Stock Research: SBI Cards and Payment Services

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SBI Cards and Payment Services

NSI:SBICARD INE018E01016
1
  • Value
    14
  • Growth
    34
  • Safety
    Safety
    13
  • Combined
    1
  • Sentiment
    31
  • 360° View
    360° View
    1
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Company Description

SBI Cards and Payment Services Limited is an India-based company providing credit card services. It operates in the credit card industry, offering a wide range of credit cards for individuals (travel & fuel, lifestyle, shopping, banking partnership cards) and corporate clients (central travel, utility, corporate purchase, and corporate virtual cards). The company primarily operates in India, serving various cardholder segments. In the last fiscal year, the company had a market cap of $9933 million, profits of $2041 million, and revenue of $2115 million.

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ANALYSIS: With an Obermatt 360° View of 1 (better than 1% compared with alternatives), overall professional sentiment and financial characteristics for the stock SBI Cards and Payment Services are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with all four indicators below average for SBI Cards and Payment Services. The consolidated Value Rank has a low rank of 14 which means that the share price of SBI Cards and Payment Services is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 86% of alternative stocks in the same industry. The consolidated Growth Rank also has a low rank of 34, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is lower than for 34% of competitors in the same industry. The consolidated Safety Rank has a riskier rank of 13, which means that the company has a riskier financing structure than 87% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, the consolidated Sentiment Rank has a low rank of 31, which means that professional investors are more pessimistic about the stock than for 69% of alternative investment opportunities. ...read more

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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Mar-2026.

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The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

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Metrics Current 2025 2024 2023
Value
14 25 33 16
Growth
34 57 43 69
Safety
Safety
13 62 62 79
Sentiment
31 7 3 29
360° View
360° View
1 27 17 45
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Metrics Current 2025 2024 2023
Analyst Opinions
4 9 20 68
Opinions Change
44 9 50 50
Pro Holdings
n/a 54 41 66
Market Pulse
67 5 2 3
Sentiment
31 7 3 29
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Metrics Current 2025 2024 2023
Value
14 25 33 16
Growth
34 57 43 69
Safety Safety
13 62 62 79
Combined
1 47 38 64
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
38 33 46 33
Price vs. Earnings (P/E)
7 18 24 13
Price vs. Book (P/B)
18 11 13 7
Dividend Yield
55 22 26 20
Value
14 25 33 16
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Metrics Current 2025 2024 2023
Revenue Growth
65 64 77 84
Profit Growth
67 17 39 69
Capital Growth
17 74 74 55
Stock Returns
14 71 19 35
Growth
34 57 43 69
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Metrics Current 2025 2024 2023
Leverage
16 20 20 32
Refinancing
1 100 82 86
Liquidity
37 56 69 67
Safety Safety
13 62 62 79

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Frequently Asked
Questions

This is a highly risky stock investment proposition as all consolidated ranks are below-average. There are no compelling arguments to support this stock based on current information. It is not recommended for any investor profile. However, performance does change, so it could we worth keepin on a watchlist.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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