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

With SBICARD's revenues forecasted to be lower than last year's, investors are expected to be cautious. A decline in revenue typically harms the company's bottom line, reducing profitability and making investors less confident about the company's ability to sustain its financial health.

Financial Ratios:

currentRatio 0.000000
forwardPE 21.609531
debtToEquity 326.132000
earningsGrowth -0.066000
revenueGrowth 0.089000
grossMargins 0.261600
operatingMargins 0.275890
trailingEps 19.720000
forwardEps 32.740000

SBICARD's Forward PE is within a good range, showing that the stock price compares well to its earnings. This suggests it isn't overpriced and leaves room for growth, making the stock appealing to investors looking for value and growth opportunities.
SBICARD's high debt-to-equity ratio signals significant reliance on debt to finance its operations. This heavy leverage can increase financial risk, especially if the company faces a decline in revenue or struggles to meet its debt obligations.
SBICARD's low earnings and revenue growth suggest that the company may face shrinking profits. This could indicate underlying financial challenges, making it difficult for SBICARD to sustain its current profitability.
SBICARD's negative gross and operating margins point to financial difficulties, as the company is incurring losses at both the production and operational levels. This suggests a potential decline in profitability and raises concerns about its financial outlook.
SBI Cards and Payment Services Limited's forward EPS exceeds its trailing EPS, indicating that the company is projected to be more profitable in the current financial year compared to the previous one. This suggests positive growth and improved earnings, signaling an optimistic outlook for SBI Cards and Payment Services Limited's financial performance.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

SBICARD's price has consistently hovered near the lower end of price projections. This trend suggests that the stock is underperforming relative to analyst expectations, indicating a potential lack of momentum for upward movement in the near future.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


Analysts' sell bias for SBICARD suggests caution, but investors should base their decisions on a wide range of market indicators. This ensures a more comprehensive view of SBICARD's market potential and provides a better framework for making balanced investment decisions.