SBI Cards & PAY SER LTD

SBI Cards & Pay Ser Ltd (SBICARD) is a mid-cap Financial Services company valued at ₹53,692 crore operating in Non Banking Financial Company (NBFC) on the NSE and BSE.

Recent price move

SBI Cards & Pay Ser Ltd last traded at ₹564.2, modestly down 1.57% on the day.

Recent developments

On 2026-06-24, the company informed the Exchange about an alteration of capital and fund raising through XBRL, indicating a move to raise capital or restructure its financial position.

Financial performance

The company's business is improving, with annual revenue rising 10.1% and net profit growing 13.1% year-on-year. The latest quarter saw revenue increase 3.4% compared to the same quarter a year earlier, while net profit rose 19.5%, outpacing revenue growth. The net profit margin widened slightly to 10.9% from 10.6% in the prior year, and return on equity remained stable at 13.8%.

Valuation multiples

The stock trades at 24.8 times earnings, a premium to the Financial Services median of 19.3, 4.03 times book value. It yields 0.4%.

Things to watch

The company is highly leveraged, with debt to equity at 2.80. The profit growth over the past five years has slowed, with a 17.1% CAGR, but the three-year CAGR for profit is negative at -1.4%. The stock is 41.6% below its 52-week high, reflecting a significant drop from recent peak levels.

Where it stands

The company has shown consistent revenue growth and improved net profit margins, with the latest quarter reflecting strong profit growth. However, its high leverage and recent underperformance relative to its 52-week high highlight key risks. The most significant movement is the stock's distance below its 52-week high.

Summarised by DocStoX's model on 2026-10-10 from company filings, exchange data and news. This is a factual summary, not a rating or a recommendation. Informational only, not investment advice. Consult a SEBI-registered adviser before investing.