SBI Cards Intrinsic Value
SBICARD • Financial Services
Current Stock Price
₹638.20
Primary Intrinsic Value
₹264.00
Market Cap
₹606.9K Cr
-58.6%
Downside
Median Value
₹264.00
Value Range
₹128 - ₹319
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%
SBICARD Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹264.00 | ₹211.20 - ₹316.80 | -58.6% | EPS: ₹22.00, Sector P/E: 12x |
| Book Value Method | asset | ₹127.64 | ₹114.88 - ₹140.40 | -80.0% | Book Value/Share: ₹144.92, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹214.06 | ₹192.65 - ₹235.47 | -66.5% | Revenue/Share: ₹214.06, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹319.19 | ₹287.27 - ₹351.11 | -50.0% | EBITDA: ₹6071.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹191.46 | ₹172.31 - ₹210.61 | -70.0% | EPS Growth: 6.4%, Fair P/E: 5.1x |
| Growth Adjusted P/E | growth | ₹191.46 | ₹172.31 - ₹210.61 | -70.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹319.10 | ₹287.19 - ₹351.01 | -50.0% | ROE: 15.2%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹267.84 | ₹241.06 - ₹294.62 | -58.0% | EPS: ₹22.00, BVPS: ₹144.92 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
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 ₹264.00 (median value). With the current market price of ₹638.20, this represents a -58.6% variance from our estimated fair value.
The valuation range spans from ₹127.64 to ₹319.19, indicating ₹127.64 - ₹319.19.
Is SBICARD undervalued or overvalued?
Based on our multi-method analysis, SBI Cards (SBICARD) appears to be trading above calculated value by approximately 58.6%.
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 |
| Return on Equity | 15.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 27.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.31x | 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 |