ScoreWhy is SBI Cards & Payment Services Ltd ?
1
Flat results in Dec 25
- DEBT-EQUITY RATIO(HY) Highest at 3.33 times
2
With ROE of 14.1, it has a Expensive valuation with a 4.7 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 -4.83%, its profits have risen by 2.3% ; the PEG ratio of the company is 14.7
3
Below par performance in long term as well as near term
- Along with generating -4.83% 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 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, Low Return
Absolute
Risk Adjusted
Volatility
SBI Cards
-4.83%
-0.19
25.75%
Sensex
5.16%
0.46
11.21%
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
22.10
EV to EBITDA
21.68
EV to Capital Employed
1.91
EV to Sales
5.91
PEG Ratio
14.73
Dividend Yield
0.34%
ROCE (Latest)
8.47%
ROE (Latest)
14.14%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
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
Loading Valuation Snapshot...
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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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