ScoreWhy is SBI Cards & Payment Services Ltd ?
1
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%
2
With ROE of 13, it has a Expensive valuation with a 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 3.99%, its profits have fallen by -13.2%
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, Medium Return
Absolute
Risk Adjusted
Volatility
SBI Cards
3.87%
0.15
26.43%
Sensex
8.41%
0.75
11.24%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
38
Industry P/E
22
Price to Book Value
4.96
EV to EBIT
23.20
EV to EBITDA
22.68
EV to Capital Employed
1.97
EV to Sales
6.23
PEG Ratio
NA
Dividend Yield
0.32%
ROCE (Latest)
8.47%
ROE (Latest)
12.97%
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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
Mildly Bearish
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
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