₹658.35
-0.26% today
· 30d -0.25%
as of 2026-09-04
Price · Daily Candles
“SBI Cards Navigates 52-Week Lows Amidst FII Retreat and Weak Technical Signals.”
SBI Cards and Payment Services reports a resilient Q4 with net profit up 14.06% YoY to ₹609 Cr, despite a -6.01% price decline over the last month. The stock trades at a TTM PE of 27.64, with annual revenue growth at 10.11% and net profit growth at 13.06%, yet it hovers near its 52-week low of ₹612.1.
BULL CASE
+Q4 net profit surged 14.06% YoY to ₹609 Cr, indicating strong quarterly performance.
+Annual net profit grew 13.06% to ₹2167 Cr, with annual revenue up 10.11% to ₹19900 Cr.
+DIIs increased their stake by 0.27% in the last quarter, signaling domestic conviction.
+Sales growth over 2, 4, and 7 years shows strong ranks (latest 0.833, 0.822, 0.785), suggesting consistent revenue expansion.
BEAR CASE
−Stock price has fallen -27.06% over the last 6 months and -29.91% over the last year, trading near its 52-week low.
−FII shareholding decreased by -0.61% QoQ to 9.54%, indicating foreign investor caution.
−Technical signals for MACD and RSI(14) are 'weak neutral', alongside a 'strong bearish' signal for being 'Near 52W Low'.
−Operating profit margin for Q4 declined by -1.18% YoY despite revenue growth.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-06-30
REVENUE
₹5041 Cr
+3.36% YoY
NET PROFIT
₹664 Cr
+19.51% YoY
OPM
32.05%
+0.35pp YoY
EPS
₹6.98
PE 27.64
Intrinsic value · DCF: N/A — ML model predicts severe Δ FCF compression (h1=-33.2%, h2=-30.6%, h3=-27.9% of mktcap), driving projected FCF negative by year 3 despite healthy current FCF. Treating as forecast outlier rather than reporting a misleading ₹0 valuation. Use the Strategy Fit and ML sections instead.
◇ Sector Position
Trading at a TTM PE of 27.64, SBICARD is priced above the likes of SHRIRAMFIN (22.35) and MUTHOOTFIN (25.08), but below BAJFINANCE (30.41), while its ROCE is not provided for direct peer comparison.
PEERPEROCE %
SBICARD27.64—
+ 2 more peers — sign in to view
ML Forward Growth Predictions 🔒
64
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
UNDERPERFORMER
20
Valuation
REASONABLE
60
Growth
STRONG
72
Profitability
HIGH
90
Technicals
STRONG
72
Risk
LOW
70
Key Stats
TTM PE
27.64
P/B
3.81
52W HIGH
₹965.0
OFF HIGH
-31.78%
DIV YIELD
0.4%
MKT CAP
₹62520 Cr
◉ Active Signals
MACDBullish0.4426
RSI(14)Neutral54.31
Street Consensus
24 analysts₹731.75
mean target
Low ₹500.0Now ₹658.35High ₹975.0
⧉ Strategy Fit 🔒