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Daily Decision Engine
SBICARDSPAYMENTSERVI
SBI Cards And Payment Services Ltd. · Financial · NBFC - Diversified · Mid Cap
STRONG BUY with net score +14 (+14 buy, −0 sell). Strongest positive: VR Stock Rating Strong (weight 4). 7 BUY rules fire total. P/E is 25% below its 5Y median — historically cheap. P/B is 42% below its 5Y median — verify median isn't skewed by past spikes.
Engine Verdict
Strong Buy
Score
+14
Buy
+14
Sell
−0
Veto
—
Price Context
Current Price
₹624.85
1M
+0.75%
1Y
-36.38%
3Y
-10.00%
5Y
-8.45%
52W Low ₹565.45Now ₹624.8552W High ₹1,015.00
Price History (Yahoo) with Your Decisions
No price data returned for this ticker.
Returns Profile
VR Score Radar (out of 10)
Verdict Breakdown · 7 triggered / 21 active
VR Stock Rating StrongBUYw4
VR Stock Rating (1-5) ≥ 4 → 4.00
P/E Below Its 5Y MedianBUYw2
P/E vs Median % < 0 → -24.52
P/B Below Its 5Y MedianBUYw2
P/B vs Median % < 0 → -41.69
VR Valuation Score StrongBUYw2
VR Valuation Score (1-10) ≥ 6 → 6.00
Cheap on Cash FlowBUYw2
Price / CFO < 15 → -27.95
Healthy Pullback EntryBUYw1
% off 52W High ≥ 15 → 38.44
Bottom-fishing SetupBUYw1
% above 52W Low ≤ 20 → 10.50VR Quality Score (1-10) ≥ 8 → 10.00
Cheap on EV/EBITDABUYw2
EV / EBITDA < 12 → 15.57
Failed: EV / EBITDA = 15.57 is not < 12.
Strong FCF YieldBUYw2
FCF Yield % > 5 → -16.33
Failed: FCF Yield % = -16.33 is not > 5.
Growth at Reasonable PriceBUYw2
PEG < 1 → 1.74PEG > 0 → 1.74
Failed: PEG = 1.74 is not < 1.
Quality CompounderBUYw2
5Y Return % > 50 → -8.45VR Quality Score (1-10) ≥ 8 → 10.00
Failed: 5Y Return % = -8.45 is not > 50.
VR Proprietary Scores
VR Stock Rating
4 / 5 ⭐
Quality
10/10
Growth
8/10
Valuation
6/10
Momentum
1/10
Fundamentals
P/E
27.74
vs 5Y median 36.75 · -24.5%
P/B
3.82
vs 5Y median 6.55 · -41.7%
EV/EBITDA
15.57
Price / CFO
-27.95
Price / Sales
3.14
PEG
1.74
From VR
Earning Yield %
5.98
From VR
Dividend Yield %
0.40
FCF / Share
-102.04
→ FCF Yield -16.33%
EPS
22.77
Market Cap
59823.25 Cr
Enterprise Value
98026.21 Cr
Engine Zone Timeline · 2 runs
06-25+14
06-26+14
STRONG BUY
BUY
HOLD
SELL
STRONG SELL
AVOID
Your Decisions on SBICARDSPAYMENTSERVI · 0
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Position Lifecycle · SBICARDSPAYMENTSERVI
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Recent News · SBICARDSPAYMENTSERVI
No recent news found
Yahoo Finance returned no headlines for ticker SBICARDSPAYMENTSERVI.NS.
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Sector Peers
Comparing against 5 peers matched by sector: NBFC - Diversified
| Stock | Zone | Price | Mcap | P/E | P/B | ROE % | ROCE % | D/E | EPS g% | Div Y% | 1Y Ret % | Quality |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBICARDSPAYMENTSERVIYOU SBI Cards And Payment Services Ltd. | Strong Buy | 624.85 | ₹598B | 27.74 | 3.82 | — | — | — | — | 0.40 | -36.38 | 10/10 |
| KOTAKMAHINDRABANK Kotak Mahindra Bank Ltd. | Strong Buy | 409.00 | ₹4.10T | 21.25 | 2.26 | — | — | — | — | 0.16 | -8.03 | 10/10 |
| HDFCASSETMANAGEMENTC HDFC Asset Management Company Ltd. | Hold | 2,649.70 | ₹1.15T | 40.17 | 12.71 | — | — | — | — | 2.02 | 4.66 | 10/10 |
| ICICILOMBARDGENERALI ICICI Lombard General Insurance Company Ltd. | Hold | 1,813.60 | ₹914B | 36.20 | 5.46 | — | — | — | — | 0.74 | -8.72 | — |
| FEDERALBANK The Federal Bank Ltd. | Hold | 324.05 | ₹802B | 18.46 | 2.08 | — | — | — | — | 0.37 | 54.88 | 8/10 |
| COMPUTERAGEMANAGEMEN Computer Age Management Services Ltd. | Buy | 798.30 | ₹200B | 41.92 | 15.63 | — | — | — | — | 1.56 | -5.57 | 10/10 |
Green = peer is better than you on that metric (lower for valuation, higher for quality/growth). Click any peer to deep-dive.
AI Deep Dive (Claude)
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