SBI Cards and Payment Services Ltd (SBICARD) share fundamentals
SBI Cards and Payment Services Ltd is a large-cap company in Financials (Payment Infrastructure) with a market capitalisation of ₹52,626 crore. Here is where it stands on valuation, profitability, debt and growth as of 5 November 2026, and how it compares with the median Financials company.
Financial health score
Out of 100, across five pillars of reported fundamentals.
What stands out
- Debt/equity 2.80x — heavily leveraged
- Current ratio 0.18 — short-term liabilities exceed current assets
- Positive free cash flow and profitable
SBI Cards and Payment Services Ltd vs the Financials median
| Metric | SBICARD | Sector median | |
|---|---|---|---|
| PE ratioprice paid for each rupee of yearly profit | 24.29x | 13.24x | Weaker |
| Price to bookprice against the book value of assets | 3.35x | 1.07x | Weaker |
| EV / EBITDAbusiness value against operating profit | 30.35x | 24.82x | Weaker |
| Dividend yieldyearly dividend as a share of price | 0.5% | 0.9% | Weaker |
| Return on equityprofit on shareholders’ money | 14.7% | 4.8% | Better |
| ROCEprofit on all capital employed | 8.9% | 3.4% | Better |
| Net profit marginprofit kept from each rupee of sales | 10.5% | 12.4% | Weaker |
| Debt to equityborrowing against shareholders’ money | 2.8x | 0.07x | Weaker |
| Interest coveragehow many times profit covers interest | — | 6.79x | |
| Current ratioshort-term assets against short-term dues | 0.18x | 2.29x | Weaker |
| Revenue growth (1Y)change in sales over a year | 11.1% | 10% | Better |
| EPS growth (1Y)change in earnings per share over a year | 13% | 4.9% | Better |
| Promoter holdingshare owned by the founders or parent | 68.9% | 54.6% | Better |
| Promoter pledgepromoter shares pledged as loan security | 0% | 0% | In line |
| Betahow much it moves with the market | 1.01 | 1.02 | |
| 1-year returnshare price change over 52 weeks | -33% | -12.8% |
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Axis Bank LimitedAXISBANK · score 72
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What is the PE ratio of SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd trades at a PE of 24.29x as of 5 November 2026, against a Financials median of 13.24x. PE is the price paid for each rupee of yearly profit.
Is SBI Cards and Payment Services Ltd debt free?
No. SBI Cards and Payment Services Ltd has a debt-to-equity ratio of 2.8x, against a Financials median of 0.07x.
What is the ROCE and ROE of SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd has a return on capital employed of 8.9% and a return on equity of 14.7%. The Financials medians are 3.4% and 4.8%.
What is the DecideChart health score of SBI Cards and Payment Services Ltd?
SBI Cards and Payment Services Ltd scores 51.9 out of 100, graded Caution. The score weighs profitability, debt, valuation, growth and governance from the company’s reported numbers. It is a research aid, not a recommendation.
Should I buy SBI Cards and Payment Services Ltd shares?
DecideChart does not give buy or sell tips and is not linked to SEBI, BSE or NSE. Use these numbers for your own research, compare SBI Cards and Payment Services Ltd with its Financials peers, and consult a SEBI-registered adviser before investing.
Fundamentals from a public market-data screener, as of 5 November 2026. Figures can lag company filings. DecideChart is AI-based, not linked to SEBI, BSE or NSE, and does not give investment advice.