SBI Cards Peer Comparison

NSE: SBICARD | BSE: 543066

₹628.70

₹-3.70 (-0.59%)

As on 02-Sep-2026 09:29IST

Market cap

₹60,130 Cr

Revenue (TTM)

₹20,063 Cr

P/E Ratio

26.4

P/B Ratio

3.7

Div. Yield

0.4 %

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	SBI Cards	L&T Fin	Mahin & Mahin Fin	Sundaram Finance	Poonawalla Fincorp
Market cap (₹ Cr)	60,130	77,559	50,664	50,324	40,551
Revenue (₹ Cr)	20,063	18,898	21,733	10,104	7,806
Net Profit (₹ Cr)	2,275.15	3,198.02	3,187.92	2,162.46	786.92
Net Margin (%)	10.90	16.89	14.62	21.26	10.06
RoE (%)	14.91	11.79	13.05	15.18	7.78
Price to Earnings	26.43	24.37	15.58	22.67	51.53
Price-To-Book	3.67	2.69	1.84	3.26	3.12

Income Statement (₹ Cr)

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

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

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

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

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

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

	SBI Cards	L&T Fin	Mahin & Mahin Fin	Sundaram Finance	Poonawalla Fincorp
Price / Earnings	26.43	24.18	15.11	22.08	49.04
Price / Book Value	3.67	2.69	1.84	3.26	3.12
Dividend Yield (%)	0.40	0.89	2.06	0.88	0.00
EV/EBITDA	18.62	15.06	12.26	14.65	20.05
Market Cap (₹ Cr)	60,455.08	60,155.90	39,769.47	48,223.59	29,764.75

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

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