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

Financial

	SBI Cards AndPayment	Sundaram Finance	L&T Finance
Operational Metrics
Banks
Net Interest Margin	11.1 %	4.8 %	8.78 %
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 %	40.0 %
Capital to Risks Assets Ratio (CRAR)	25.5 %	19.1 %	18.34 %
NBFC
Cost of Borrowing	6.4 %	6.3 %	7.17 %
Net NPA	1.04 %	1.06 %	0.96 %
Unclassified
Tier 2 Capital	5.5 %	n/a	n/a
Tier I Capital	20.0 %	16.8 %	17.6 %
Financials
5 yr Average ROE	18.66 %	13.8 %	8.76 %
5yr average Equity Multiplier	4.55	5.72	4.82
5yr Average Asset Turnover Ratio	0.31	0.11	0.12
5yr Avg Net Profit Margin	13.41 %	22.27 %	14.4 %
5yr Avg Net Profit Margin	13.41 %	22.27 %	14.4 %
5yr CAGR Net Profit	14.25 %	10.04 %	22.74 %
5yr CAGR Sales	13.92 %	9.88 %	4.4 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.78	3.38	2.51
P/E	27.46	24.84	23.58
Shareholdings
Promoter Holding	68.92 %	37.21 %	65.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-1.28 %	-0.12 %
Change in Mutual Fund Holding (3 Yrs)	-1.51 %	-7.68 %	9.32 %

Business

	SBI Cards AndPayment	Sundaram Finance	L&T 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 Dividend 0 Interest Income 84.42 Lease Rental 2.36 Spend based 0 Fees and Commission 3.84 Subscription 0 Instance based & other 0 Others 9.38	-
Location Wise Break-Up	Location Wise Break-Up Tier I 35.0 Tier Iii 26.0 Tier Ii 21.0 East India 0 West India 0 North India 0 South India 0 India 0 Others 18.0	Location Wise Break-Up Tier I 0 Tier Ii 0 India 0 East India 4.1 North India 24.8 South India 45.2 West India 10.9 Tier Iii 0 Others 15.0	Location Wise Break-Up Tier I 0 Tier Ii 0 India 0 East India 0 North India 0 South India 0 West India 0 Tier Iii 0 Others 100
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 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0	Borrowings Break-Up Commercial Papers 0 Debenture 34.4 Loan From Banks 0 NHB 0 Commercial Paper 0 NCD (ex retail) 0 Bank loan 0 NCD (retail) 0 Bank Borrowing 34.2 ECB 0 WC Loans 0 Term Loans 0 Comercial paper 7.9 Securitisation 11.2 Others 12.3	Borrowings Break-Up Commercial Papers 0 Debenture 0 Loan From Banks 0 NHB 0 Commercial Papers 7.0 NCD 21.0 Bank Loan 54.0 NCD 1.0 Bank Borrowing 0 ECB 8.0 WC Loans 0 Term Loans 0 Comercial paper 0 Securitisation Deposits 0 Others 9.0
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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