ScoreWhy is SBI Cards & Payment Services Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 18.29%
- Healthy long term growth as Operating profit has grown by an annual rate of 20.38%
2
Positive results in Mar 26
- DEBT-EQUITY RATIO(HY) Lowest at 2.80 times
- PAT(Q) Highest at Rs 609.30 cr.
- EPS(Q) Highest at Rs 6.40
3
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 23-Feb-26 and has generated -19.6% returns since then
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
4
With ROE of 13.8, it has a Fair valuation with a 3.8 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 -29.76%, its profits have risen by 13.1% ; the PEG ratio of the company is 2.1
5
High Institutional Holdings at 27.66%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -29.76% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to SBI Cards should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(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 exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is SBI Cards for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
SBI Cards
-16.02%
-1.11
26.77%
Sensex
-1.65%
-0.49
12.94%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
28
Industry P/E
21
Price to Book Value
3.99
EV to EBIT
19.94
EV to EBITDA
19.45
EV to Capital Employed
1.82
EV to Sales
5.21
PEG Ratio
1.31
Dividend Yield
0.38%
ROCE (Latest)
9.00%
ROE (Latest)
14.47%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
DEBT-EQUITY RATIO(HY)
Lowest at 2.80 times
PBDIT(Q)
Highest at Rs 1,503.36 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 29.83%
PBT LESS OI(Q)
Highest at Rs 728.32 cr.
PAT(Q)
Highest at Rs 664.44 cr.
EPS(Q)
Highest at Rs 6.98
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
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Here's what is working for SBI Cards
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,503.36 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 29.83%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 728.32 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 728.32 cr has Grown at 38.7% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 525.12 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 664.44 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 664.44 cr has Grown at 22.7% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 541.67 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 6.98
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Debt-Equity Ratio - Half Yearly
Lowest at 2.80 times
in the last five half yearly periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
