SBI Cards P/B Ratio
SBI Cards (SBICARD) P/B ratio is 4.03 (High), book value per share ₹165.19 vs Financial Services average P/B of -3.59 — Very High - Significant premium, high growth expectations or speculative. Explore SBICARD fundamental worth to estimate fundamental worth using multiple valuation models.
Current Valuation Metrics
Book Value Breakdown (2026)
Valuation Signal
Sector Context
SBICARD P/B Ratio — Valuation Insights & Book Value Analysis
SBI Cards price-to-book ratio interpretation, valuation status and historical context — current P/B 4.03 (High). Read SBICARD dividend yield for the complete payout history and dividend yield track record.
- Stock appears overvalued with PB of 4.03, trading at significant premium to book value
- Trading at high premium to book value - indicates strong growth expectations or asset-light business model
- Current PB is 37.2% below historical average
- Trading at premium to sector average PB of -3.59
SBI Cards P/B Ratio Historical Trend
SBICARD annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. For live price, earnings yield and the full fundamental profile, see SBICARD share price screener.
SBICARD Historical P/B Ratio — Book Value Per Share & Year-End Price
SBI Cards annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2026 | 3.94 | ₹165.19 | ₹651.15 | ₹15,726 | High |
| 2025 | 5.95 | ₹144.92 | ₹861.70 | ₹13,782 | High |
| 2024 | 5.22 | ₹127.07 | ₹663.85 | ₹12,084 | High |
| 2023 | 7.31 | ₹103.91 | ₹759.65 | ₹9,830 | High |
| 2022 | 9.68 | ₹82.22 | ₹795.50 | ₹7,753 | High |
SBICARD vs Financial Services Peers — P/B Ratio Comparison
SBI Cards P/B 4.03 vs Financial Services average -3.59, median 0.0 — range -91.12–0.13.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Mena Mani Industries | MENAMANI | -91.12 | ₹72 | Low |
| Blue Chip | BLUECHIP | -28.88 | ₹18 | Low |
| Manraj Housing Finance | MANRAJH | -21.51 | ₹17 | Low |
| Trustwave Securities | TRUSTWAVE | -13.82 | ₹15 | Low |
| Roselabs Finance | ROSELABS | -4.6 | ₹22 | Low |
| CMX Holdings | CMXLTD | -3.78 | ₹25 | Low |
| Gujarat Lease Financing | GLFL | -3.58 | ₹14 | Low |
| GACM Technologies DVR | GATECHDVR | -3.42 | ₹9 | Low |
| Reliance Home Finance | RHFL | -2.36 | ₹131 | Low |
| Kiduja India | KIDUJA | -2.18 | ₹47 | Low |