The historical rank and industry rank for SBI Cards and Payment Services's Net Margin % or its related term are showing as below:
NSE:SBICARD'
s Net Margin % Range Over the Past 10 Years
Min: 12.93 Med: 14.66 Max: 21.15
Current: 13.19
NSE:SBICARD's Net Margin % is ranked worse than 53.85% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs NSE:SBICARD: 13.19
SBI Cards and Payment Services (NSE:SBICARD) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SBI Cards and Payment Services Net Margin % Related Terms
SBI Cards and Payment Services Net Margin % Historical Data
* 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.
NSE:SBICARD vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, SBI Cards and Payment Services's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where SBI Cards and Payment Services's Net Margin % falls into.
* 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 (NSE:SBICARD) has a Net Margin % of 14.99% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SBI Cards and Payment Services and its competitors. This is near median its historical median of 14.66. Over the past decade, SBI Cards and Payment Services' Net Margin % has ranged from 12.93 to 21.15. According to the industry distribution chart, SBI Cards and Payment Services ranks #287 out of 533 companies in the Credit Services industry, placing it in the top 53.8%.
Is SBI Cards and Payment Services' Net Margin % too high?
SBI Cards and Payment Services' current Net Margin % of 14.99% is near median its 10-year median of 14.66. Over the past 10 years, this metric has ranged from a low of 12.93 to a high of 21.15. The Credit Services industry median Net Margin % is 14.54. SBI Cards and Payment Services' value of 14.99% is 3.1% above this industry median. Based on the distribution chart, SBI Cards and Payment Services ranks #287 out of 533 companies in the Credit Services industry, which is below the industry midpoint. 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' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SBI Cards and Payment Services ranks #287 out of 533 companies for Net Margin %. This places SBI Cards and Payment Services in the lower half of its industry. The industry median Net Margin % is 14.54. SBI Cards and Payment Services' value of 14.99% is 3.1% above this benchmark. Historically, SBI Cards and Payment Services' own Net Margin % has ranged from 12.93 to 21.15 over the past decade. While the company's 10-year median is 14.66 vs. the industry median of 14.54, SBI Cards and Payment Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Cards and Payment Services's current Net Margin % of 14.99% is 3.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SBI Cards and Payment Services and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Cards and Payment Services's current Net Margin % is 14.99%, which is near median its own 10-year median of 14.66. 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 ₹1,013.97, compared to a current price of ₹624.85 — trading 38.4% below its estimated fair value. The current Net Margin % is 14.99%, which is near median its 10-year median of 14.66 and 3.1% above the Credit Services industry median of 14.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current Net Margin % is 14.99% as of Mar. 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 ₹624.85 is trading 38.4% below its estimated GF Value™ of ₹1,013.97.
GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.
Key valuation signals for NSE:SBICARD:
Net Margin %: 14.99% (near median its 10-year median of 14.66)
GF Value™: ₹1,013.97 vs. price of ₹624.85 (38.4% below fair value)
Industry Position: 3.1% above the Credit Services median (#287 of 533)
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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