ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SBI Cards and Payment Services's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹24,372 Mil.
SBI Cards and Payment Services's average Total Assets over the quarter that ended in Mar. 2026 was ₹663,278 Mil. Therefore, SBI Cards and Payment Services's annualized ROA % for the quarter that ended in Mar. 2026 was 3.67%.
The historical rank and industry rank for SBI Cards and Payment Services's ROA % or its related term are showing as below:
NSE:SBICARD'
s ROA % Range Over the Past 10 Years
Min: 3.1 Med: 4.6 Max: 5.63
Current: 3.22
During the past 10 years, SBI Cards and Payment Services's highest ROA % was 5.63%. The lowest was 3.10%. And the median was 4.60%.
NSE:SBICARD's ROA % is ranked better than 68.07% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs NSE:SBICARD: 3.22
SBI Cards and Payment Services (NSE:SBICARD) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
SBI Cards and Payment Services ROA % Related Terms
SBI Cards and Payment Services ROA % 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.
For the Credit Services subindustry, SBI Cards and Payment Services's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's ROA % distribution charts can be found below:
* The bar in red indicates where SBI Cards and Payment Services's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
SBI Cards and Payment Services (NSE:SBICARD) has a ROA % of 3.67% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SBI Cards and Payment Services and its competitors. This is 20% below median its historical median of 4.60. Over the past decade, SBI Cards and Payment Services' ROA % has ranged from 3.10 to 5.63. According to the industry distribution chart, SBI Cards and Payment Services ranks #174 out of 545 companies in the Credit Services industry, placing it in the top 31.9%.
Is SBI Cards and Payment Services' ROA % too high?
SBI Cards and Payment Services' current ROA % of 3.67% is 20% below median its 10-year median of 4.60. Over the past 10 years, this metric has ranged from a low of 3.10 to a high of 5.63. The Credit Services industry median ROA % is 1.92. SBI Cards and Payment Services' value of 3.67% is 91.1% above this industry median. Based on the distribution chart, SBI Cards and Payment Services ranks #174 out of 545 companies in the Credit Services industry, which is above the industry midpoint. Overall, SBI Cards and Payment Services has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Cards and Payment Services' ROA % compare to V and MA?
According to the Credit Services industry distribution chart, SBI Cards and Payment Services ranks #174 out of 545 companies for ROA %. This puts SBI Cards and Payment Services in the upper half of its industry. The industry median ROA % is 1.92. SBI Cards and Payment Services' value of 3.67% is 91.1% above this benchmark. Historically, SBI Cards and Payment Services' own ROA % has ranged from 3.10 to 5.63 over the past decade. While the company's 10-year median is 4.60 vs. the industry median of 1.92, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Cards and Payment Services's current ROA % of 3.67% is 91.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SBI Cards and Payment Services and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Cards and Payment Services's current ROA % is 3.67%, which is 20% below median its own 10-year median of 4.60. 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 ₹1,015.60, compared to a current price of ₹596.15 — trading 41.3% below its estimated fair value. The current ROA % is 3.67%, which is 20% below median its 10-year median of 4.60 and 91.1% above the Credit Services industry median of 1.92. SBI Cards and Payment Services' overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current ROA % is 3.67% 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 ₹596.15 is trading 41.3% below its estimated GF Value™ of ₹1,015.60.
GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.
Key valuation signals for NSE:SBICARD:
ROA %: 3.67% (20% below median its 10-year median of 4.60)
GF Value™: ₹1,015.60 vs. price of ₹596.15 (41.3% below fair value)
Industry Position: 91.1% above the Credit Services median (#174 of 545)
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.
61GF Score
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