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

SBI Cards and Payment Services Limited's revenue is forecasted to dip below last year's figures, raising concerns for investors who are typically wary of declining financial performance. Such drops can directly affect the company's bottom line, potentially leading to a decrease in overall profitability, making investors more cautious in their decisions.

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 positioned well, reflecting a favorable balance between stock price and earnings. The stock isn't overpriced, offering room for growth and making it a potentially rewarding investment as its value has room to rise further.
SBICARD's high debt-to-equity ratio suggests a heavily leveraged capital structure. The company relies on debt to fund operations, which could heighten financial risks, particularly if economic conditions deteriorate or profitability declines.
SBICARD's low growth in both earnings and revenue indicates potential profit shrinkage. This downward trend could be a sign of weakening financial health, signaling challenges for the company's future profitability.
SBICARD's negative gross and operating margins suggest that the company is struggling to cover its production and operating costs, leading to losses. This reflects a weakened financial state and potential difficulties in sustaining profitability.
SBI Cards and Payment Services Limited's forward EPS exceeding its trailing EPS implies that the company is projected to be more profitable this year. This suggests an improvement in financial performance, with analysts expecting SBI Cards and Payment Services Limited to generate stronger earnings compared to the previous financial year.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

The stock price of SBICARD has frequently been close to the lower end of analysts' projections. This trend indicates potential struggles for the company in achieving the growth anticipated by the market.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


A recent sell bias from analysts toward SBICARD suggests caution, but investors should look beyond this sentiment. It's advisable to consider a broad range of market indicators to make well-informed decisions, ensuring a deeper understanding of the stock's potential and market behavior.