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Overview of Market Industries: Valuation and Profitability


Credit Services


The credit services industry includes companies that extend credit and make loans to individuals and businesses through credit cards, installment loans, student loans, and business loans that are associated with other consumer and business credit instruments.

* Data in this page is the median value and it's updated daily. Sector and industry weightings are calculated using market capitalization which is converted to USD.


Company Comparison

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PE Ratio PE Ratio without NRI Shiller PE Ratio EV-to-EBIT EV-to-EBITDA EV-to-Revenue PS Ratio PB Ratio Price-to-Tangible-Book Price-to-Free-Cash-Flow Price-to-Operating-Cash-Flow Price-to-Median-PS-Value Dividend Yield % Dividend Payout Ratio Gross Margin % Net Margin % Operating Margin % Pre-Tax Margin % ROE % ROA % ROC (Joel Greenblatt) % ROIC % WACC % Altman Z-Score Piotroski F-Score Beneish M-Score Debt-to-Equity Cash-to-Debt Equity-to-Asset Days Sales Outstanding Days Inventory Days Payable Cash Conversion Cycle Forward Rate of Return (Yacktman) % Current Ratio Quick Ratio Interest Coverage Beta 5-Year Revenue Growth Rate 10-Year Revenue Growth Rate
500034.India - Bajaj Finance Ltd 75.14 75.14 122.73 27.12 20.72 8.96 9.05 27.58 37.39 12.81 2.66 15.40 3 -2.15 2.87 0.02 0.22 14.86 N/A 2.02 26.70 24.20
543066.India - SBI Cards and Payment Services Ltd 94.64 94.64 12.75 10.82 14.66 14.81 146.64 134.59 0.10 0.10 11.43 15.37 16.86 3.85 10.93 4 -2.25 2.87 0.04 0.23 N/A
533398.India - Muthoot Finance Ltd 13.46 13.46 30.19 12.57 6.80 3.36 3.39 1.65 0.17 50.54 68.17 28.21 6.19 10.67 4 -1.53 3.48 0.18 0.22 14.07 N/A 1.28 23.90 13.50
CHOLAFIN.India - Cholamandalam Investment and Finance Co Ltd 35.53 35.53 51.28 21.40 9.90 5.17 5.05 2.12 0.23 0.04 28.11 37.91 16.48 2.00 11.06 3 -2.08 6.72 0.11 0.13 10.07 N/A 1.82 13.30 9.50
500302.India - Piramal Enterprises Ltd 8.79 8.95 8.26 4.68 3.11 1.20 1.40 5.02 4.70 0.84 77.35 1.58 47.97 10.89 0.68 0.26 133.82 -2.35 7.18 0.79 6 -3.01 1.05 0.34 0.41 33.68 146.21 140.94 38.95 -6.48 1.23 1.15 N/A 1.42 16.90 22.00
SRTRANSFIN.India - Shriram Transport Finance Co Ltd 12.70 12.70 13.98 12.85 3.80 1.51 1.55 0.92 0.12 30.09 39.48 12.43 2.07 10.13 3 -2.09 4.16 0.18 0.17 -3.48 N/A 1.69 9.20 7.70
532810.India - Power Finance Corp Ltd 3.15 3.15 5.16 30.96 1.27 0.49 0.51 7.22 0.27 40.37 71.50 16.84 1.27 5.04 3 -2.10 11.27 0.02 0.08 -112.91 N/A 0.78 14.40 11.60
543257.India - Indian Railway Finance Corp Ltd 8.00 8.00 19.46 19.46 19.16 1.94 0.87 0.93 4.98 24.24 99.21 24.24 11.13 1.22 181.90 4.76 5.29 0.20 3 -1.13 7.74 0.11 0.65 0.65 1.34
SUNDARMFIN.India - Sundaram Finance Ltd 25.00 25.00 33.65 24.34 11.08 3.82 3.99 3104.02 0.61 0.13 44.33 50.66 16.19 2.39 9.60 3 -2.20 4.41 0.03 0.15 5.49 N/A 1.00 -6.50 3.00
532955.India - REC Ltd 3.82 3.82 4.42 29.07 2.23 0.62 0.64 8.39 0.50 58.45 75.40 17.27 1.90 5.73 3 -1.88 7.45 0.01 0.11 -78.25 N/A 1.04 -2.50 4.30
533519.India - L&T Finance Holdings Ltd 19.37 19.37 14.05 13.10 2.43 1.14 1.20 3.48 3.45 0.96 12.50 19.25 5.99 0.89 7.74 5 -2.56 4.72 0.10 0.17 -17.66 N/A 2.20 13.10 12.50
M&MFIN.India - Mahindra & Mahindra Financial Services Ltd 17.62 17.62 9.69 10.50 2.68 1.21 1.22 2.90 2.87 11.44 13.82 5.32 0.91 10.24 5 -2.55 3.53 0.07 0.18 -20.35 N/A 2.21 11.60 12.30
531213.India - Manappuram Finance Ltd 8.02 8.02 19.06 8.33 3.23 2.00 2.05 0.82 0.09 40.29 54.33 28.18 5.69 10.82 4 -1.44 3.91 0.19 0.20 5.28 N/A 1.75 25.50
SHRIRAMCIT.India - Shriram City Union Finance Ltd 10.25 10.25 12.46 8.05 3.04 1.30 1.29 1.21 0.12 29.65 41.21 13.46 3.07 10.22 3 -2.11 2.77 0.23 0.22 -3.63 N/A 1.53 7.00 9.40
504973.India - Cholamandalam Financial Holdings Ltd 13.81 13.81 27.42 25.94 5.25 0.81 2.11 2.12 39.93 5.88 25.98 16.58 16.86 1.00 10.44 3.59 2.71 1.34 2 -2.38 11.91 0.12 0.06 16.60 121.32 -104.72 -29.30 77.03 77.03 N/A 1.61 11.30 8.60
532636.India - IIFL Finance Ltd 17.69 17.69 15.26 11.68 3.40 2.02 2.02 10.66 10.06 2.11 1.12 0.15 19.18 23.46 12.54 1.72 9.76 6 -2.60 5.73 0.14 0.14 -22.89 N/A 2.16 1.30 7.30
541770.India - CreditAccess Grameen Ltd 83.94 83.94 24.12 22.90 8.13 4.20 3.07 3.64 44.04 4.81 33.69 6.66 3.77 0.91 8.94 5.33 6.94 1.89 1 -1.10 3.31 0.19 0.22 6.99 -6.99 3.32 76.10 76.10 N/A 36.10
HUDCO.India - Housing & Urban Development Corp Ltd 5.79 5.79 26.89 3.32 0.69 0.73 7.18 0.42 57.37 77.23 12.16 1.95 6.98 5 -1.63 4.92 0.16 -68.31 N/A 1.63 15.70
531595.India - Capri Global Capital Ltd 43.02 43.02 20.45 39.64 38.28 16.04 11.81 4.82 5.00 38.53 37.84 0.04 0.02 45.26 27.46 40.46 37.03 11.97 4.16 9.43 4.84 8.35 2.93 6 -3.11 1.81 0.02 0.35 1.10 8.66 -7.56 9.19 151.73 151.73 N/A 0.85 31.50 6.00
540749.India - MAS Financial Services Ltd 31.68 31.68 28.98 28.60 10.39 7.94 4.13 4.12 23.58 23.03 40.21 25.06 35.86 33.82 13.67 2.98 7.28 3.83 9.74 2.09 4 -2.31 2.75 0.54 0.22 7.49 -7.49 -6.88 876.81 876.81 N/A 1.50 12.30
Average 26.13 26.13 18.06 7.43 7.17 15.66 5.73 3.16 3.24 11.54 166.03 0.21 1.81 0.11 12.34 27.52 14.16 37.72 13.64 2.35 17.59 1.00 8.73 0.46 4 -2.11 4.87 0.13 0.19 2.57 7.31 14.27 -4.39 -15.39 59.18 59.17 1.34 1.32 13.04 7.60

* All ratios are current value


Historical Key Ratio Charts


* All ratios are median value

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