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

SBICARD's revenue projections show a decrease from last year, which tends to make investors more cautious. This could have a negative impact on the company's bottom line, as lower revenues typically suggest reduced profitability and growth potential, prompting concern among investors.

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

SBI Cards and Payment Services Limited's current ratio, being 20.534, means the company is well-positioned to meet its short-term debt obligations. This reflects SBI Cards and Payment Services Limited's strong liquidity, as its cash reserves and current assets provide more than enough coverage for its immediate liabilities.
SBI Cards and Payment Services Limited's Forward PE is in a strong range, indicating that its stock price compares well with its earnings. The stock is not considered overpriced, leaving ample room for growth and making it a promising option for investors looking for value and future returns.
SBI Cards and Payment Services Limited's high debt-to-equity ratio indicates that the company is using more debt than equity to fund its operations. This high leverage could expose the company to greater financial risk, especially during periods of declining profitability.
SBICARD's low earnings and revenue growth suggest shrinking profits. This negative trend could indicate that the company is struggling to maintain its financial performance and may face challenges ahead.
SBI Cards and Payment Services Limited's negative gross and operating margins point to financial difficulties, as the company is unable to generate profit from its core operations or production. This could signal broader problems in cost management or declining sales.
With a forward EPS greater than its trailing EPS, SBI Cards and Payment Services Limited is forecasted to be more profitable this year than last. This growth expectation reflects confidence in the company's earnings potential and suggests an improving financial trajectory for the year ahead.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

Price projections for SBICARD have consistently been revised upward, suggesting that analysts are increasingly optimistic about the company's performance. This trend reflects a positive outlook for SBICARD's future.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


Analysts have signaled a sell bias for SBICARD, but investors should consider a broad range of market indicators before making any decisions. This ensures a well-rounded understanding of SBICARD's position in the market and helps avoid reactionary moves based solely on this sentiment.