NSE: SBICARD | BSE: 543066

Momentum Trap

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864.75 -5.45 (-0.63%)

30.42% Gain from 52W Low

177.1K NSE+BSE Volume

NSE 07 Nov, 2025 10:01 AM (IST)

82,285.1

Market Cap

High in industry

0.9

Beta 1Year

Low volatility

SBI Cards and Payment Services Ltd. share price target and research reports

Latest analyst research reports with target prices and PDF download for SBICARD, BSE:543066 SBI Cards and Payment Services Ltd.

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SBI Cards and Payment Services Ltd.

26 Oct 2025

864.75

-0.63%

Credit cost improvement trajectory is a positive; earnings traction may need continuous improvement in execution

Sell: SBI Cards and Payment Serv...

Recommendation Target

ICICI Securities Limited

SBI Cards (SBIC) has been focusing on credit cost improvement and the results are becoming visible now. However, this has also led to a calibrated credit growth and directionally lower revolver mix, impacting earnings.

SBI Cards and Payment Services Ltd. is trading below all available SMAs

SBI Cards and Payment Services Ltd.

07 Oct 2025, 12:00AM

864.75

-0.63%

Spends growth recovering; Asset quality to improve gradually

Neutral: SBI Cards and Payment Serv...

Target

Motilal Oswal

SBI Cards (SBICARD) is the second-largest player in the card segment in terms of cards-in-force (CIF), with a 19.1% market share in CIF and 16.6% share in total industry spends.

SBI Cards and Payment Services Ltd.'s price crossed below 50Day SMA today

SBI Cards and Payment Services Ltd.

28 Jul 2025

864.75

-0.63%

Multiple initiatives to help business improvement; awaiting better growth and credit cost

Hold: SBI Cards and Payment Serv...

ICICI Securities Limited

SBI Cards (SBIC)’s Q1FY26 results remained modest with 60bps higher credit cost QoQ and lower receivables growth guidance of ~10–12% vs. 12–14% earlier.

SBI Cards and Payment Services Ltd.'s price crossed below 50Day SMA today

SBI Cards and Payment Services Ltd.

13 May 2025

864.75

-0.63%

SBI CARDS AND PAYMENT SERVICES LIMITED

Sell: SBI Cards and Payment Serv...

Target

Geojit BNP Paribas

expects the cost of funds to decrease gradually in FY26 gaining from the RBI rate *over or under performance to benchmark index action, thereby expecting a steady NIM in the upcoming quarters. Rising credit cost, worsening GNPA and NNPA ratios reflected the weak asset quality of SBI Cards & Payment Services during the quarter. Increasing non-interest expenses and the loan losses provision, the factors reducing the company's profitability, remain a primary concern. Further, the macroeconomic environment continued to witness headwinds leading to stress in unsecured lending. Hence, we retain our...

SBI Cards and Payment Services Ltd. is trading below all available SMAs

SBI Cards and Payment Services Ltd.

27 Apr 2025

864.75

-0.63%

Directional business uptick more apparent; more improvement in growth/NIM/credit cost awaited

Hold: SBI Cards and Payment Serv...

Recommendation Target

ICICI Securities Limited

SBI Cards (SBIC) reported a disappointing FY25 with a 20% decline in PAT driven by higher credit cost (9%) and low NIMs (10.8%). While management commentary and execution have ratified possible peaking of both credit cost and cost of funds (CoF), the recovery trajectory remains to be monitored.

SBI Cards and Payment Services Ltd. is trading below all available SMAs

SBI Cards and Payment Services Ltd.

24 Apr 2025

864.75

-0.63%

NII in line; high provisions drive earnings miss

Neutral: SBI Cards and Payment Serv...

Target

Motilal Oswal

SBI Cards (SBICARD) reported a 5% miss on PAT, which stood at INR5.3b in 4QFY25. The share of the revolver mix was flat at 24% and management expects the revolver mix to have a downward bias toward 23%. NIMs improved to 11.2%.

SBI Cards and Payment Services Ltd.'s price crossed below 50Day SMA today

VOTE: Is SBI Cards and Payment Services Ltd. worth buying?

373 Votes:

Buy 77.75%

Sell 13.67%

Hold 8.58%

RESEARCH REPORTS

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Neutral SEE REPORTS >

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