SBI Cards Peer Comparison

NSE: SBICARD | BSE: 543066

₹525.00

₹-15.00 (-2.78%)

As on 30-Oct-2026IST

Market cap

₹50,104 Cr

Revenue (TTM)

₹20,243 Cr

P/E Ratio

19.2

P/B Ratio

2.9

Div. Yield

0.5 %

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	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Market cap (₹ Cr)	50,104	61,283	40,710	36,444	1,94,130
Revenue (₹ Cr)	20,243	20,046	8,889	22,642	51,877
Net Profit (₹ Cr)	2,607.98	3,435.90	1,087.57	3,526.22	12,663.30
Net Margin (%)	12.39	17.11	12.22	15.53	24.38
RoE (%)	15.86	12.03	9.02	13.67	14.31
Price to Earnings	19.21	17.90	37.43	10.13	15.30
Price-To-Book	2.92	2.09	2.96	1.33	1.74

Income Statement (₹ Cr)

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Operating Income	20,242.84	20,046.38	8,888.63	22,642.14	51,877.10
Other Income	804.65	33.75	12.00	68.61	72.36
Total Income	20,707.62	20,182.06	6,803.07	21,086.73	48,198.74
Interest Expense	3,030.49	7,390.59	3,539.87	9,350.95	20,764.78
PBT & Exceptional Items	3,633.12	4,845.17	1,568.37	5,032.84	17,553.06
Operating Expenses	14,383.88	7,787.35	3,792.39	8,061.06	13,631.62
Exceptional Income/Expenses	0.00	-28.51	0.00	-132.95	0.00
Profit before Tax	3,503.87	4,621.21	1,453.84	4,751.08	16,839.06
Taxes	895.89	1,185.31	366.27	1,224.86	4,175.31
Profit after Tax	2,607.98	3,435.90	1,087.57	3,526.22	12,663.75
Minority Interest	0.00	-13.09	0.00	-6.65	-0.01
Share of Associate	0.00	0.00	0.00	78.07	23.88
Consolidated Profit	2,607.98	3,422.81	1,087.57	3,597.64	12,687.17

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Shareholder's Funds	17,172.08	29,267.07	13,754.07	27,487.30	1,11,434.33
Minority Interest	0.00	-13.09	0.00	-6.65	-0.01
Non-Current Liabilities	2,086.66	774.19	107.48	816.62	1,467.08
Current Liabilities	51,843.57	1,27,720.00	60,722.39	1,51,948.83	2,41,860.70
Total Liabilities	66,327.79	1,42,183.73	60,271.56	1,58,643.94	3,21,374.52

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Non-Current Assets	564.30	3,006.79	266.26	2,091.58	7,236.72
Current Assets	69,043.25	1,53,261.82	73,635.12	1,77,044.13	3,46,723.03
Total Assets	66,327.79	1,42,183.73	60,271.56	1,58,643.94	3,21,374.52
Contingent Liabilities	75.50	307.66	17.48	1,305.46	3,248.72

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Cash From Operating Activities	493.03	-14,189.24	-21,785.59	-12,772.18	-13,281.43
Cash Flow from Investing Activities	245.47	366.90	-1,340.32	769.52	-242.83
Cash from Financing Activities	-1,172.36	15,415.06	23,387.26	10,637.20	8,586.79
Net Cash Inflow / Outflow	-433.86	1,592.72	261.35	-1,365.46	-4,937.47

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
ROCE (%)	11.75	8.54	7.55	8.63	11.49
ROE (%)	15.86	12.03	9.02	13.67	14.31
ROA (%)	3.70	2.41	1.79	2.14	3.87
EBIT Margin (%)	28.30	59.89	56.05	62.57	72.35
Net Margin (%)	12.39	17.11	12.22	15.53	24.38
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Revenue Growth (%)	5.81	19.92	74.99	14.94	13.76
EBIT Growth (%)	11.44	20.20	115.91	17.58	15.76
Net Profit Growth (%)	35.96	27.39	399.21	46.83	28.74
EPS Growth (%)	35.94	27.22	361.59	40.14	-33.57
Book Value Growth (%)	14.12	9.67	26.43	23.73	16.78

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Price / Earnings	19.21	17.78	36.30	9.85	13.79
Price / Book Value	2.92	2.09	2.96	1.33	1.74
Dividend Yield (%)	0.47	1.12	0.00	2.86	1.31
EV/EBITDA	15.37	12.89	16.89	10.62	11.38
Market Cap (₹ Cr)	60,455.08	60,155.90	29,764.75	39,769.47	1,64,090.04

	SBI Cards	L&T Fin	Poonawalla Fincorp	Mahin & Mahin Fin	Shriram Finance
Debt to Equity	0.00	0.00	0.00	0.00	0.00
Short term debt to equity ratio	2.39	2.03	1.69	2.09	1.17
Current Ratio	1.33	1.20	1.21	1.17	1.43
Quick Ratio	1.33	1.20	1.21	1.17	1.43
Interest Coverage	2.16	1.63	1.41	1.51	1.81

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.