SBI Cards and Payment Services (NSE:SBICARD) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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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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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
63 GF Score
Price ₹656.60
GF Value ₹947.40
Valuation Significantly Undervalued
! 3 Warning Signs
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What is SBI Cards and Payment Services ROC (Joel Greenblatt) %?

SBI Cards and Payment Services NSE:SBICARD +1.01% 63 ROC (Joel Greenblatt) % is % as of Jun. 2026. GuruFocus rates NSE:SBICARD with a GF Score™ of 63/100 and a GF Value™ of ₹947.40 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 417 Credit Services companies, SBI Cards and Payment Services ranks worse than 239807.91% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NSE:SBICARD
63GF Score
SBI Cards and Payment Services Ltd NSE:SBICARD
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
SBI Cards and Payment Services (NSE:SBICARD) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on SBI Cards and Payment Services and its competitors. According to the industry distribution chart, SBI Cards and Payment Services ranks #999999 out of 417 companies in the Credit Services industry.
Is SBI Cards and Payment Services' ROC (Joel Greenblatt) % too high?
SBI Cards and Payment Services' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, SBI Cards and Payment Services ranks #999999 out of 417 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SBI Cards and Payment Services has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Cards and Payment Services' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, SBI Cards and Payment Services ranks #999999 out of 417 companies for ROC (Joel Greenblatt) %. This places SBI Cards and Payment Services in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 39.25. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 39.25, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on SBI Cards and Payment Services and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 39.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Cards and Payment Services's current ROC (Joel Greenblatt) % is %. 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 ₹947.40, compared to a current price of ₹656.60 — trading 30.7% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. SBI Cards and Payment Services' overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current ROC (Joel Greenblatt) % is % 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 ₹656.60 is trading 30.7% below its estimated GF Value™ of ₹947.40. GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.

Key valuation signals for NSE:SBICARD:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₹947.40 vs. price of ₹656.60 (30.7% below fair value)
  • GF Score™: 63/100 with 3 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.
63GF Score

Get the complete analysis for NSE:SBICARD

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹656.60
Price
₹947.40
GF Value