TickerKhojComparison · NSE · data 2026-11-02
L&T Finance Ltd vs SBI Cards & Payment Services Ltd
In plain words
Size: L&T Finance Ltd is about 1.2 times the market value of SBI Cards & Payment Services Ltd.
Return on equity: SBI Cards & Payment Services Ltd 14.7% vs L&T Finance Ltd 11.1%.
Profit growth over 3 years: L&T Finance Ltd 22.5% a year vs SBI Cards & Payment Services Ltd -1.4% a year.
Debt to equity: L&T Finance Ltd 3.94 vs SBI Cards & Payment Services Ltd 2.81.
Differences in the numbers, not a recommendation of either stock.
Side by side
| LTF | SBICARD | |
|---|---|---|
| Price | ₹247.02 | ₹533.8 |
| Market cap | ₹61,282 cr | ₹50,104 cr |
| P/E | 18.1 | 19.5 |
| P/B | 2.1 | 3 |
| ROE | 11.1% | 14.7% |
| ROCE | — | — |
| Debt / equity | 3.94 | 2.81 |
| Operating margin | 36.2% | 36.1% |
| Dividend yield | 1.12% | 0.47% |
| Sales growth, 3 years (yearly) | 10.3% | 13.3% |
| Profit growth, 3 years (yearly) | 22.5% | -1.4% |
| 1-year return | -8.4% | -39.9% |
| Revenue, last 12 months | ₹19,330 cr | ₹21,047 cr |
| Net profit, last 12 months | ₹3,423 cr | ₹2,608 cr |
| Latest quarter | Sept 2026 | Sept 2026 |
| Quarter net profit | ₹975 cr | ₹778 cr |
| Quarter profit vs a year earlier | +32.7% | +74.8% |
| Promoter holding | 65.93% | 68.86% |
| Health check | Average (4.8/10) | Weak (3.8/10) |
Common questions
Which has a higher P/E, L&T Finance Ltd or SBI Cards & Payment Services Ltd?
SBI Cards & Payment Services Ltd trades at the higher P/E (19.5 against 18.1). 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 11.1%).
Which carries more debt?
L&T Finance Ltd has the higher debt-to-equity ratio (3.94 against 2.81).