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- Indian - finance
- CONS. FIN & HOLD - SBI CARDS
CONS. FIN & HOLD vs SBI CARDS - Comparison Results
Current Valuations
| CONS. FIN & HOLD | SBI CARDS | CONS. FIN & HOLD/ SBI CARDS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 11.4 | 29.2 | 39.0% | View Chart |
| P/BV | x | 0.8 | 5.3 | 15.6% | View Chart |
| Dividend Yield | % | 0.0 | 0.4 | - |
Financials
 CONS. FIN & HOLD  SBI CARDS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CONS. FIN & HOLD Mar-24 |
SBI CARDS Mar-24 |
CONS. FIN & HOLD/ SBI CARDS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 154 | 932 | 16.5% | |
| Low | Rs | 98 | 679 | 14.4% | |
| Income per share (Unadj.) | Rs | 14.8 | 178.4 | 8.3% | |
| Earnings per share (Unadj.) | Rs | 14.4 | 25.3 | 56.8% | |
| Cash flow per share (Unadj.) | Rs | 14.2 | 146.5 | 9.7% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.50 | 0.0% | |
| Avg Dividend yield | % | 0 | 0.3 | 0.0% | |
| Book value per share (Unadj.) | Rs | 250.0 | 126.9 | 196.9% | |
| Shares outstanding (eoy) | m | 32.33 | 950.97 | 3.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 8.5 | 4.5 | 187.8% | |
| Avg P/E ratio | x | 8.8 | 31.8 | 27.5% | |
| Avg P/CF ratio | x | 7.8 | 31.2 | 24.9% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 6.3 | 7.9% | |
| Dividend payout | % | 0 | 9.9 | 0.0% | |
| Avg Mkt Cap | Rs m | 4,066 | 766,076 | 0.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 2 | 5,697 | 0.0% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 480 | 169,684 | 0.3% | |
| Other income | Rs m | 37 | 5,151 | 0.7% | |
| Interest expense | Rs m | 0 | 33,126 | 0.0% | |
| Net interest income | Rs m | 479 | 136,558 | 0.4% | |
| Operating expense | Rs m | 7 | 107,423 | 0.0% | |
| Gross profit | Rs m | 472 | 29,135 | 1.6% | |
| Gross profit margin | % | 98.4 | 17.2 | 573.0% | |
| Provisions/contingencies | Rs m | 58 | 441 | 13.0% | |
| Profit before tax | Rs m | 509 | 32,318 | 1.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 44 | 8,239 | 0.5% | |
| Profit after tax | Rs m | 465 | 24,079 | 1.9% | |
| Net profit margin | % | 96.9 | 14.2 | 682.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 0 | - | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 5.2 | 385.6 | 1.3% | |
| Net fixed assets | Rs m | 8 | 5,421 | 0.1% | |
| Share capital | Rs m | 323 | 9,510 | 3.4% | |
| Free reserves | Rs m | 7,758 | 111,203 | 7.0% | |
| Net worth | Rs m | 8,082 | 120,712 | 6.7% | |
| Borrowings | Rs m | 0 | 319,932 | 0.0% | |
| Investments | Rs m | 9,243 | 35,411 | 26.1% | |
| Total assets | Rs m | 9,267 | 578,166 | 1.6% | |
| Debt/equity ratio | x | 0 | 2.7 | 0.0% | |
| Return on assets | % | 5.0 | 4.2 | 120.4% | |
| Return on equity | % | 5.7 | 19.9 | 28.8% | |
| Capital adequacy ratio | % | 69.8 | 20.5 | 340.2% | |
| Net NPAs | % | 0 | 1.0 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 164 | -54,515 | -0.3% | |
| From Investments | Rs m | -164 | -14,574 | 1.1% | |
| From Financial Activity | Rs m | NA | 84,012 | -0.0% | |
| Net Cashflow | Rs m | 0 | 14,923 | -0.0% | |
Share Holding
| Indian Promoters | % | 74.9 | 68.6 | 109.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 3.6 | 25.9 | 14.0% | |
| FIIs | % | 3.6 | 9.2 | 39.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 25.1 | 31.4 | 80.0% | |
| Shareholders | 20,161 | 948,916 | 2.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CONS. FIN & HOLD With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST AAVAS FINANCIERS MANAPPURAM FINANCE
More on CONS. FIN & HOLD 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:
CONS. FIN & HOLD vs SBI CARDS Share Price Performance
| Period | CONS. FIN & HOLD | SBI CARDS |
|---|---|---|
| 1-Day | 0.00% | 0.41% |
| 1-Month | 0.00% | -3.69% |
| 1-Year | 0.00% | -7.38% |
| 3-Year CAGR | 14.93% | -12.41% |
| 5-Year CAGR | 41.95% | -0.16% |
* Compound Annual Growth Rate
Here are more details on the CONS. FIN & HOLD share price and the SBI CARDS share price.
Moving on to shareholding structures...
The promoters of CONS. FIN & HOLD hold a 74.9% stake in the company. In case of SBI CARDS the stake stands at 68.6%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CONS. FIN & HOLD and the shareholding pattern of SBI CARDS.
Finally, a word on dividends...
In the most recent financial year, CONS. FIN & HOLD 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 9.9%.
You may visit here to review the dividend history of CONS. FIN & HOLD, and the dividend history of SBI CARDS.
For a sector overview, read our finance sector report.
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