SBI Cards and Payment Services Ltd Stock Price Today (NSE: SBICARD)
SBI Cards and Payment Services Ltd
Fundamental Score
SBI Cards and Payment Services Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
SBI Cards and Payment Services Ltd share price today is ₹635.45, down 3.75% on NSE/BSE as of 30 March 2026. SBI Cards and Payment Services Ltd (SBICARD) is a Large-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹83.42K (Cr). The 52-week high for SBICARD share price is ₹1027.25 and the 52-week low is ₹650.05. At a P/E ratio of 43.49x, SBICARD is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 14.82% and a debt-to-equity ratio of 3.33.
SBI Cards and Payment Services Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
SBI Cards and Payment Services Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
SBI Cards and Payment Services Share Price: A Conservative Investor's Analysis
The Non-Banking Financial Company (NBFC) sector is currently experiencing heightened regulatory scrutiny and increased competition, factors demanding a cautious approach to investment. This analysis examines the SBI Cards and Payment Services share price of ₹756.299988 from the perspective of a conservative value investor prioritizing capital safety. We will assess its financial health and competitive positioning, understanding that past performance is not indicative of future results. The analysis forms part of a comprehensive 80-parameter fundamental audit, verified by Sweta Mishra.
At a Price-to-Earnings (PE) ratio of 43.49, SBI Cards and Payment Services appears richly valued compared to broader market averages. While PE ratios vary across NBFCs, this figure necessitates careful consideration of future earnings growth prospects. Given the current economic climate, assuming aggressive growth could be imprudent. The long-term potential is undeniably there, but immediate margin of safety looks limited at the current valuation.
Return on Capital Employed (ROCE) provides insight into the efficiency of capital allocation. SBI Cards and Payment Services’ ROCE of 10.4% suggests moderate profitability relative to its invested capital. A higher ROCE generally indicates a stronger competitive advantage, or "moat." In this case, the 10.4% may suggest a narrower or less entrenched moat than companies with significantly higher ROCE figures. It's crucial to determine if this return is sustainable and if it adequately compensates for the risks associated with the credit card business. Sustained ROCE below a threshold that beats treasury bills is a matter of concern for capital safety.
Benchmarking against its sector peers provides further context. While detailed analysis of
Apollo Finvest is beyond the scope of this brief review, assessing management quality and capital allocation strategies across the peer group is vital. For instance, a company with a demonstrably better track record of navigating regulatory changes or optimizing capital deployment might present a more attractive risk-adjusted investment. Assessing competitors like Bengal & Assam and Fedders Holding Ltd is also useful for assessing current valuations of SBI Cards and Payment Services.This analysis presents a preliminary view for a conservative value investor. A comprehensive assessment should incorporate a detailed review of the company's balance sheet, cash flow statement, and management commentary, alongside continuous monitoring of macroeconomic factors and regulatory developments. Remember that this is an observational analysis and does not constitute financial advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
SBI Cards and Payment Services Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SBICARD across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (28.96%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (14.26% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Balanced Promoter Holding (68.59%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Strong Institutional Confidence (FII+DII: 27.86%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Premium Valuation Risk (P/E: 43.49x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Elevated Debt Levels (D/E: 3.33)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.81x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-18543.27 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
SBI Cards and Payment Services Ltd Financial Statements
Comprehensive financial data for SBI Cards and Payment Services Ltd including income statement, balance sheet and cash flow
About SBICARD (SBI Cards and Payment Services Ltd)
SBI Cards and Payment Services Ltd is a prominent Non-Banking Financial Company operating in the Indian financial landscape, specializing in the issuance and management of credit c...ards. SBICARD caters to a diverse clientele, encompassing both individual consumers and corporate entities, offering a comprehensive suite of credit card products designed to meet varied financial needs. The company distinguishes itself by providing specialized solutions, including corporate credit cards tailored for business expenses, central travel cards streamlining travel management for organizations, and utility cards simplifying bill payments. Furthermore, SBICARD extends its offerings with purchase cards and virtual credit cards, catering to the evolving digital transaction landscape and providing secure online payment options. SBICARD operates beyond being a mere credit card issuer, functioning also as a corporate agent for insurance policies, adding an extra layer of value for its cardholders. Through this function, the company facilitates access to insurance products for credit card customers, providing convenience and potentially enhancing financial security. This integration of insurance services with credit card offerings showcases SBICARD's commitment to providing a holistic financial solution, recognizing the interconnectedness of different financial needs and aiming to address them within a single platform. SBICARD continuously strives to innovate and adapt to changing market dynamics to deliver value to its customers. Established in 1998, SBICARD has solidified its presence in the Indian financial market. The company maintains its corporate headquarters in Gurugram, Haryana. The company's strategic location facilitates effective management and oversight of its nationwide operations. SBICARD is a subsidiary of the State Bank of India (SBI), India's largest public sector bank. This parentage provides SBICARD with a strong foundation, access to SBI's extensive network and customer base, and the credibility associated with a trusted financial institution. This affiliation with SBI plays a pivotal role in SBICARD's growth and expansion strategy within the competitive credit card industry.
Company Details
Key Leadership
Corporate Events
Latest News
SBICARD Share Price: Frequently Asked Questions
What is the current share price of SBI Cards and Payment Services Ltd (SBICARD)?
As of 30 Mar 2026, 12:04 pm IST, SBI Cards and Payment Services Ltd share price is ₹635.45. The SBICARD stock has a market capitalisation of ₹83.42K (Cr) on NSE/BSE.
Is SBICARD share price Overvalued or Undervalued?
SBICARD share price is currently trading at a P/E ratio of 43.49x, compared to the industry average of 22.03x. Based on this relative valuation, the SBI Cards and Payment Services Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of SBICARD share price?
The 52-week high of SBICARD share price is ₹1027.25 and the 52-week low is ₹650.05. These values are updated daily from NSE/BSE price data.
What factors affect the SBI Cards and Payment Services Ltd share price?
Key factors influencing SBICARD share price include quarterly earnings growth (Sales Growth: 12.21%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is SBI Cards and Payment Services Ltd a good stock for long-term investment?
SBI Cards and Payment Services Ltd shows a 5-year Profit Growth of 9.01% and an ROE of 14.82%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.33 before investing in SBICARD shares.
How does SBI Cards and Payment Services Ltd compare with its industry peers?
SBI Cards and Payment Services Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare SBICARD share price P/E of 43.49x and ROE of 14.82% against the industry averages to determine competitive standing.
What is the P/E ratio of SBICARD and what does it mean?
SBICARD share price has a P/E ratio of 43.49x compared to the industry average of 22.03x. Investors pay ₹43 for every ₹1 of annual earnings.
How is SBICARD performing according to Bull Run's analysis?
SBICARD has a Bull Run fundamental score of 38.2/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SBICARD belong to?
SBICARD operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting SBI Cards and Payment Services Ltd share price.
What is Return on Equity (ROE) and why is it important for SBICARD?
SBICARD has an ROE of 14.82%, which shows decent profitability but room for improvement. ROE measures how efficiently SBI Cards and Payment Services Ltd generates profits from shareholders capital.
How is SBICARD debt-to-equity ratio and what does it indicate?
SBICARD has a debt-to-equity ratio of 3.33, which indicates high leverage that increases financial risk.
What is SBICARD dividend yield and is it a good dividend stock?
SBICARD offers a dividend yield of 0.29%, meaning you receive ₹0.29 annual dividend for every ₹100 invested in SBI Cards and Payment Services Ltd shares.
How has SBICARD share price grown over the past 5 years?
SBICARD has achieved 5-year growth rates of: Sales Growth 14.26%, Profit Growth 9.01%, and EPS Growth 8.72%.
What is the promoter holding in SBICARD and why does it matter?
Promoters hold 68.59% of SBICARD shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in SBI Cards and Payment Services Ltd.
What is SBICARD market capitalisation category?
SBICARD has a market capitalisation of ₹83417 crores, placing it in the Large-cap category.
How volatile is SBICARD stock?
SBICARD has a beta of N/A. A beta > 1 suggests the SBI Cards and Payment Services Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SBICARD operating profit margin trend?
SBICARD has a 5-year average Operating Profit Margin (OPM) of 28.96%, indicating the company's operational efficiency.
How is SBICARD quarterly performance?
Recent quarterly performance shows SBI Cards and Payment Services Ltd YoY Sales Growth of 12.21% and YoY Profit Growth of 9.98%.
What is the institutional holding pattern in SBICARD?
SBICARD has FII holding of 10.10% and DII holding of 17.76%. Significant institutional holding often suggests professional confidence in the SBI Cards and Payment Services Ltd stock.