SBICARDSBI Cards and Payment Services Limited Forensic Risk Analysis

Non Banking Financial Company (NBFC)
Risk ClassStable
Market Cap₹60,883 Cr
Primary DriverGovernance
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
15 / 100
-5 QoQ
Improving
Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

70.3th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹605.5▼1.7%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment
+15.0 pts
Final Composite Risk15 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 15 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • NIM Compression
  • Operating Leverage Stress
What to Watch Next Quarter
  • Operating profit margins
  • Debt growth

Active Risk Objects (2)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 8 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ2 FY2026
SBICARD: NIM decline is accelerating (75 bps drop vs prev -97 bps).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Operating Leverage Stress
📊 Earnings QualityAnnualActive for 3 Years
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ2 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"Debt levels are creeping up. Monitor for signs of excessive borrowing for non-core activities."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)5.364.59⚠️ HIGH
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+51.0+55.5📈 CRITICAL
Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹605.5(-1.7%)
1M Divergence-5.24%
1 Week-3.69%
1 Month-5.96%
6 Months-29.01%
1 Year-34.22%
2 Year-11.94%
3 Year-33.11%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

SBICARD • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%
Trend QualityDeteriorating
Phase Progression
Phase Progression Score7.5%
Readiness LabelLow (Early Base Consolidation)
Probability of Advancing0%
CoinTree Momentum
Composite Z-Score-0.9264σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#2507 of 2716
Top 92.30% in momentum strength
Timeframe Sparklines
1W-3.7%
1M-6.0%
6M-29.0%
Weinstein Indicators
150 DMA₹767.1
200 DMA₹789.01
150 DMA Slope-4.5193%Declining
Relative Strength-23.52%Lagging
Relative Turnover (RTR)1.0376
ParticipationNeutral

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (10.5).
SBICARDSBI Cards and Payment Services Limited
15 Risk
Sector %ile70th
Delta-5
Active Flags2
Accel+0
Governance

Stable

AIILAuthum Investment & Infrastructure Limited
16 Risk
Sector %ile78th
Delta0
Active Flags6
Accel+0
Earnings Quality

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2025

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY202620,7082,16749344,064
FY202518,6371,916-2,14044,947
FY202417,4842,408-5,45239,891
FY202314,2862,258-6,67131,110