SBI Cards Peer Comparison

NSE: SBICARD | BSE: 543066

₹562.40

₹14.75 (2.69%)

As on 09-Oct-2026 09:29IST

Market cap

₹52,150 Cr

Revenue (TTM)

₹20,063 Cr

P/E Ratio

22.9

P/B Ratio

3.2

Div. Yield

0.5 %

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	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Market cap (₹ Cr)	52,150	64,440	45,716	43,186	38,588
Revenue (₹ Cr)	20,063	18,898	10,104	21,733	7,806
Net Profit (₹ Cr)	2,275.15	3,198.02	2,162.46	3,187.92	786.92
Net Margin (%)	10.90	16.89	21.26	14.62	10.06
RoE (%)	14.91	11.79	15.18	13.05	7.78
Price to Earnings	22.92	20.25	20.59	13.28	49.04
Price-To-Book	3.18	2.23	2.96	1.57	2.97

Income Statement (₹ Cr)

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Operating Income	20,063.29	18,897.97	10,104.12	21,732.67	7,806.43
Other Income	819.01	33.72	69.24	65.43	12.13
Total Income	20,707.62	20,182.06	9,877.27	21,086.73	6,803.07
Interest Expense	3,003.29	7,054.41	4,828.75	9,025.63	3,142.23
PBT & Exceptional Items	3,189.64	4,494.40	3,046.17	4,559.23	1,153.93
Operating Expenses	14,689.37	7,325.86	2,147.22	7,947.34	3,522.40
Exceptional Income/Expenses	0.00	-28.51	-75.61	-132.95	0.00
Profit before Tax	3,057.92	4,291.23	2,872.43	4,292.83	1,051.43
Taxes	782.77	1,093.21	709.97	1,104.91	264.51
Profit after Tax	2,275.15	3,198.02	2,162.46	3,187.92	786.92
Minority Interest	0.00	-15.47	0.00	-6.94	0.00
Share of Associate	0.00	0.00	57.38	71.71	0.00
Consolidated Profit	2,275.15	3,182.55	2,219.84	3,252.69	786.92

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Shareholder's Funds	15,725.50	27,983.53	14,893.65	26,638.64	10,348.24
Minority Interest	0.00	-15.47	0.00	-6.94	0.00
Non-Current Liabilities	1,973.91	616.40	310.90	900.16	66.57
Current Liabilities	48,628.38	1,13,554.88	70,590.86	1,31,051.81	49,856.75
Total Liabilities	66,327.79	1,42,183.73	85,795.39	1,58,643.94	60,271.56

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Non-Current Assets	552.55	2,795.13	1,311.04	2,161.31	203.28
Current Assets	64,275.43	1,38,099.25	84,120.74	1,55,206.53	59,450.81
Total Assets	66,327.79	1,42,183.73	85,795.39	1,58,643.94	60,271.56
Contingent Liabilities	75.50	307.66	117.97	1,305.46	17.48

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Cash From Operating Activities	493.03	-14,189.24	-5,892.22	-12,772.18	-21,785.59
Cash Flow from Investing Activities	245.47	366.90	-1,371.35	769.52	-1,340.32
Cash from Financing Activities	-1,172.36	15,415.06	7,478.48	10,637.20	23,387.26
Net Cash Inflow / Outflow	-433.86	1,592.72	214.91	-1,365.46	261.35

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
ROCE (%)	11.75	8.54	9.35	8.63	7.55
ROE (%)	14.91	11.79	15.18	13.05	7.78
ROA (%)	3.45	2.44	2.68	2.11	1.65
EBIT Margin (%)	26.13	60.01	76.28	61.59	53.57
Net Margin (%)	10.90	16.89	21.26	14.62	10.06
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Revenue Growth (%)	7.92	15.24	13.75	13.56	72.47
EBIT Growth (%)	1.69	15.99	12.87	14.54	225.51
Net Profit Growth (%)	21.16	20.27	18.66	43.18	340.37
EPS Growth (%)	21.14	20.08	18.72	33.47	323.02
Book Value Growth (%)	14.12	9.67	12.84	23.73	26.43

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Price / Earnings	22.92	20.09	20.06	12.88	46.66
Price / Book Value	3.18	2.23	2.96	1.57	2.97
Dividend Yield (%)	0.46	1.07	0.97	2.41	0.00
EV/EBITDA	17.13	13.93	14.07	11.72	19.59
Market Cap (₹ Cr)	60,455.08	60,155.90	48,223.59	39,769.47	29,764.75

	SBI Cards	L&T Fin	Sundaram Finance	Mahin & Mahin Fin	Poonawalla Fincorp
Debt to Equity	0.00	0.00	0.00	4.83	0.00
Short term debt to equity ratio	2.39	2.03	0.51	2.91	1.69
Current Ratio	1.32	1.22	1.19	1.18	1.19
Quick Ratio	1.32	1.22	1.19	1.18	1.19
Interest Coverage	2.02	1.61	1.59	1.48	1.33

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