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

SBI Cards and Payment Services Ltd.

NSE

Indian Railway Finance Corporation Ltd.

NSE

TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric	SBI Cards and Payment Services Ltd.	Indian Railway Finance Corporation Ltd.	Better
P/E Ratio (TTM)	30.50	19.72	Indian Railway Finance Corporation Ltd.
Price-to-Book Ratio	4.31	2.44	Indian Railway Finance Corporation Ltd.
Debt-to-Equity Ratio	332.84	744.59	SBI Cards and Payment Services Ltd.
PEG Ratio	0.81	1.62	SBI Cards and Payment Services Ltd.
EV/EBITDA	N/A	38.53	N/A
Profit Margin (TTM)	18.39%	97.32%	Indian Railway Finance Corporation Ltd.
Operating Margin (TTM)	24.01%	97.52%	Indian Railway Finance Corporation Ltd.
EBITDA Margin (TTM)	24.01%	97.52%	Indian Railway Finance Corporation Ltd.
Return on Equity	13.91%	12.90%	SBI Cards and Payment Services Ltd.
Return on Assets (TTM)	2.92%	1.43%	SBI Cards and Payment Services Ltd.
Free Cash Flow (TTM)	$-21.96B	$82.29B	Indian Railway Finance Corporation Ltd.
Dividend Yield	0.35%	2.98%	Indian Railway Finance Corporation Ltd.
1-Year Return	-41.46%	-30.68%	Indian Railway Finance Corporation Ltd.
Price-to-Sales Ratio (TTM)	5.61	19.23	SBI Cards and Payment Services Ltd.
Enterprise Value	$1,096.74B	$5,586.60B	Indian Railway Finance Corporation Ltd.
EV/Revenue Ratio	9.64	77.59	SBI Cards and Payment Services Ltd.
Gross Profit Margin (TTM)	N/A	27.64%	N/A
Revenue per Share (TTM)	$120	$6	SBI Cards and Payment Services Ltd.
Earnings per Share (Diluted)	$21.98	$5.37	SBI Cards and Payment Services Ltd.
Beta (Stock Volatility)	0.31	0.31	SBI Cards and Payment Services Ltd.

SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd. Stock Performance Analysis

Loading Price Chart...

Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
SBI Cards and Payment Services Ltd.	1.94%	4.59%	-4.01%	-13.61%	-30.93%	-30.09%
Indian Railway Finance Corporation Ltd.	1.24%	2.51%	-1.80%	0.66%	-14.28%	-22.82%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
SBI Cards and Payment Services Ltd.	-41.46%	-35.43%	-41.40%	-18.64%	-18.64%	-18.64%
Indian Railway Finance Corporation Ltd.	-30.68%	191.02%	290.59%	286.65%	286.65%	286.65%

Performance & Financial Health Analysis: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Metric	SBICARD	IRFC
Market Information
Market Cap i	₹637.86B	₹1.37T
Market Cap Category	Large cap	Large cap
10 Day Avg. Volume i	890,700	19,585,596
90 Day Avg. Volume i	1,329,055	17,590,635
Last Close	₹600.90	₹97.08
52 Week Range	₹565.45 - ₹1,015.00	₹87.00 - ₹143.15
% from 52W High	-40.80%	-32.18%
All-Time High	₹1,165.00 (Aug 30, 2021)	₹229.00 (Jul 15, 2024)
% from All-Time High	-48.42%	-57.61%
Growth Metrics
Quarterly Revenue Growth	0.26%	0.11%
Quarterly Earnings Growth	0.45%	0.11%
Financial Health
Profit Margin (TTM) i	0.18%	0.97%
Operating Margin (TTM) i	0.24%	0.98%
Return on Equity (TTM) i	0.14%	0.13%
Debt to Equity (MRQ) i	332.84	744.59
Cash & Liquidity
Book Value per Share (MRQ)	₹155.42	₹43.36
Cash per Share (MRQ)	₹35.03	₹0.89
Operating Cash Flow (TTM) i	₹137.26B	₹-100,112,400,384
Levered Free Cash Flow (TTM) i	₹19.16B	₹65.02B
Dividends
Last 12-Month Dividend Yield i	0.35%	2.98%
Last 12-Month Dividend i	₹2.50	₹2.90

Valuation & Enterprise Metrics Analysis: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Metric	SBICARD (Apr 26, 2026)	IRFC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i	30.50	19.72
Forward P/E i	21.14	15.35
PEG Ratio i	0.81	1.62
Price to Sales (TTM) i	5.61	19.23
Price to Book (MRQ) i	4.31	2.44
Market Capitalization
Market Capitalization i	₹637.86B	₹1.37T
Enterprise Value i	₹1.10T	₹5.59T
Enterprise Value Metrics
Enterprise to Revenue i	9.64	77.59
Enterprise to EBITDA i	N/A	38.53
Risk & Other Metrics
Beta i	0.31	0.31
Book Value per Share (MRQ) i	₹155.42	₹43.36

Financial Statements Comparison: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

Metric	SBICARD (2025)	IRFC (2025)
Revenue/Sales i	142.68B	270.65B
Cost of Goods Sold i	N/A	124.63B
COGS % of Revenue i	0.0%	46.0%
Gross Profit i	N/A	146.01B
Gross Margin i	0.0%	54.0%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	144.53B
Operating Margin i	0.0%	53.4%
EBITDA i	N/A	144.99B
EBITDA Margin i	0.0%	53.6%
Pre-Tax Income i	25.81B	65.02B
Pre-Tax Income % of Revenue i	18.1%	24.0%
Income Tax i	6.64B	0
Income Tax % of Revenue i	4.7%	0.0%
Net Income (Profit) i	19.16B	65.02B
Profit Margin i	13.4%	24.0%

Balance Sheet & Liquidity Metrics

Metric	SBICARD (2025)	IRFC (2025)
Cash & Equivalents i	25.60B	56.80B
Total Current Assets i	N/A	433.95B
Total Current Assets % of Revenue i	0.0%	160.3%
Total Current Liabilities i	N/A	402.00B
Total Current Liabilities % of Revenue i	0.0%	148.5%
Long-Term Debt i	451.71B	3.94T
Long-Term Debt % of Revenue i	316.6%	1,457.5%
Total Shareholders Equity i	137.82B	526.68B
Retained Earnings i	90.22B	131.41B
Retained Earnings % of Revenue i	63.2%	48.6%
Property, Plant & Equipment i	2.27B	169.30M

Cash Flow Statement Comparison

Metric	SBICARD (2025)	IRFC (2025)
Operating Cash Flow i	137.26B	81.77B
Operating Cash Flow % of Revenue i	96.2%	30.2%
Capital Expenditures i	-553.80M	-8.20M
Free Cash Flow i	-21.96B	82.29B
FCF Margin i	-15.4%	30.4%
Debt Repayment i	-29.05B	-233.12B
Common Stock Repurchase i	N/A	N/A

Short Interest & Institutional Ownership Analysis

Metric	SBICARD	IRFC
Shares Short i	N/A	N/A
Short Ratio i	N/A	N/A
Short % of Float i	N/A	N/A
Shares Outstanding i	951.60M	13.07B
Float Shares i	298.95M	2.00B
% Held by Insiders i	68.58%	84.65%
% Held by Institutions i	24.25%	2.15%
% Held by Public i	7.17%	13.20%

Dividend Analysis & Yield Comparison: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Metric	SBICARD	IRFC
Last 12-Month Dividend i	₹2.50	₹2.90
Last 12-Month Dividend Yield i	0.35%	2.98%
3-Year Avg Annual Dividend i	₹3.33	₹1.97
3-Year Avg Dividend Yield i	0.34%	0.78%
3-Year Total Dividends i	₹10.00	₹5.90
Ex-Dividend Date	Mar 11, 2026	Mar 13, 2026

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

SBI Cards and Payment Services Ltd.

Indian Railway Finance Corporation Ltd.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete SBI Cards and Payment Services Ltd. Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Valuation & Enterprise Metrics Analysis: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Financial Statements Comparison: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Financial Metrics

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

SBICARD (Annual)

SBICARD (Quarterly)

IRFC (Annual)

IRFC (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Metric	SBICARD (Jun 30, 2025)	IRFC (Jun 30, 2025)
Revenue/Sales i	40.35B	69.01B
Cost of Goods Sold i	N/A	51.28B
COGS % of Revenue i	0.0%	74.3%
Gross Profit i	N/A	17.73B
Gross Margin i	0.0%	25.7%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	17.43B
Operating Margin i	0.0%	25.3%
EBITDA i	N/A	17.44B
EBITDA Margin i	0.0%	25.3%
Pre-Tax Income i	7.48B	17.46B
Pre-Tax Income % of Revenue i	18.5%	25.3%
Income Tax i	1.92B	0
Income Tax % of Revenue i	4.8%	0.0%
Net Income (Profit) i	5.56B	17.46B
Profit Margin i	13.8%	25.3%

Metric	SBICARD (Jun 30, 2025)	IRFC (Jun 30, 2025)
Cash & Equivalents i	25.60B	1.72B
Total Current Assets i	N/A	2.87T
Total Current Assets % of Revenue i	0.0%	4,165.1%
Total Current Liabilities i	N/A	83.30M
Total Current Liabilities % of Revenue i	0.0%	0.1%
Long-Term Debt i	451.71B	4.05T
Long-Term Debt % of Revenue i	1,119.4%	5,865.9%
Total Shareholders Equity i	137.82B	544.24B
Retained Earnings i	90.22B	N/A
Retained Earnings % of Revenue i	223.6%	0.0%
Property, Plant & Equipment i	2.27B	128.00M

Metric	SBICARD (Jun 30, 2025)	IRFC (Jun 30, 2025)
Operating Cash Flow i	N/A	14.22B
Operating Cash Flow % of Revenue i	0.0%	20.6%
Capital Expenditures i	N/A	-2.40M
Free Cash Flow i	N/A	14.67B
FCF Margin i	0.0%	21.3%
Debt Repayment i	N/A	N/A
Common Stock Repurchase i	N/A	N/A

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

SBI Cards and Payment Services Ltd.

Indian Railway Finance Corporation Ltd.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete SBI Cards and Payment Services Ltd. Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Valuation & Enterprise Metrics Analysis: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Financial Statements Comparison: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Financial Metrics Quarterly Annual

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

SBICARD (Annual)

SBICARD (Quarterly)

IRFC (Annual)

IRFC (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: SBI Cards and Payment Services Ltd. vs Indian Railway Finance Corporation Ltd.

Financial Metrics