SBICARD.NS · Intrinsic value
Is SBI Cards and Payment Services Limited (SBICARD.NS) overvalued or undervalued?
SBI Cards and Payment Services Limited (SBICARD.NS) trades at the delayed market price of ₹567.40 a share. That price already implies revenue growth of 9.9% a year for 5 years. TickerWorth's fair value is ₹588.65 a share (priced within our range of ₹300.56 – ₹749.00). We do not call it over- or undervalued from inside our range.
Model by Miraaj Patel · generated from market data · Updated Oct 19, 2026 · How these pages are made
Is SBICARD.NS fairly valued?
- Fair value
- ₹588.65
- Market price
- ₹567.40
- Upside to fair value
- +3.7%
- Verdict
- Priced within our range of ₹300.56 – ₹749.00
Reverse DCF: Today's price implies revenue growth of 9.9% a year for 5 years; our model assumes 13.5% a year on average over the same horizon.
What is SBICARD.NS's TickerWorth Score?
Scores lower than almost every company we compare it with
Compared with Financial Services companies in India
Its strongest point: growing quickly. Its weakest: profitability is weak.
- Value · 45 of 100
Cheaper than 45% of Financial Services companies in India
- Price vs worth · 53 of 100
- Quality · 23 of 100
More profitable than 23% of Financial Services companies in India
- Financial health · 33 of 100
Financially stronger than 33% of Financial Services companies in India
- Growth · 64 of 100
Growing faster than 64% of Financial Services companies in India
- Momentum · 1 of 100
Outperformed almost none of the Financial Services companies in India over the past year
Confidence: High confidence · Scored
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SBICARD.NS DCF valuation, input by input
TickerWorth's fair value for SBI Cards and Payment Services Limited (SBICARD.NS) is ₹588.65 a share, against the delayed market price of ₹567.40 (priced within our range of ₹300.56 – ₹749.00). We do not call it over- or undervalued from inside our range. It is a model estimate, and every input behind it is sourced below. This is an educational model, not a price target or a recommendation.
Read the full reasoning
One of the lenses behind that blended figure is a discounted-cash-flow model, which on its own values SBICARD.NS at about ₹749.00 per share. The rest of this page walks through that DCF — its assumptions, reverse-DCF and discount-rate sensitivity — because it is the auditable anchor of the blend.
The valuation discounts SBI Cards and Payment Services Limited's projected free cash flows at a weighted-average cost of capital (WACC) of 6.4%, with a long-run terminal growth rate of 2.5%. About 85% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.
Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly 9.9% annual revenue growth for SBICARD.NS. Our base case instead compounds to about 13.5% a year over the same forecast, so the market is pricing in slower growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.
Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, SBICARD.NS's modeled DCF value ranges from about ₹302.09 to ₹2,785 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.
How to read this page: the DCF fair value is what SBI Cards and Payment Services Limited would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of SBICARD.NS's intrinsic value. Figures update as new filings and prices come in.
Every input behind SBICARD.NS's DCF
| Input | Value |
|---|---|
| Base-year revenueLive feed — totalRevenue (TTM) | ₹125,014,500,000 |
| Base EBIT marginComputed — trailing operatingMargins, held roughly flat | 26.7% |
| Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast | 23% → 19% → 14% → 9% → 4% |
| Risk-free rateLive feed — US 10-year Treasury yield (^TNX) | 5.1% |
| BetaLive feed — yfinance, 5-year monthly beta vs the S&P 500 (clamped to 0.4–2.5) | 0.40 |
| Terminal growthESTIMATEAssumption — TickerWorth house default 2.5%, held below WACC | 2.5% |
| Diluted sharesLive feed — sharesOutstanding | 952M |
| Market priceLast known price · as of 2026-10-19 19:27 UTC | ₹567.40 |
Change SBICARD.NS's assumptions
The discount-rate dial and the editable model
ProChange growth, margin and WACC yourself — Pro (7-day free trial, card required).
What does SBI Cards and Payment Services Limited do?
What does it do?
SBI Cards and Payment Services Limited, a non-banking financial company, provides credit cards to individual and corporate customers in India. The company offers corporate, central travel, utility, and corporate purchase and virtual cards. It operates in the Credit Services industry (Financial Services sector), headquartered in India. The company employs roughly 4,218 people.
How does it make money?
The business turns 125.0B in annual revenue into profit. Out of every $100 of sales, about $27 is left as operating profit (operating margin of 26.7%), after a 25% gross margin on the products/services it sells. After all costs, taxes and interest, 18.2% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks stretched: carries heavy debt (2.8× equity), and is currently profitable.
SBICARD.NS insider trading
Insider filings are available for US-listed companies only.
Common questions
What is SBICARD.NS's intrinsic value?
TickerWorth's blended fair value for SBI Cards and Payment Services Limited (SBICARD.NS) is ₹588.65 per share, versus a market price of ₹567.40 (priced within our range of ₹300.56 – ₹749.00).
Is SBICARD.NS overvalued or undervalued?
Priced within our range of ₹300.56 – ₹749.00 at ₹567.40. We don't call SBICARD.NS overvalued or undervalued from a range. This is an educational estimate, not advice.
What discount rate is used for SBICARD.NS?
A WACC of 6.4% and a terminal growth rate of 2.5%.
Is SBI Cards and Payment Services stock undervalued?
TickerWorth's fair value for SBI Cards and Payment Services Limited (SBICARD.NS) is ₹588.65 against a market price of ₹567.40. Our read: Priced within our range of ₹300.56 – ₹749.00. This is a model estimate, not investment advice.
SBI Cards and Payment Services (SBICARD.NS) DCF valuation and fair value
Our fair value for SBI Cards and Payment Services Limited (SBICARD.NS) is ₹588.65, built on a 6.4% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into SBI Cards and Payment Services stock?
Today's price implies revenue growth of 9.9% a year for 5 years; our model assumes 13.5% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of ₹567.40. A model estimate, not investment advice.
SBI Cards and Payment Services (SBICARD.NS) insider trading
We have no recent SEC Form 4 insider filings on file for SBI Cards and Payment Services Limited (SBICARD.NS). Form 4 covers US-listed companies only.
Not investment advice. TickerWorth Score is a model output.
Educational tool. Every output reflects the assumptions shown — not a prediction and not investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public filings and market data that can be wrong.