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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₹566.60 - ₹964.95
Previous CloseN/A
Volume793.89K
Average Volume (3M)37.05K
Market Cap
₹628.27B
Enterprise Value₹996.67K
Total Cash (Recent Filing)₹39.83B
Total Debt (Recent Filing)₹471.76B
Price to Earnings (P/E)27.6
Beta1.00
Next Earnings
Oct 22, 2026EPS Estimate
6.11Next Dividend Ex-DateN/A
Dividend Yield0.38%
Share Statistics
EPS (TTM)23.90
Shares Outstanding951,642,500
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
₹686.50Price Target Upside-5.13% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)29.96
Revenue Forecast (FY)₹189.43B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthMulti-year, mostly double-digit top-line growth indicates durable expansion of the card base and spend per card. Over the medium term this supports scale advantages in underwriting, interchange and fee income, enabling reinvestment in customer acquisition and product offers.
Healthy Historical ROESustained mid-teens ROE shows the business converts equity into profitable lending and fee income at attractive rates. That persistent profitability supports balance sheet growth, capital formation and the economics of co‑brand/partner programs that drive customer acquisition.
Improving Cash Generation (FY2026)A pronounced FY2026 swing to positive operating and free cash flow signals improved collections, funding mix or receivables management. If sustained, this reduces reliance on external markets, supports deleveraging or reinvestment, and materially strengthens financial flexibility.
Bears Say
Elevated LeverageA debt-to-equity ratio above ~3x materially limits financial flexibility and raises sensitivity to interest rates or funding stress. For a card issuer this elevates refinancing and liquidity risk, constraining capital allocation and increasing volatility in downturns.
Volatile Historical Cash FlowsMulti-year negative operating and free cash flow through FY2025 implies recurring dependence on external funding. That pattern increases refinancing risk, hampers consistent investment, and makes long-term planning and reserve-building more difficult without proven cash conversion.
Earnings Quality & Margin PressureProfitability weakening despite revenue growth points to margin compression or higher credit/funding costs. Persistent earnings-quality pressure reduces retained earnings growth, complicates capital build and may erode the historical ROE advantage if cost or credit trends continue.
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 ₹566.60 and its highest was ₹964.95 in the past 12 months.
What is SBI Cards & Payment Services Ltd’s market cap?
SBI Cards & Payment Services Ltd’s market cap is ₹628.27B.
When is SBI Cards & Payment Services Ltd’s upcoming earnings report date?
SBI Cards & Payment Services Ltd’s upcoming earnings report date is Oct 22, 2026 which is in 74 days.
How were SBI Cards & Payment Services Ltd’s earnings last quarter?
SBI Cards & Payment Services Ltd released its earnings results on Jul 24, 2026. The company reported ₹6.98 earnings per share for the quarter, beating the consensus estimate of ₹6.933 by ₹0.047.
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 0.38%. 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 6.11.
How many shares outstanding does SBI Cards & Payment Services Ltd have?
SBI Cards & Payment Services Ltd has 951,642,500 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 ₹6.98 in its last earnings report, beating expectations of ₹6.933. Following the earnings report the stock price went down -0.45%.
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 functions as a non-banking financial company primarily focused on providing credit card services to both retail consumers and corporate clients throughout India. Beyond its core card issuance, the company also acts as a corporate insurance agent, facilitating the sale of insurance policies specifically to its credit card customers. Its extensive product portfolio includes corporate cards, central travel cards, utility cards, corporate purchase cards, and virtual cards. Founded in 1998, the firm maintains its headquarters in Gurugram, India, and operates as a subsidiary of the State Bank of India.
SBICARD Stock 12 Month Forecast
Average Price Target
₹686.50
▼(-5.13% Downside)
Technical Analysis
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