Why is SBI Cards falling/rising?

As of 31-Jul, SBI Cards & Payment Services Ltd is currently priced at 807.70, reflecting a decline of 8.1 points or 0.99%. The stock has been underperforming, having fallen consecutively for the last four days, resulting in a total drop of 9.15% during this period. Additionally, it is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages. The delivery volume has also decreased significantly, falling by 34.97% compared to the 5-day average. Despite a strong long-term fundamental strength indicated by an average Return on Equity (ROE) of 19.77% and high institutional holdings at 27.73%, the stock's recent performance has been negatively impacted by these short-term trends.
In the broader market context, SBI Cards has underperformed the benchmark Sensex, which has only declined by 1.22% over the past week, while the stock itself has dropped by 8.80%. Over the last month, the stock has experienced a 13.37% decline compared to a 3.00% drop in the benchmark. Although the stock has shown resilience with a year-to-date increase of 21.62% and a one-year return of 11.16%, the recent negative momentum suggests that short-term pressures are outweighing its long-term strengths.