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SBI Cards and Payment Services Ltd
NSE:SBICARD

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SBI Cards and Payment Services Ltd
NSE:SBICARD
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Price: 695.25 INR -2.84% Market Closed
Market Cap: ₹661.6B

Relative Value

The Relative Value of one SBICARD stock under the Base Case scenario is 1 316.93 INR. Compared to the current market price of 695.25 INR, SBI Cards and Payment Services Ltd is Undervalued by 47%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

SBICARD Relative Value
Base Case
1 316.93 INR
Undervaluation 47%
Relative Value
Price
S
Worst Case
Base Case
Best Case

Multiples Across Competitors

SBICARD Competitors Multiples
SBI Cards and Payment Services Ltd Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
IN
SBI Cards and Payment Services Ltd
NSE:SBICARD
661.6B INR 3.4 31.7 20.9 21.3
US
American Express Co
NYSE:AXP
202B USD 2.6 18.9 23.5 26.5
US
Capital One Financial Corp
NYSE:COF
112.6B USD 2.1 51.8 0 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
5.2T INR 6.5 28.5 23.8 24.5
US
Discover Financial Services
NYSE:DFS
50.3B USD 2.3 9.1 0 0
US
Synchrony Financial
NYSE:SYF
22.6B USD 1.2 6.5 0 0
US
SoFi Technologies Inc
NASDAQ:SOFI
21.8B USD 6 45.4 0 0
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.8T INR 3.8 19.5 22.5 23.4
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
1.3T INR 4.8 15.2 20.7 20.9
KZ
Kaspi.kz AO
NASDAQ:KSPI
13.9B USD 0 0 0 0
IN
Tata Capital Ltd
NSE:TATACAP
1.3T INR 3.8 29.8 12 12.3
EV/EBITDA Multiple
EBITDA Growth EV/EBITDA to Growth
IN
S
SBI Cards and Payment Services Ltd
NSE:SBICARD
Average EV/EBITDA: 20.6
20.9
-12%
N/A
US
American Express Co
NYSE:AXP
23.5
N/A N/A
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
23.8
13%
1.8
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
22.5
7%
3.2
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
20.7
21%
1
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
IN
Tata Capital Ltd
NSE:TATACAP
12
N/A N/A
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
IN
S
SBI Cards and Payment Services Ltd
NSE:SBICARD
Average EV/EBIT: 21.5
21.3
17%
1.3
US
American Express Co
NYSE:AXP
26.5
12%
2.2
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
24.5
20%
1.2
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
23.4
17%
1.4
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
20.9
28%
0.7
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
IN
Tata Capital Ltd
NSE:TATACAP
12.3
-15%
N/A
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett