TickerKhojComparison · NSE · data 2026-11-03
Bajaj Housing Finance Ltd. vs SBI Cards & Payment Services Ltd
In plain words
Size: Bajaj Housing Finance Ltd. is about 1.3 times the market value of SBI Cards & Payment Services Ltd.
Valuation (P/E): Bajaj Housing Finance Ltd. 23.2 vs SBI Cards & Payment Services Ltd 19.6.
Return on equity: SBI Cards & Payment Services Ltd 14.7% vs Bajaj Housing Finance Ltd. 12.1%.
Profit growth over 3 years: Bajaj Housing Finance Ltd. 26.7% a year vs SBI Cards & Payment Services Ltd -1.4% a year.
Debt to equity: Bajaj Housing Finance Ltd. 4.6 vs SBI Cards & Payment Services Ltd 2.81.
Differences in the numbers, not a recommendation of either stock.
Side by side
19 metrics shown
| BAJAJHFL | SBICARD | |
|---|---|---|
| Price | ₹78.19 | ₹537.05 |
| Market cap | ₹65,126 cr | ₹50,761 cr |
| P/E | 23.2 | 19.6 |
| P/B | 2.7 | 3 |
| ROE | 12.1% | 14.7% |
| ROCE | — | — |
| Debt / equity | 4.6 | 2.81 |
| Operating margin | 31.5% | 36.1% |
| Dividend yield | 0.00% | 0.47% |
| Sales growth, 3 years (yearly) | 25.4% | 13.3% |
| Profit growth, 3 years (yearly) | 26.7% | -1.4% |
| 1-year return | -29.1% | -39.0% |
| Revenue, last 12 months | ₹12,103 cr | ₹21,047 cr |
| Net profit, last 12 months | ₹2,806 cr | ₹2,608 cr |
| Latest quarter | Sept 2026 | Sept 2026 |
| Quarter net profit | ₹757 cr | ₹778 cr |
| Quarter profit vs a year earlier | +17.7% | +74.8% |
| Promoter holding | 86.70% | 68.86% |
| Health check | Average (4.1/10) | Weak (3.8/10) |
Common questions
Which has a higher P/E, Bajaj Housing Finance Ltd. or SBI Cards & Payment Services Ltd?
Bajaj Housing Finance Ltd. trades at the higher P/E (23.2 against 19.6). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
SBI Cards & Payment Services Ltd (14.7% against 12.1%).
Which carries more debt?
Bajaj Housing Finance Ltd. has the higher debt-to-equity ratio (4.6 against 2.81).