SBI Cards and Payment Services (NSE:SBICARD) Asset Turnover: 0.06 (As of Mar. 2026)


NSE:SBICARD SBI Cards and Payment Services Ltd NSE:SBICARD
61 GF Score
Price ₹604.95
GF Value ₹1,018.43
Valuation Significantly Undervalued
! 2 Warning Signs
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What is SBI Cards and Payment Services Asset Turnover?

SBI Cards and Payment Services NSE:SBICARD +0.24% 61 Asset Turnover is 0.06 as of Mar. 2026. GuruFocus rates NSE:SBICARD with a GF Score™ of 61/100 and a GF Value™ of ₹1,018.43 (Significantly Undervalued). The stock has 2 warning signs investors should review.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. SBI Cards and Payment Services's Revenue for the three months ended in Mar. 2026 was ₹40,640 Mil. SBI Cards and Payment Services's Total Assets for the quarter that ended in Mar. 2026 was ₹663,278 Mil. Therefore, SBI Cards and Payment Services's Asset Turnover for the quarter that ended in Mar. 2026 was 0.06.

Asset Turnover is linked to ROE % through Du Pont Formula. SBI Cards and Payment Services's annualized ROE % for the quarter that ended in Mar. 2026 was 15.50%. It is also linked to ROA % through Du Pont Formula. SBI Cards and Payment Services's annualized ROA % for the quarter that ended in Mar. 2026 was 3.67%.


SBI Cards and Payment Services  (NSE:SBICARD) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

SBI Cards and Payment Services's annulized ROE % for the quarter that ended in Mar. 2026 is

ROE %**(Q: Mar. 2026 )
=Net Income/Total Stockholders Equity
=24372/157255
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(24372 / 162559.2)*(162559.2 / 663277.9)*(663277.9/ 157255)
=Net Margin %*Asset Turnover*Equity Multiplier
=14.99 %*0.2451*4.2178
=ROA %*Equity Multiplier
=3.67 %*4.2178
=15.50 %

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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

SBI Cards and Payment Services's annulized ROA % for the quarter that ended in Mar. 2026 is

ROA %(Q: Mar. 2026 )
=Net Income/Total Assets
=24372/663277.9
=(Net Income / Revenue)*(Revenue / Total Assets)
=(24372 / 162559.2)*(162559.2 / 663277.9)
=Net Margin %*Asset Turnover
=14.99 %*0.2451
=3.67 %

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

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.


SBI Cards and Payment Services Asset Turnover Related Terms


SBI Cards and Payment Services Asset Turnover Historical Data

* Premium members only.

The historical data trend for SBI Cards and Payment Services's Asset Turnover can be seen below:

* 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 Asset Turnover Chart

SBI Cards and Payment Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Asset Turnover
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.28 0.27 0.25 0.24 0.25

SBI Cards and Payment Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Asset Turnover Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.06 0.06 0.06 0.06 0.06

NSE:SBICARD vs V, MA, AXP: Asset Turnover Comparison

For the Credit Services subindustry, SBI Cards and Payment Services's Asset Turnover, along with its competitors' market caps and Asset Turnover 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 Asset Turnover vs Credit Services Industry

For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's Asset Turnover distribution charts can be found below:

* The bar in red indicates where SBI Cards and Payment Services's Asset Turnover falls into.


NSE:SBICARD
61GF Score
SBI Cards and Payment Services Ltd NSE:SBICARD
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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SBI Cards and Payment Services Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

SBI Cards and Payment Services's Asset Turnover for the fiscal year that ended in Mar. 2026 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Mar. 2026 )/( (Total Assets (A: Mar. 2025 )+Total Assets (A: Mar. 2026 ))/ count )
=164231.8/( (655458+663277.9)/ 2 )
=164231.8/659367.95
=0.25

SBI Cards and Payment Services's Asset Turnover for the quarter that ended in Mar. 2026 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Mar. 2026 )/( (Total Assets (Q: Dec. 2025 )+Total Assets (Q: Mar. 2026 ))/ count )
=40639.8/( (0+663277.9)/ 1 )
=40639.8/663277.9
=0.06

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.06 mean?
SBI Cards and Payment Services (NSE:SBICARD) has a Asset Turnover of 0.06 as of Mar. 2026. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on SBI Cards and Payment Services and its competitors.
Is SBI Cards and Payment Services' Asset Turnover too high?
SBI Cards and Payment Services' current Asset Turnover is 0.06. 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' Asset Turnover compare to V and MA?
SBI Cards and Payment Services' Asset Turnover of 0.06 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Asset Turnover for a Credit Services company?
A good Asset Turnover depends on the Credit Services industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on SBI Cards and Payment Services and its competitors. SBI Cards and Payment Services's current Asset Turnover is 0.06. 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 ₹1,018.43, compared to a current price of ₹604.95 — trading 40.6% below its estimated fair value. The current Asset Turnover is 0.06. 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 Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current Asset Turnover is 0.06 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 ₹604.95 is trading 40.6% below its estimated GF Value™ of ₹1,018.43. GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.

Key valuation signals for NSE:SBICARD:

  • Asset Turnover: 0.06
  • GF Value™: ₹1,018.43 vs. price of ₹604.95 (40.6% below fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for NSE:SBICARD

Asset Turnover is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹604.95
Price
₹1,018.43
GF Value