SBI Cards and Payment Services Limited
Financial trend (65/100) does the heavy lifting; valuation (16/100) is the drag.
ExpensiveOvervaluedSBI Cards and Payment Services Limited earns a Sell from StocksWizard, with a blended score of 44/100. On 26.7x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 29% below its 52-week high of ₹934.68 and 16% above the low of ₹568.25. Financial health scores 67/100, with a Piotroski F-score of 4/9. The average analyst target of ₹720.5 implies about 9% upside across 24 analysts. It clears 6 of 12 investability checks, with durability 58, valuation 31 and momentum 42 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹326.3.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-29.37% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell44Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 14.7%
- Fail: Low debt (D/E < 0.5): 2.80x
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 19%
- Pass: Earnings growing: 14%
- Pass: Net margin ≥ 10%: 18.3%
- Pass: Current ratio > 1.5: 19.96
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter68.6%
- Institutions25.3%
- Public & other6.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (18.3%).
Opportunities
- Revenue growing (19% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
Threats
- Trades ~38% above our estimated fair value.
About SBI Cards and Payment Services Limited
SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. Its card products include corporate, central travel, utility, and corporate purchase variants, as well as virtual cards. The company also functions as a corporate insurance agent, selling insurance policies to its credit card customer base.
SBI Cards and Payment Services Limited — frequently asked questions
Is SBI Cards and Payment Services Limited a buy, hold or sell?
StocksWizard currently rates SBI Cards and Payment Services Limited (SBICARD) a Sell, based on a blended score of 44/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is SBI Cards and Payment Services Limited's fair value?
Our blended DCF and relative-valuation model estimates SBI Cards and Payment Services Limited's fair value at about ₹407.87, versus a current price of ₹660.15 — roughly 38% downside. On that basis the stock looks overvalued by 38%.
Is SBI Cards and Payment Services Limited financially healthy?
SBI Cards and Payment Services Limited scores 67/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has SBI Cards and Payment Services Limited's share price performed?
SBI Cards and Payment Services Limited is up 2% over three months, and last traded at ₹660.15. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.