring sustainable ROE and investment capacity.
SBI Cards & Payment Services Ltd News
SBICARD FAQ
What was SBI Cards & Payment Services Ltd’s price range in the past 12 months?
SBI Cards & Payment Services Ltd lowest stock price was ₹615.20 and its highest was ₹1023.05 in the past 12 months.
What is SBI Cards & Payment Services Ltd’s market cap?
SBI Cards & Payment Services Ltd’s market cap is ₹636.38B.
When is SBI Cards & Payment Services Ltd’s upcoming earnings report date?
SBI Cards & Payment Services Ltd’s upcoming earnings report date is Apr 24, 2026 which is in 13 days.
How were SBI Cards & Payment Services Ltd’s earnings last quarter?
SBI Cards & Payment Services Ltd released its earnings results on Jan 28, 2026. The company reported ₹5.85 earnings per share for the quarter, missing the consensus estimate of ₹6.265 by -₹0.415.
Is SBI Cards & Payment Services Ltd overvalued?
According to Wall Street analysts SBI Cards & Payment Services Ltd’s price is currently Undervalued.
Does SBI Cards & Payment Services Ltd pay dividends?
SBI Cards & Payment Services Ltd pays a Annually dividend of ₹2.5 which represents an annual dividend yield of 0.29%. See more information on SBI Cards & Payment Services Ltd dividends here
What is SBI Cards & Payment Services Ltd’s EPS estimate?
SBI Cards & Payment Services Ltd’s EPS estimate is 6.79.
How many shares outstanding does SBI Cards & Payment Services Ltd have?
SBI Cards & Payment Services Ltd has 951,600,300 shares outstanding.
What happened to SBI Cards & Payment Services Ltd’s price movement after its last earnings report?
SBI Cards & Payment Services Ltd reported an EPS of ₹5.85 in its last earnings report, missing expectations of ₹6.265. Following the earnings report the stock price went up 1.453%.
Which hedge fund is a major shareholder of SBI Cards & Payment Services Ltd?
Currently, no hedge funds are holding shares in IN:SBICARD
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
SBI Cards & Payment Services Ltd
SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. The company also acts as corporate insurance agent for selling insurance policies to credit card customers. It offers corporate cards, central travel cards, utility cards, and corporate purchase and virtual cards. The company was incorporated in 1998 and is based in Gurugram, India. SBI Cards and Payment Services Limited is a subsidiary of State Bank of India.
SBICARD Stock 12 Month Forecast
Average Price Target
₹875.00
▲(20.92% Upside)
Technical Analysis
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