Optimus Finance Ltd vs State Bank of India

A side-by-side comparison of Optimus Finance Ltd (OPTIMUSFINANCELTD) 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 OPTIMUSFINANCELTD vs SBIN on 10 of 14 metrics (1 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation22
  • Profitability13
  • Growth01
  • 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

Even

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

8.90
P/E ratio
10.67
1.32
P/B ratio
1.63
0.00%
Dividend yield
1.72%
₹0.78
EPS
₹90.24

Profitability

SBIN takes 3/4

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

9.38%
Return on equity
15.40%
11.60%
Return on capital
6.13%
7.20%
EBITDA margin
16.68%
5.81%
Net margin
11.95%

Growth

SBIN takes 1/2

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

—
Revenue CAGR (3Y) even
26.64%
12.62%
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.

₹87 Cr
Market cap
₹8.88L Cr
₹185 Cr
Revenue
₹7.13L Cr
₹10 Cr
Net profit
₹86,666 Cr
0.39
Debt / equity
0.00
Optimus Finance Ltd
  • + ["Company is expected to give good quarter", "Company's median sales growth is 43.0% of last 10 years"]
  • − ["Though the company is reporting repeated profits, it is not paying out dividend", "Company has a low return on equity of 11.6% over last 3 years.", "Company has high debtors of 239 days."]
State Bank of India
  • + ["Company has delivered good profit growth of 29.4% CAGR over last 5 years", "Company has delivered good sales growth of 20.7% CAGR over last 5 years"]
  • − []
Optimus Finance Ltd 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.