SBICARDNon Banking Financial Company (NBFC)
SBI Cards and Payment Services Ltd — PE Ratio & Valuation Analysis
₹635.45
-3.75%
Current P/E43.49xPrice to earnings
Industry P/E22.03xSector average
4Y Avg P/E36.9x17.9% above avg
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97.4% Premium to Industry
SBICARD P/E 43.49x vs sector avg 22.03x
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Historical PE Ratio
| Year | EPS (₹) | Year-end Price | PE Ratio |
|---|---|---|---|
| 2025 | ₹20.14 | ₹862 | 42.8x |
| 2024 | ₹25.37 | ₹664 | 26.2x |
| 2023 | ₹23.80 | ₹760 | 31.9x |
| 2022 | ₹17.02 | ₹796 | 46.7x |
PE = Year-end closing price ÷ Diluted EPS. Source: NSE/BSE filings.
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Understanding SBI Cards and Payment Services Ltd Valuation
SBI Cards and Payment Services Ltd (SBICARD) currently trades at 43.49x earnings. The Non Banking Financial Company (NBFC) sector average PE is 22.03x. SBICARD commands a premium, reflecting high growth expectations. Historically, SBICARD has traded at an average PE of 36.9x — it is currently above that level. Always evaluate PE alongside earnings growth (PEG ratio), return on equity, debt levels and business quality. A lower PE isn't always better. Educational data only — not investment advice.
ROE
14.82%
Dividend Yield
0.29%
More on SBI Cards and Payment Services Ltd
Data from NSE/BSE public filings. Educational purposes only. Bull Run is not SEBI-registered. Not investment advice.