ScoreWhy is SBI Cards & Payment Services Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 19.77%
2
Negative results in Dec 24
- PBT LESS OI(Q) At Rs 369.76 cr has Fallen at -40.0% (vs previous 4Q average)
- PAT(Q) At Rs 383.23 cr has Fallen at -30.6% (vs previous 4Q average)
- PBDIT(Q) Lowest at Rs 1,247.16 cr.
3
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 08-Apr-25
- The stocks MACD and KST technical factors are also Bullish
4
With ROE of 15.6, it has a Very Expensive valuation with a 6.1 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 13.84%, its profits have fallen by -12.7%
5
High Institutional Holdings at 25.99%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating Performance
- Even though the market (BSE 500) has generated negative returns of -0.91% in the last 1 year, the stock has been able to generate 13.84% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to SBI Cards should be less than 10%
- Overall Portfolio exposure to Finance/NBFC should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance/NBFC)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is SBI Cards for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
SBI Cards
13.91%
0.61
22.69%
SENSEX
0.45%
0.03
14.48%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
39
Industry P/E
20
Price to Book Value
6.14
EV to EBIT
22.88
EV to EBITDA
22.05
EV to Capital Employed
2.23
EV to Sales
6.86
PEG Ratio
NA
Dividend Yield
0.30%
ROCE (Latest)
9.97%
ROE (Latest)
15.62%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-14What is not working for the Company
PBT LESS OI(Q)
At Rs 369.76 cr has Fallen at -40.0% (vs previous 4Q average
PAT(Q)
At Rs 383.23 cr has Fallen at -30.6% (vs previous 4Q average
PBDIT(Q)
Lowest at Rs 1,247.16 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 27.00%
EPS(Q)
Lowest at Rs 4.03
Loading Valuation Snapshot...
Here's what is not working for SBI Cards
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 369.76 cr has Fallen at -40.0% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 616.16 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 383.23 cr has Fallen at -30.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 552.58 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 1,247.16 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 27.00%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 369.76 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Lowest at Rs 4.03
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Non Operating Income - Quarterly
Highest at Rs 147.87 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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