Why is SBI Cards falling/rising?

As of 30-Jul, SBI Cards & Payment Services Ltd is currently priced at 815.80, reflecting a decline of 5.05 points or 0.62%. The stock has been underperforming recently, having fallen consecutively for the last three days, resulting in a total drop of 8.24% during this period. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. Despite this, the stock has shown strong long-term fundamental strength with an average Return on Equity (ROE) of 19.77% and high institutional holdings at 27.73%, which have increased by 0.63% over the previous quarter. This suggests that while the stock is currently facing downward pressure, it has solid backing from institutional investors who are better equipped to analyze its fundamentals.
In the broader market context, SBI Cards has significantly underperformed the benchmark Sensex in the short term, with a 1-week return of -8.81% compared to the Sensex's decline of only -1.50%. Over the past month, the stock has also dropped 14.21%, while the benchmark fell just 2.54%. However, it is noteworthy that the stock has outperformed the market over the year, achieving a return of 13.31% against the Sensex's minimal gain of 0.03%. This contrast highlights the current volatility and challenges faced by SBI Cards, despite its strong long-term performance relative to the broader market.