SBI CARDS & PAY SER LTD Intrinsic Value
SBICARD · Financial Services · Current price ₹633.65
Is SBI CARDS & PAY SER LTD undervalued?
DocStoX estimates the fair value of SBI CARDS & PAY SER LTD at ₹384 per share, versus the current market price of ₹634. That puts the stock about -39.4% above our fair-value estimate, which we read as "Avoid". Our confidence in this estimate is low.
How this fair value is calculated
This estimate blends 3 independent methods: Excess-return (book value) (₹183), Relative P/E (₹663), Analyst target (₹714). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹183 (bear) to ₹384 (base) to ₹714 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
Margin of safety
Value investors demand a margin of safety — a discount to intrinsic value that protects against being wrong. At ₹634 versus an intrinsic value of ₹384, SBI CARDS & PAY SER LTD currently offers -39.4% of negative margin (i.e. a premium).
More on SBI CARDS & PAY SER LTD
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.