The historical rank and industry rank for SBI Cards and Payment Services's ROE % or its related term are showing as below:
NSE:SBICARD'
s ROE % Range Over the Past 10 Years
Min: 14.67 Med: 24.35 Max: 31.62
Current: 14.67
During the past 10 years, SBI Cards and Payment Services's highest ROE % was 31.62%. The lowest was 14.67%. And the median was 24.35%.
NSE:SBICARD's ROE % is ranked better than 79.58% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs NSE:SBICARD: 14.67
SBI Cards and Payment Services (NSE:SBICARD) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
SBI Cards and Payment Services ROE % Related Terms
SBI Cards and Payment Services ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's ROE % distribution charts can be found below:
* The bar in red indicates where SBI Cards and Payment Services's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
SBI Cards and Payment Services (NSE:SBICARD) has a ROE % of 15.50% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SBI Cards and Payment Services and its competitors. This is 36% below median its historical median of 24.35. Over the past decade, SBI Cards and Payment Services' ROE % has ranged from 14.67 to 31.62. According to the industry distribution chart, SBI Cards and Payment Services ranks #108 out of 529 companies in the Credit Services industry, placing it in the top 20.4%.
Is SBI Cards and Payment Services' ROE % too high?
SBI Cards and Payment Services' current ROE % of 15.50% is 36% below median its 10-year median of 24.35. Over the past 10 years, this metric has ranged from a low of 14.67 to a high of 31.62. The Credit Services industry median ROE % is 6.61. SBI Cards and Payment Services' value of 15.50% is 134.5% above this industry median. Based on the distribution chart, SBI Cards and Payment Services ranks #108 out of 529 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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' ROE % compare to V and MA?
According to the Credit Services industry distribution chart, SBI Cards and Payment Services ranks #108 out of 529 companies for ROE %. This places SBI Cards and Payment Services in the top 20% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. SBI Cards and Payment Services' value of 15.50% is 134.5% above this benchmark. Historically, SBI Cards and Payment Services' own ROE % has ranged from 14.67 to 31.62 over the past decade. While the company's 10-year median is 24.35 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Cards and Payment Services's current ROE % of 15.50% is 134.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SBI Cards and Payment Services and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Cards and Payment Services's current ROE % is 15.50%, which is 36% below median its own 10-year median of 24.35. 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 ₹1,015.12, compared to a current price of ₹593.20 — trading 41.6% below its estimated fair value. The current ROE % is 15.50%, which is 36% below median its 10-year median of 24.35 and 134.5% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current ROE % is 15.50% 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 ₹593.20 is trading 41.6% below its estimated GF Value™ of ₹1,015.12.
GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.
Key valuation signals for NSE:SBICARD:
ROE %: 15.50% (36% below median its 10-year median of 24.35)
GF Value™: ₹1,015.12 vs. price of ₹593.20 (41.6% below fair value)
Industry Position: 134.5% above the Credit Services median (#108 of 529)
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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