Bajaj Finance vs SBI Card: share price, P/E, ROE and financials compared
Bajaj Finance
SBI Cards and Payment Services
Bajaj Finance and SBI Card at a glance
Bajaj Finance and SBI Card are both listed in Financial Services. Bajaj Finance is the larger by market cap, at ₹6.8L Cr against ₹55,671 Cr for SBI Card (12.2 times as large). On valuation, SBI Card has the lower P/E (21.4× against 31.3×) and the lower price-to-book (3.24× against 5.49×). On returns and margins, Bajaj Finance has the higher ROE (19.0% against 16.3%). Over three years, Bajaj Finance has faster 3-year profit growth (+18.2% against −1.4% a year). Both are lenders or insurers, so ROCE, operating margin and debt-to-equity aren’t compared: those ratios don’t fit financial balance sheets.
Key metrics, side by side
| Metric | Bajaj FinanceBAJFINANCE | SBI CardSBICARD |
|---|---|---|
| Price (₹) | 1,087.75 | 585.00 |
| Market cap (₹ Cr) | 6,77,005 | 55,671 |
| P/E | 31.3× | 21.4× (the lower figure, shaded) |
| P/B | 5.49× | 3.24× (the lower figure, shaded) |
| Dividend yield, trailing | 0.55% (the higher figure, shaded) | 0.43% |
| ROE | 19.0% (the higher figure, shaded) | 16.3% |
| ROCE | n/m | n/m |
| Operating margin (OPM) | n/m | n/m |
| Net margin (NPM) | 43.8% (the higher figure, shaded) | 19.9% |
| Sales CAGR 3Y | n/m | n/m |
| Profit CAGR 3Y | +18.2% (the higher figure, shaded) | −1.4% |
| Debt to equity | n/m | n/m |
| Interest cover | n/m | n/m |
| Net profit TTM (₹ Cr) | 21,694 | 2,608 |
| 1Y return | +1.2% (the higher figure, shaded) | −33.6% |
| Promoter holding | 54.67% | – |
Bajaj Finance vs SBI Card: common questions
Which is bigger, Bajaj Finance or SBI Card?
By market cap, Bajaj Finance is bigger at ₹6.8L Cr, against ₹55,671 Cr for SBI Card (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹21,694 Cr for Bajaj Finance and ₹2,608 Cr for SBI Card.
Which has a lower P/E ratio, Bajaj Finance or SBI Card?
Bajaj Finance trades at a P/E of 31.3× and SBI Card at 21.4×. SBI Card has the lower P/E. P/E is the share price divided by earnings per share; it varies a lot between industries and with growth, so it says little on its own.
Which has a higher ROE, Bajaj Finance or SBI Card?
Bajaj Finance reports a return on equity of 19.0% and SBI Card 16.3%. Bajaj Finance has the higher ROE. ROE is net profit as a share of shareholders’ equity.
Which is growing faster, Bajaj Finance or SBI Card?
Over the last three years: profit grew +18.2% a year at Bajaj Finance and −1.4% at SBI Card, so Bajaj Finance grew profit faster. Past growth doesn’t predict future growth.