SBI Cards Intrinsic Value
SBICARD Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹261.64 | ₹209.31 - ₹313.97 | -70.0% | EPS: ₹20.20, Sector P/E: 12x |
| Book Value Method | asset | ₹174.43 | ₹156.99 - ₹191.87 | -80.0% | Book Value/Share: ₹144.92, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹261.64 | ₹235.48 - ₹287.80 | -70.0% | Revenue/Share: ₹207.89, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹348.86 | ₹313.97 - ₹383.75 | -60.0% | EBITDA: ₹5898.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹261.64 | ₹235.48 - ₹287.80 | -70.0% | EPS Growth: 4.2%, Fair P/E: 3.3x |
| Growth Adjusted P/E | growth | ₹261.64 | ₹235.48 - ₹287.80 | -70.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹436.07 | ₹392.46 - ₹479.68 | -50.0% | ROE: 13.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹261.64 | ₹235.48 - ₹287.80 | -70.0% | EPS: ₹20.20, BVPS: ₹144.92 |
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Valuation Comparison Chart
SBICARD Intrinsic Value Analysis
What is the intrinsic value of SBICARD?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of SBI Cards (SBICARD) is ₹261.64 (median value). With the current market price of ₹872.15, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹174.43 to ₹436.07, indicating ₹174.43 - ₹436.07.
Is SBICARD undervalued or overvalued?
Based on our multi-method analysis, SBI Cards (SBICARD) appears to be trading above calculated value by approximately 70.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.31 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 4.76 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 13.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 28.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.30x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for SBI Cards
Additional stock information and data for SBICARD
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-2,141 Cr | ₹-3,387 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-5,653 Cr | ₹-6,281 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-6,671 Cr | ₹-7,132 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-4,392 Cr | ₹-4,661 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹692 Cr | ₹194 Cr | Positive Free Cash Flow | 7/10 |