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SBI Cards and Payment ServicesNSE:SBICARD -1.25%66 Return-on-Tangible-Asset is 4.01% as of Jun. 2026, which is 13% below its 10-year median of 4.61. GuruFocus rates NSE:SBICARD with a GF Score™ of 66/100 and a GF Value™ of ₹957.68 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 549 Credit Services companies, SBI Cards and Payment Services ranks better than 67.21% on this metric.
The historical rank and industry rank for SBI Cards and Payment Services's Return-on-Tangible-Asset or its related term are showing as below:
NSE:SBICARD'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 3.1 Med: 4.61 Max: 5.65
Current: 3.39
During the past 10 years, SBI Cards and Payment Services's highest Return-on-Tangible-Asset was 5.65%. The lowest was 3.10%. And the median was 4.61%.
NSE:SBICARD's Return-on-Tangible-Asset is ranked better than 67.21% of 549
companies
in the Credit Services industry
Industry Median: 1.97
vs NSE:SBICARD: 3.39
SBI Cards and Payment Services (NSE:SBICARD) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
SBI Cards and Payment Services Return-on-Tangible-Asset Related Terms
SBI Cards and Payment Services Return-on-Tangible-Asset 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.
SBI Cards and Payment Services Return-on-Tangible-Asset Chart
NSE:SBICARD vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, SBI Cards and Payment Services's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where SBI Cards and Payment Services's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.01% mean?
SBI Cards and Payment Services (NSE:SBICARD) has a Return-on-Tangible-Asset of 4.01% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on SBI Cards and Payment Services and its competitors. This is 13% below median its historical median of 4.61. Over the past decade, SBI Cards and Payment Services' Return-on-Tangible-Asset has ranged from 3.10 to 5.65. According to the industry distribution chart, SBI Cards and Payment Services ranks #180 out of 549 companies in the Credit Services industry, placing it in the top 32.8%.
Is SBI Cards and Payment Services' Return-on-Tangible-Asset too high?
SBI Cards and Payment Services' current Return-on-Tangible-Asset of 4.01% is 13% below median its 10-year median of 4.61. Over the past 10 years, this metric has ranged from a low of 3.10 to a high of 5.65. The Credit Services industry median Return-on-Tangible-Asset is 1.97. SBI Cards and Payment Services' value of 4.01% is 103.6% above this industry median. Based on the distribution chart, SBI Cards and Payment Services ranks #180 out of 549 companies in the Credit Services industry, which is above the industry midpoint. Overall, SBI Cards and Payment Services has a GF Score™ of 66/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Cards and Payment Services' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, SBI Cards and Payment Services ranks #180 out of 549 companies for Return-on-Tangible-Asset. This puts SBI Cards and Payment Services in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.97. SBI Cards and Payment Services' value of 4.01% is 103.6% above this benchmark. Historically, SBI Cards and Payment Services' own Return-on-Tangible-Asset has ranged from 3.10 to 5.65 over the past decade. While the company's 10-year median is 4.61 vs. the industry median of 1.97, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.97, based on 549 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Cards and Payment Services's current Return-on-Tangible-Asset of 4.01% is 103.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on SBI Cards and Payment Services and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Cards and Payment Services's current Return-on-Tangible-Asset is 4.01%, which is 13% below median its own 10-year median of 4.61. 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 ₹957.68, compared to a current price of ₹633.00 — trading 33.9% below its estimated fair value. The current Return-on-Tangible-Asset is 4.01%, which is 13% below median its 10-year median of 4.61 and 103.6% above the Credit Services industry median of 1.97. SBI Cards and Payment Services' overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current Return-on-Tangible-Asset is 4.01% as of Jun. 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 ₹633.00 is trading 33.9% below its estimated GF Value™ of ₹957.68.
GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.
Key valuation signals for NSE:SBICARD:
Return-on-Tangible-Asset: 4.01% (13% below median its 10-year median of 4.61)
GF Value™: ₹957.68 vs. price of ₹633.00 (33.9% below fair value)
Industry Position: 103.6% above the Credit Services median (#180 of 549)
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 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.
66GF Score
Get the complete analysis for NSE:SBICARD
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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