LIFE INSURA CORP OF INDIA vs SURYODAY SMALL FIN BK LTD

A side-by-side comparison of LIFE INSURA CORP OF INDIA (LICI) and SURYODAY SMALL FIN BK LTD (SURYODAY) — 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 SURYODAY on 9 of 14 metrics (1 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation31
  • Profitability22
  • Growth01
  • 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 3/4

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

9.00
P/E ratio
10.58
3.09
P/B ratio
0.80
2.42%
Dividend yield
0.96%
₹45.42
EPS
₹14.30

Profitability

Even

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

37.80%
Return on equity
7.31%
35.00%
Return on capital
6.34%
5.00%
EBITDA margin
10.60%
5.88%
Net margin
6.03%

Growth

SURYODAY takes 1/2

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

7.61%
Revenue CAGR (3Y) even
16.86%
Profit CAGR (3Y)
24.90%

Size & financial health

LICI takes 4/4

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

₹5.16L Cr
Market cap
₹1,614 Cr
₹9.78L Cr
Revenue
₹2,520 Cr
₹57,453 Cr
Net profit
₹152 Cr
0.00
Debt / equity
1.50
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."]
SURYODAY SMALL FIN BK LTD
  • + ["Stock is trading at 0.79 times its book value", "Company has delivered good profit growth of 66.5% CAGR over last 5 years"]
  • ["Company has low interest coverage ratio.", "Promoter holding is low: 22.5%", "Company has a low return on equity of 8.68% over last 3 years.", "Earnings include an other income of Rs.399 Cr."]
LIFE INSURA CORP OF INDIA full analysis SURYODAY SMALL FIN BK 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 SURYODAY: Share Price, Valuation & Which to Buy | DocStoX