SBI Cards and Payment Services Limited
SBICARD · General/Diversified · NSE
₹685
Current Market Price
Fair Value (DCF)
₹526
Margin of Safety
-23.2%
Updated just now
YieldIQ Score
38/100
Piotroski F-Score
3/9
Economic Moat
Narrow
Confidence
8%
ROE
13.9%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.65 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
250.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
0.5×
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.23×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
10.6%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹684.85
Bear case
₹320.01
MoS -114.0%
Base case
₹525.67
MoS -30.3%
Bull case
₹640.02
MoS -7.0%
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 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹9277 Cr | ₹10.7K Cr | ₹3762 Cr | ₹4348 Cr | ₹14.3K Cr | +11.4% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹2367 Cr | ₹3199 Cr | ₹1307 Cr | ₹1612 Cr | — | -9.2% |
| PAT | ₹985 Cr | ₹1616 Cr | ₹596 Cr | ₹662 Cr | ₹1916 Cr | +18.1% |
| EPS (diluted) | ₹10.38 | ₹17.02 | ₹6.28 | ₹6.96 | — | -9.5% |
| CFO | ₹692 Cr | ₹-4391 Cr | ₹-6671 Cr | ₹-5452 Cr | ₹-2140 Cr | — |
| CapEx | — | — | — | — | ₹-55.8 Cr | — |
| FCF | — | — | — | — | ₹-2196 Cr | — |
| Total Assets | — | ₹34.6K Cr | ₹45.5K Cr | ₹58.2K Cr | ₹65.5K Cr | +17.3% |
| Total Debt | ₹10.8K Cr | ₹14.7K Cr | ₹23.1K Cr | ₹32.0K Cr | ₹45.2K Cr | +42.9% |
| Shareholders' Equity | — | — | ₹9830 Cr | ₹12.1K Cr | ₹13.8K Cr | +8.8% |
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 | +51.2% | 55 | Data Limited | 10.3% | — |
| HDBFS HDBFS | — | — | Pending | 13.8% | — |
| SUNDARMFIN SUNDARMFIN | — | — | Pending | 14.2% | — |
| RECLTD REC Limited | -100.0% | 20 | Data Limited | 20.3% | — |
| M&MFIN M&MFIN | — | — | Pending | 10.5% | — |
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
0.37%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. SBI Cards and Payment Services Limited (SBICARD.NS) trades at 684.85 vs a model fair value of 525.67, a gap of -23.2%. Piotroski F-score:...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
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 →
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Head-to-head with peers
Compare SBICARD side by side →
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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.