Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

SBI Cards and Payment Services Limited, a non-banking financial company, issues credit cards to individual and corporate customers in India. The company also acts as corporate insurance agent for selling insurance policies to credit card customers. In addition, it offers corporate cards, central travel cards, utility cards, and purchase and virtual cards. The company was incorporated in 1998 and is based in Gurugram, India. SBI Cards and Payment Services Limited operates as a subsidiary of State Bank of India.

Revenue projections:

Revenue projections for SBICARD
Revenue projections for SBICARD

Investors may react cautiously to news that SBICARD's revenues are forecasted to be lower than last year's. Such declines are likely to have a negative effect on the company's bottom line, which can lead to concerns about profitability and hinder investor confidence in the company's future performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 21.138283
debtToEquity 332.839000
earningsGrowth 0.452000
revenueGrowth 0.260000
grossMargins 0.517780
operatingMargins 0.240100
trailingEps 21.990000
forwardEps 31.710240

SBICARD's Forward PE is in a strong range, indicating that its stock price compares well with its earnings. The stock is not considered overpriced, leaving ample room for growth and making it a promising option for investors looking for value and future returns.
SBI Cards and Payment Services Limited's high debt-to-equity ratio reveals that the company is heavily reliant on debt for financing. This high level of leverage increases the risk of financial strain if profits decline or interest rates rise.
SBICARD's positive earnings and revenue growth signal the company's business is on track for further expansion. These strong financial trends suggest that SBICARD will continue to grow its operations, driven by increasing profits and revenue.
Positive gross and operating margins for SBICARD demonstrate the company's profitability. These margins reflect strong financial performance, with efficient operations contributing to the company's ability to generate consistent profits.
SBI Cards and Payment Services Limited's forward EPS exceeding its trailing EPS means that the company is expected to increase profitability in the current financial year. This reflects improved earnings potential, signaling that SBI Cards and Payment Services Limited is likely to outperform its previous year's financial performance.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

SBI Cards and Payment Services Limited's price has consistently hovered around the lower end of analysts' projections. This pattern may reflect concerns regarding the company's ability to achieve its anticipated growth.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


The analysts' sell bias for SBICARD suggests caution for investors, but it's essential to make decisions based on a wide array of market indicators. This approach ensures a comprehensive view of SBICARD's position, helping to navigate any potential risks more effectively.