⚠ Disclaimer: This report is generated using AI tools and is for informational purposes only. It does not constitute investment advice. Please consult a registered financial advisor before making any investment decisions.
SBICARD - Swing Trade Analysis with AI Signals
Back to ListSwing Trade Rating: 3.4
| Stock Code | SBICARD | Market Cap | 65,867 Cr. | Current Price | 694 ₹ | High / Low | 1,027 ₹ |
| Stock P/E | 31.5 | Book Value | 155 ₹ | Dividend Yield | 0.36 % | ROCE | 10.4 % |
| ROE | 14.8 % | Face Value | 10.0 ₹ | DMA 50 | 766 ₹ | DMA 200 | 824 ₹ |
| Chg in FII Hold | 0.04 % | Chg in DII Hold | 0.08 % | PAT Qtr | 557 Cr. | PAT Prev Qtr | 445 Cr. |
| RSI | 31.7 | MACD | -22.2 | Volume | 14,23,512 | Avg Vol 1Wk | 15,20,411 |
| Low price | 686 ₹ | High price | 1,027 ₹ | PEG Ratio | 5.40 | Debt to equity | 3.33 |
| 52w Index | 2.33 % | Qtr Profit Var | 45.2 % | EPS | 22.0 ₹ | Industry PE | 16.4 |
📊 SBICARD currently trades at ₹694, close to its recent low of ₹686. Technical indicators (RSI 31.7, MACD -22.2, price below 50DMA and 200DMA) suggest weak momentum. Despite strong quarterly profit growth, the stock is overvalued compared to industry peers. This makes it a cautious swing trade candidate.
💡 Optimal Entry Price: Around ₹686–690 (near support zone and oversold RSI).
🔔 Exit Strategy if Holding: Consider exiting near ₹760–770 (around 50DMA resistance) unless momentum strengthens.
✅ Positive
- Quarterly PAT growth from ₹445 Cr. to ₹557 Cr. (45.2% increase).
- EPS of ₹22 shows consistent earnings power.
- Institutional investors increasing stake (FII +0.04%, DII +0.08%).
- ROE at 14.8% indicates decent profitability.
⚠️ Limitation
- High debt-to-equity ratio of 3.33.
- PEG ratio of 5.40 suggests overvaluation.
- Stock P/E of 31.5 is nearly double industry PE of 16.4.
- Dividend yield is low at 0.36%.
📉 Company Negative News
- Weak technicals: RSI oversold, MACD negative.
- Price trading below both 50DMA and 200DMA.
- High leverage could pressure future earnings.
📈 Company Positive News
- Strong quarterly profit growth and rising EPS.
- Improving institutional confidence with increased holdings.
🏭 Industry
- Industry PE at 16.4 indicates sector is cheaper than SBICARD.
- Credit card industry in India is expanding rapidly with rising consumer spending.
- Competition from fintech and banks remains strong.
🔎 Conclusion
SBICARD is fundamentally strong but technically weak at present. It is not an ideal swing trade unless entered near ₹686–690 with a target around ₹760–770. Risk management is essential due to high debt and overvaluation compared to industry peers.