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SBI Cards and Payment Services Limited (SBICARD) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

SBI Cards and Payment Services Limited

SBICARDMarket cap $5.62BPrice $5.9

Country🇮🇳India

SectorFinancials

IndustryConsumer Finance

Issues and manages credit cards across India, backed by the country's largest bank, State Bank of India. It's the second-largest card issuer nationwide, riding the wave of a population rapidly shifting from cash to plastic.

In Bastion Portfolios?

52W Return-44%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+2%4

Revenue Forecast

Rev CAGR (1y)+53%10

Rev CAGR (3y)+26%9

Rev CAGR (5y)+18%9

Earnings Forecast

EPS Growth Y+1+27%8

EPS Growth Y+2+19%8

EPS Growth Y+3+18%8

Quality

Margins

EBIT Margin0%7

Net Income Margin18%8

Free Cash Flow Margin4%4

Debt

Net Debt/EBITDAna–

Efficiency

ROE15%7

ROAna–

Earnings Stability77

GEAR+AVERAGE67

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)185

P/E Ratio (Forward 3y)135

P/BV3.44

EV Multiples

EV/EBITDA Fwd05

EV/EBIT Fwd05

Yield

Free Cash Flow Yield0.0%4

Dividend Yieldna–

Momentum

Short term

1 month return-16%1

3 month return-6%4

YTD return-34%1

Mid term

Price vs 52wHigh59%2

1 year return-37%1

Long term

3 year return-28%1

5 year return-49%1

Risk Shield

Price Risk

Beta0.58

Volatility27%8

Free Cash Flow

Free Cash Flow Margin4%4

Free Cash Flow Yield0.0%4

Quality

ROCE22%–

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

SBICARDSBI Cards and Payment Services

Revenue FY26$1.3B

GROWTH RATING↗

VERY STRONG87 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+2%4

Revenue, next 1Y+53%10

Revenue, next 3Y, CAGR+26%9

Revenue, next 5Y, CAGR+18%9

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+27%8

EPS growth, FY28E+19%8

EPS growth, FY29E+18%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 87% of companies worldwide.

Revenue is set to grow 26%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 2%/yr over the last 3 years and is set to grow 26%/yr from here.

The runway holds up: revenue is set to grow 18%/yr over five years.9/10

WATCH

Earnings are set to grow slower than sales (EPS about 19%/yr vs revenue 26%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

SBICARDSBI Cards and Payment Services

Total return Current−27.2%

Price return Current−28.6%

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-16%1

3-month return-6%4

YTD return-34%1

MID & LONG-TERM▾SCORE

% of 52-week high59%2

1-year return-37%1

3-year return-28%1

5-year return-49%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over three months (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-28% over three years and -49% over five), behind 90% of the market.

It's down 37% over the past year, now 41% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-16%) and so far this year (-34%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on SBI Cards and Payment Services Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

SBICARDSBI Cards and Payment Services

Revenue FY26$1.3B

GROWTH RATING↗

VERY STRONG87 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+2%4

Revenue, next 1Y+53%10

Revenue, next 3Y, CAGR+26%9

Revenue, next 5Y, CAGR+18%9

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+27%8

EPS growth, FY28E+19%8

EPS growth, FY29E+18%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 87% of companies worldwide.

Revenue is set to grow 26%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 2%/yr over the last 3 years and is set to grow 26%/yr from here.

The runway holds up: revenue is set to grow 18%/yr over five years.9/10

WATCH

Earnings are set to grow slower than sales (EPS about 19%/yr vs revenue 26%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

SBICARDSBI Cards and Payment Services

Total return Current−27.2%

Price return Current−28.6%

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-16%1

3-month return-6%4

YTD return-34%1

MID & LONG-TERM▾SCORE

% of 52-week high59%2

1-year return-37%1

3-year return-28%1

5-year return-49%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over three months (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-28% over three years and -49% over five), behind 90% of the market.

It's down 37% over the past year, now 41% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-16%) and so far this year (-34%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on SBI Cards and Payment Services Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community