BAIDFIN vs SBICARD: Stock Comparison
SBI CARDS & PAY SER is the larger company by market capitalisation. BAID FINSERV shows a lower P/E, a higher dividend yield and faster revenue growth, while SBI CARDS & PAY SER shows a higher ROE and a higher ROCE. These are relative readings on individual metrics — weigh valuation against growth, margins, leverage and capital efficiency rather than treating any single number as decisive.
Metric snapshot
BAIDFIN leads 7; SBICARD leads 5 of 12
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✓ marks the usual favourable reading; it is not a recommendation.
Key Differences
Each difference is a single, relative reading — StockeZee does not name an overall winner.
Profile
| Metric | BAIDFIN | SBICARD |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Non Banking Financial Company (NBFC) | Non Banking Financial Company (NBFC) |
Price
| Metric | BAIDFIN | SBICARD |
|---|---|---|
| Live Price | ₹9.9 | ₹536.05 |
| Day Change | 0.1% | -0.73% |
| Volume | 193 | 75,146 |
| 52-Week High | ₹12.98 | ₹915 |
| 52-Week Low | ₹8.8 | ₹519.05 |
| Distance from 52W High | -23.73% | -41.42% |
Valuation
| Metric | BAIDFIN | SBICARD |
|---|---|---|
| Market Cap | ₹160 Cr | ₹51,389 Cr |
| P/E Ratio | 9.78x | 19.7x |
| P/B Ratio | 0.87x | 2.99x |
| EPS | ₹1.08 | ₹8.17 |
| Book Value | ₹15.03 | ₹165.25 |
| Dividend Yield | 1.02% | 0.46% |
Growth
| Metric | BAIDFIN | SBICARD |
|---|---|---|
| Revenue Growth (TTM YoY) | 59.7% | 18.6% |
| EPS Growth (TTM YoY) | 28.2% | 13.9% |
| Qtr Sales Growth | 0% | 1.98% |
| Qtr Profit Growth | 0% | 17.03% |
Profitability & Leverage
Debt-to-equity is shown for reference only — it is not a like-for-like metric for banks and financials.| Metric | BAIDFIN | SBICARD |
|---|---|---|
| ROE | 6.43% | 13.78% |
| ROCE | 7.79% | 8.72% |
| Net Margin | 15.4% | 13.96% |
| Operating Margin | 53.5% | 30.07% |
| Debt to Equity | 1.23x | 2.39x |
Shareholding
As of Sep 2026 • change vs previous quarter| Metric | BAIDFIN | SBICARD |
|---|---|---|
| Promoter Holding | 49.73%▲ 2.34 pp | 68.86% |
| FII Holding | 0.18%▼ 0.01 pp | 7.12%▼ 1.87 pp |
| DII Holding | — | 20.2%▲ 2.07 pp |
| Public Holding | 50.09%▼ 2.33 pp | 3.83%▼ 0.2 pp |
How to Read This Comparison
Valuation ratios (P/E, P/B) use the latest consolidated figures where available; growth numbers compare against the same period last year; shareholding percentages come from the most recent quarterly filings, with the change shown against the prior quarter. A "more favourable" highlight is relative between these two companies only — it is not a rating, a recommendation, or a comparison against the wider sector. Rows with no reported data for either company are hidden rather than shown empty.
Deep-dive each company on its stock page for quarterly results, technicals, filings and the full peer set: BAID FINSERV and SBI CARDS & PAY SER.
Related Comparisons
Data source: NSE and company filings via StockeZee. This comparison is informational — it is not investment advice, and StockeZee is not a SEBI-registered investment adviser.