SBICARD

Current share price: ₹878 (as of 21 November 2025). 52-week range: ₹663 (low) to ₹1,027 (high). Price-to-Earnings (P/E, TTM): 43.6×. Price-to-Book (P/B): 5.65×. Return on Equity (ROE): 12.97% Debt‐to-Equity: 3.33. Valuation is relatively rich: P/E 43× is significantly higher than many peers/industry averages ROE (12-15%) is moderate given high valuation – so expectations for growth are baked in. Asset quality concerns: For example, higher write-offs and delinquencies were reported in a quarter. Cost of funds / margins pressure: A credit-card business is exposed to unsecured lending risk. Some broker reports note that growth, margin and credit cost are areas to watch. The stock has seen its 52-week high at ₹1,027 but is currently below that, indicating potential downside from past peak or perhaps market caution.