SBICARD
Sbi Cards And Payment Services Limited
Each stock's 10,000-path forecast, rendered as light.
Sbi Cards And Payment Services Limited (SBICARD) Stock Analysis & Case Study
Is SBICARD a good buy? The data-driven verdict.
Sbi Cards And Payment Services Limited (SBICARD) trades at ₹660,on the numbers it mixed signals, a Downstox Snapshot Score of 47/100.
On the numbers, Sbi Cards And Payment Services Limited (SBICARD) mixed signals, a Downstox Snapshot Score of 47/100, weighing premium at 27.6× earnings, ROE of 14.7%, a 58% 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 fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How SBICARD ranks against the 2,373 companies in our screener
- SBICARD's market cap of 62,713 Cr ranks in the 93rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBICARD's book value of ₹165 ranks in the 67th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBICARD's promoter holding of 68.9% ranks in the 71st percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBICARD's 3-year profit (PAT) growth of -1.0% ranks in the 28th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBICARD's 3-year revenue growth of 13.0% ranks in the 58th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for SBICARD, as of 9 Aug 2026, so it is not ranked here.
Is SBICARD overvalued? SBICARD P/E vs its NBFC
SBICARD's P/E of 27.6× sits above the NBFC peer median of 23.2×, so on earnings it screens richer than peers, while its 0.38% dividend yield is below the peer median of 0.97%.
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 6.3y of SBICARD history (-1%/yr drift, 26%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| SBICARD 2027 | ₹500 | ₹698 | ₹975 | +6% |
| SBICARD 2028 | ₹457 | ₹740 | ₹1,199 | +12% |
| SBICARD 2029 | ₹438 | ₹784 | ₹1,405 | +19% |
| SBICARD 2030 | ₹424 | ₹831 | ₹1,628 | +26% |
| SBICARD 2031 | ₹417 | ₹880 | ₹1,857 | +34% |
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
- SBICARD's return on equity of 14.7% ranks in the 70th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹1,405.
The bear case & risks
- SBICARD's P/E of 27.6x is lower than 49% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹438.
SBICARD volatility & expected range, how bumpy is the ride?
Over the last 6.3 years SBICARD compounded at -1%/year with annualized volatility of 26%. That volatility implies a 1-year 80% range of ₹500-₹975, 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 Piotroski F-Score: 5/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. SBICARD scores 5/8, mixed financial health.
SBICARD MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy SBICARD with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 24.65% | 4.1× |
| Zerodha | 24.00% | 4.2× |
| Groww | 24.02% | 4.2× |
| Dhan | 22.00% | 4.5× |
| Kotak NeoCHEAPEST | 21.14% | 4.7× |
| Paytm Money | 21.18% | 4.7× |
| Pocketful | 28.19% | 3.5× |
| Anand Rathi | 28.12% | 3.6× |
| Bajaj Broking | 23.00% | 4.3× |
| Share India | 28.20% | 3.5× |
Compare every broker on the SBICARD MTF page.
SBICARD vs peers,NBFC comparison
| Stock | P/E | Div yield | Market cap |
|---|---|---|---|
| SBICARD (this stock) | 27.6× | 0.38% | ₹62,884 Cr |
| BAJFINANCE | 32.8× | 0.50% | ₹6.71L Cr |
| BAJAJFINSV | 31.3× | 0.07% | ₹3.22L Cr |
| RECLTD | 6.0× | 5.05% | ₹96,639 Cr |
| IRFC | 16.1× | 2.37% | ₹1.16L Cr |
| PFC | 5.3× | 4.42% | ₹1.39L Cr |
| SHRIRAMFIN | 23.2× | 0.97% | ₹2.62L Cr |
Fundamentals from Screener.in, as of 9 Aug 2026
About Sbi Cards And Payment Services Limited: sector, index & market-cap context
Sbi Cards And Payment Services Limited (SBICARD) is a mid-cap NSE-listed company in the NBFC sector, and a constituent of the Nifty 500 index, with a market capitalisation of ₹62,884 Cr. See more stocks on our screener.
How the SBICARD Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Sbi Cards And Payment Services Limited'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 And Payment Services Limited (SBICARD) a good buy?
On the numbers, Sbi Cards And Payment Services Limited (SBICARD) mixed signals, a Downstox Snapshot Score of 47/100, weighing premium at 27.6× earnings, ROE of 14.7%, a 58% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is SBICARD overvalued or undervalued?
SBICARD trades at 27.6× earnings versus a peer median of 23.2×, so it screens richer than its NBFC peers.
What is the SBICARD share price target for 2031?
SBICARD's probability-weighted 2031 median target is ₹880, with an 80% range of ₹417-₹1,857 (10,000-path Monte-Carlo).
What is the probability SBICARD doubles in 5 years?
The modelled probability of SBICARD reaching ₹1,318 (2×) within 5 years is 25%.
What is the bull case for SBICARD?
SBICARD's return on equity of 14.7% ranks in the 70th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in SBICARD?
SBICARD's P/E of 27.6x is lower than 49% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.