SBI Cards And Payment Services Ltd. benchmarking: Perfomance to industry peers

Financial

	SBI Cards AndPayment	L&T Finance	REC
Operational Metrics
Banks
Net Interest Margin	11.2 %	8.42 %	3.64 %
Gross NPA	2.85 %	n/a	n/a
Interest Income Yield - Credit Cards	16.5 %	n/a	n/a
Cards In Force	21500.0 Thousands	n/a	n/a
30 Day Spend Active Rate	53.0 %	n/a	n/a
Receivable Per Card	27832.0 Rs	n/a	n/a
Online Spend as a % of Total Spend	62.5 %	n/a	n/a
Cost To Income Ratio	56.8 %	40.0 %	n/a
Capital to Risks Assets Ratio (CRAR)	22.5 %	19.99 %	23.74 %
NBFC
Cost of Borrowing	6.4 %	7.32 %	7.17 %
Net NPA	1.29 %	1.0 %	0.24 %
Unclassified
Tier 2 Capital	5.0 %	n/a	n/a
Tier I Capital	17.5 %	19.24 %	21.73 %
Financials
5 yr Average ROE	18.66 %	7.66 %	19.72 %
5yr average Equity Multiplier	4.55	4.96	8.18
5yr Average Asset Turnover Ratio	0.31	0.12	0.09
5yr Avg Net Profit Margin	13.41 %	12.53 %	27.08 %
5yr Avg Net Profit Margin	13.41 %	12.53 %	27.08 %
5yr CAGR Net Profit	14.25 %	22.18 %	13.65 %
5yr CAGR Sales	13.92 %	2.37 %	9.67 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	5.61	2.85	1.07
P/E	43.22	27.86	5.17
Shareholdings
Promoter Holding	68.59 %	66.1 %	52.63 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.82 %	-0.1 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.63 %	9.55 %	1.47 %

Business

	SBI Cards AndPayment	L&T Finance	REC
Product Wise Break-Up	Product Wise Break-Up Interest Income 50.0 Spend based 26.0 Instance based & other 18.0 Subscription 6.0 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Dividend Income 0	-	Product Wise Break-Up Interest Income 94.63 Fees and Commission Income 3.13 Dividend Income 0 Spend based 0 Subscription 0 0 Instance based & other 0 Net gain/ (loss) on fair value changes 1.65 Others 0.59
Location Wise Break-Up	Location Wise Break-Up Tier I 35.0 Tier Iii 26.0 Tier Ii 21.0 India 0 Others 18.0	Location Wise Break-Up Tier Ii 0 India 0 Tier Iii 0 Tier I 0 Others 100	Location Wise Break-Up Tier Ii 0 India 100.0 Tier Iii 0 Tier I 0
Customer Segment	Customer Segment Salaried 51.0 Self-Employed 49.0 Private 0 Joint 0 State 0	-	Customer Segment Joint 0 Private 14.0 Self-Employed 0 STATE 86.0 Salaried 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 62.0 Term Loans 22.0 Debenture 15.0 Commercial Papers 1.0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0	Borrowings Break-Up Banks , Fis , Govt. & etc. 0 Debenture 0 NCD 1.0 Term Loans 0 Tax Free Bonds 0 Commercial Papers 7.0 0 Bank Loan 50.0 FCNR (B) Loans 0 Capital Gain Bonds 0 ECB 8.0 Foreign Currency Borrowings 0 Infra Bonds 0 NCD 27.0 Loan From Banks 0 Commercial Papers 0 Others 7.0	Borrowings Break-Up Banks , Fis , Govt. & etc. 0 Debenture 0 NCD (retail) 0 Term Loans 0 Tax Free Bonds 0 Commercial Paper 0 Institutional , Subordinate & Zero Coupon Bonds 56.0 Bank loan 0 Loans 4.0 Capital Gain Bonds 0 ECB 0 Foreign Currency Borrowings 26.0 Infra Bonds 0 NCD (ex retail) 0 Loan From Banks 0 Commercial Papers 0 Others 14.0
Recievable Mix	Recievable Mix Transactor 44.0 Loan From Banks 34.0 Revolver 22.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

Financial

Business

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