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 20.53400
forwardPE 22.33819
debtToEquity 326.13200
earningsGrowth -0.19400
revenueGrowth -0.02000
grossMargins 0.27460
operatingMargins 0.27283
trailingEps 20.10000
forwardEps 32.74000

SBICARD's current ratio being 20.534 suggests that the company has no issue servicing its short-term debt. Its strong liquidity position, supported by sufficient cash reserves and current assets, ensures that SBICARD can meet its financial obligations with ease.
SBI Cards and Payment Services Limited's Forward PE is at a healthy level, meaning the stock price is aligned favorably with earnings. This suggests that the stock isn't overpriced, providing room for growth and making it an appealing option for investors looking to capitalize on potential future gains.
SBICARD'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 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 suggest the company is not generating profit from either its production process or day-to-day operations. This could signal cost overruns or difficulties in maintaining revenue levels.
SBI Cards and Payment Services Limited's forward EPS is higher than its trailing EPS, suggesting the company is expected to improve its profitability this financial year. This reflects growing confidence in SBI Cards and Payment Services Limited's earnings potential, with forecasts indicating better financial performance than in the prior year.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

Price projections for SBICARD have steadily increased, reflecting growing optimism about the company's future. This trend suggests that analysts believe SBICARD is well-positioned for continued success.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


Analysts have recently developed a sell bias for SBI Cards and Payment Services Limited, suggesting caution when making investment decisions. Investors are advised to rely on a broad range of market indicators rather than solely on this bias to ensure a more comprehensive understanding of the stock's potential before taking action.