State Bank of India vs Suryoday Small Finance Bank Limited

A side-by-side comparison of State Bank of India (SBIN) and Suryoday Small Finance Bank Limited (SURYODAY) — 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 SURYODAY on 8 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation22
  • Profitability31
  • Growth01
  • 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

Even

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

10.67
P/E ratio
10.32
1.63
P/B ratio
0.77
1.72%
Dividend yield
0.99%
₹90.24
EPS
₹14.30

Profitability

SBIN takes 3/4

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

15.40%
Return on equity
7.31%
6.13%
Return on capital
6.34%
16.68%
EBITDA margin
10.60%
11.95%
Net margin
7.03%

Growth

SURYODAY 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)
24.90%

Size & financial health

SBIN takes 3/4

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

₹8.88L Cr
Market cap
₹1,575 Cr
₹7.13L Cr
Revenue
₹2,160 Cr
₹86,666 Cr
Net profit
₹152 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"]
  • − []
Suryoday Small Finance Bank Limited
  • + ["Company has delivered good profit growth of 66.2% CAGR over last 5 years", "Stock is trading at 0.76 times its book value"]
  • − ["Company has a low return on equity of 8.8% over last 3 years."]
State Bank of India full analysis Suryoday Small Finance Bank Limited full analysis

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