Dashboard/SBICARD

SBICARD

OVERVALUED

SBI Cards and Payment Services Limited

Finance · NSE

↓ 199.5% vs fair value

52W Low

₹616

+3.1% from low

52W High

₹1,027

-38.2% from high

News sentiment (1 articles)

1 bull0 neutral0 bear

Valuation Gauge

OVERVALUED-199.5% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹635

Fair Value

₹212

Fair Value Analysis

₹212

Based on balance sheet strength analysis and book value multiple for Finance sector companies | Sector-expensive: P/E at 80th percentile vs sector peers.

Medium confidence

Balance Sheet Value

39% weight

₹271

P/B Multiple

62% weight

₹175

Price vs Market

SBICARD

Nifty 50

Shareholding Pattern

Stock Health Score

Solid Fundamentals

6.4 / 10

Profitability

8/10

ROE of 13.5% is acceptable for Finance sector (benchmark: 18%)

Debt & Leverage

10/10

D/E ratio of 3.3x is well within the Finance sector norm of 4.0x — strong balance sheet

Valuation vs Peers

10/10

P/E of 30.4x trades at a 53% discount to Finance sector median (65x) — attractively valued

Cash Flow

3/10

Negative cash flow of ₹-2,196 Cr — concerning for Finance sector

Earnings Growth

4/10

5yr EPS CAGR of 5.8% is well below Finance sector average of 23.9%

Dividend

4/10

Dividend yield of 0.4% is symbolic — low but positive

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

FCF Yield

-7.6%

Free cash flow / market cap

Revenue Growth (YoY)

+6.4%

Year-on-year revenue change

Profit Growth (YoY)

+9.8%

Year-on-year PAT change

Operating Cash Flow

₹-2.1K Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹21

P/E Ratio

30.4x

P/B Ratio

4.1x

ROE

13.5%

ROCE

—

Debt / Equity

3.33x

Beta

0.31

Div Yield

0.4%

FCF (Cr)

₹-2,196 Cr

Revenue (Cr)

₹14,268 Cr

EPS Growth 5Y

5.8%

Mkt Cap (Cr)

₹60,731 Cr

52W High

₹1,027.3

52W Low

₹615.5

Book Value/Share

₹155.3

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
TTM	—	—	—	₹2.1K Cr	₹21.97
2025-03-31	—	—	—	₹1.9K Cr	₹20.14
2024-03-31	—	—	—	₹2.4K Cr	₹25.32
2023-03-31	—	—	—	₹2.3K Cr	₹23.87
2022-03-31	—	—	—	₹1.6K Cr	₹17.14
2021-03-31	—	—	—	₹985 Cr	₹10.47
2020-03-31	—	—	—	₹1.2K Cr	₹13.26
2019-03-31	—	—	—	₹865 Cr	₹10.33
2018-03-31	—	—	—	₹601 Cr	₹7.66
2017-03-31	—	—	—	₹373 Cr	₹4.75
2016-03-31	—	—	—	₹284 Cr	₹3.62
2015-03-31	—	—	—	₹267 Cr	₹3.40
2014-03-31	—	—	—	₹293 Cr	₹3.73

Compounded Growth Rates

Sales Growth

3Y—

5Y—

10Y—

Profit Growth

3Y-2.5%

5Y+16.3%

10Y+22.1%

EPS Growth

3Y-2.7%

5Y+16.0%

10Y+19.8%

Peer Comparison

Finance

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
NBIFIN N. B. I. Industrial Finance Company Limited	₹1,720	₹8,110.3	+78.8%	32.3	0.4%	UNDERVALUED
DHUNINV Dhunseri Investments Limited	₹757	₹3,224.5	+76.5%	20.6	0.8%	UNDERVALUED
CPCAP CP Capital Limited	₹88.1	₹335.3	+73.7%	3.7	6.3%	UNDERVALUED
GICHSGFIN GIC Housing Finance Limited	₹143.2	₹426.4	+66.4%	5.6	8.8%	UNDERVALUED
MUTHOOTCAP Muthoot Capital Services Limited	₹191.9	₹447.2	+57.1%	24.8	7.6%	UNDERVALUED
SAMMAANCAP Sammaan Capital Limited	₹147.1	₹284.1	+48.2%	8	5.7%	UNDERVALUED
REPCOHOME Repco Home Finance Limited	₹373.5	₹719.1	+48.1%	4.9	11.8%	UNDERVALUED
LICHSGFIN LIC Housing Finance Limited	₹516.5	₹928.6	+44.4%	5.2	13.0%	UNDERVALUED