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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
SBI Cards and Payment Services does not have enough data to calculate 10-Year RORE %.
SBI Cards and Payment Services (NSE:SBICARD) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
SBI Cards and Payment Services 10-Year RORE % Related Terms
SBI Cards and Payment Services 10-Year RORE % 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 10-Year RORE % Chart
NSE:SBICARD vs V, MA, AXP: 10-Year RORE % Comparison
For the Credit Services subindustry, SBI Cards and Payment Services's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where SBI Cards and Payment Services's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 10-year before.
SBI Cards and Payment Services (NSE:SBICARD) has a 10-Year RORE % of 0.00 as of Jun. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. 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 377 companies in the Credit Services industry.
Is SBI Cards and Payment Services' 10-Year RORE % too high?
SBI Cards and Payment Services' current 10-Year RORE % is 0.00. Based on the distribution chart, SBI Cards and Payment Services ranks #999999 out of 377 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 66/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Cards and Payment Services' 10-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, SBI Cards and Payment Services ranks #999999 out of 377 companies for 10-Year RORE %. This places SBI Cards and Payment Services in the lower half of its industry. The industry median 10-Year RORE % is 8.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Credit Services company?
The median 10-Year RORE % among Credit Services companies is 8.56, based on 377 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on SBI Cards and Payment Services and its competitors. For the Credit Services industry, the median 10-Year RORE % is 8.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Cards and Payment Services's current 10-Year RORE % is 0.00. 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 ₹958.20, compared to a current price of ₹633.00 — trading 33.9% below its estimated fair value. The current 10-Year RORE % is 0.00. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current 10-Year RORE % is 0.00 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 ₹958.20.
GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.
Key valuation signals for NSE:SBICARD:
10-Year RORE %: 0.00
GF Value™: ₹958.20 vs. price of ₹633.00 (33.9% below fair value)
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
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