SBI Cards and Payment Services Limited
SBICARD · General/Diversified · NSE
₹589
Current Market Price
Fair Value (P/B + Residual Income)
₹550
Discount to FV
-6.6%
Updated just now
YieldIQ Score
43/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
90%
ROE
13.9%
Debt/Equity
3.28
Cost of Equity
9.8%
Market Cap
₹56,093 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
8.9%
Return on capital employed
Revenue CAGR (3Y)
6.3%
3-year revenue growth
Revenue CAGR (5Y)
7.5%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹589.45
Bear case
Margin of Safety -112.7%
Implied upside -53.0%
Base case
Margin of Safety -7.6%
Implied upside -7.1%
Bull case
Margin of Safety +15.0%
Implied upside +17.6%
Ratio Trends
SBICARD · last 6 annual periods
ROE
13.9%
ROCE
3.7%
Operating Margin
—
Debt / Equity
3.28×
PE
118.1×
EV / EBITDA
—
Historical Financials
SBICARD · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹10.7K Cr | ₹10.7K Cr | ₹12.8K Cr | ₹14.8K Cr | ₹16.4K Cr | +11.4% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹3199 Cr | ₹4678 Cr | ₹5827 Cr | — | — | +16.2% |
| PAT | ₹1616 Cr | ₹2258 Cr | ₹2408 Cr | ₹1916 Cr | ₹2167 Cr | +7.6% |
| EPS (diluted) | ₹17.02 | ₹23.80 | ₹25.37 | — | — | +10.5% |
| CFO | ₹-4391 Cr | ₹-6671 Cr | ₹-5653 Cr | ₹-2140 Cr | ₹493 Cr | — |
| CapEx | ₹-99.9 Cr | ₹-93.4 Cr | ₹-74.5 Cr | ₹-55.8 Cr | ₹-33.6 Cr | — |
| FCF | ₹-4491 Cr | ₹-6764 Cr | ₹-5728 Cr | ₹-2196 Cr | ₹459 Cr | — |
| Total Assets | ₹34.6K Cr | ₹45.5K Cr | ₹58.2K Cr | ₹65.5K Cr | ₹66.3K Cr | +17.6% |
| Total Debt | ₹14.7K Cr | ₹31.5K Cr | ₹40.3K Cr | ₹45.2K Cr | ₹44.1K Cr | +31.6% |
| Shareholders' Equity | ₹7753 Cr | ₹9830 Cr | ₹12.1K Cr | ₹13.8K Cr | ₹15.7K Cr | +19.3% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
SBICARD vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 LTF L&T Finance Limited | +1.2%+1.2% upside | 46 | Near Fair Value | 10.7% | — |
 HDBFS HDB Financial Services Limited | -2.8%-2.7% upside | 61 | Near Fair Value | 12.3% | — |
 SUNDARMFIN Sundaram Finance Limited | -39.9%-28.5% upside | 51 | Above Fair Value | 13.8% | — |
 RECLTD REC Limited | +22.8%+29.6% upside | 65 | Near Fair Value | 19.2% | — |
 M&MFIN Mahindra & Mahindra Financial Services Limited | +31.0%+44.9% upside | 50 | Below Fair Value | 10.7% | 13.9× |
Click a ticker to view its fair-value analysis.
Dividend History
6 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹12.50/sh
Last payout
2026-03-11
₹2.50
Peak payout
₹2.50
Trailing yield
0.42%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. SBI Cards and Payment Services Limited (SBICARD.NS) trades at 589.45 vs a model fair value of 550.46, a gap of -6.6%. Piotroski F-score: ...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of SBICARD →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for SBICARD →
Compare
Head-to-head with peers
Compare SBICARD side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse SBICARDNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.