SBI CARDS & PAY SER LTD Financial Ratios
SBICARD · Financial Services · Current price ₹633.65
P/E ratio
27.8x
P/B ratio
3.9x
ROE
13.8%
ROCE
18.3%
Debt / Equity
2.80
Dividend yield
0.4%
Ratio reference
| Ratio | Value | What it means |
|---|---|---|
| P/E | 27.8x | Price paid per ₹1 of annual earnings — lower is cheaper (context-dependent). |
| P/B | 3.9x | Price relative to book value — <1 can signal deep value or trouble. |
| ROE | 13.8% | Return on equity — how much profit the company earns on shareholder capital. |
| ROCE | 18.3% | Return on capital employed — efficiency including debt. >15% is strong. |
| D/E | 2.80 | Leverage — higher means more debt-funded, riskier in downturns. |
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SBI CARDS & PAY SER LTD profitability
SBI CARDS & PAY SER LTD generates a return on equity of 13.8% and a return on capital employed of 18.3%. An ROE consistently above 15% usually points to a quality business with a durable advantage; below 10% suggests weak profitability or a capital-heavy model.
Leverage & valuation
With a debt-to-equity of 2.80 and a P/E of 27.8x, SBI CARDS & PAY SER LTD is carrying meaningful debt. Our overall business-quality score for the company is 4.2 / 10.
Understand the ratios
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DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.