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 is forecasted to dip below last year's figures, raising concerns for investors who are typically wary of declining financial performance. Such drops can directly affect the company's bottom line, potentially leading to a decrease in overall profitability, making investors more cautious in their decisions.

Financial Ratios:

currentRatio 21.127000
forwardPE 22.700611
debtToEquity 332.839000
earningsGrowth 0.099000
revenueGrowth 0.201000
grossMargins 0.532830
operatingMargins 0.206230
trailingEps 20.190000
forwardEps 33.944020

SBI Cards and Payment Services Limited's current ratio is 21.127, showing the company's capacity to service its short-term debt through its cash reserves and current assets. This is a positive indicator of liquidity, suggesting SBI Cards and Payment Services Limited has no trouble covering its short-term financial obligations.
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.
SBICARD'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.
With positive gross and operating margins, SBICARD demonstrates its profitability and efficiency. These metrics show that the company is managing costs well while generating strong revenue, highlighting robust financial health.
SBICARD's forward EPS being higher than its trailing EPS suggests that the company is expected to generate stronger profits this year. This points to improving financial performance, with SBICARD anticipated to deliver better earnings than it did in the prior year.

Price projections:

Price projections for SBICARD
Price projections for SBICARD

SBICARD's stock price has regularly been near the lower end of projections, indicating that it may be struggling to attract investor interest. This pattern suggests a cautious sentiment surrounding the company's future performance.

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.