LIFE INSURA CORP OF INDIA vs SBI CARDS & PAY SER LTD

A side-by-side comparison of LIFE INSURA CORP OF INDIA (LICI) and SBI CARDS & PAY SER LTD (SBICARD) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, LIFE INSURA CORP OF INDIA leads LICI vs SBICARD on 11 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation40
  • Profitability22
  • Growth11
  • Size & financial health40
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

LICI takes 4/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

9.05
P/E ratio
27.83
3.09
P/B ratio
3.90
2.42%
Dividend yield
0.39%
₹45.42
EPS
₹22.77

Profitability

Even

How efficiently each company turns capital and sales into profit. Higher is better.

37.80%
Return on equity
13.78%
35.00%
Return on capital
18.31%
5.00%
EBITDA margin
26.70%
5.88%
Net margin
10.89%

Growth

Even

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

7.61%
Revenue CAGR (3Y)
13.34%
16.86%
Profit CAGR (3Y)
-1.37%

Size & financial health

LICI takes 4/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹5.33L Cr
Market cap
₹60,185 Cr
₹9.78L Cr
Revenue
₹19,900 Cr
₹57,453 Cr
Net profit
₹2,167 Cr
0.00
Debt / equity
2.80
LIFE INSURA CORP OF INDIA
  • + ["Company has a good return on equity (ROE) track record: 3 Years ROE 45.6%"]
  • ["The company has delivered a poor sales growth of 7.19% over past five years."]
SBI CARDS & PAY SER LTD
  • ["Stock is trading at 3.88 times its book value", "Dividend payout has been low at 11.1% of profits over last 3 years"]
LIFE INSURA CORP OF INDIA full analysis SBI CARDS & PAY SER LTD full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.

LICI vs SBICARD: Share Price, Valuation & Which to Buy | DocStoX