SBI Cards and Payment Services Limited
SBI Cards and Payment Services Limited Fundamental Analysis
SBI Cards and Payment Services Limited (SBICARD.NS) shows moderate financial fundamentals with a PE ratio of 35.88, profit margin of 10.77%, and ROE of 14.50%. The company generates $194.2B in annual revenue with strong year-over-year growth of 13.73%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 36.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SBICARD.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakSBICARD.NS struggles to generate sufficient returns from assets.
Valuation Score
WeakSBICARD.NS trades at a premium to fair value.
Growth Score
ModerateSBICARD.NS shows steady but slowing expansion.
Financial Health Score
WeakSBICARD.NS carries high financial risk with limited liquidity.
Profitability Score
WeakSBICARD.NS struggles to sustain strong margins.
Key Financial Metrics
Is SBICARD.NS Expensive or Cheap?
P/E Ratio
SBICARD.NS trades at 35.88 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, SBICARD.NS's PEG of 3.97 indicates potential overvaluation.
Price to Book
The market values SBI Cards and Payment Services Limited at 4.89 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 5.77 times EBITDA. This is generally considered low.
How Well Does SBICARD.NS Make Money?
Net Profit Margin
For every $100 in sales, SBI Cards and Payment Services Limited keeps $10.77 as profit after all expenses.
Operating Margin
Core operations generate 27.45 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.50 in profit for every $100 of shareholder equity.
ROA
SBI Cards and Payment Services Limited generates $3.10 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
SBI Cards and Payment Services Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
SBI Cards and Payment Services Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
SBICARD.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
35.88
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.97
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.89
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.87
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.01
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How SBICARD.NS Stacks Against Its Sector Peers
| Metric | SBICARD.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 35.88 | 19.09 | Worse (Expensive) |
| ROE | 14.50% | 843.00% | Weak |
| Net Margin | 10.77% | 3730.00% | Weak |
| Debt/Equity | 3.01 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.00 | 661.68 | Weak Liquidity |
| ROA | 3.10% | -21651.00% (disorted) | Weak |
SBICARD.NS outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews SBI Cards and Payment Services Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
99.71%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
50.90%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
48.41%
Industry Style: Value, Dividend, Cyclical
High Growth