SBI Cards & Payment Services Ltd (SBICARD) Price & Analysis

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SBICARD Stock Chart & Stats

₹760.50

₹4.30(0.59%)

At close: Jan 08 4:00 PM EST

₹760.50

₹4.30(0.59%)

Day’s Range― - ―

52-Week Range₹725.55 - ₹1,023.05

Previous CloseN/A

Volume793.89K

Average Volume (3M)37.05K

Market Cap

₹723.68B

Enterprise Value₹1.19T

Total Cash (Recent Filing)₹22.66B

Total Debt (Recent Filing)₹461.80B

Price to Earnings (P/E)34.6

Beta0.82

Next Earnings

Apr 24, 2026

EPS Estimate

6.79

Next Dividend Ex-DateN/A

Dividend Yield0.29%

Share Statistics

EPS (TTM)5.85

Shares Outstanding951,585,500

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

₹868.33

Price Target Upside14.18% Upside

Rating ConsensusHold

Number of Analyst Covering3

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Market Position & ParentageBeing a leading issuer and an SBI subsidiary provides durable scale, brand trust and privileged distribution access to SBI’s large retail customer base. This structural advantage supports customer acquisition, cross‑sell and lower marketing costs versus smaller rivals over multiple years.

Sustained Revenue GrowthMaterial multi‑year revenue expansion shows the business can scale transaction volumes and balances. Sustained top‑line growth supports ongoing investment in products, technology and partnerships, enabling long‑term market share gains and potential operating leverage despite cyclical headwinds.

High Gross Margins & Diversified FeesVery strong gross margins combined with multiple fee streams (interest, annual fees, interchange, co‑brand economics) create resilient core profitability. Diversified revenue reduces dependence on any single line and supports margin sustainability if origination volumes or pricing dynamics shift.

Bears Say

High LeverageElevated and rising debt reliance increases financial vulnerability to interest rate cycles and funding stress. High leverage limits financial flexibility for organic investment or shock absorption, raising refinancing and credit cost sensitivity over the medium term for a lending‑heavy franchise.

Negative Free Cash FlowPersistent negative free cash flow despite improving operating cash flow signals structural cash generation issues, likely from funding growth and capex. Reliance on external financing to fund operations constrains intrinsic liquidity and increases execution risk for expansion plans.

Eroding Net MarginA falling net margin despite rising revenue suggests rising credit costs, operating expenses or funding expense pressure. If persistent, margin compression undermines return on equity and reinvestment capacity, weakening long‑term shareholder returns absent cost or pricing remediation.

SBI Cards & Payment Services Ltd News

SBI Card Publishes Audio Recording of Q3 FY26 Earnings Call

SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) has provided an update. SBI Cards & Payment Services...

22d ago

SBI Cards Allots 8,096 Shares Under 2023 Employee Stock Option Plan

An announcement from SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) is now available. SBI Cards and...

23d ago

SBI Cards Files SEBI Regulation 74(5) Confirmation, Reports No Demat Requests in Q3 FY26

SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) has provided an update. SBI Cards and Payment Services...

1M ago

SBI Cards Receives ESG Rating of 78 from NSE Sustainability Ratings

SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) just unveiled an announcement. SBI Cards and Payment Services...

1M ago

SBI Cards Allots 29,896 Shares on Employee Stock Option Exercise

The latest update is out from SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ). SBI Cards and...

2M ago

SBI Cards Engages with Investors and Analysts in JP Morgan Call

SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) just unveiled an announcement. SBI Cards and Payment Services...

2M ago

SBI Cards Engages with Investors in JP Morgan-Hosted Call

SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) has provided an update. SBI Cards and Payment Services...

2M ago

Sell Rating for SBI Cards & Payment Services Ltd Due to Declining Revolver Ratio and Structural Challenges

Pranav Dheeeraj Gundlapalle, an analyst from Bernstein, maintained the Sell rating on SBI Cards & Payment Services Ltd....

2M ago

SBI Cards Appoints New Independent Director to Strengthen Governance

SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) just unveiled an update. SBI Cards & Payment Services...

2M ago

SBI Cards Announces Q2 FY26 Earnings Call

SBI Cards & Payment Services Ltd ( ($IN:SBICARD) ) has provided an announcement. SBI Cards and Payment Services...

4M ago

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 ₹725.55 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 ₹723.68B.

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 64 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. Get more investment ideas with TipRanks Premium

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 951,585,500 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.

SBI Cards & Payment Services Ltd (SBICARD) Earnings & Revenues

Historic Earnings Reports

SBICARD Stock 12 Month Forecast

Average Price Target

₹868.33

▲(14.18% Upside)

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<span style=\"color:#828080\" class=\"mb3 mt2 fonth8_semibold\"> Hold</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 7,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 6</span>\n      ","marker":{"lineColor":"#828080","enabled":true,"symbol":"circle"}},{"y":837.85,"date":1740787200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Moderate Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 8,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 5, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 5</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":861.85,"date":1743465600000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            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Detailed Analyst Forecast >