SBI CARDS | MAHINDRA & MAHINDRA FINANCIAL SERVICES | SBI CARDS/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
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P/E (TTM) | x | 28.8 | 17.0 | 169.0% | View Chart |
P/BV | x | 7.1 | 1.7 | 406.3% | View Chart |
Dividend Yield | % | 0.3 | 2.3 | 14.9% |
SBI CARDS MAHINDRA & MAHINDRA FINANCIAL SERVICES |
EQUITY SHARE DATA | |||||
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SBI CARDS Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
SBI CARDS/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
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High | Rs | 1,029 | 272 | 378.2% | |
Low | Rs | 656 | 158 | 414.6% | |
Income per share (Unadj.) | Rs | 144.5 | 102.9 | 140.3% | |
Earnings per share (Unadj.) | Rs | 23.9 | 16.8 | 142.1% | |
Cash flow per share (Unadj.) | Rs | 124.7 | 72.1 | 172.8% | |
Dividends per share (Unadj.) | Rs | 2.50 | 6.00 | 41.7% | |
Avg Dividend yield | % | 0.3 | 2.8 | 10.6% | |
Book value per share (Unadj.) | Rs | 103.5 | 150.1 | 68.9% | |
Shares outstanding (eoy) | m | 946.07 | 1,233.60 | 76.7% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 5.8 | 2.1 | 279.1% | |
Avg P/E ratio | x | 35.3 | 12.8 | 275.6% | |
Avg P/CF ratio | x | 34.6 | 12.7 | 273.4% | |
Avg Price/Bookvalue ratio | x | 8.1 | 1.4 | 568.1% | |
Dividend payout | % | 10.5 | 35.7 | 29.3% | |
Avg Mkt Cap | Rs m | 796,997 | 265,378 | 300.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 5,619 | 21,153 | 26.6% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 136,666 | 126,995 | 107.6% | |
Other income | Rs m | 6,190 | 15,570 | 39.8% | |
Interest expense | Rs m | 22,840 | 50,943 | 44.8% | |
Net interest income | Rs m | 113,826 | 76,052 | 149.7% | |
Operating expense | Rs m | 88,073 | 61,198 | 143.9% | |
Gross profit | Rs m | 25,754 | 14,854 | 173.4% | |
Gross profit margin | % | 18.8 | 11.7 | 161.1% | |
Provisions/contingencies | Rs m | 449 | 248 | 180.7% | |
Profit before tax | Rs m | 30,306 | 28,038 | 108.1% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 12 | 0.0% | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 7,721 | 7,326 | 105.4% | |
Profit after tax | Rs m | 22,585 | 20,724 | 109.0% | |
Net profit margin | % | 16.5 | 16.3 | 101.3% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 0 | 34,811 | 0.0% | |
Deposits | Rs m | 0 | 54,587 | 0.0% | |
Credit/Deposit ratio | x | 0 | 63.8 | - | |
Yield on advances | % | 0 | 0 | - | |
Cost of deposits | % | 0 | 9.8 | - | |
Net Interest Margin | % | 524.4 | 50.1 | 1,046.6% | |
Net fixed assets | Rs m | 5,510 | 8,706 | 63.3% | |
Share capital | Rs m | 9,461 | 2,467 | 383.5% | |
Free reserves | Rs m | 88,439 | 182,732 | 48.4% | |
Net worth | Rs m | 97,899 | 185,199 | 52.9% | |
Borrowings | Rs m | 231,429 | 50,384 | 459.3% | |
Investments | Rs m | 21,705 | 116,974 | 18.6% | |
Total assets | Rs m | 452,989 | 1,043,390 | 43.4% | |
Debt/equity ratio | x | 2.4 | 0.6 | 417.1% | |
Return on assets | % | 5.0 | 2.0 | 251.0% | |
Return on equity | % | 23.1 | 11.2 | 206.2% | |
Capital adequacy ratio | % | 23.1 | 22.5 | 102.5% | |
Net NPAs | % | 0.9 | 1.9 | 46.5% |
CASH FLOW | |||||
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From Operations | Rs m | -66,705 | -173,953 | 38.3% | |
From Investments | Rs m | -9,214 | -16,354 | 56.3% | |
From Financial Activity | Rs m | 78,236 | 188,520 | 41.5% | |
Net Cashflow | Rs m | 2,316 | -1,787 | -129.7% |
Indian Promoters | % | 68.6 | 52.2 | 131.6% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 25.3 | 40.6 | 62.3% | |
FIIs | % | 8.6 | 12.0 | 71.9% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 31.4 | 47.8 | 65.6% | |
Shareholders | 1,036,632 | 227,512 | 455.6% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare SBI CARDS With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST AAVAS FINANCIERS INDIABULLS HOU. FIN.
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | SBI CARDS | M&M Financial |
---|---|---|
1-Day | 0.56% | -0.17% |
1-Month | 5.73% | -9.03% |
1-Year | -6.84% | -2.01% |
3-Year CAGR | -9.53% | 17.16% |
5-Year CAGR | 1.28% | 1.32% |
* Compound Annual Growth Rate
Here are more details on the SBI CARDS share price and the M&M Financial share price.
Moving on to shareholding structures...
The promoters of SBI CARDS hold a 68.6% stake in the company. In case of M&M Financial the stake stands at 52.2%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of SBI CARDS and the shareholding pattern of M&M Financial.
Finally, a word on dividends...
In the most recent financial year, SBI CARDS paid a dividend of Rs 2.5 per share. This amounted to a Dividend Payout ratio of 10.5%.
M&M Financial paid Rs 6.0, and its dividend payout ratio stood at 35.7%.
You may visit here to review the dividend history of SBI CARDS, and the dividend history of M&M Financial.
For a sector overview, read our finance sector report.
After opening the day on positive note, Indian share markets reversed the trend as the session progressed and ended lower.