State Bank of India vs SMC Credits Ltd

A side-by-side comparison of State Bank of India (SBIN) and SMC Credits Ltd (SMCCREDITSLTD) — 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 SMCCREDITSLTD 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
  • Profitability40
  • Growth01
  • Size & financial health40

Valuation

Even

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

10.67
P/E ratio
2.30
1.63
P/B ratio
0.01
1.72%
Dividend yield
0.00%
₹90.24
EPS
₹5.00

Profitability

SBIN takes 4/4

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

15.40%
Return on equity
2.72%
6.13%
Return on capital
3.34%
16.68%
EBITDA margin
0.00%
11.95%
Net margin
0.00%

Growth

SMCCREDITSLTD takes 1/2

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

26.64%
Revenue CAGR (3Y) even
—
14.49%
Profit CAGR (3Y)
48.19%

Size & financial health

SBIN takes 4/4

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

₹8.88L Cr
Market cap
₹0 Cr
₹7.13L Cr
Revenue
₹0 Cr
₹86,666 Cr
Net profit
₹13 Cr
0.00
Debt / equity
0.01
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"]
  • − []
SMC Credits Ltd
  • + ["Company has reduced debt.", "Company is almost debt free.", "Company has delivered good profit growth of 48.6% CAGR over last 5 years"]
  • − ["Company has a low return on equity of 1.43% over last 3 years."]
State Bank of India full analysis SMC Credits Ltd full analysis

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