Aye Finance Limited vs State Bank of India

A side-by-side comparison of Aye Finance Limited (AYE) and State Bank of India (SBIN) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, State Bank of India leads AYE vs SBIN on 10 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation04
  • Profitability22
  • Growth20
  • Size & financial health04
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

SBIN takes 4/4

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

19.88
P/E ratio
10.67
1.73
P/B ratio
1.63
0.00%
Dividend yield
1.72%
₹7.85
EPS
₹90.24

Profitability

Even

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

7.65%
Return on equity
15.40%
10.28%
Return on capital
6.13%
41.83%
EBITDA margin
16.68%
10.67%
Net margin
11.95%

Growth

AYE takes 2/2

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

41.29%
Revenue CAGR (3Y)
26.64%
53.06%
Profit CAGR (3Y)
14.49%

Size & financial health

SBIN takes 4/4

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

₹3,781 Cr
Market cap
₹8.88L Cr
₹1,815 Cr
Revenue
₹7.13L Cr
₹194 Cr
Net profit
₹86,666 Cr
1.98
Debt / equity
0.00
Aye Finance Limited
  • + ["Company has delivered good profit growth of 62.7% CAGR over last 5 years", "Company has delivered good sales growth of 29.4% CAGR over last 5 years"]
  • − ["Though the company is reporting repeated profits, it is not paying out dividend"]
State Bank of India
  • + ["Company has delivered good profit growth of 29.4% CAGR over last 5 years"]
  • − []
Aye Finance Limited full analysis State Bank of India full analysis

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