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

Financial

	SBI Cards AndPayment	L&T Finance	Sundaram Finance
Operational Metrics
Banks
Net Interest Margin	11.0 %	8.58 %	4.8 %
Gross NPA	2.86 %	n/a	n/a
Interest Income Yield - Credit Cards	16.3 %	n/a	n/a
Cards In Force	21800.0 Thousands	n/a	n/a
30 Day Spend Active Rate	53.0 %	n/a	n/a
Receivable Per Card	26233.0 Rs	n/a	n/a
Online Spend as a % of Total Spend	62.21 %	n/a	n/a
Cost To Income Ratio	56.8 %	40.0 %	28.72 %
Capital to Risks Assets Ratio (CRAR)	24.4 %	19.1 %	19.1 %
NBFC
Cost of Borrowing	6.5 %	7.25 %	6.3 %
Net NPA	1.28 %	0.92 %	1.06 %
Unclassified
Tier 2 Capital	5.3 %	n/a	n/a
Tier I Capital	19.1 %	18.43 %	16.8 %
Financials
5 yr Average ROE	18.66 %	7.66 %	13.8 %
5yr average Equity Multiplier	4.55	4.96	5.72
5yr Average Asset Turnover Ratio	0.31	0.12	0.11
5yr Avg Net Profit Margin	13.41 %	12.53 %	22.27 %
5yr Avg Net Profit Margin	13.41 %	12.53 %	22.27 %
5yr CAGR Net Profit	14.25 %	22.18 %	10.04 %
5yr CAGR Sales	13.92 %	2.37 %	9.88 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.74	2.64	3.93
P/E	33.5	24.72	28.88
Shareholdings
Promoter Holding	68.58 %	66.03 %	37.21 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.47 %	-0.12 %	-1.28 %
Change in Mutual Fund Holding (3 Yrs)	-1.36 %	10.19 %	-7.89 %

Business

	SBI Cards AndPayment	L&T Finance	Sundaram Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 49.0 Spend based 27.0 Instance based & other 17.0 Subscription 6.0 Lease Rental 0 Dividend 0 Fees and Commission Income 0 Others 1.0	-	Product Wise Break-Up Instance based & other 0 Spend based 0 Interest Income 84.64 Dividend 0.3 Lease Rental 2.36 Fees and Commission 3.82 Subscription 0 Others 8.88
Location Wise Break-Up	Location Wise Break-Up Tier I 35.0 Tier Iii 26.0 Tier Ii 21.0 India 0 East India 0 West India 0 North India 0 South India 0 Others 18.0	Location Wise Break-Up West India 0 Tier I 0 East India 0 Tier Ii 0 India 0 South India 0 North India 0 Tier Iii 0 Others 100	Location Wise Break-Up West India 10.6 Tier I 0 East India 4.1 Tier Ii 0 India 0 South India 46.1 North India 23.4 Tier Iii 0 Others 15.8
Customer Segment	Customer Segment Salaried 51.0 Self-Employed 49.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 63.0 Term Loans 23.0 Debenture 14.0 Commercial Papers 0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0	Borrowings Break-Up WC Loans 0 Loan From Banks 0 Securitisation Deposits 0 Commercial Papers 0 ECB 8.0 Term Loans 0 Debenture 0 NCD 26.0 NHB 0 Bank Borrowing 0 Comercial paper 0 Bank Loan 49.0 Commercial Papers 8.0 NCD 1.0 Others 8.0	Borrowings Break-Up WC Loans 0 Loan From Banks 0 Securitisation 13.4 Commercial Papers 0 ECB 0 Term Loans 0 Debenture 32.1 NCD (ex retail) 0 NHB 0 Bank Borrowing 30.9 Comercial paper 11.0 Bank loan 0 Commercial Paper 0 NCD (retail) 0 Others 12.6
Recievable Mix	Recievable Mix Transactor 44.0 Loan From Banks 34.0 Revolver 22.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

Financial

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