SBI Cards and Payment Services Ltd
Fundamental Score
SBI Cards and Payment Services Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of SBICARD across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (28.96%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (14.26% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Balanced Promoter Holding (68.59%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Strong Institutional Confidence (FII+DII: 27.86%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Premium Valuation Risk (P/E: 43.49x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Elevated Debt Levels (D/E: 3.33)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.81x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-18543.27 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Financial Statements
Comprehensive financial data for SBI Cards and Payment Services Ltd
About SBICARD
Business Overview
SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate cards, central travel cards, utility cards, and purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited is a subsidiary of State Bank of India.
Company Details
Key Leadership
Corporate Events
Latest News
SBICARD Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of SBI Cards and Payment Services Ltd (SBICARD)?
As of 08 Feb 2026, 11:53 am IST, SBI Cards and Payment Services Ltd (SBICARD) is currently trading at ₹756.30. The stock has a market capitalization of ₹83.42K (Cr).
Is SBICARD share price Overvalued or Undervalued?
SBICARD is currently trading at a P/E ratio of 43.49x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the SBI Cards and Payment Services Ltd share price?
Key factors influencing SBICARD's price include its quarterly earnings growth (Sales Growth: 12.21%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is SBI Cards and Payment Services Ltd a good stock for long-term investment?
SBI Cards and Payment Services Ltd shows a 5-year Profit Growth of 9.01% and an ROE of 14.82%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.33 before investing.
How does SBI Cards and Payment Services Ltd compare with its industry peers?
SBI Cards and Payment Services Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare SBICARD's P/E of 43.49x and ROE of 14.82% against the industry averages to determine its competitive standing.
What is the P/E ratio of SBICARD and what does it mean?
SBICARD has a P/E ratio of 43.49x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹43 for every ₹1 of annual earnings.
How is SBICARD performing according to Bull Run's analysis?
SBICARD has a Bull Run fundamental score of 38.2/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does SBICARD belong to?
SBICARD operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting SBI Cards and Payment Services Ltd.
What is Return on Equity (ROE) and why is it important for SBICARD?
SBICARD has an ROE of 14.82%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently SBI Cards and Payment Services Ltd generates profits from shareholders' equity.
How is SBICARD's debt-to-equity ratio and what does it indicate?
SBICARD has a debt-to-equity ratio of 3.33, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is SBICARD's dividend yield and is it a good dividend stock?
SBICARD offers a dividend yield of 0.29%, which means you receive ₹0.29 annual dividend for every ₹100 invested.
How has SBICARD grown over the past 5 years?
SBICARD has achieved 5-year growth rates of: Sales Growth 14.26%, Profit Growth 9.01%, and EPS Growth 8.72%.
What is the promoter holding in SBICARD and why does it matter?
Promoters hold 68.59% of SBICARD shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SBICARD's market capitalization category?
SBICARD has a market capitalization of ₹83417 crores, placing it in the Large-cap category.
How volatile is SBICARD stock?
SBICARD has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SBICARD?
SBICARD has a 52-week high of ₹N/A and low of ₹N/A.
What is SBICARD's operating profit margin trend?
SBICARD has a 5-year average Operating Profit Margin (OPM) of 28.96%, indicating the company's operational efficiency.
How is SBICARD's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 12.21% and YoY Profit Growth of 9.98%.
What is the institutional holding pattern in SBICARD?
SBICARD has FII holding of 10.10% and DII holding of 17.76%. Significant institutional holding often suggests professional confidence in the stock.