SBI Cards and Payment Services (NSE:SBICARD) Scaled Net Operating Assets: N/A (As of Mar. 2026)


NSE:SBICARD SBI Cards and Payment Services Ltd NSE:SBICARD
67 GF Score
Price ₹611.65
GF Value ₹1,020.35
Valuation Significantly Undervalued
! 2 Warning Signs
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What is SBI Cards and Payment Services Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SBI Cards and Payment Services's operating assets for the quarter that ended in Mar. 2026 was ₹640,080 Mil. SBI Cards and Payment Services's operating liabilities for the quarter that ended in Mar. 2026 was ₹65,386 Mil. SBI Cards and Payment Services's Total Assets for the quarter that ended in Dec. 2025 was ₹0 Mil. Therefore, SBI Cards and Payment Services's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was N/A.

NSE:SBICARD
67GF Score
SBI Cards and Payment Services Ltd NSE:SBICARD
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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SBI Cards and Payment Services Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SBI Cards and Payment Services's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(640080.1-65385.6)/655458
=0.88

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=663277.9 - 23197.8
=640080.1

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=506022.9 - 440637.3 - 0
=65385.6

SBI Cards and Payment Services's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(640080.1-65385.6)/0
=N/A

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=663277.9 - 23197.8
=640080.1

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=506022.9 - 440637.3 - 0
=65385.6

* 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.

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 ₹611.65 is trading 40.1% below its estimated GF Value™ of ₹1,020.35. GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.

Key valuation signals for NSE:SBICARD:

  • Scaled Net Operating Assets: N/A
  • GF Value™: ₹1,020.35 vs. price of ₹611.65 (40.1% below fair value)
  • GF Score™: 67/100 with 2 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.
67GF Score

Get the complete analysis for NSE:SBICARD

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹611.65
Price
₹1,020.35
GF Value