SBI Cards Intrinsic Value
SBI Cards (SBICARD) median intrinsic value is ₹273.24 from 8 valuation models (range ₹132–₹309), vs current price ₹618.75 — -55.8% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit SBICARD share price.
SBICARD Valuation Methods Summary — DCF, Graham Number & P/E
SBI Cards intrinsic value across 8 models vs current price ₹618.75 — upside/downside and value range per method. Read SBICARD dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹273.24 | ₹218.59 - ₹327.89 | -55.8% | EPS: ₹22.77, Sector P/E: 12x |
| Book Value Method | asset | ₹132.15 | ₹118.94 - ₹145.37 | -78.6% | Book Value/Share: ₹165.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹209.03 | ₹188.13 - ₹229.93 | -66.2% | Revenue/Share: ₹209.03, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹279.04 | ₹251.14 - ₹306.94 | -54.9% | EBITDA: ₹5313.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹185.62 | ₹167.06 - ₹204.18 | -70.0% | EPS Growth: 7.3%, Fair P/E: 5.9x |
| Growth Adjusted P/E | growth | ₹195.82 | ₹176.24 - ₹215.40 | -68.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹309.38 | ₹278.44 - ₹340.32 | -50.0% | ROE: 13.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹290.91 | ₹261.82 - ₹320.00 | -53.0% | EPS: ₹22.77, BVPS: ₹165.19 |
SBICARD Intrinsic Value vs Market Price — All Valuation Models
SBI Cards fair value range ₹132–₹309 vs current market price ₹618.75 across 8 valuation models. Analyse SBICARD promoter holding to track promoter, FII and institutional holdings.
SBICARD Intrinsic Value Analysis — Undervalued or Overvalued?
SBI Cards median intrinsic value ₹273.24, current price ₹618.75 — Trading Above Calculated Value by 55.8%, margin of safety -100.0%.
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 ₹273.24 (median value). With the current market price of ₹618.75, this represents a -55.8% variance from our estimated fair value.
The valuation range spans from ₹132.15 to ₹309.38, indicating ₹132.15 - ₹309.38.
Is SBICARD undervalued or overvalued?
Based on our multi-method analysis, SBI Cards (SBICARD) appears to be trading above calculated value by approximately 55.8%.
SBICARD Financial Health — Key Ratios vs Industry Benchmarks
SBI Cards financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 27.0% | 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 |
SBICARD Cash Flow Quality — Operating & Free Cash Flow
SBI Cards operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |