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INTER ST.FIN vs SBI CARDS - Comparison Results

Rs 100 invested in...

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Current Valuations

    INTER ST.FIN SBI CARDS INTER ST.FIN/
SBI CARDS
 
P/E (TTM) x -1,092.5 27.7 - View Chart
P/BV x 1.2 6.6 18.6% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 INTER ST.FIN   SBI CARDS
EQUITY SHARE DATA
    INTER ST.FIN
Mar-23
SBI CARDS
Mar-23
INTER ST.FIN/
SBI CARDS
5-Yr Chart
Click to enlarge
High Rs321,029 3.1%   
Low Rs2656 0.3%   
Income per share (Unadj.) Rs0.2144.5 0.1%  
Earnings per share (Unadj.) Rs023.9 0.0%  
Cash flow per share (Unadj.) Rs0.2124.7 0.1%  
Dividends per share (Unadj.) Rs02.50 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs1.5103.5 1.4%  
Shares outstanding (eoy) m95.00946.07 10.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x95.35.8 1,634.4%   
Avg P/E ratio x21,804.135.3 61,786.9%  
Avg P/CF ratio x1,531.034.6 4,424.8%  
Avg Price/Bookvalue ratio x11.28.1 137.1%  
Dividend payout %010.5 0.0%   
Avg Mkt Cap Rs m1,581796,997 0.2%   
No. of employees `000NANA-   
Total wages & salary Rs m35,619 0.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m17136,666 0.0%  
Other income Rs m16,190 0.0%   
Interest expense Rs m022,840 0.0%   
Net interest income Rs m16113,826 0.0%  
Operating expense Rs m1788,073 0.0%   
Gross profit Rs m-125,754 -0.0%  
Gross profit margin %-4.818.8 -25.2%  
Provisions/contingencies Rs m1449 0.2%   
Profit before tax Rs m030,306 0.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m07,721 0.0%   
Profit after tax Rs m022,585 0.0%  
Net profit margin %0.416.5 2.6%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %40,715.0524.4 7,763.8%  
Net fixed assets Rs m05,510 0.0%   
Share capital Rs m959,461 1.0%   
Free reserves Rs m4788,439 0.1%   
Net worth Rs m14297,899 0.1%   
Borrowings Rs m18231,429 0.0%   
Investments Rs m021,705 0.0%   
Total assets Rs m160452,989 0.0%  
Debt/equity ratio x0.12.4 5.5%   
Return on assets %05.0 0.9%  
Return on equity %0.123.1 0.2%  
Capital adequacy ratio %023.1 0.0%  
Net NPAs %00.9 0.0%  
CASH FLOW
From Operations Rs m-12-66,705 0.0%  
From Investments Rs mNA-9,214 -0.0%  
From Financial Activity Rs m878,236 0.0%  
Net Cashflow Rs m-42,316 -0.2%  

Share Holding

Indian Promoters % 0.1 68.8 0.2%  
Foreign collaborators % 0.5 0.0 -  
Indian inst/Mut Fund % 0.0 25.6 -  
FIIs % 0.0 9.4 -  
ADR/GDR % 0.0 0.0 -  
Free float % 99.4 31.3 318.0%  
Shareholders   39,985 1,028,673 3.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INTER ST.FIN With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    INDIABULLS HOU. FIN.    EDELWEISS FINANCIAL    


More on INTER ST.FIN vs SBI CARDS

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

INTER ST.FIN vs SBI CARDS Share Price Performance

Period INTER ST.FIN SBI CARDS
1-Day -3.66% -1.46%
1-Month -19.30% -6.41%
1-Year -1.60% -3.98%
3-Year CAGR 23.37% -10.16%
5-Year CAGR 38.58% -0.02%

* Compound Annual Growth Rate

Here are more details on the INTER ST.FIN share price and the SBI CARDS share price.

Moving on to shareholding structures...

The promoters of INTER ST.FIN hold a 0.6% stake in the company. In case of SBI CARDS the stake stands at 68.8%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of INTER ST.FIN and the shareholding pattern of SBI CARDS.

Finally, a word on dividends...

In the most recent financial year, INTER ST.FIN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

SBI CARDS paid Rs 2.5, and its dividend payout ratio stood at 10.5%.

You may visit here to review the dividend history of INTER ST.FIN, and the dividend history of SBI CARDS.

For a sector overview, read our finance sector report.



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