SBI Cards and Payment Services Limited (SBICARD) — key facts
NSE-listed · Financial Services. Data as of 11 Nov 2026 (IST) from InvestSights.
Last close: ₹590.15 (+1.31% day change)
Key ratios
- P/E ratio
- 25.92
- P/B ratio
- 3.85
- ROE (%)
- 13.78
- ROCE (%)
- 11.87
- Debt/Equity
- 2.8
- Dividend yield (%)
- 0.36
- Market cap (₹ Cr)
- 56,161.27
Financial health
Industrial forensic models are not applicable. NBFC financial health is assessed using the documented Ind-AS lending framework.
InvestSights quality score
55.4/100 — Average (descriptive data-driven composite; not a recommendation)
Management guidance track record
- Detractor Score (DSAT): guided 5pct, delivered 4.62pct (FY24) — exceeded guidance
- Gross credit cost: guided 7–8pct, delivered 9pct (FY25) — missed guidance
Latest earnings call (Q2 FY27)
AI summary: The central signal is that SBI Card’s earnings recovery has shifted from credit-cost normalisation toward a test of whether festive spending can produce sustainable receivables growth without weakening underwriting or margins. Q2 PAT rose 75% YoY to ₹778 crore, while gross credit cost declined to 5.6% and gross NPA to 1.9%. However, management believes credit costs have…
Full analysis on InvestSights
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