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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
SBI Cards and Payment Services Limited is an India-based company. The Company provides credit card services. The Company operates through a single segment, namely, Credit cards. It offers a wide range of credit cards to individual cardholders and corporate clients. Its…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, stagnant business, trading cheap versus its own history.
SBI Cards & Payment Services is scored on the nbfc / financials framework. It keeps a healthy 10.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 13%/yr and profit at -1%/yr. Book value itself has compounded 17%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 15.2%. In the latest quarter profit grew 17% versus the prior quarter.
At 26× earnings, the stock sits at the 3rd percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price implies ~10%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 21.28 | 11.61 | worse |
| P/B | 3.23 | 1.4 | worse |
| EV/EBITDA | 14.97 | 13.86 | worse |
| ROE | 15.19 | — | — |
| ROCE | 9.88 | — | — |
| ROA | 3.67 | — | — |
| Quick Ratio | 0.18 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 13% CAGR over 3 years — steady double-digit compounder.
Revenue is outpacing profit (13% vs -1%) — costs are rising faster than the top line.
Operating margin has compressed from 22% to 15% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 14% — a respectable return on shareholder capital. Capital efficiency declining — ROE down 9pp.
-2% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 0.2× PAT — reported profit isn't translating into cash, raising earnings quality questions.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (4% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 17% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (11% → 15%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 68.9% — heavily owner-operated with strong skin in the game. FIIs trimmed 3.0pp — foreign money is rotating out. MF holding up 2.7pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.