State Bank of India vs Smart Finsec Ltd

A side-by-side comparison of State Bank of India (SBIN) and Smart Finsec Ltd (SMARTFIN) — 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 SBIN vs SMARTFIN 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
  • Profitability13
  • Growth20
  • 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

SBIN takes 3/4

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

10.79
P/E ratio
25.12
1.63
P/B ratio
1.46
1.72%
Dividend yield
0.00%
₹90.24
EPS
₹0.33

Profitability

SMARTFIN takes 3/4

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

15.40%
Return on equity
5.86%
6.13%
Return on capital
8.15%
16.68%
EBITDA margin
69.06%
11.95%
Net margin
49.65%

Growth

SBIN takes 2/2

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

26.64%
Revenue CAGR (3Y)
-59.99%
14.49%
Profit CAGR (3Y)
-11.42%

Size & financial health

SBIN takes 3/4

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

₹8.98L Cr
Market cap
₹25 Cr
₹7.13L Cr
Revenue
₹2 Cr
₹86,666 Cr
Net profit
₹1 Cr
0.00
Debt / equity even
0.00
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"]
  • − []
Smart Finsec Ltd
  • + ["Company has delivered good profit growth of 17.3% CAGR over last 5 years"]
  • − []
State Bank of India 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.

SBIN vs SMARTFIN: Share Price, Valuation & Which to Buy | DocStoX