SBI Cards And Payment Services Ltd.

Financial

	SBI Cards AndPayment	Muthoot Finance	REC
Operational Metrics
Banking Sector
Net Interest Margin	11.2 %	11.27 %	3.63 %
Gross NPA	3.08 %	n/a	n/a
Interest Income Yield - Credit Cards	17.0 %	n/a	n/a
Cards In Force	20800.0 Thousands	n/a	n/a
30 Day Spend Active Rate	51.0 %	n/a	n/a
Receivable Per Card	26816.0 Rs	n/a	n/a
Online Spend as a % of Total Spend	58.9 %	n/a	n/a
Cost To Income Ratio	51.4 %	26.0 %	n/a
Capital to Risks Assets Ratio (CRAR)	22.9 %	23.71 %	25.99 %
NBFC
Cost of Borrowing	7.2 %	8.7 %	7.11 %
Net NPA	1.46 %	3.7 %	0.38 %
Unclassified
Tier 2 Capital	5.4 %	n/a	n/a
Tier I Capital	17.5 %	22.95 %	23.76 %
Financials
5 yr Average ROE	20.54 %	21.25 %	18.47 %
5yr average Equity Multiplier	4.55	4.13	8.58
5yr Average Asset Turnover Ratio	0.32	0.16	0.09
5yr Avg Net Profit Margin	13.97 %	31.48 %	24.76 %
5yr Avg Net Profit Margin	13.97 %	31.48 %	24.76 %
5yr CAGR Net Profit	14.11 %	6.62 %	23.26 %
5yr CAGR Sales	12.38 %	9.31 %	10.27 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	6.97	3.6	1.35
P/E	50.1	19.82	6.66
Shareholdings
Promoter Holding	68.6 %	73.35 %	52.63 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.99 %	-0.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.64 %	1.71 %	-0.39 %

Business

	SBI Cards AndPayment	Muthoot Finance	REC
Product Wise Break-Up	Product Wise Break-Up Interest Income 51.49 Spend based 22.77 Instance based & other 18.81 Subscription 6.93 Service Charges 0 Sale of Services 0 Dividend Income 0 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0	Product Wise Break-Up Net gain/ (loss) on fair value changes 0 Fees and Commission Income 0 0 Spend based 0 Subscription 0 Interest Income 97.64 Sale of Services 0 Service Charges 1.14 Dividend Income 0 Instance based & other 0 Others 1.22	Product Wise Break-Up Net gain/ (loss) on fair value changes 2.01 Fees and Commission Income 0 0 Spend based 0 Subscription 0 Interest Income 97.99 Sale of Services 0 Service Charges 0 Dividend Income 0 Instance based & other 0
Location Wise Break-Up	Location Wise Break-Up Tier I 35.0 Tier Iii 26.0 Tier Ii 22.0 India 0 Others 17.0	Location Wise Break-Up Tier Ii 0 Tier I 0 India 100.0 Tier Iii 0	Location Wise Break-Up Tier Ii 0 Tier I 0 India 100.0 Tier Iii 0
Customer Segment	Customer Segment Salaried 61.0 Self-Employed 39.0 Private 0 Joint 0 State 0	-	Customer Segment STATE 87.0 Private 13.0 Self-Employed 0 Joint 0 Salaried 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 67.0 Term Loans 19.0 Debenture 14.0 Commercial Papers 0 Subordinated Debt 0 Secured Non-Convertible Debentures 0 External Commercial Borrowings 0 Overdraft against Deposite 0 From Bank 0 Commercial Paper 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 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 Infra Bonds 0 External Commercial Borrowings 0 Securitised Loans 0 Banks , Fis , Govt. & etc. 0 Debenture 0 Term Loan from Bank 0 Loan From Banks 0 Loan From Banks 55.68 Foreign Currency Borrowings 0 Secured Non-Convertible Debentures 26.0 Commercial Papers 0 Loans from related party 0 Term Loans 0 Capital Gain Bonds 0 Overdraft against Deposite 0 Subordinated Debt 0 Pass through certificates payable 0 Tax Free Bonds 0 FCNR (B) Loans 0 Cash Credit/ Short term loan 0 Loan from Financial Institutions 0 0 Commercial Papers 4.91 Others 13.41	Borrowings Break-Up Infra Bonds 0 External Commercial Borrowings 0 Securitised Loans 0 Banking 11.0 Debenture 0 Term Loan from Bank 0 Loan From Banks 0 From Bank 0 Foreign Currency Borrowings 26.0 Secured Non-Convertible Debentures 0 Commercial Papers 0 Loans from related party 0 Term Loans 0 Capital Gain Bonds 9.0 Overdraft against Deposite 0 Subordinated Debt 0 Pass through certificates payable 0 Tax Free Bonds 2.0 Loans 9.0 Cash Credit/ Short term loan 0 Loan from Financial Institutions 0 Institutional , Subordinate & Zero Coupon Bonds 42.0 Commercial Paper 0 Others 1.0
Recievable Mix	Recievable Mix Transactor 41.0 Loan From Banks 35.0 Revolver 24.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

SIGN UP FOR FREE