SBI Cards and Payment Services (NSE:SBICARD) EV-to-FCF: (As of Jul. 19, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:SBICARD SBI Cards and Payment Services Ltd NSE:SBICARD
65 GF Score
Price ₹654.70
GF Value ₹1,023.72
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is SBI Cards and Payment Services EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SBI Cards and Payment Services's Enterprise Value is ₹1,040,842 Mil. SBI Cards and Payment Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, SBI Cards and Payment Services's EV-to-FCF for today is .

The historical rank and industry rank for SBI Cards and Payment Services's EV-to-FCF or its related term are showing as below:

NSE:SBICARD' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 226.57
Current: 226.57

During the past 10 years, the highest EV-to-FCF of SBI Cards and Payment Services was 226.57. The lowest was 0.00. And the median was 0.00.

NSE:SBICARD's EV-to-FCF is ranked worse than
92.48% of 266 companies
in the Credit Services industry
Industry Median: 13.625 vs NSE:SBICARD: 226.57

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-19), SBI Cards and Payment Services's stock price is ₹654.70. SBI Cards and Payment Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹22.760. Therefore, SBI Cards and Payment Services's PE Ratio (TTM) for today is 28.77.


SBI Cards and Payment Services  (NSE:SBICARD) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

SBI Cards and Payment Services's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=654.70/22.760
=28.77

SBI Cards and Payment Services's share price for today is ₹654.70.
SBI Cards and Payment Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹22.760.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


SBI Cards and Payment Services EV-to-FCF Related Terms


SBI Cards and Payment Services EV-to-FCF Historical Data

* Premium members only.

The historical data trend for SBI Cards and Payment Services's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SBI Cards and Payment Services EV-to-FCF Chart

SBI Cards and Payment Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -22.90 -14.86 -17.93 -57.62 222.47

SBI Cards and Payment Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -57.62 0.00 0.00 0.00 222.47

NSE:SBICARD vs V, MA, AXP: EV-to-FCF Comparison

For the Credit Services subindustry, SBI Cards and Payment Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


SBI Cards and Payment Services EV-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where SBI Cards and Payment Services's EV-to-FCF falls into.


NSE:SBICARD
65GF Score
SBI Cards and Payment Services Ltd NSE:SBICARD
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SBI Cards and Payment Services EV-to-FCF Calculation

SBI Cards and Payment Services's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=1040842.164/0
=

SBI Cards and Payment Services's current Enterprise Value is ₹1,040,842 Mil.
SBI Cards and Payment Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is SBI Cards and Payment Services (NSE:SBICARD) Overvalued in 2026?

Based on GuruFocus' analysis, SBI Cards and Payment Services stock appears to be undervalued. The current stock price of ₹654.70 is trading 36% below its estimated GF Value™ of ₹1,023.72. GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.

Key valuation signals for NSE:SBICARD:

  • EV-to-FCF:
  • GF Value™: ₹1,023.72 vs. price of ₹654.70 (36% below fair value)
  • GF Score™: 65/100 with 2 warning signs

No single metric tells the full story. See the NSE:SBICARD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SBI Cards and Payment Services Business Description

Other Exchanges 543066:India
Address DLF Phase 2, 2nd Floor, Tower-B, Infinity Towers, DLF Cyber City, Block 2, Building 3, Gurugram, HR, IND, 122002
SBI Cards and Payment Services Ltd is a credit card issuer in India. The company offers a credit card portfolio to individual cardholders and corporate clients, including lifestyle, rewards, travel and fuel, shopping, banking partnership cards, and corporate cards covering all cardholder segments in terms of income profiles and lifestyles. It offers four primary SBI Card-branded credit cards SimplySave, SimplyClick, Prime, and Elite, each catering to a varying set of cardholder needs. The company earns revenue from selling credit card memberships to card holders, and income earned from the provision of membership services.
65GF Score

Get the complete analysis for NSE:SBICARD

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹654.70
Price
₹1,023.72
GF Value