StoxIndian Overseas Bank vs SBI Cards and Payment Services: share price & financials comparison
NSE: IOB vs SBICARD · Financial Services · as of 06 Nov 2026
Both prices rebased to 100 at the start of the selected period.
Indian Overseas Bank vs SBI Cards and Payment Services at a glance
Indian Overseas Bank (IOB) has a market capitalisation of ₹58,848 Cr, against ₹55,671 Cr for SBI Cards and Payment Services (SBICARD). Over the past year Indian Overseas Bank has returned -24.5%, compared with -35.8% for SBI Cards and Payment Services. Indian Overseas Bank comes out ahead on momentum and technicals. Across the scored metrics below, Indian Overseas Bank leads on 5 and SBI Cards and Payment Services on 3. On StoxGud's 10-point checklist, Indian Overseas Bank scores 5/10 and SBI Cards and Payment Services scores 2/10.
| Metric | Indian Overseas Bank | SBI Cards and Payment Services |
|---|---|---|
| Size | ||
| Market cap | ₹58,848 Cr | ₹55,671 Cr |
| Revenue (latest FY) | ₹37,532 Cr | ₹20,708 Cr |
| Net profit (latest FY) | ₹5,418 Cr | — |
| Valuation | ||
| P/E | 8.8 | — |
| P/B | 1.46 | — |
| Dividend yield | — | 0.39% |
| Profitability | ||
| Return on equity | 16.5% | — |
| Net profit margin | 16.3% | — |
| Operating margin | 26.9% | — |
| Growth | ||
| Revenue growth (YoY) | +13.1% | +3.2% |
| Net profit growth (YoY) | +55.9% | — |
| Revenue CAGR (multi-year) | +14.8% | +16.3% |
| Momentum | ||
| 1-month return | -1.5% | +5.0% |
| 1-year return | -24.5% | -35.8% |
| 3-year CAGR | -8.4% | -8.1% |
| 5-year CAGR | +7.4% | -11.9% |
| 10-year CAGR | +1.8% | — |
| Distance from 52W high | -24.4% | -35.1% |
| Technicals | ||
| RSI (14) | 47 | 57 |
| Price vs 200-day avg | -8.8% | -10.5% |
Highlighted cells lead on that metric. Market cap, revenue and RSI are shown for context and not scored.
10-point checklist side by side
| Check | Indian Overseas Bank | SBI Cards and Payment Services |
|---|---|---|
| Price above 50-day average | ✗ | ✗ |
| Price above 200-day average | ✗ | ✗ |
| 50-day average above 200-day (uptrend) | ✗ | ✗ |
| RSI in healthy 40–70 zone | ✓ | ✓ |
| Positive 1-year return | ✗ | ✗ |
| Return on equity above 15% | ✓ | ✗ |
| Debt to equity below 1 | ✗ | ✗ |
| Revenue growing year on year | ✓ | ✓ |
| Net profit margin above 10% | ✓ | ✗ |
| P/E below industry median | ✓ | ✗ |
| Score | 5/10 | 2/10 |
A rules-based screen for education only — not a buy or sell recommendation.
FAQs
Which is bigger, Indian Overseas Bank or SBI Cards and Payment Services?
Indian Overseas Bank has a market cap of ₹58,848 Cr and SBI Cards and Payment Services has a market cap of ₹55,671 Cr as of 06 Nov 2026.
Which gave better returns in the last year, Indian Overseas Bank or SBI Cards and Payment Services?
Indian Overseas Bank did better: Indian Overseas Bank returned -24.5% and SBI Cards and Payment Services returned -35.8% over one year.
Is Indian Overseas Bank or SBI Cards and Payment Services a better buy?
StoxGud does not give buy or sell recommendations. On our rules-based checklist Indian Overseas Bank scores 5/10 and SBI Cards and Payment Services scores 2/10; compare valuation, profitability, growth and momentum above and consult a SEBI-registered adviser.