SBICARD vs SHRIRAMFIN: Stock Comparison
SHRIRAM FINANCE is the larger company by market capitalisation. SHRIRAM FINANCE shows a lower P/E, a higher ROE and a higher dividend yield. 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
SBICARD leads 2; SHRIRAMFIN leads 10 of 12
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Valuation lens
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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 | SBICARD | SHRIRAMFIN |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Non Banking Financial Company (NBFC) | Non Banking Financial Company (NBFC) |
Price
| Metric | SBICARD | SHRIRAMFIN |
|---|---|---|
| Live Price | ₹540 | ₹841.1 |
| Day Change | 2.36% | 1.03% |
| Volume | 7.76 L | 49.45 L |
| 52-Week High | ₹915 | ₹1,153.7 |
| 52-Week Low | ₹519.05 | ₹717.4 |
| Distance from 52W High | -40.98% | -27.1% |
Valuation
| Metric | SBICARD | SHRIRAMFIN |
|---|---|---|
| Market Cap | ₹51,389 Cr | ₹1.98 L Cr |
| P/E Ratio | 19.7x | 14.06x |
| P/B Ratio | 2.99x | 1.42x |
| EPS | ₹8.17 | ₹15.66 |
| Book Value | ₹165.25 | ₹280.14 |
| Dividend Yield | 0.47% | 1.3% |
Growth
| Metric | SBICARD | SHRIRAMFIN |
|---|---|---|
| Revenue Growth (TTM YoY) | 18.6% | 24.7% |
| EPS Growth (TTM YoY) | 13.9% | 0% |
| Qtr Sales Growth | 1.98% | 2.93% |
| Qtr Profit Growth | 17.03% | 6.69% |
Profitability & Leverage
Debt-to-equity is shown for reference only — it is not a like-for-like metric for banks and financials.| Metric | SBICARD | SHRIRAMFIN |
|---|---|---|
| ROE | 13.78% | 15.22% |
| ROCE | 8.69% | 14.42% |
| Net Margin | 13.96% | 38.03% |
| Operating Margin | 30.07% | 72.35% |
| Debt to Equity | 2.39x | 1.92x |
Shareholding
As of Sep 2026 • change vs previous quarter| Metric | SBICARD | SHRIRAMFIN |
|---|---|---|
| Promoter Holding | 68.86% | 19.97% |
| FII Holding | 7.12%▼ 1.87 pp | 55.65%▲ 0.88 pp |
| DII Holding | 20.2%▲ 2.07 pp | 19.01%▼ 0.89 pp |
| Public Holding | 3.83%▼ 0.2 pp | 5.03%▼ 0.01 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: SBI CARDS & PAY SER and SHRIRAM FINANCE.
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.