SBICARD - IntraDay Trade Analysis with Live Signals

Last Updated Time : 05 Nov 25, 7:43 am

IntraDay Trade Rating: 3.8

💳 SBICARD shows improving volume and technical support, but high valuation and debt levels suggest a cautious intraday approach.

📈 Positive

• 📊 MACD at 1.32 and RSI at 42.4 indicate early bullish momentum with potential upside.
• 📈 Price trading above DMA 200 (₹858) and near DMA 50 (₹888), suggesting technical support.
• 📈 Volume of 18.2 lakh is above 1-week average of 12.3 lakh, showing rising intraday interest.
• 📈 DII holding increased by 0.26%, indicating domestic institutional confidence.
• 📈 Quarterly PAT of ₹445 Cr. with 9.98% growth shows earnings stability.

⚠️ Limitation

• 📉 P/E of 43.7 vs. industry P/E of 22.6 suggests premium valuation.
• 📉 PEG ratio of 7.50 signals expensive valuation relative to growth.
• 📉 Debt-to-equity ratio of 3.33 reflects high leverage, which may pressure margins.
• 📉 FII holding declined by 0.13%, showing slight foreign investor caution.

🚫 Company Negative News

• 📉 Sequential PAT decline from ₹556 Cr. to ₹445 Cr. may indicate margin pressure.

✅ Company Positive News

• 💳 Strong growth in credit card usage and digital payments supports long-term demand visibility.
• 📢 Operational efficiency and brand strength continue to drive customer acquisition and retention.

🏭 Industry

• 🏦 Industry P/E of 22.6 reflects moderate growth expectations in financial services and consumer lending.
• 📈 Sector supported by rising consumer credit demand and digital financial inclusion.

📌 Conclusion

• ⚠️ SBICARD is a moderate intraday candidate with improving volume and technical support but valuation and debt risks.
• 💡 Consider buying near ₹878–₹881 with target at ₹890–₹895 and stop-loss at ₹870.
• 📤 If already holding, exit if price crosses ₹893 with volume > 19 lakh or RSI > 46.

I can also chart SBICARD’s intraday support and resistance zones to help refine your trade setup.