SBICARD Share Price Performance
₹746.50
-81.45 (-9.84%)
14.8% overvalued intrinsic discount
₹650.00
Fair Value
Price ₹746.50
AnalystLowTarget ₹650.00
AnalystConsensusTarget ₹882.72
AnalystHighTarget ₹1,080.00
Fair Value₹650.00
Share Pricen/a
SBI Cards and Payment Services Limited Stock Price
- 3 Narratives written by author
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- 35 Fair Values set on narratives written by author
SBICARD Community Narratives
AN
Fair Value ₹650 14.8% overvalued intrinsic discount
UPI Growth And Data Risks Will Erode Credit Returns
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AN
Fair Value ₹879 15.1% undervalued intrinsic discount
India Digital Payments And Emerging Markets Will Drive Expansion
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AN
Fair Value ₹1.08k 30.9% undervalued intrinsic discount
Rising UPI Adoption And Expanding Middle Class Will Transform Commerce
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UPI Growth And Data Risks Will Erode Credit Returns
Key Takeaways Rapid growth of digital payments and fintech competitors threatens the long-term relevance and profitability of traditional credit card offerings. Rising regulatory, compliance, and credit risks are likely to constrain margins and increase earnings volatility amid shifting market dynamics.Read more
14
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AN
₹650
14.8% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
27.57% p.a.
Profit Margin
17.04%
Future PE
23.61x
Price in 2029
₹997.99
Rising UPI Adoption And Expanding Middle Class Will Transform Commerce
Key Takeaways Expanding digital payments and innovative products uniquely position SBI Cards for accelerated revenue and margin growth beyond market expectations. Advanced analytics and strong partnerships allow SBI Cards to capture premium customers while reducing credit risks, supporting stronger long-term profitability.Read more
9
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AN
₹1.08k
30.9% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
38.98% p.a.
Profit Margin
18.89%
Future PE
29.55x
Price in 2029
₹1.69k
India Digital Payments And Emerging Markets Will Drive Expansion
Key Takeaways Expansion into less penetrated markets and digital integration strengthens growth prospects and increases revenue opportunities through greater card adoption and usage. Product diversification, strategic partnerships, and improved risk controls support stable earnings and better credit quality amid favorable industry trends.Read more
56
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AN
₹879
15.1% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
33.65% p.a.
Profit Margin
17.9%
Future PE
30.17x
Price in 2028
₹1.39k
Trending Discussion
Recently Updated Narratives
AN
SBICARD: Elevated P/E And Stable Margins Will Constrain Future Upside
Fair Value: ₹650 14.8% overvalued intrinsic discount
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AN
SBICARD: Lower Discount Rate And Higher Future P/E Will Support Upside
Fair Value: ₹1.08k 30.9% undervalued intrinsic discount
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AN
India Digital Payments And Emerging Markets Will Drive Expansion
Fair Value: ₹879 15.1% undervalued intrinsic discount
26 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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Snowflake Analysis
SBI Cards and Payment Services Limited Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
n/a
- 21.98
- 51.78%
- 18.39%
- 332.8%
About SBICARD
- Founded
- 1998
- Employees
- 4098
- CEO
- WebsiteView website
SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate cards, central travel cards, utility cards, and purchase and virtual cards. It also acts as a corporate insurance agent for selling insurance policies to credit card customers. The company was incorporated in 1998 and is headquartered in Gurugram, India. SBI Cards and Payment Services Limited is a subsidiary of State Bank of India.
