SBICARD
SBI Cards & Payment Services
Each stock's 10,000-path forecast, rendered as light.
SBI Cards & Payment Services (SBICARD) Stock Analysis & Case Study
Is SBICARD a good buy? The data-driven verdict.
on the numbers it tread carefully, a Downstox Snapshot Score of 44/100.
On the numbers, SBI Cards & Payment Services (SBICARD) tread carefully, a Downstox Snapshot Score of 44/100, weighing a 32% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027–2031.
Last updated . Data snapshot for research, not investment advice.
SBICARD share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 2.0y of SBICARD history (-9%/yr drift, 26%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| SBICARD 2027 | ₹398 | ₹546 | ₹759 | -11% |
| SBICARD 2028 | ₹308 | ₹485 | ₹774 | -21% |
| SBICARD 2029 | ₹246 | ₹432 | ₹756 | -30% |
| SBICARD 2030 | ₹203 | ₹384 | ₹729 | -38% |
| SBICARD 2031 | ₹165 | ₹339 | ₹702 | -45% |
Median (P50) is the central estimate; the P10–P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability SBICARD goes up, or doubles?
The bull case for SBICARD
- SBI Cards & Payment Services is part of the NSE universe with live, tracked fundamentals on Downstox.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹756.
The bear case & risks
- The probability model is cautious 12 months out, only a 32% chance of finishing above today's price.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹246.
SBICARD volatility & expected range, how bumpy is the ride?
Over the last 2.0 years SBICARD compounded at -9%/year with annualized volatility of 26%. That volatility implies a 1-year 80% range of ₹398–₹759, the honest backbone behind any single price target.
SBICARD price forecast, the full 60-month probability fan
SBICARD price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds SBICARD hits common targets within the simulated horizon?
Full multi-horizon detail on the SBICARD price target & forecast page.
SBICARD MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy SBICARD with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 27.9% | 3.6× |
| Zerodha | 23.8% | 4.2× |
| DhanCHEAPEST | 22.0% | 4.5× |
Compare every broker on the SBICARD MTF page.
SBICARD vs peers,NBFC comparison
| Stock | P/E | Div yield | Market cap |
|---|---|---|---|
| SBICARD (this stock) | — | — | — |
| BAJFINANCE | 31.4× | 0.56% | ₹6.03L Cr |
| BAJAJFINSV | 28.8× | 0.08% | ₹2.86L Cr |
| RECLTD | 6.0× | 4.87% | ₹97,417 Cr |
| PFC | 5.6× | 3.58% | ₹1.45L Cr |
| SHRIRAMFIN | 23.3× | 1.09% | ₹2.33L Cr |
About SBI Cards & Payment Services: sector, index & market-cap context
SBI Cards & Payment Services (SBICARD) is an NSE-listed company in the NBFC sector.
How the SBICARD Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of SBI Cards & Payment Services's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
SBICARD analysis, FAQs
Is SBI Cards & Payment Services (SBICARD) a good buy?
On the numbers, SBI Cards & Payment Services (SBICARD) tread carefully, a Downstox Snapshot Score of 44/100, weighing a 32% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is SBICARD overvalued or undervalued?
Valuation ratios for SBICARD are tracked live on Downstox.
What is the SBICARD share price target for 2031?
SBICARD's probability-weighted 2031 median target is ₹339, with an 80% range of ₹165–₹702 (10,000-path Monte-Carlo).
What is the probability SBICARD doubles in 5 years?
The modelled probability of SBICARD reaching ₹1,234 (2×) within 5 years is 1%.
What is the bull case for SBICARD?
SBI Cards & Payment Services is part of the NSE universe with live, tracked fundamentals on Downstox.
What are the risks in SBICARD?
The probability model is cautious 12 months out, only a 32% chance of finishing above today's price.