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

6 Followers

SBICARD Stock Chart & Stats

₹723.60

₹4.30(0.59%)

At close: Jan 08 4:00 PM EST

₹723.60

₹4.30(0.59%)

Day’s Range― - ―

52-Week Range₹525.25 - ₹936.00

Previous CloseN/A

Volume793.89K

Average Volume (3M)68.22K

Market Cap

₹518.65B

Enterprise Value₹990.29B

Total Cash (Recent Filing)₹39.83B

Total Debt (Recent Filing)₹471.76B

Price to Earnings (P/E)22.8

Beta1.07

Next Earnings

Jan 27, 2027

EPS Estimate

7.18

Next Dividend Ex-DateN/A

Dividend Yield0.46%

Share Statistics

EPS (TTM)23.90

Shares Outstanding951,643,800

10 Day Avg. Volume71,951

30 Day Avg. Volume68,215

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

₹675.00

Price Target Upside-6.72% Downside

Rating ConsensusHold

Number of Analyst Covering1

EPS Forecast (FY)29.94

Revenue Forecast (FY)₹187.35B

Bulls Say, Bears Say

Bulls Say

Consistent Revenue GrowthSustained revenue expansion indicates broadening card usage, customer activity, or monetization across the franchise rather than a single-period gain. Continued top-line growth can support operating scale, strengthen market position, and provide a foundation for earnings growth if credit costs remain controlled.

Healthy Returns On EquityHealthy returns on equity show that the company has continued to generate meaningful profitability from its capital base despite elevated leverage. This supports the quality of the underlying card franchise and indicates that retained capital has been deployed productively, although future returns must remain resilient.

FY2026 Cash-flow RecoveryThe move to strong positive operating and free cash flow improves near-term financial flexibility and can reduce reliance on external funding for growth. If sustained, stronger internal cash generation would support investment in customer acquisition and servicing while improving resilience across the credit cycle.

Bears Say

Elevated LeverageDebt-to-equity above 3.0x leaves the company with less flexibility to absorb credit deterioration or weaker growth. High leverage can also increase dependence on funding markets and constrain capital allocation, making balance-sheet resilience an important limitation even with healthy returns on equity.

Volatile Cash GenerationSeveral consecutive years of negative operating and free cash flow indicate that the recent recovery is not yet fully proven through the cycle. This inconsistency can increase reliance on funding markets, limit flexibility during stress, and make internally funded expansion less dependable over the coming periods.

Weaker Earnings QualityProfit growth has not kept pace with revenue in the latest period, while margin moderation from earlier peaks points to weaker earnings conversion. If this pattern persists, the company may gain scale without equivalent profit expansion, reducing the durability of returns and limiting operating leverage.

SBI Cards & Payment Services Ltd News

SBI Cards Vests Over 187,000 Shares Under 2023 ESOP Plan

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

7d ago

SBI Cards Engages Global Investors in Gurugram Analyst Meet

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

1M ago

SBI Cards AGM Clears All Resolutions With Strong Shareholder Support

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

2M ago

SBI Cards goes fully digital for FY26 annual report and AGM access

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

3M ago

SBI Cards Sets August 31 Virtual AGM, Publishes Regulatory Notices

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

3M ago

SBI Cards Shuts Trading Window Ahead of June-Quarter Results

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

4M ago

SBI Cards Posts Q4 FY26 Earnings Call Transcript for Investors

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

6M ago

SBI Cards Allots 5,138 Shares Under Employee Stock Option Plans

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

6M ago

SBI Cards Receives ESG Score of 71 from SEBI-Registered Rater

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

7M ago

SBI Cards Issues 5,530 Shares on Employee Stock Option Exercise

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

7M 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 ₹525.25 and its highest was ₹936.00 in the past 12 months.

What is SBI Cards & Payment Services Ltd’s market cap?

SBI Cards & Payment Services Ltd’s market cap is ₹518.65B.

When is SBI Cards & Payment Services Ltd’s upcoming earnings report date?

SBI Cards & Payment Services Ltd’s upcoming earnings report date is Jan 27, 2027 which is in 94 days.

How were SBI Cards & Payment Services Ltd’s earnings last quarter?

SBI Cards & Payment Services Ltd released its earnings results on Oct 23, 2026. The company reported ₹8.17 earnings per share for the quarter, beating the consensus estimate of ₹7.293 by ₹0.877.

Is SBI Cards & Payment Services Ltd overvalued?

According to Wall Street analysts SBI Cards & Payment Services Ltd’s price is currently Overvalued. 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 0.46%. 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 7.18.

How many shares outstanding does SBI Cards & Payment Services Ltd have?

SBI Cards & Payment Services Ltd has 951,643,800 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 ₹8.17 in its last earnings report, beating expectations of ₹7.293. Following the earnings report the stock price went down -3.727%.

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.

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

Historic Earnings Reports

SBICARD Stock 12 Month Forecast

Average Price Target

₹675.00

▼(-6.72% Downside)

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Detailed Analyst Forecast >