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 is projected to experience a revenue decline compared to last year, a development that often leads to investor caution. The drop could negatively impact the company's bottom line, as lower revenues typically signal reduced profitability, prompting more conservative investment strategies.

Financial Ratios:

currentRatio 20.534000
forwardPE 24.644844
debtToEquity 326.132000
earningsGrowth -0.194000
revenueGrowth -0.020000
grossMargins 0.274600
operatingMargins 0.272830
trailingEps 20.140000
forwardEps 32.740000

SBI Cards and Payment Services Limited's current ratio 20.534, suggesting the company has sufficient liquidity to service its short-term debt. With its cash reserves and current assets in good shape, SBI Cards and Payment Services Limited can comfortably meet its immediate liabilities, reflecting a healthy financial standing.
SBI Cards and Payment Services Limited's Forward PE ratio suggests that the stock is priced appropriately in relation to its earnings. Not being overpriced, it offers room for growth, signaling potential upside for investors looking for a stock with reasonable valuation and growth potential.
SBICARD's high debt-to-equity ratio suggests a heavily leveraged capital structure. The company relies on debt to fund operations, which could heighten financial risks, particularly if economic conditions deteriorate or profitability declines.
SBICARD's low earnings and revenue growth suggest shrinking profits are likely. This could reflect broader financial struggles, signaling that the company might face difficulties in sustaining its profitability.
SBICARD's negative gross and operating margins indicate the company is operating at a loss, unable to generate profit from its core business activities. This suggests financial strain and potential challenges in maintaining profitability.
SBICARD's forward EPS is greater than its trailing EPS, indicating that the company is expected to deliver higher profitability this year. This suggests that SBICARD 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 projections have been revised higher over time, reflecting increased confidence in the company's future potential. This steady upward trend suggests analysts expect SBICARD to continue its positive trajectory.

Recommendation changes over time:

Recommendations trend for SBICARD
Recommendations trend for SBICARD


With analysts leaning toward a sell bias for SBICARD, investors should be cautious and make decisions based on a wider set of market indicators. This approach will help balance short-term concerns with longer-term market trends, providing a more holistic view of the stock.