SBI Cards [SBICARD] vs Indian Railway [IRFC] Detailed Stock Comparison

SBI Cards

NSE
Loading...

Indian Railway

NSE
Loading...

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: SBI Cards wins in 9 metrics, Indian Railway wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

MetricSBI CardsIndian RailwayBetter
P/E Ratio (TTM)45.7924.63Indian Railway
Price-to-Book Ratio6.233.02Indian Railway
Debt-to-Equity Ratio326.13748.58SBI Cards
PEG Ratio-6.982.29SBI Cards
EV/EBITDAN/A39.37N/A
Profit Margin (TTM)18.33%97.62%Indian Railway
Operating Margin (TTM)27.59%97.65%Indian Railway
EBITDA Margin (TTM)27.59%97.65%Indian Railway
Return on Equity13.91%12.68%SBI Cards
Return on Assets (TTM)2.92%1.39%SBI Cards
Free Cash Flow (TTM)$-21.96B$82.29BIndian Railway
Dividend Yield0.26%1.69%Indian Railway
1-Year Return23.01%-17.82%SBI Cards
Price-to-Sales Ratio (TTM)8.4024.07SBI Cards
Enterprise Value$1,270.90B$5,708.65BIndian Railway
EV/Revenue Ratio12.4183.54SBI Cards
Gross Profit Margin (TTM)N/A25.69%N/A
Revenue per Share (TTM)$108$5SBI Cards
Earnings per Share (Diluted)$19.71$5.11SBI Cards
Beta (Stock Volatility)0.310.30Indian Railway
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

SBI Cards vs Indian Railway Stock Performance Analysis

Loading Price Chart...

SBI Cards
Indian Railway
SBI Cards Stock Overview | Indian Railway Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SBI Cards1.18%4.55%12.28%-0.70%11.15%33.17%
Indian Railway-0.48%0.79%0.54%-9.60%2.30%-16.70%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SBI Cards23.01%6.58%2.61%24.58%24.58%24.58%
Indian Railway-17.82%485.23%405.00%405.00%405.00%405.00%

News Based Sentiment: SBI Cards vs Indian Railway

SBI Cards

News based Sentiment: NEUTRAL

The month's events indicate a period of moderate change for SBI Card, with stable share performance offset by adjustments to fees and shifts in investor holdings. While the ESG disclosure is positive, the overall narrative is one of incremental adjustments rather than transformative developments.

View SBI Cards News Sentiment Analysis

Indian Railway

News based Sentiment: MIXED

IRFC is demonstrating strong business development through significant loan agreements in the power sector, but this is offset by a concerning 16% decline in share price during 2025. The upcoming earnings release will be crucial in determining whether the company can overcome these challenges and deliver value to investors.

View Indian Railway News Sentiment Analysis

Performance & Financial Health Analysis: SBI Cards vs Indian Railway

MetricSBICARDIRFC
Market Information
Market Cap i₹860.36B₹1.64T
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i889,7186,482,655
90 Day Avg. Volume i1,016,3947,978,584
Last Close₹902.60₹125.24
52 Week Range₹659.80 - ₹1,027.25₹108.04 - ₹166.90
% from 52W High-12.13%-24.96%
All-Time High₹1,165.00 (Aug 30, 2021)₹229.00 (Jul 15, 2024)
% from All-Time High-22.52%-45.31%
Growth Metrics
Quarterly Revenue Growth0.09%0.11%
Quarterly Earnings Growth-0.07%0.11%
Financial Health
Profit Margin (TTM) i0.18%0.98%
Operating Margin (TTM) i0.28%0.98%
Return on Equity (TTM) i0.14%0.13%
Debt to Equity (MRQ) i326.13748.58
Cash & Liquidity
Book Value per Share (MRQ)₹145.00₹41.65
Cash per Share (MRQ)₹28.78₹0.77
Operating Cash Flow (TTM) i₹137.26B₹50.56B
Levered Free Cash Flow (TTM) i₹19.16B₹65.02B
Dividends
Last 12-Month Dividend Yield i0.26%1.69%
Last 12-Month Dividend i₹2.50₹2.30

Valuation & Enterprise Metrics Analysis: SBI Cards vs Indian Railway

MetricSBICARDIRFC
Price Ratios
P/E Ratio (TTM) i45.7924.63
Forward P/E i27.5724.68
PEG Ratio i-6.982.29
Price to Sales (TTM) i8.4024.07
Price to Book (MRQ) i6.233.02
Market Capitalization
Market Capitalization i₹860.36B₹1.64T
Enterprise Value i₹1.27T₹5.71T
Enterprise Value Metrics
Enterprise to Revenue i12.4183.54
Enterprise to EBITDA iN/A39.37
Risk & Other Metrics
Beta i0.310.30
Book Value per Share (MRQ) i₹145.00₹41.65

Financial Statements Comparison: SBI Cards vs Indian Railway

Financial Metrics

Loading Financial Charts...

Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)SBICARDIRFC
Revenue/Sales i₹40.35B₹69.01B
Cost of Goods Sold iN/A₹51.28B
Gross Profit iN/A₹17.73B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A₹17.43B
EBITDA iN/A₹17.44B
Pre-Tax Income i₹7.48B₹17.46B
Income Tax i₹1.92B₹0
Net Income (Profit) i₹5.56B₹17.46B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)SBICARDIRFC
Cash & Equivalents i₹25.60B₹1.72B
Total Current Assets iN/A₹2.87T
Total Current Liabilities iN/A₹83.30M
Long-Term Debt i₹451.71B₹4.05T
Total Shareholders Equity i₹137.82B₹544.24B
Retained Earnings i₹90.22BN/A
Property, Plant & Equipment i₹2.27B₹128.00M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)SBICARDIRFC
Operating Cash Flow iN/A₹14.22B
Capital Expenditures iN/A₹-2.40M
Free Cash Flow iN/A₹14.67B
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSBICARDIRFC
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Average Daily Volume (10 Day) i889,7186,482,655
Average Daily Volume (90 Day) i1,016,3947,978,584
Shares Outstanding i951.36M13.07B
Float Shares i298.90M1.78B
% Held by Insiders i0.69%0.86%
% Held by Institutions i0.22%0.02%

Dividend Analysis & Yield Comparison: SBI Cards vs Indian Railway

MetricSBICARDIRFC
Last 12-Month Dividend i₹2.50₹2.30
Last 12-Month Dividend Yield i0.26%1.69%
3-Year Avg Annual Dividend i₹2.50₹1.74
3-Year Avg Dividend Yield i0.34%1.33%
3-Year Total Dividends i₹7.50₹5.23
Ex-Dividend DateFeb 25, 2025Mar 21, 2025