ScoreWhy is SBI Cards & Payment Services Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 18.56%
- Healthy long term growth as Operating profit has grown by an annual rate of 16.27%
2
Flat results in Sep 25
- PBT LESS OI(Q) At Rs 424.27 cr has Fallen at -12.1% (vs previous 4Q average)
- PBDIT(Q) Lowest at Rs 1,219.35 cr.
- OPERATING PROFIT TO NET SALES (Q) Lowest at 24.58%
3
With ROE of 13, it has a Very Expensive valuation with a 5.6 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.36%, its profits have fallen by -13.2%
4
High Institutional Holdings at 27.86%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 20.36% in the last 1 year, much higher than market (BSE500) returns of 2.37%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is SBI Cards for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
SBI Cards
-8.29%
0.78
26.09%
Sensex
8.49%
0.44
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
34
Industry P/E
22
Price to Book Value
4.74
EV to EBIT
22.08
EV to EBITDA
21.66
EV to Capital Employed
1.91
EV to Sales
5.90
PEG Ratio
14.71
Dividend Yield
0.34%
ROCE (Latest)
8.47%
ROE (Latest)
14.14%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NET SALES(Q)
Highest at Rs 5,127.26 cr
PAT(Q)
Highest at Rs 556.64 cr.
EPS(Q)
Highest at Rs 5.85
-1What is not working for the Company
DEBT-EQUITY RATIO(HY)
Highest at 3.33 times
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Here's what is working for SBI Cards
Net Sales - Quarterly
Highest at Rs 5,127.26 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 556.64 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 5.85
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for SBI Cards
Debt-Equity Ratio - Half Yearly
Highest at 3.33 times
in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Non Operating Income - Quarterly
Highest at Rs 226.16 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
