In ₹ Crore except Per Share Latest Annual | SBICARD FY26 | HDFCBANK FY26 | ICICIBANK FY26 | POLICYBZR FY26 | Peer Median | |
|---|---|---|---|---|---|---|
| Valuation — at last close | ||||||
| P/E | 29.21× | ◆ 13.95× | 18.15× | 123.18× | 18.15× +61% | |
| P/B | — | ◆ 1.83× | 2.60× | 11.36× | 2.60× | |
| EV/EBITDA | — | — | — | 159.06× | 159.06× | |
| Market Cap | — | ₹10.63L Cr | ₹9.86L Cr | ₹83,101 Cr | ₹9.86L Cr | |
| Growth | ||||||
| Revenue CAGR 3Y | 13.34% | ◆ 42.63% | 17.26% | 38.49% | 38.49% -65% | |
| Revenue CAGR 5Y | — | 30.97% | 16.97% | ◆ 50.27% | 30.97% | |
| Net Income CAGR 3Y | -1.37% | ◆ 18.23% | 16.78% | — | 17.51% -108% | |
| Revenue YoY (latest Q) | — | 0.04% | 6.86% | ◆ 40.08% | 6.86% | |
| Net Income YoY (latest Q) | — | 19.26% | 12.62% | ◆ 92.45% | 19.26% | |
| Profitability | ||||||
| EBITDA Margin | ◆ 26.70% | — | -20.62% | 7.50% | -6.56% +507% | |
| NIM (banks) | — | 3.32% | ◆ 3.64% | — | 3.48% | |
| Net Income Margin | 10.89% | 15.34% | ◆ 27.77% | 9.86% | 15.34% -29% | |
| Return on Common Equity | — | 13.07% | ◆ 14.28% | 9.16% | 13.07% | |
| Return on Capital Employed | — | — | — | 4.84% | 4.84% | |
| Return on Assets | 3.27% | 1.55% | 1.98% | ◆ 7.70% | 1.98% +65% | |
| Credit & Quality | ||||||
| Total Debt/Equity | — | — | — | 0.00× | 0.00× | |
| Interest Coverage | 1.69× | — | — | ◆ 10.06× | 10.06× -83% | |
| Gross NPA (banks) | — | ◆ 1.15% | 1.41% | — | 1.28% | |
| CAR (banks) | — | ◆ 19.71% | 17.18% | — | 18.45% | |
| Cost/Income (banks) | — | ◆ 58.45% | 62.93% | — | 60.69% | |
| Scale — latest FY | ||||||
| Revenue / Total Income | ₹19,900 Cr | ₹4.95L Cr | ₹1.95L Cr | ₹6,794 Cr | ₹1.95L Cr -90% | |
| Net Income | ₹2,167 Cr | ₹76,026 Cr | ₹54,208 Cr | ₹670 Cr | ₹54,208 Cr -96% | |
| Total Assets | ₹66,328 Cr | ₹49.08L Cr | ₹29.14L Cr | ₹8,707 Cr | ₹29.14L Cr -98% | |
| EPS | ₹22.77 | ₹49.5 | ₹75.89 | ₹14.58 | ₹49.5 -54% | |
| Book Value per Share | — | ₹377.77 | ₹530.04 | ₹158.15 | ₹377.77 | |