Kotak Mahindra Bank Limited vs Smart Finsec Ltd

A side-by-side comparison of Kotak Mahindra Bank Limited (KOTAKBANK) and Smart Finsec Ltd (SMARTFINSECLTD) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, Kotak Mahindra Bank Limited leads KOTAKBANK vs SMARTFINSECLTD on 9 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation22
  • Profitability31
  • Growth10
  • Size & financial health30
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

Even

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

23.06
P/E ratio
21.90
2.29
P/B ratio
1.46
0.16%
Dividend yield
0.00%
₹19.40
EPS
₹0.39

Profitability

KOTAKBANK takes 3/4

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

10.65%
Return on equity
6.06%
5.54%
Return on capital
8.41%
24.31%
EBITDA margin
0.00%
27.64%
Net margin
0.00%

Growth

KOTAKBANK takes 1/2

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

18.30%
Revenue CAGR (3Y) even
—
8.92%
Profit CAGR (3Y)
-10.82%

Size & financial health

KOTAKBANK takes 3/4

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

₹4.44L Cr
Market cap
₹24 Cr
₹69,781 Cr
Revenue
₹0 Cr
₹19,288 Cr
Net profit
₹1 Cr
0.00
Debt / equity even
0.00
Kotak Mahindra Bank Limited
  • + ["Company has delivered good sales growth of 16.3% CAGR over last 5 years"]
  • − []
Smart Finsec Ltd
  • + ["Company is almost debt free."]
  • − ["Though the company is reporting repeated profits, it is not paying out dividend", "The company has delivered a poor sales growth of -39.0% over past five years.", "Company has a low return on equity of 10.1% over last 3 years.", "Working capital days have increased from 1,159 days to 1,942 days"]
Kotak Mahindra Bank Limited full analysis Smart Finsec Ltd full analysis

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

KOTAKBANK vs SMARTFINSECLTD: Share Price, Valuation & Which to Buy | DocStoX