Promoter shareholding in SBI Cards decreased slightly YoY (-0.03%) with no change QoQ, while institutional shareholding fell significantly (-1.01% YoY, -1.00% QoQ), indicating a lack of confidence among smart money.

Compared to sector averages where Promoter and Institution shareholding is stable (0% change), SBI Cards is underperforming, suggesting potential concerns about the company's prospects relative to peers.

Public shareholding increased marginally (+0.02% YoY) but this is insufficient to offset the negative sentiment from Promoters and Institutions, reinforcing the broad-based selling trend.