SBICARD vs UGROCAP: Stock Comparison
SBI CARDS & PAY SER is the larger company by market capitalisation. SBI CARDS & PAY SER shows a higher ROE, a higher dividend yield and a higher net margin, while UGRO CAPITAL shows a lower P/E, faster revenue growth 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
SBICARD leads 5; UGROCAP leads 7 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 | UGROCAP |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Non Banking Financial Company (NBFC) | Non Banking Financial Company (NBFC) |
Price
| Metric | SBICARD | UGROCAP |
|---|---|---|
| Live Price | ₹655.2 | ₹83.66 |
| Day Change | -1.67% | 0.59% |
| Volume | 15.72 L | 2.44 L |
| 52-Week High | ₹965 | ₹192.5 |
| 52-Week Low | ₹565.45 | ₹80.12 |
| Distance from 52W High | -32.1% | -56.54% |
Valuation
| Metric | SBICARD | UGROCAP |
|---|---|---|
| Market Cap | ₹62,431 Cr | ₹1,310 Cr |
| P/E Ratio | 27.44x | 7.8x |
| P/B Ratio | 3.97x | 0.45x |
| EPS | ₹6.98 | ₹4.37 |
| Book Value | ₹165.25 | ₹187.14 |
| Dividend Yield | 0.38% | 0% |
Growth
| Metric | SBICARD | UGROCAP |
|---|---|---|
| Revenue Growth (TTM YoY) | 18.6% | 56% |
| EPS Growth (TTM YoY) | 13.9% | -17.5% |
| Qtr Sales Growth | -74.67% | 19.06% |
| Qtr Profit Growth | -69.33% | 11.78% |
Profitability & Leverage
Debt-to-equity is shown for reference only — it is not a like-for-like metric for banks and financials.| Metric | SBICARD | UGROCAP |
|---|---|---|
| ROE | 13.78% | 6.02% |
| ROCE | 8.69% | 9.96% |
| Net Margin | 13.96% | 11.86% |
| Operating Margin | 30.07% | 61.84% |
| Debt to Equity | 2.39x | 2.44x |
Shareholding
As of Jun 2026 • change vs previous quarter| Metric | SBICARD | UGROCAP |
|---|---|---|
| Promoter Holding | 68.86%▼ 0.06 pp | 2.88%▲ 0.89 pp |
| FII Holding | 8.99%▼ 0.55 pp | 5.45%▼ 16.88 pp |
| DII Holding | 18.13%▲ 0.01 pp | 1.85%▲ 0.17 pp |
| Public Holding | 4.03%▲ 0.61 pp | 88.23%▲ 15.83 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 UGRO CAPITAL.
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.