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SBI Cards and Payment Services Limited (SBICARD.NS)
INR603.80
-0.75 (-0.12%)
IN NSE Financial Services Financial - Credit Services
Address
Infinity Towers, Tower B 122002
Gurugram, IN
Gurugram, IN
CEO
Salila Pande
Website
sbicard.com
IPO
2020-03-16
ISIN INE018E01016
Also trades on
Bombay Stock Exchange · SBICARD.BO (INR)
National Stock Exchange of India · SBICARD.NS (INR)
Description
SBI Cards and Payment Services Limited functions as a non-banking financial company primarily focused on providing credit card services to both retail consumers and corporate clients throughout India. Beyond its core card issuance, the company also acts as a corporate insurance agent, facilitating the sale of insurance policies specifically to its credit card customers. Its extensive product portfolio includes corporate cards, central travel cards, utility cards, corporate purchase cards, and virtual cards. Founded in 1998, the firm maintains its headquarters in Gurugram, India, and operates as a subsidiary of the State Bank of India.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR603.80
-0.75 (-0.12%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.24
Float Shares
299.11M
Free Float %
31.4%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +3.73% | +0.76% | -7.05% | -16.38% | -32.60% | -31.59% | -41.46% | -36.36% | -45.33% | -13.49% | -13.49% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
603.80
DCF (Unlevered)
1,736.16
+187.5%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
32% Bullish
| Rating | 2026-06 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 6 | 0 |
| Hold | 7 | 0 |
| Sell | 4 | 0 |
| Strong Sell | 6 | -1 |
Quality scores
Altman Z-Score
1.23
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+18.7% ★ Q1'26: +27.1% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+13.1% Q1'26: +14.1% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+9.4% Q1'26: -81.5% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+14.1% Q1'26: +15.7% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+3.8% Q1'26: +4.2% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×14.45× Q1'26: 12.99× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 18 Rev. Ana. 20 EPS Ana. |
Mar 2027 18 Rev. Ana. 22 EPS Ana. |
Mar 2028 18 Rev. Ana. 22 EPS Ana. |
Mar 2029 10 Rev. Ana. 10 EPS Ana. |
Mar 2030 5 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
85.63B
est: 88.84B (-3.6%)
|
85.69B
est: 87.74B (-2.3%)
|
96.63B
est: 103.34B (-6.5%)
|
123.21B
est: 125.21B (-1.6%)
|
153.41B
est: 109.61B (+39.9%)
|
174.46B
est: 155.86B (+11.9%)
|
175.08B
159.98B – 178.71B
+12.3% YoY
|
191.08B
185.54B – 203.86B
+9.1% YoY
|
215.83B
214.60B – 239.31B
+13.0% YoY
|
240.29B
239.36B – 241.22B
+11.3% YoY
|
268.00B
263.54B – 291.88B
+11.5% YoY
|
| EBITDA |
18.33B
est: 18.62B (-1.6%)
|
14.47B
est: 18.39B (-21.3%)
|
23.21B
est: 6.87B (+237.7%)
|
31.94B
est: 9.00B (+255.0%)
|
34.29B
est: 22.50B (+52.4%)
|
27.28B
est: 32.74B (-16.7%)
|
35.94B
32.84B – 36.69B
+9.8% YoY
|
39.23B
38.09B – 41.85B
+9.1% YoY
|
44.31B
44.06B – 49.13B
+13.0% YoY
|
49.33B
49.14B – 49.52B
+11.3% YoY
|
55.02B
54.10B – 59.92B
+11.5% YoY
|
| EBIT |
17.30B
est: 17.48B (-1.1%)
|
13.24B
est: 17.26B (-23.3%)
|
21.72B
est: 39.08B (-44.4%)
|
30.31B
est: 51.18B (-40.8%)
|
32.32B
est: 21.27B (+52.0%)
|
25.81B
est: 86.89B (-70.3%)
|
33.97B
31.04B – 34.67B
-60.9% YoY
|
37.07B
36.00B – 39.55B
+9.1% YoY
|
41.87B
41.63B – 46.43B
+13.0% YoY
|
46.62B
46.44B – 46.80B
+11.3% YoY
|
51.99B
51.13B – 56.63B
+11.5% YoY
|
| Net Income |
12.45B
est: 16.17B (-23.0%)
|
9.85B
est: 11.46B (-14.1%)
|
16.16B
est: 16.08B (+0.5%)
|
22.58B
est: 21.06B (+7.2%)
|
24.08B
est: 24.09B (0.0%)
|
19.16B
est: 18.78B (+2.0%)
|
21.67B
20.93B – 23.27B
+15.4% YoY
|
28.43B
27.66B – 30.11B
+31.2% YoY
|
34.23B
33.40B – 37.87B
+20.4% YoY
|
39.52B
30.40B – 42.91B
+15.5% YoY
|
43.30B
42.36B – 48.31B
+9.6% YoY
|
| SGA |
17.55B
est: 16.89B (+3.9%)
|
16.14B
est: 16.68B (-3.3%)
|
24.98B
est: 47.91B (-47.9%)
|
30.80B
est: 62.74B (-50.9%)
|
33.30B
est: 20.45B (+62.8%)
|
36.17B
est: 106.51B (-66.0%)
|
32.66B
29.85B – 33.34B
-69.3% YoY
|
35.65B
34.62B – 38.03B
+9.1% YoY
|
40.27B
40.04B – 44.65B
+13.0% YoY
|
44.83B
44.66B – 45.00B
+11.3% YoY
|
50.00B
49.17B – 54.45B
+11.5% YoY
|
| EPS |
13.35
est: 16.99 (-21.4%)
|
10.48
est: 12.05 (-13.0%)
|
17.16
est: 15.68 (+9.5%)
|
23.92
est: 23.49 (+1.9%)
|
25.39
est: 25.37 (+0.1%)
|
20.15
est: 20.03 (+0.6%)
|
23.09
22.00 – 24.45
+15.3% YoY
|
29.71
29.06 – 31.65
+28.7% YoY
|
35.88
35.10 – 39.79
+20.8% YoY
|
41.84
31.95 – 45.10
+16.6% YoY
|
45.50
44.52 – 50.77
+8.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-12 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-11 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-10 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-09 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-08 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-05 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-04 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-03 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-02 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-01 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-29 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-27 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-26 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-25 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-22 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-21 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-20 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-19 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-18 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-15 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-14 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-13 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-12 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-11 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | B | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
623.97M
OE per share TTM
0.66
Owner's Yield
0.11%
Maintenance CapEx ratio
2.05%
Maint CapEx / Avg PPE
2.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 6 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | VanEck Digital India ETF DGIN | 1.73% | 268.6K | 0.70% |
| 2 | WisdomTree Emerging Markets Quality Dividend Growth Fund DGRE | 0.09% | 125.0K | 0.32% |
| 3 | WisdomTree India Earnings Fund EPI | 0.08% | 1.66M | 0.84% |
| 4 | Schwab Emerging Markets Equity ETF SCHE | 0.02% | 2.21M | 0.06% |
| 5 | State Street SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF EEMX | 0.02% | 28.6K | 0.30% |
| 6 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.01% | 2.51M | 0.07% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
7.61M
Shares Outstanding
951.61M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Pradeep K. Singh Khurana | Chief Information & Digital Officer and Executive Vice President | 73M | male |
| Nandini Malhotra | Executive Vice President & Chief Credit Officer | 36M | female |
| Girish Budhiraja | Executive Vice President and Chief Sales & Marketing Officer | 23M | male |
| Rashmi Mohanty | Executive Vice President & Chief Financial Officer | 22M | female |
| Anu Choudhary Gupta | Executive Vice President & Head of Operations | 21M | female |
| Manish Dewan | Executive Vice President & Head of Customer Services | 18M | male |
| Vishal Singh | Executive Vice President & Head of Consumer Sales | 16M | male |
| Mohit Kapoor | Executive Vice President & Head of Legal | 14M | male |
| Tarun Sharma | Executive Vice President & Head of Collections | 13M | male |
| Salila Pande | MD, Chief Executive Officer & Director | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for SBICARD.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
