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

Financial

	SBI Cards & Payment	Sundaram Finance	Mah & Mah Finl. Serv
Operational Metrics
Banks
Net Interest Margin	11.1 %	4.8 %	7.5 %
Gross NPA	2.41 %	n/a	n/a
Interest Income Yield - Credit Cards	16.2 %	n/a	n/a
Cards In Force	22100.0 Thousands	n/a	n/a
30 Day Spend Active Rate	52.0 %	n/a	n/a
Receivable Per Card	25762.0 Rs	n/a	n/a
Online Spend as a % of Total Spend	62.5 %	n/a	n/a
Cost To Income Ratio	57.2 %	28.72 %	38.4 %
Capital to Risks Assets Ratio (CRAR)	25.5 %	19.1 %	18.8 %
NBFC
Cost of Borrowing	6.4 %	6.3 %	n/a
Net NPA	1.04 %	1.06 %	1.4 %
Unclassified
Tier 2 Capital	5.5 %	n/a	n/a
Tier I Capital	20.0 %	16.8 %	16.7 %
Financials
5 yr Average ROE	18.66 %	13.8 %	9.77 %
5yr average Equity Multiplier	4.55	5.72	5.85
5yr Average Asset Turnover Ratio	0.31	0.11	0.13
5yr Avg Net Profit Margin	13.41 %	22.27 %	12.89 %
5yr Avg Net Profit Margin	13.41 %	22.27 %	12.89 %
5yr CAGR Net Profit	14.25 %	10.04 %	20.22 %
5yr CAGR Sales	13.92 %	9.88 %	12.92 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.7	3.41	1.78
P/E	26.86	24.68	16.6
Shareholdings
Promoter Holding	68.92 %	37.21 %	52.49 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-1.28 %	0.33 %
Change in Mutual Fund Holding (3 Yrs)	-1.51 %	-7.68 %	4.43 %

Business

	SBI Cards & Payment	Sundaram Finance	Mah & Mah Finl. Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 48.0 Spend based 28.0 Instance based & other 18.0 Subscription 6.0 Lease Rental 0 Dividend 0 Fees and Commission Income 0	Product Wise Break-Up Lease Rental 2.37 Instance based & other 0 Interest Income 84.24 Fees and Commission 4.16 Dividend 1.19 Spend based 0 Subscription 0 Others 8.04	-
Location Wise Break-Up	Location Wise Break-Up Tier I 34.0 Tier Iii 27.0 Tier Ii 21.0 East India 0 West India 0 North India 0 South India 0 Central India 0 Others 18.0	Location Wise Break-Up Tier Iii 0 North India 24.3 East India 4.0 Central India 0 Tier Ii 0 West India 10.6 South India 45.8 Tier I 0 Others 15.3	Location Wise Break-Up Tier Iii 0 North India 33.0 East India 20.0 Central India 10.0 Tier Ii 0 West India 18.0 South India 19.0 Tier I 0
Customer Segment	Customer Segment Salaried 51.0 Self-Employed 49.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 61.0 Term Loans 24.0 Debenture 15.0 Commercial Papers 0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0	Borrowings Break-Up Commercial Papers 0 Loans from corporates 0 Loans repayable on demand 0 Securitisation 13.5 Bank Borrowing 32.3 Comercial paper 6.6 Term loans 0 WC Loans 0 Term Loans 0 Loan From Banks 0 Debenture 35.7 NHB 0 Others 11.9	Borrowings Break-Up Commercial Papers 0 Loans from corporates 0 Loans repayable on demand from banks 0.04 Securitisation Deposits 0 Bank Borrowing 0 Comercial paper 0 Loan From Banks 99.93 WC Loans 0 Term Loans 0 Loan From Banks 0 Debenture 0 NHB 0 Others 0.03
Recievable Mix	Recievable Mix Transactor 46.0 Loan From Banks 32.0 Revolver 22.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

Financial

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