SBI Cards & Payment Services Ltd (IN:SBICARD)
:SBICARD
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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
₹614.02B
Enterprise Value₹1.03T
Total Cash (Recent Filing)₹33.33B
Total Debt (Recent Filing)₹492.25B
Price to Earnings (P/E)24.8
Beta0.88
Next Earnings
Jul 24, 2026EPS Estimate
6.78Next Dividend Ex-DateN/A
Dividend Yield0.29%
Share Statistics
EPS (TTM)20.16
Shares Outstanding951,600,300
10 Day Avg. Volume38,181
30 Day Avg. Volume37,050
Financial Highlights & Ratios
PEG Ratio2.15
Price to Book (P/B)3.85
Price to Sales (P/S)2.92
P/FCF Ratio3.84
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹655.00Price Target Upside-9.48% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering2
EPS Forecast (FY)29.89
Revenue Forecast (FY)₹192.04B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthSBI Card's consistent double-digit top-line growth builds a durable revenue base from interest, fees and interchange. Persistent receivables and spending growth support scale economics in underwriting, rewards and processing, enabling longer-term margin recovery and product investment.
SBI Bank Distribution AdvantageDistribution through SBI’s extensive branch and retail network plus co-branded partnerships lowers customer acquisition costs and boosts card penetration. This structural channel advantage supports persistent share gains, higher activation/spend rates and durable access to retail customers over months to years.
Historically High ROESustained mid-teens ROE indicates effective capital deployment and profitable underwriting long-term. Strong returns on equity help absorb funding costs and support incremental equity build-up, improving resilience and financing capacity for card receivables growth over the medium term.
Bears Say
Elevated LeverageSustained debt-to-equity above ~3x materially constrains financial flexibility, raising refinancing and liquidity risk if markets tighten or rates rise. High leverage magnifies earnings volatility from credit cycles and limits room for meaningful capital allocation or balance-sheet shock absorption over months to quarters.
Inconsistent Cash GenerationMulti-year negative OCF/FCF weakens self-funding of receivables and increases reliance on external funding, securitisation or parent support. While FY2026 shows a positive swing, the prior pattern raises execution and funding continuity risk until cash conversion proves consistently positive.
Earnings And Margin PressureDeclining net income and compressed margins despite revenue growth signal rising credit costs, higher acquisition/reward spending or funding expense pressure. Weaker earnings durability reduces buffer to build reserves, invest in growth or withstand credit cycles over the medium term.
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 ₹614.02B.
When is SBI Cards & Payment Services Ltd’s upcoming earnings report date?
SBI Cards & Payment Services Ltd’s upcoming earnings report date is Jul 24, 2026 which is in 73 days.
How were SBI Cards & Payment Services Ltd’s earnings last quarter?
SBI Cards & Payment Services Ltd released its earnings results on Apr 27, 2026. The company reported ₹6.4 earnings per share for the quarter, missing the consensus estimate of ₹6.793 by -₹0.393.
Is SBI Cards & Payment Services Ltd overvalued?
According to Wall Street analysts SBI Cards & Payment Services Ltd’s price is currently Overvalued.
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 6.78.
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 ₹6.4 in its last earnings report, missing expectations of ₹6.793. Following the earnings report the stock price went up 0.06%.
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
₹655.00
▼(-9.48% Downside)
Technical Analysis
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