SBI Cards & Payment Services Ltd
NSE: SBICARD BSE: 543066
₹772.20
(1.51%)
Tue, 17 Feb 2026, 05:13 pm
Market Cap723.68B
PE Ratio35.13
Dividend0.33
Finance
Finance/Rental/Leasing
24.5KSBI Cards & Payment Services Analysis
dividend
- SBI Cards and Payment Services is not paying a notable dividend for India, therefore no need to check if the payments are increasing.
- No need to calculate the sustainability of SBI Cards and Payment Services's dividends as it is not paying a notable one for India.
- No need to calculate the sustainability of SBI Cards and Payment Services's dividends in 3 years as they are not expected to pay a notable one for India.
- SBI Cards and Payment Services is not paying a notable dividend for India, therefore no need to check if the payments are stable.
- SBI Cards and Payment Services's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
- SBI Cards and Payment Services's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- SBI Cards and Payment Services's earnings are expected to grow significantly at over 20% yearly.
- SBI Cards and Payment Services's earnings growth is expected to exceed the India market average.
- SBI Cards and Payment Services's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- SBI Cards and Payment Services's earnings are expected to increase by more than the low risk growth rate in 3 years time.
- SBI Cards and Payment Services's net income is expected to increase by more than 50% in 2 years time.
- SBI Cards and Payment Services is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- An improvement in SBI Cards and Payment Services's performance (ROE) is expected over the next 3 years.
- SBI Cards and Payment Services's revenue is expected to increase by more than 50% in 2 years time.
- SBI Cards and Payment Services's revenue is expected to grow significantly at over 20% yearly.
- SBI Cards and Payment Services's revenue growth is expected to exceed the India market average.
- SBI Cards and Payment Services's earnings are expected to decrease over the next year.
health
- SBI Cards and Payment Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- SBI Cards and Payment Services is profitable, therefore cash runway is not a concern.
- SBI Cards and Payment Services is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.4x debt.
- SBI Cards and Payment Services's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (486.7% vs 321.5% today).
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- SBI Cards and Payment Services's level of debt (321.5%) compared to net worth is high (greater than 40%).
management
- Hardayal's remuneration is lower than average for companies of similar size in India.
- Hardayal's compensation has been consistent with company performance over the past year, both up more than 20%.
- The average tenure for the SBI Cards and Payment Services board of directors is less than 3 years, this suggests a new board.
past
- SBI Cards and Payment Services's 1-year earnings growth exceeds its 5-year average (43.6% vs 27.9%)
- SBI Cards and Payment Services has delivered over 20% year on year earnings growth in the past 5 years.
- SBI Cards and Payment Services used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- SBI Cards and Payment Services's earnings growth has exceeded the IN Consumer Finance industry average in the past year (43.6% vs 11%).
- Whilst SBI Cards and Payment Services has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
value
- BSE:543066 is up 8.5% along with the India market (8%) over the past month.
- SBI Cards and Payment Services's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- SBI Cards and Payment Services's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- SBI Cards and Payment Services is overvalued based on assets compared to the IN Consumer Finance industry average.
- SBI Cards and Payment Services is poor value based on expected growth next year.
- SBI Cards and Payment Services is overvalued based on earnings compared to the IN Consumer Finance industry average.
- SBI Cards and Payment Services is overvalued based on earnings compared to the India market.
- BSE:543066 is up 8.5% underperforming the Consumer Finance industry which returned 10.3% over the past month.
Open Your Free Demat Account Now!
Facebook
Twitter
Instagram
LinkedIn
Youtube
Calculators
Popular Calculators
Group Stocks
Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800