Market Cap
₹70,172 Cr.
P/E
29.96
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Company Timeline

Forensics
Other Income
Other Income is not affecting ratios of the company
Pledge
Promoters have not pledged a significant portion of their holding
Cost Of Borrowing
Cost Of Borrowing of the company seems to be trending up
Cost to Income Ratio
Operational cost of company is trending up
Contingent Liabilities
Company does not have significant contingent liabilities
Retail Holding
Retail has been buying the stock which is usually a sign of exuberance
Share price
Share price has increased over last 10 years due to earnings
ROE
Asset Turnover is responsible for ROE increase over last 10 years
Net Interest Margin
Net Interest margin of the company is trending down
Net NPA
NPA's of the company is currently under control
Promoter Holding
Promoter has not sold any shares in the last 90 days
Current vs Historic Valuation
Company is trading at a discount to 3 year historic valuations
ROE
Latest
22.98%
3yr Average
19.81%
5yr Average
21.37%
Net Profit Margin
Latest
16.53%
3yr Average
14.08%
5yr Average
13.61%
Market Share
15.57% (as of Feb 24)
Credit Card Transactions - Market Share
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Revenue mix

Product Wise Break-Up

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Location Wise Break-Up

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Customer Segment

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Borrowings Break-Up

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Recievable Mix

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Operational Metrics

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    • Cost To Income Ratio (%)
    • Gross NPA (%)
    • Net Interest Margin (%)
    • Online Spend as a % of Total Spend (%)
    • Interest Income Yield - Credit Cards (%)
    • Cards In Force (Thousands)
    • 30 Day Spend Active Rate (%)
    • Receivable Per Card (Rs)
    • Net NPA (%)
    • Cost of Borrowing (%)
    • Capital to Risks Assets Ratio (CRAR) (%)
    • Tier 2 Capital (%)
    • Tier I Capital (%)
    Peer Comparison
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