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SBI Cards and Payment Services has the GF Score of 65, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes SBI Cards and Payment Services
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
SBI Cards and Payment Services (NSE:SBICARD) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
SBI Cards and Payment Services GF Score Related Terms
NSE:SBICARD vs V, MA, AXP: GF Score Comparison
For the Credit Services subindustry, SBI Cards and Payment Services's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's GF Score distribution charts can be found below:
* The bar in red indicates where SBI Cards and Payment Services's GF Score falls into.
SBI Cards and Payment Services (NSE:SBICARD) has a GF Score of 65 as of Jul. 21, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on SBI Cards and Payment Services and its competitors. This is 27% above median its historical median of 51.00. Over the past decade, SBI Cards and Payment Services' GF Score has ranged from 4.00 to 77.00.
Is SBI Cards and Payment Services' GF Score too high?
SBI Cards and Payment Services' current GF Score of 65 is 27% above median its 10-year median of 51.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 77.00. Overall, SBI Cards and Payment Services has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Cards and Payment Services' GF Score compare to V and MA?
SBI Cards and Payment Services' GF Score of 65 can be compared against companies in the Credit Services industry. Historically, SBI Cards and Payment Services' own GF Score has ranged from 4.00 to 77.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on SBI Cards and Payment Services and its competitors. SBI Cards and Payment Services's current GF Score is 65, which is 27% above median its own 10-year median of 51.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Cards and Payment Services stock overvalued right now?
Based on GuruFocus' analysis, SBI Cards and Payment Services (NSE:SBICARD) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹1,024.55, compared to a current price of ₹644.95 — trading 37.1% below its estimated fair value. The current GF Score is 65, which is 27% above median its 10-year median of 51.00. SBI Cards and Payment Services' overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current GF Score is 65 as of Jul. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 ₹644.95 is trading 37.1% below its estimated GF Value™ of ₹1,024.55.
GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.
Key valuation signals for NSE:SBICARD:
GF Score: 65 (27% above median its 10-year median of 51.00)
GF Value™: ₹1,024.55 vs. price of ₹644.95 (37.1% below fair value)
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
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
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