SBI Cards and Payment Services Limited

BSE:543066 Stock Report

Market Cap: ₹668.5b

SBI Cards and Payment Services Valuation

Is 543066 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 543066 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 543066 (₹702.6) is trading above our estimate of fair value (₹246.85)

Significantly Below Fair Value: 543066 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 543066?

Key metric: As 543066 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 543066. This is calculated by dividing 543066's market cap by their current earnings.
What is 543066's PE Ratio?
PE Ratio30.2x
Earnings₹22.10b
Market Cap₹668.51b

Price to Earnings Ratio vs Peers

How does 543066's PE Ratio compare to its peers?

The above table shows the PE ratio for 543066 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average24x
MUTHOOTFIN Muthoot Finance
19.4x14.3%₹906.1b
SUNDARMFIN Sundaram Finance
33.3x13.0%₹522.1b
511243 Cholamandalam Investment and Finance
27.7x21.9%₹1.1t
M&MFIN Mahindra & Mahindra Financial Services
15.6x17.0%₹340.4b
543066 SBI Cards and Payment Services
30.2x20.7%₹668.5b

Price-To-Earnings vs Peers: 543066 is expensive based on its Price-To-Earnings Ratio (30.2x) compared to the peer average (24x).

Price to Earnings Ratio vs Industry

How does 543066's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
523384 Maha Rashtra Apex
0.6xn/aUS$24.32m
No more companies available in this PE range
543066 30.2xIndustry Avg. 23.5xNo. of Companies13PE01632486480+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 543066 is expensive based on its Price-To-Earnings Ratio (30.2x) compared to the Indian Consumer Finance industry average (22.8x).

Price to Earnings Ratio vs Fair Ratio

What is 543066's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

543066 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio30.2x
Fair PE Ratio24.3x

Price-To-Earnings vs Fair Ratio: 543066 is expensive based on its Price-To-Earnings Ratio (30.2x) compared to the estimated Fair Price-To-Earnings Ratio (24.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 543066 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹702.60
₹693.08
-1.4%
12.9%₹960.00₹549.00n/a24
Dec ’25₹700.65
₹692.04
-1.2%
13.0%₹960.00₹549.00n/a24
Nov ’25₹694.05
₹692.88
-0.2%
13.0%₹960.00₹549.00n/a24
Oct ’25₹770.40
₹726.17
-5.7%
11.7%₹913.00₹590.00n/a24
Sep ’25₹723.40
₹704.88
-2.6%
10.6%₹900.00₹590.00n/a24
Aug ’25₹720.20
₹708.09
-1.7%
10.5%₹900.00₹599.00n/a23
Jul ’25₹723.25
₹765.40
+5.8%
11.3%₹988.00₹600.00n/a25
Jun ’25₹692.00
₹768.81
+11.1%
11.3%₹988.00₹600.00n/a26
May ’25₹728.10
₹768.81
+5.6%
11.3%₹988.00₹600.00n/a26
Apr ’25₹688.65
₹779.77
+13.2%
11.0%₹990.00₹620.00n/a26
Mar ’25₹717.75
₹781.36
+8.9%
11.1%₹990.00₹620.00n/a25
Feb ’25₹711.80
₹781.56
+9.8%
11.0%₹990.00₹620.00n/a25
Jan ’25₹766.15
₹871.13
+13.7%
13.7%₹1,100.00₹630.00₹677.6523
Dec ’24₹740.35
₹872.96
+17.9%
13.7%₹1,100.00₹620.00₹700.6524
Nov ’24₹744.95
₹876.13
+17.6%
13.4%₹1,100.00₹620.00₹694.0523
Oct ’24₹790.85
₹922.91
+16.7%
14.1%₹1,115.00₹650.00₹770.4023
Sep ’24₹840.25
₹924.65
+10.0%
14.4%₹1,155.00₹650.00₹723.4023
Aug ’24₹881.30
₹930.55
+5.6%
13.5%₹1,155.00₹670.00₹720.2022
Jul ’24₹846.90
₹939.45
+10.9%
14.0%₹1,155.00₹652.00₹723.2522
Jun ’24₹910.55
₹935.63
+2.8%
10.9%₹1,155.00₹652.00₹692.0024
May ’24₹771.85
₹929.32
+20.4%
10.1%₹1,155.00₹652.00₹728.1025
Apr ’24₹739.55
₹931.00
+25.9%
11.1%₹1,117.00₹684.00₹688.6526
Mar ’24₹751.75
₹935.72
+24.5%
11.5%₹1,117.00₹684.00₹717.7525
Feb ’24₹739.85
₹935.72
+26.5%
11.5%₹1,117.00₹684.00₹711.8025
Jan ’24₹794.95
₹1,025.44
+29.0%
13.5%₹1,265.00₹686.00₹766.1525

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 05:40
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

SBI Cards and Payment Services Limited is covered by 39 analysts. 22 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Nitin BhasinAmbit Capital
Kaitav ShahAnand Rathi Shares and Stock Brokers Limited
null nullAsian Markets Securities Private Limited