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
With ROE of 13.8, it has a Fair valuation with a 3.9 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 -27.07%, its profits have risen by 13.1% ; the PEG ratio of the company is 2.2
4
High Institutional Holdings at 27.66%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -27.07% 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
-27.07%
-1.02
26.53%
Sensex
-3.33%
-0.25
13.43%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
29
Industry P/E
21
Price to Book Value
3.94
EV to EBIT
20.04
EV to EBITDA
19.53
EV to Capital Employed
1.80
EV to Sales
5.21
PEG Ratio
2.19
Dividend Yield
0.38%
ROCE (Latest)
9.00%
ROE (Latest)
13.78%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
DEBT-EQUITY RATIO(HY)
Lowest at 2.80 times
PAT(Q)
Highest at Rs 609.30 cr.
EPS(Q)
Highest at Rs 6.40
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for SBI Cards
Profit After Tax (PAT) - Quarterly
Highest at Rs 609.30 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 6.40
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
Here's what is not working for SBI Cards
Non Operating Income - Quarterly
Highest at Rs 252.54 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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