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₹566.60 - ₹1,014.80
Previous CloseN/A
Volume793.89K
Average Volume (3M)37.05K
Market Cap
₹594.61B
Enterprise Value₹1.01T
Total Cash (Recent Filing)₹33.33B
Total Debt (Recent Filing)₹492.25B
Price to Earnings (P/E)27.5
Beta0.92
Next Earnings
Jul 24, 2026EPS Estimate
6.78Next Dividend Ex-DateN/A
Dividend Yield0.29%
Share Statistics
EPS (TTM)20.16
Shares Outstanding951,609,300
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
₹669.33Price Target Upside-7.50% Downside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)29.76
Revenue Forecast (FY)₹191.07B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthSBI Cards shows multi-year, mostly double-digit revenue growth culminating in ~11% in FY2026. Durable card spend expansion, growing cards-in-force and fee/interchange income support recurring topline growth, underpinning long-term earnings potential even if margins fluctuate.
Diversified Fee StreamsThe business captures interest on revolvers, card fees, interchange and co-brand economics. This multi-source model reduces dependence on any single revenue type, enabling resilience to shifts in consumer payment behavior and supporting stable cash generation as transaction volumes scale.
Historically Strong ROESustained mid- to high-teens ROE historically indicates efficient use of equity and profitable underwriting. Strong returns on capital support reinvestment and partner economics, making the franchise attractive for long-term growth despite cyclical pressures on margins or funding.
Bears Say
High LeverageLeverage materially above typical bank-card peers increases funding and refinancing risk. Elevated debt-to-equity reduces balance-sheet flexibility, magnifies earnings volatility from funding cost moves and credit cycles, and constrains ability to invest opportunistically during downturns.
Inconsistent Cash GenerationA multi-year pattern of negative operating and free cash flow weakens financial resilience and increases reliance on external funding. The FY2026 improvement is promising but unproven; inconsistent cash conversion raises structural risk for funding receivables and sustaining growth without higher leverage.
Earnings Quality PressureRevenue growth alongside declining net income and eroding margins suggests pressure from higher provisions, funding costs or promotional/discounting mix. This weakens earnings durability and implies profitability is sensitive to credit performance and cost-of-funds shifts 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 ₹566.60 and its highest was ₹1014.80 in the past 12 months.
What is SBI Cards & Payment Services Ltd’s market cap?
SBI Cards & Payment Services Ltd’s market cap is ₹594.61B.
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 34 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 951,609,300 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 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
₹669.33
▼(-7.50% Downside)
Technical Analysis
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