RBL BANK LIMITED vs STATE BANK OF INDIA

A side-by-side comparison of RBL BANK LIMITED (RBLBANK) and STATE BANK OF INDIA (SBIN) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

RBLBANK logo
RBL BANK LIMITED
RBLBANK
₹380.5+0.04%
VS
SBIN logo
STATE BANK OF INDIA
SBIN
₹1,029.9-2.84%
Leads on the numbers
The verdict

On the numbers, STATE BANK OF INDIA leads RBLBANK vs SBIN on 12 of 14 metrics (1 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation13
  • Profitability04
  • 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

SBIN takes 3/4

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

28.59
P/E ratio
11.41
1.39
P/B ratio
1.63
0.26%
Dividend yield
1.66%
₹13.31
EPS
₹90.24

Profitability

SBIN takes 4/4

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

5.00%
Return on equity
15.40%
5.02%
Return on capital
6.13%
0.00%
EBITDA margin
16.68%
6.13%
Net margin
11.95%

Growth

SBIN takes 1/2

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

—
Revenue CAGR (3Y)
—
-0.15%
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.

₹23,499 Cr
Market cap
₹9.55L Cr
₹18,464 Cr
Revenue
₹7.13L Cr
₹879 Cr
Net profit
₹86,666 Cr
1.00
Debt / equity
0.00
RBL BANK LIMITED
  • + ["Promoter holding has increased by 60.0% over last quarter."]
  • − ["Company has low interest coverage ratio.", "The company has delivered a poor sales growth of 11.5% over past five years.", "Company has a low return on equity of 5.90% over last 3 years.", "Contingent liabilities of Rs.1,45,506 Cr.", "Company might be capitalizing the interest cost", "Earnings include an other income of Rs.4,011 Cr.", "Dividend payout has been low at 8.01% of profits over last 3 years", "Working capital days have increased from 178 days to 280 days"]
STATE BANK OF INDIA
  • + ["Company has been maintaining a healthy dividend payout of 18.6%"]
  • − ["Company has low interest coverage ratio.", "Contingent liabilities of Rs.43,52,830 Cr.", "Company might be capitalizing the interest cost", "Earnings include an other income of Rs.1,99,967 Cr."]
RBL BANK 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.