SBI Cards and Payment Services Ltd.
NSE: SBICARDSBI Cards and Payment Services Ltd.: A 30-second snapshot
SBI Cards trades at ₹660.15, up 1.62% over 3 months and back above its 50-day moving average (₹616.75), but still 10.63% below its 200-day average (₹738.67) and 31.35% below its 52-week high, having declined 19.35% over the trailing 12 months. The stock carries a trailing PE of 27.64x (forward 18.55x) against a mean analyst rating of 2.79 across 24 analysts (1-5 scale, lower = more constructive), and ranks 3rd of 6 tracked financial-sector peers on PE and 4th of 6 on composite quality score (45).
P/E
27.6
Forward P/E
18.5
ROE
—
Debt / Equity
280.21
Profit Margin
+18.2%
Div. Yield
+0.4%
5Y ROE > 15%
2/5
5Y FCF > 0
1/5
Quality
50/100
News
8 headlines · 7 positive · 0 negative
SBI Card, Google Pay Partner To Launch Fully Digital 'Flex SBI Card'; Offer Rs 1,000 Welcome Benefits - NDTV Profit
NDTV Profit
SBI Cards and Google Pay Launch Co-Branded Google Pay Flex SBI Card - scanx.trade
scanx.trade
SBI Cards Launches Co-Branded Google Pay Flex SBI Card - Sahi
Sahi
SBI Card posts higher quarterly profit on asset quality boost - Moneycontrol.com
Moneycontrol.com
India's SBI Card posts higher quarterly profit on asset quality boost - marketscreener.com
marketscreener.com
Recent context
- ·A Google Pay co-branded 'Flex SBI Card' launch was covered across three separate outlets (NDTV Profit, scanx.trade, Sahi) on 2026-07-29 — one underlying product event rather than three distinct developments.
- ·Q4 results reported higher quarterly profit 'on asset quality boost' per Moneycontrol and marketscreener.com coverage dated 2026-07-24.
- ·Tracked news sentiment reads positive (7 of 8 items, 0 negative) over the past week, while the stock remains down 19.35% over the trailing 12 months.
Strengths
- +Recent price action shows a 3-month gain of 1.62%, price back above the 50-DMA (+7.03%), and a neutral RSI of 62.86 with no overbought/oversold extreme.
- +5-year revenue growth of 23.4% and 5-year earnings growth of 19.5%.
- +Recent product and results news: a Google Pay co-branded 'Flex SBI Card' launch (reported 2026-07-29 across three outlets) and Q4 results showing higher profit attributed to an asset-quality improvement (reported 2026-07-24).
- +Forward PE of 18.55x sits below the trailing PE of 27.64x, consistent with analyst estimates embedding further earnings growth.
Weaknesses
- −Free cash flow was positive in only 1 of the measured years, alongside a rising debt trend — a persistence pattern that warrants monitoring even given the NBFC receivables-funding model.
- −Profitability consistency score of 24/100, with ROE above 15% in only 2 of the tracked years; the current ROE figure is unavailable in this data pull.
- −Price remains 31.35% below the 52-week high and 10.63% below the 200-DMA despite the recent 3-month uptick.
- −Composite quality score of 45 ranks 4th of 6 tracked financial-sector peers, below the group median.
Open questions
- ?Does the reported Q4 improvement in asset quality reflect a structural shift in the credit-card receivables book, or a cyclical/seasonal effect?
- ?How does the rising debt trend alongside only 1-of-5 years of positive free cash flow compare with the funding pattern typical of NBFC/credit-card lenders growing their receivables book?
- ?What factors might explain the gap between positive recent news flow and the stock still trading 31% below its 52-week high?
- ?With the current-period ROE metric unavailable in this data pull, what does the return-on-equity trend look like over the last several quarters relative to the 24-out-of-100 consistency score?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| SBICARD | SBI Cards and Payment Services Ltd.You're viewing | 27.6 | — | 45 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹660.15
SMA 50
₹616.75
SMA 200
₹738.67
RSI (14)
62.9 (neutral)
From 52w high
-31.4%
1Y return
-19.4%
3M return
+1.6%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highFree cash flow was positive in only 1 of the measured years (negative in the other 4) alongside a rising debt trend. Debt-to-equity of 2.80x (raw Yahoo figure 280.206 is percent-scaled, i.e. divided by 100) is not unusual for a card-lending NBFC funding receivables growth with borrowings, but the persistence of negative FCF across most of the tracked period meets the threshold for sustained cash-generation weakness regardless of sector.
- mediumProfitability consistency score of 24 out of 100; ROE exceeded 15% in only 2 of the tracked years. The current-period ROE figure itself is null in this data pull, so the trend cannot be cross-checked against the latest quarter.
- mediumPrice is 31.35% below the 52-week high and down 19.35% over the trailing 12 months, and sits 10.63% below the 200-DMA (₹738.67). Over the most recent 3 months the stock is up 1.62% and back 7.03% above the 50-DMA (₹616.75), with RSI at 62.86 (neutral, not overbought).
- lowThe ROE field in the fundamental keyMetrics block is null despite the persistence block referencing a years-above-15% count, leaving a gap in the primary profitability metric. Separately, the technical section carries no explicit as-of timestamp independent of the stale 2026-05-11 draft runDate, so the current-price freshness relative to the 2026-08-01 run date could not be independently confirmed (the price series itself, 274 bars, is internally consistent with the quoted support/resistance levels).
Cross-section contradictions
- News sentiment over the past week is uniformly positive (7 of 8 tracked articles, 0 negative) — driven mainly by the Google Pay co-branded card launch and Q4 results — yet the stock remains 31.35% below its 52-week high and down 19.35% over the trailing 12 months. Near-term headline flow has not been accompanied by a comparable recovery in the longer-term price trend, though the stock is up 1.62% over 3 months and back above its 50-DMA.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Aug 2026 · rotates through NIFTY 500 every ~5 days