SBICARD · SBI Cards and Payment Services Limited · 06/05/2026, 17:49:26

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SBI Cards and Payment Services Limited SBICARD

🏛 Financial Services ⚙ Credit Services 📍 NSI 💱 INR
₹649.65
As of analysis · 06/05/2026, 17:49:26
Elapsed: 24.73s
HOLD

Analyst Verdict · Horizon: medium term

Our Hold verdict on SBI Cards and Payment Services Limited is driven by the stable revenue trend and increasing EPS, with a fundamentals score of 6.2, indicating a slightly bullish outlook. However, the technical agent's slightly bearish signal, with a score of 3.85, and the recent Death Cross detection, which is a strong bearish signal, warrant caution. The news agent's slightly bullish signal, with a score of 6.2, is also notable, particularly given the 13% year-over-year increase in Q4 FY'26 PAT. Despite the Golden Cross detected 14 days ago, which is a bullish long-term signal, the high Debt-to-Equity ratio of 280.21 poses a significant leverage risk in a rising rate environment, and the recent Death Cross detection is a strong opposing signal that we cannot ignore.

Upcoming RBI monetary policy meeting, which may impact interest rates and the company's borrowing costsSBI Cards and Payment Services Limited's Q1 FY'27 earnings release, which will provide insight into the company's growth trajectorySEBI's potential regulatory updates on the credit card industry, which may impact the company's business operations
66%
Confidence
Fundamentals
6.2/10
Revenue · Valuation · Health
Technical
3.9/10
Trend · Momentum · Volume
News
6.2/10
Sentiment · Events · Quality
Consensus
5.5/10
Agent agreement score
🔗 Synthesis — Signal Alignment 5.5/10
Agent Signal Alignment
fundamentals
6.2 Slightly Bullish
news
6.2 Slightly Bullish
technical
3.9 Slightly Bearish
Agreeing: fundamentals, news  ·  Disagreeing: technical
📊 Fundamentals 6.2/10
Current Price
₹649.65
Market Cap
₹61,821 Cr
Revenue (TTM)
₹11,866 Cr
EPS (TTM)
₹22.79
P/E Ratio
28.51×
P/B Ratio
3.93×
Dividend Yield
39.0%
Free Cash Flow
N/A
Signal Scores
Revenue Growth 5.0/10
Profitability 7.5/10
Valuation 5.5/10
Financial Health 7.0/10
Industry Comparison · Credit Services
P/E
28.5
18.0
elevated
P/B
3.9
2.5
outperforming
Stock   Industry avg
📈 Technical Analysis 3.9/10
Price Action
Current Price 645.65
52W High 1,023.66
52W Low 615.50
From 52W High -36.9%
From 52W Low 4.9%
Avg Vol (30d) 14,02,370
Volume Spike No
Moving Averages
MA 20 666.67
MA 50 696.02
MA 200 810.24
Price vs MA50 below
Price vs MA200 below
MA50 vs MA200 below
Oscillators
RSI neutral
MACD Line -12.68
Signal Line -11.57
Histogram -1.11
MACD Crossover
Bollinger Bands
BB Upper 701.60
BB Middle 666.67
BB Lower 631.73
BB Bandwidth 10.48
Price Position middle
Squeeze No
Trend
Primary Trend downtrend
Trend Strength moderate
ADX 29.6
Duration (days) 127
Higher Highs No
Higher Lows Yes
Technical Flags
⚠️ Price trading below 200-day MA — long-term bearish structure. sell_signal
⚠️ Golden Cross detected 14 days ago — MA50 crossed above MA200 (bullish long-term signal). buy_signal
🔴 Death Cross detected 1 days ago — MA50 crossed below MA200 (bearish long-term signal). sell_signal
Cross Signals
Golden Cross detected 14 days ago — MA50 crossed above MA200 (bullish long-term signal). 2026-04-22
💀 Death Cross detected 1 days ago — MA50 crossed below MA200 (bearish long-term signal). 2026-05-05
Support & Resistance
PriceTypeStrengthTouchesDistance
615.50 support weak 1 -4.7%
700.40 resistance weak 1 8.5%
722.62 support weak 1 11.9%
📰 News & Sentiment 6.2/10
Sentiment Overview
6
Positive33.3%
Negative0.0%
Neutral66.7%
Signal Sub-Scores
News Sentiment 6.7/10
Event Severity 7.5/10
Source Quality 5.0/10
Recency 4.2/10
High-Impact Events
⬆️ Q4 FY'26 PAT up by 13% YoY at Rs 2,167 Cr bullish
⬆️ Q4FY26 spends grew by 31% y/y bullish
⬆️ Target Price: INR 1,006 bullish
⬇️ Target Price: INR 936 neutral
Articles Analyzed (9 of 30)
SBI Cards Q4 FY'26 results
nseindia Positive relevance 92.9%
SBI Cards Q4FY26 spends growth
moneycontrol Positive relevance 83.1%
SBI Cards stock quote
yahoo Neutral relevance 100.0%
SBI Cards broker report
business-standard Neutral relevance 87.8%
🔍 Critic Report
Critic Verdict
Synthesis Verdict
Hold
Critic Adjusted
Hold
Confidence Δ
-10%
Stance
cautious
⚠ Critical Miss
Debt-to-Equity of 280.21 creates vulnerability in a rising interest rate environment. RBI rate hikes...
Bear Case
The high Debt-to-Equity ratio of 280.21 poses a significant risk in a rising interest rate environment, particularly with the RBI's recent rate hikes, which could increase debt servicing costs and compress margins, thus countering the bull case of increasing EPS
Invalidates: 1. [fundamentals] EPS growing increasing — earnings power strengthening
Prob: likely high fundamentals
The Death Cross detection, a strong bearish signal, could lead to persistent selling pressure from institutional algorithms, which would counter the Golden Cross detected 14 days ago, a bullish long-term signal, and potentially lead to a sharp decline in the stock price
Invalidates: 3. [technical] Golden Cross detected 14 days ago — MA50 crossed above MA200 (bullish long-term signal)
Prob: likely high technical
The elevated P/E of 28.51x compared to the industry average, combined with the risk of a sharp de-rating in case of an earnings miss or guidance cut, poses a significant downside risk, which counters the bull case of increasing PAT, and could be exacerbated by the recent Budget's focus on fiscal consolidation and potential reduction in consumer spending
Invalidates: 2. [news] [Financial Result] Q4 FY'26 PAT up by 13% YoY at Rs 2,167 Cr
Prob: possible medium fundamentals
Risks to Monitor
Death Cross detected 1 days ago — MA50 crossed below MA200 (bearish long-term signal).
Trigger: Price breaking key support level or volume confirmation of breakdown. · Horizon: immediate
critical technical
Q4 FY'26 PAT up by 13% YoY at Rs 2,167 Cr
Trigger: Follow-up announcement or regulatory response related to financial result. · Horizon: immediate
high financial
ROE of 14.69% is below industry average of 16.0% — weak capital efficiency.
Trigger: Next quarterly earnings release or balance sheet update. · Horizon: medium_term
medium financial
Price trading below 200-day MA — long-term bearish structure.
Trigger: Price breaking key support level or volume confirmation of breakdown. · Horizon: near_term
medium technical
RBI monetary policy change — unexpected rate hike or hawkish guidance could compress equity valuations, especially for leveraged companies.
Trigger: RBI MPC meeting decision or inflation data surprise. · Horizon: near_term
medium macro
FII outflow risk — global risk-off events (Fed policy, geopolitical tensions) trigger FII selling in Indian markets, causing broad-based corrections.
Trigger: US Fed hawkish surprise or emerging market risk-off episode. · Horizon: near_term
medium macro
Data Gaps
🔍
FUNDAMENTALS_MISSING_METRICS · Impact: medium
Key metrics unavailable: free_cash_flow.
Try alternate data source (Financial Modeling Prep / Screener.in) for missing metrics.
🔍
QUARTERLY_TREND_THIN · Impact: medium
Less than 4 quarters of data for: debt_to_equity.
Trend analysis unreliable — consider extending lookback or using annual data.
🔍
NEWS_HIGH_REJECTION_RATE · Impact: medium
21/30 articles rejected — Tavily query may be returning irrelevant results.
Refine Tavily query with company full name + 'NSE' + 'India'.