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SBI Cards and Payment ServicesNSE:SBICARD +3.75%65 5-Year Yield-on-Cost % is 0.79 as of Aug. 20, 2026, which is 32% above its 10-year median of 0.60. GuruFocus rates NSE:SBICARD with a GF Score™ of 65/100 and a GF Value™ of ₹959.55 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 211 Credit Services companies, SBI Cards and Payment Services ranks worse than 82.46% on this metric.
The historical rank and industry rank for SBI Cards and Payment Services's 5-Year Yield-on-Cost % or its related term are showing as below:
NSE:SBICARD'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.17 Med: 0.6 Max: 0.81
Current: 0.79
During the past 10 years, SBI Cards and Payment Services's highest Yield on Cost was 0.81. The lowest was 0.17. And the median was 0.60.
NSE:SBICARD's 5-Year Yield-on-Cost % is ranked worse than 82.46% of 211
companies
in the Credit Services industry
Industry Median: 4.56
vs NSE:SBICARD: 0.79
SBI Cards and Payment Services (NSE:SBICARD) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
SBI Cards and Payment Services 5-Year Yield-on-Cost % Related Terms
NSE:SBICARD vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, SBI Cards and Payment Services's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBI Cards and Payment Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where SBI Cards and Payment Services's 5-Year Yield-on-Cost % falls into.
SBI Cards and Payment Services 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
SBI Cards and Payment Services (NSE:SBICARD) has a 5-Year Yield-on-Cost % of 0.79 as of Aug. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on SBI Cards and Payment Services and its competitors. This is 32% above median its historical median of 0.60. Over the past decade, SBI Cards and Payment Services' 5-Year Yield-on-Cost % has ranged from 0.17 to 0.81. According to the industry distribution chart, SBI Cards and Payment Services ranks #174 out of 211 companies in the Credit Services industry, placing it in the top 82.5%.
Is SBI Cards and Payment Services' 5-Year Yield-on-Cost % too high?
SBI Cards and Payment Services' current 5-Year Yield-on-Cost % of 0.79 is 32% above median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.81. The Credit Services industry median 5-Year Yield-on-Cost % is 4.56. SBI Cards and Payment Services' value of 0.79 is 82.7% below this industry median. Based on the distribution chart, SBI Cards and Payment Services ranks #174 out of 211 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 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Cards and Payment Services' 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, SBI Cards and Payment Services ranks #174 out of 211 companies for 5-Year Yield-on-Cost %. This places SBI Cards and Payment Services in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.56. SBI Cards and Payment Services' value of 0.79 is 82.7% below this benchmark. Historically, SBI Cards and Payment Services' own 5-Year Yield-on-Cost % has ranged from 0.17 to 0.81 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 4.56, SBI Cards and Payment Services has consistently been below 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.56, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Cards and Payment Services's current 5-Year Yield-on-Cost % of 0.79 is 82.7% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on SBI Cards and Payment Services and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Cards and Payment Services's current 5-Year Yield-on-Cost % is 0.79, which is 32% above median its own 10-year median of 0.60. 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 ₹959.55, compared to a current price of ₹647.05 — trading 32.6% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.79, which is 32% above median its 10-year median of 0.60 and 82.7% below the Credit Services industry median of 4.56. SBI Cards and Payment Services' overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For SBI Cards and Payment Services (NSE:SBICARD), the current 5-Year Yield-on-Cost % is 0.79 as of Aug. 20, 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 ₹647.05 is trading 32.6% below its estimated GF Value™ of ₹959.55.
GuruFocus considers SBI Cards and Payment Services to be Significantly Undervalued.
Key valuation signals for NSE:SBICARD:
5-Year Yield-on-Cost %: 0.79 (32% above median its 10-year median of 0.60)
GF Value™: ₹959.55 vs. price of ₹647.05 (32.6% below fair value)
Industry Position: 82.7% below the Credit Services median (#174 of 211)
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.
65GF Score
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