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

SBICARD's revenues are expected to fall below last year's, and this forecast tends to raise concerns among investors. A revenue drop can negatively impact the company's profitability, making investors more cautious about their positions due to the risks of declining financial performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 30.148304
debtToEquity 330.170000
earningsGrowth -0.303000
revenueGrowth -0.186000
grossMargins 0.570790
operatingMargins 0.208980
trailingEps 21.520000
forwardEps 32.740000

SBI Cards and Payment Services Limited's high debt-to-equity ratio indicates a strong reliance on debt, meaning the company is heavily leveraged. This could increase financial risks if cash flow or earnings decline, making it more difficult for SBI Cards and Payment Services Limited to manage its debt obligations.
SBICARD's low growth in both earnings and revenue indicates the company's profits may decrease. This trend could signal a downturn in financial performance, suggesting that SBICARD might struggle to maintain its current profit levels.
SBI Cards and Payment Services Limited's positive gross and operating margins suggest strong profitability. These margins reflect effective cost management and revenue generation, indicating that the company is efficiently managing its operations and maintaining financial health.
With SBI Cards and Payment Services Limited's forward EPS higher than its trailing EPS, the company is expected to be more profitable in the current financial year. This signals confidence in SBI Cards and Payment Services Limited's growth potential, as improved earnings are forecasted compared to the prior year's performance.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

SBI Cards and Payment Services Limited's price projections have gradually increased over time, indicating that analysts are becoming more optimistic about the company's prospects. This suggests confidence in SBI Cards and Payment Services Limited's ability to achieve future growth.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


SBICARD has received a favorable buy bias from analysts recently, positioning it as a solid investment opportunity. This sentiment may attract more investors, who view SBICARD as a stable option to park their money and potentially benefit from the company's continued growth and profitability.