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 expected to fall below the previous year's, investors are likely to approach the stock with caution. Declining revenues can negatively affect profitability, which makes it harder for the company to maintain investor confidence and perform well in the market.

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 in a reasonable range, indicating the stock is priced well relative to its earnings. The stock isn't overpriced, which leaves room for future growth, making it an attractive option for investors seeking value and long-term gains.
SBI Cards and Payment Services Limited's high debt-to-equity ratio indicates significant leverage, meaning the company has more debt compared to its equity. While this can accelerate growth, it also increases financial risk if revenue or profits decline.
SBICARD's low growth in both earnings and revenue indicates the company's profits may decrease. This trend could signal a downturn in financial performance, suggesting that SBICARD might struggle to maintain its current profit levels.
SBICARD's negative gross and operating margins indicate that the company is not generating profit from either production or day-to-day operations. This could suggest cost overruns or declining revenue, impacting its financial stability.
SBI Cards and Payment Services Limited's forward EPS is greater than its trailing EPS, indicating that the company is expected to deliver higher profitability this year. This suggests that SBI Cards and Payment Services Limited is projected to improve its earnings, reflecting positive growth compared to last year's financial performance.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

SBICARD's price has frequently been situated near the lower end of analysts' projections. This trend indicates that the stock is struggling to meet expectations, which could signal a need for improvements in performance or investor confidence.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


Analysts have developed a sell bias for SBICARD, urging caution for investors. It's essential to base investment decisions on multiple market indicators to avoid hasty conclusions. Relying on a broader scope of information will provide a more accurate assessment of SBICARD's overall potential.