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SBI Cards & Payment Services Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹551.27Overvalued by 14.53%vs CMP ₹645.00

P/E (28.3) × ROE (14.7%) × BV (₹165.00) × DY (0.39%)

₹274.48Overvalued by 57.44%vs CMP ₹645.00
MoS: -135% (Negative)Confidence: 68/100 (Moderate)Models: All 9: Overvalued
ModelCategoryValueWeightSignal
PE-ROEEarnings₹579.3421%Over (-10.2%)
Graham NumberEarnings₹285.5915%Over (-55.7%)
Earnings PowerEarnings₹194.8913%Over (-69.8%)
DCFCash Flow₹298.9713%Over (-53.6%)
Net Asset ValueAssets₹165.227%Over (-74.4%)
EV/EBITDAEnterprise₹18.538%Over (-97.1%)
Dividend DiscountDividends₹15.218%Over (-97.6%)
Earnings YieldEarnings₹219.707%Over (-65.9%)
ROCE CapitalReturns₹221.398%Over (-65.7%)
Consensus (9 models)₹274.48100%Overvalued
Key Drivers: Wide model spread (₹15–₹579) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 5.1%

*Investments are subject to market risks

Analyst Summary

SBI Cards & Payment Services Ltd operates in the Finance & Investments segment, NSE: SBICARD | BSE: 543066, current market price is ₹645.00, market cap is 61,393 Cr.. At a glance, stock P/E is 28.3, ROE is 14.7 %, ROCE is 10.1 %, book value is 165, dividend yield is 0.39 %. The latest intrinsic value estimate is ₹274.48, around 57.4% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹18,074 Cr versus the prior period change of 6.4%, while latest net profit is about ₹1,916 Cr with a prior-period change of -20.4%. The 52-week range shown on this page is 1,027/615, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisSBI Cards and Payment Services Ltd. is a Public Limited Listed company incorporated on 15/05/1998 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(…

This summary is generated from the stock page data available for SBI Cards & Payment Services Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

60
SBI Cards & Payment Services Ltd scores 60/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health63/100 · Moderate
ROCE 10.1% AverageROE 14.7% GoodD/E 2.87 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money75/100 · Strong
FII holding up 0.26% (6mo) Slight increaseDII holding up 0.62% MF buyingPromoter holding at 68.6% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +2% YoY Positive
Industry Rank65/100 · Strong
P/E 28.3 vs industry 183.6 Cheaper than peersROCE 10.1% vs industry 10.4% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: May 5, 2026, 12:58 am

Market Cap 61,393 Cr.
Current Price 645
Intrinsic Value₹274.48
High / Low 1,027/615
Stock P/E28.3
Book Value 165
Dividend Yield0.39 %
ROCE10.1 %
ROE14.7 %
Face Value 10.0
PEG Ratio5.56

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for SBI Cards & Payment Services Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
SBI Cards & Payment Services Ltd 61,393 Cr. 645 1,027/61528.3 1650.39 %10.1 %14.7 % 10.0
L&T Finance Holdings Ltd 71,580 Cr. 286 329/15623.8 1120.96 %8.38 %11.2 % 10.0
Motilal Oswal Financial Services Ltd 50,286 Cr. 837 1,097/61526.9 2140.72 %12.6 %15.6 % 1.00
Cholamandalam Financial Holdings Ltd 31,401 Cr. 1,673 2,299/1,30513.3 7280.08 %10.6 %19.1 % 1.00
Angel One Ltd 28,028 Cr. 308 330/20930.6 67.21.56 %14.8 %15.6 % 1.00
Industry Average19,136.33 Cr1,281.65183.603,403.850.43%10.44%24.30%6.58

All Competitor Stocks of SBI Cards & Payment Services Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue3,5073,7623,9124,0874,6224,3484,3594,4214,6194,6744,8774,9615,127
Interest 464507571605695724767788829795813760785
Expenses 2,4672,5652,6312,7603,2582,8112,8673,1733,3723,3203,4393,7423,785
Financing Profit576690710722668813725461419559625459557
Financing Margin %16%18%18%18%14%19%17%10%9%12%13%9%11%
Other Income 149154134134120127124135148158158176226
Depreciation 414548475152495049-2353534
Profit before tax 684800797809738888799545518719748600749
Tax % 26%25%26%26%26%25%26%26%26%26%26%26%26%
Net Profit 509596593603549662594404383534556445557
EPS in Rs 5.396.306.276.375.786.976.254.254.035.615.844.675.85
Gross NPA %2.22%2.35%2.41%2.43%2.64%2.76%3.06%3.27%3.24%3.08%3.07%2.85%2.86%
Net NPA %0.80%0.87%0.89%0.89%0.96%0.99%1.11%1.19%1.18%1.46%1.42%1.29%1.28%

Last Updated: March 3, 2026, 2:54 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 5:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1,4381,8222,3923,3475,1957,0179,2819,30110,67913,67016,98618,07419,639
Interest 3003784365287121,0091,3011,0431,0271,6482,5953,1783,153
Expenses 9181,2551,6172,3663,7154,8876,6187,2237,9539,44411,46012,73114,286
Financing Profit2201893394527691,1211,3621,0341,6992,5792,9312,1642,200
Financing Margin %15%10%14%14%15%16%15%11%16%19%17%12%11%
Other Income 7482100124175270471413622615498563718
Depreciation 11152455104123149164197147102
Profit before tax 2932714385729191,3351,7301,3242,1723,0313,2322,5812,816
Tax % 0%1%35%35%35%35%28%26%26%25%25%26%
Net Profit 2932672843736018651,2459851,6162,2582,4081,9162,092
EPS in Rs 3.733.403.624.757.6610.3313.2610.4717.1423.8725.3220.1421.97
Dividend Payout % 0%15%28%21%0%10%8%0%15%10%10%12%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-8.87%6.37%31.34%61.13%43.93%43.93%-20.88%64.06%39.73%6.64%-20.43%
Change in YoY Net Profit Growth (%)0.00%15.24%24.97%29.79%-17.20%0.00%-64.81%84.94%-24.33%-33.08%-27.07%

SBI Cards & Payment Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:26%
5 Years:14%
3 Years:19%
TTM:7%
Compounded Profit Growth
10 Years:22%
5 Years:9%
3 Years:6%
TTM:-22%
Stock Price CAGR
10 Years:%
5 Years:-1%
3 Years:-6%
1 Year:3%
Return on Equity
10 Years:22%
5 Years:20%
3 Years:20%
Last Year:15%

Last Updated: September 5, 2025, 1:26 pm

Balance Sheet

Last Updated: May 12, 2026, 6:30 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 785785785785837939941943946951951952
Reserves 1813706641,5682,7514,4025,3626,8108,88411,13312,83014,774
Borrowing4,6995,9288,26811,41313,54917,57317,89522,98231,11039,89144,94744,064
Other Liabilities 5937971,0481,9203,0092,3932,8163,9134,6066,1966,8176,539
Total Liabilities 6,2577,88010,76515,68620,14625,30727,01334,64845,54658,17165,54666,328
Fixed Assets 2224242196311308439551542320231
CWIP 00035202410142322100
Investments 0000119581,2972,1403,5196,2356,374
Other Assets 6,2567,87810,74115,40919,92824,97125,73732,89842,83254,08858,98059,723
Total Assets 6,2577,88010,76515,68620,14625,30727,01334,64845,54658,17165,54666,328

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -879-1,158-2,235-2,891-2,327-4,063692-4,391-6,671-5,653-2,140493
Cash from Investing Activity + 11-1128-76-77-997-538-921-1,255-2,491245
Cash from Financing Activity + 1,0081,1412,2442,9532,8243,9234325,0457,8248,4014,687-1,172
Net Cash Flow 130-179190422-2181271152321,49255-434
Free Cash Flow -879-1,158-2,236-2,931-2,423-4,141635-4,491-6,764-5,728-2,196459
CFO/OP -142%-138%-193%-178%-87%-127%57%-147%-140%-85%-26%24%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow918.00-3.00-4.00-6.00-8.00-9.00-11.00-10.00-15.00-22.00-28.00-32.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 49%31%27%29%32%29%28%17%23%26%22%15%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 69.02%68.96%68.94%68.75%68.63%68.62%68.61%68.60%68.60%68.59%68.59%68.58%
FIIs 8.45%9.48%9.08%9.35%8.59%8.72%9.18%9.52%9.88%10.23%10.10%10.14%
DIIs 17.47%17.17%17.28%16.27%16.68%16.54%16.76%16.47%17.22%17.50%17.76%17.84%
Public 5.06%4.37%4.69%5.62%6.09%6.11%5.46%5.41%4.30%3.68%3.56%3.42%
No. of Shareholders 10,41,1689,67,5319,61,29610,28,67310,36,63210,19,1179,48,9169,37,2708,47,6727,74,6427,50,7867,18,342

Shareholding Pattern Chart

No. of Shareholders

SBI Cards & Payment Services Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
ICICI Prudential Multi Asset Fund 17,529,181 1.64 1320.9117,583,5812026-01-26 00:08:16-0.31%
ICICI Prudential Large & Mid Cap Fund 14,655,608 4.02 1104.3714,355,6082026-02-23 04:32:312.09%
Nippon India Multi Cap Fund 8,252,665 1.27 621.883,500,6572025-12-08 00:13:18135.75%
ICICI Prudential Banking and Financial Services 5,202,910 3.58 392.072,522,5602026-02-23 04:32:31106.26%
Nippon India Large Cap Fund 4,639,814 0.7 349.634,099,3022025-12-08 00:13:1813.19%
Nippon India Focused Fund 4,402,111 3.91 331.724,102,1112026-02-23 04:32:317.31%
Nippon India Banking & Financial Services Fund 3,893,792 3.78 293.423,637,1242026-01-26 00:08:167.06%
ICICI Prudential ELSS Tax Saver Fund 2,811,025 1.49 211.825,317,7612025-12-08 00:13:18-47.14%
ICICI Prudential Multicap Fund 2,651,228 1.26 199.78N/AN/AN/A
SBI Banking & Financial Services Fund 2,133,685 1.54 160.78N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 20.1525.3923.9217.1610.48
Diluted EPS (Rs.) 20.1425.3723.8017.0210.38
Cash EPS (Rs.) 21.6927.3925.6018.7111.78
Book Value[Excl.RevalReserv]/Share (Rs.) 144.86127.07103.9082.2067.00
Book Value[Incl.RevalReserv]/Share (Rs.) 144.86127.07103.9082.2067.00
Dividend / Share (Rs.) 2.502.502.502.501.00
Revenue From Operations / Share (Rs.) 189.96178.43144.46113.2198.64
PBDIT / Share (Rs.) 62.0863.3451.1835.5026.48
PBIT / Share (Rs.) 60.5361.2749.4533.9225.17
PBT / Share (Rs.) 27.1333.9832.0323.0314.07
Net Profit / Share (Rs.) 20.1425.3223.8717.1410.47
PBDIT Margin (%) 32.6735.4935.4231.3526.84
PBIT Margin (%) 31.8634.3434.2329.9625.51
PBT Margin (%) 14.2719.0422.1720.3414.26
Net Profit Margin (%) 10.6014.1916.5215.1310.61
Return on Networth / Equity (%) 13.9019.9222.9720.8415.62
Return on Capital Employeed (%) 36.8526.8424.2235.6816.08
Return On Assets (%) 2.924.134.954.663.64
Long Term Debt / Equity (X) 0.000.650.810.001.15
Total Debt / Equity (X) 3.263.303.162.962.87
Asset Turnover Ratio (%) 0.290.320.340.340.35
Current Ratio (X) 1.271.531.651.282.07
Quick Ratio (X) 1.271.531.651.282.07
Dividend Payout Ratio (NP) (%) 12.409.8710.470.000.00
Dividend Payout Ratio (CP) (%) 11.529.129.760.000.00
Earning Retention Ratio (%) 87.6090.1389.530.000.00
Cash Earning Retention Ratio (%) 88.4890.8890.240.000.00
Interest Coverage Ratio (X) 1.862.322.943.262.39
Interest Coverage Ratio (Post Tax) (X) 1.601.932.372.571.94
Enterprise Value (Cr.) 126137.40102060.4199721.75102206.71104758.10
EV / Net Operating Revenue (X) 6.986.017.309.5711.29
EV / EBITDA (X) 21.3616.9420.6030.5342.06
MarketCap / Net Operating Revenue (X) 4.643.825.127.529.42
Retention Ratios (%) 87.5990.1289.520.000.00
Price / BV (X) 6.095.377.1210.3613.87
Price / Net Operating Revenue (X) 4.643.825.127.529.42
EarningsYield 0.020.030.030.020.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

SBI Cards and Payment Services Ltd. is a Public Limited Listed company incorporated on 15/05/1998 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65999DL1998PLC093849 and registration number is 093849. Currently Company is involved in the business activities of Other financial activities. Company's Total Operating Revenue is Rs. 19899.63 Cr. and Equity Capital is Rs. 951.60 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower E-1,2,3, New Delhi Delhi 110034Contact not found
Management
NamePosition Held
Mr. Challa Sreenivasulu SettyChairman
Ms. Salila PandeManaging Director & CEO
Mr. Rajendra Kumar SarafIndependent Director
Mr. Dinesh Kumar MehrotraIndependent Director
Ms. Anuradha Shripad NadkarniIndependent Director
Mr. Shriniwas Yeshwant JoshiIndependent Director
Mr. Shamsher SinghIndependent Director
Mr. Ashwini Kumar TewariNominee Director

FAQ

What is the intrinsic value of SBI Cards & Payment Services Ltd and is it undervalued?

As of 13 May 2026, SBI Cards & Payment Services Ltd's intrinsic value is ₹274.48, which is 57.44% lower than the current market price of ₹645.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (14.7 %), book value (₹165), dividend yield (0.39 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of SBI Cards & Payment Services Ltd?

SBI Cards & Payment Services Ltd is trading at ₹645.00 as of 13 May 2026, with a FY2026-2027 high of ₹1,027 and low of ₹615. The stock is currently near its 52-week low. Market cap stands at ₹61,393 Cr..

How does SBI Cards & Payment Services Ltd's P/E ratio compare to its industry?

SBI Cards & Payment Services Ltd has a P/E ratio of 28.3, which is below the industry average of 183.60. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is SBI Cards & Payment Services Ltd financially healthy?

Key indicators for SBI Cards & Payment Services Ltd: ROCE of 10.1 % is moderate. Dividend yield is 0.39 %.

Is SBI Cards & Payment Services Ltd profitable and how is the profit trend?

SBI Cards & Payment Services Ltd reported a net profit of ₹1,916 Cr in Mar 2025 on revenue of ₹18,074 Cr. Compared to ₹1,616 Cr in Mar 2022, the net profit shows an improving trend.

Does SBI Cards & Payment Services Ltd pay dividends?

SBI Cards & Payment Services Ltd has a dividend yield of 0.39 % at the current price of ₹645.00. The company pays dividends, though the yield is modest.

Last Updated: May 5, 2026, 12:58 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543066 | NSE: SBICARD
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in SBI Cards & Payment Services Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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