ScoreWhy is SBI Cards & Payment Services Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 18.56%
- Healthy long term growth as Operating profit has grown by an annual rate of 16.27%
2
Flat results in Sep 25
- PBT LESS OI(Q) At Rs 424.27 cr has Fallen at -12.1% (vs previous 4Q average)
- PBDIT(Q) Lowest at Rs 1,219.35 cr.
- OPERATING PROFIT TO NET SALES (Q) Lowest at 24.58%
3
With ROE of 13, it has a Very Expensive valuation with a 5.5 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 22.06%, its profits have fallen by -13.2%
4
High Institutional Holdings at 27.86%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 22.06% in the last 1 year, much higher than market (BSE500) returns of 2.07%
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, High Return
Absolute
Risk Adjusted
Volatility
SBI Cards
21.93%
0.85
26.10%
Sensex
4.69%
0.40
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
43
Industry P/E
23
Price to Book Value
5.51
EV to EBIT
24.78
EV to EBITDA
24.23
EV to Capital Employed
2.10
EV to Sales
6.66
PEG Ratio
NA
Dividend Yield
0.29%
ROCE (Latest)
8.47%
ROE (Latest)
12.97%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
NET SALES(Q)
Highest at Rs 4,960.98 cr
-5What is not working for the Company
PBT LESS OI(Q)
At Rs 424.27 cr has Fallen at -12.1% (vs previous 4Q average
PBDIT(Q)
Lowest at Rs 1,219.35 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 24.58%
PAT(Q)
At Rs 444.77 cr has Fallen at -5.3% (vs previous 4Q average
Loading Valuation Snapshot...
Here's what is working for SBI Cards
Net Sales - Quarterly
Highest at Rs 4,960.98 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Here's what is not working for SBI Cards
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 424.27 cr has Fallen at -12.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 482.71 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 1,219.35 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 24.58%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
At Rs 444.77 cr has Fallen at -5.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 469.45 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
Highest at Rs 175.50 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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
