SBI Cards and Payment Services Ltd.
SBICARD · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹381.85.
Piotroski F-score 4/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%14.7%
- ✕Low debt (D/E < 0.5)2.80x
- ✓Positive free cash flow
- ✓Revenue growth > 10%19%
- ✓Earnings growing14%
- ✓Net margin ≥ 10%18.3%
- ✓Current ratio > 1.519.96
- ✕Below our fair value
- ✕Margin of safety ≥ 20%
- ✕Above 200-day average
- ✕Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 74/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (18.3%).
Weaknesses
- •High debt relative to equity.
- •Price below its 200-day moving average (downtrend).
Opportunities
- •Revenue growing (19% YoY).
- •Well off its 52-week high — possible mean-reversion.
Threats
- •Trades ~21% above our estimated fair value.
About SBI Cards and Payment Services Ltd.
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, central travel, utility, and corporate purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.