SBI Cards Intrinsic Value
SBI Cards (SBICARD) median intrinsic value is ₹219.35 from 9 valuation models (range ₹132–₹326), vs current price ₹651.15 — -66.3% downside (Trading Above Calculated Value), margin of safety -100.0%. Check SBICARD market value to track the company's total market size over time.
SBICARD Valuation Methods Summary — DCF, Graham Number & P/E
SBI Cards intrinsic value across 9 models vs current price ₹651.15 — upside/downside and value range per method. See SBICARD book value comparison to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹286.80 | ₹229.44 - ₹344.16 | -56.0% | EPS: ₹23.90, Sector P/E: 12x |
| Book Value Method | asset | ₹132.15 | ₹118.94 - ₹145.37 | -79.7% | Book Value/Share: ₹165.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹219.35 | ₹197.41 - ₹241.29 | -66.3% | Revenue/Share: ₹219.35, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹325.26 | ₹292.73 - ₹357.79 | -50.0% | EBITDA: ₹6193.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹195.34 | ₹175.81 - ₹214.87 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹200.72 | ₹180.65 - ₹220.79 | -69.2% | Revenue Growth: 10.0%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹325.57 | ₹293.01 - ₹358.13 | -50.0% | ROE: 14.5%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹298.04 | ₹268.24 - ₹327.84 | -54.2% | EPS: ₹23.90, BVPS: ₹165.19 |
| Dividend Yield Method | dividend | ₹195.34 | ₹175.81 - ₹214.87 | -70.0% | DPS: ₹2.50, Target Yield: 4.0% |
SBICARD Intrinsic Value vs Market Price — All Valuation Models
SBI Cards fair value range ₹132–₹326 vs current market price ₹651.15 across 9 valuation models. For current market price and key ratios, visit SBICARD share price.
SBICARD Intrinsic Value Analysis — Undervalued or Overvalued?
SBI Cards median intrinsic value ₹219.35, current price ₹651.15 — Trading Above Calculated Value by 66.3%, margin of safety -100.0%.
What is the intrinsic value of SBICARD?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of SBI Cards (SBICARD) is ₹219.35 (median value). With the current market price of ₹651.15, this represents a -66.3% variance from our estimated fair value.
The valuation range spans from ₹132.15 to ₹325.57, indicating ₹132.15 - ₹325.57.
Is SBICARD undervalued or overvalued?
Based on our multi-method analysis, SBI Cards (SBICARD) appears to be trading above calculated value by approximately 66.3%.
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 | 0.36 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 14.5% | 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 | 0.31x | 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 2026 | ₹493 Cr | ₹493 Cr | Positive Free Cash Flow | 8/10 |
| 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 |