State Bank of India vs Transwarranty Finance Limited

A side-by-side comparison of State Bank of India (SBIN) and Transwarranty Finance Limited (TFL) — 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 TFL on 12 of 14 metrics (1 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation31
  • Profitability40
  • Growth10
  • Size & financial health40

Valuation

SBIN takes 3/4

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

10.67
P/E ratio
-18.10
1.63
P/B ratio
2.33
1.72%
Dividend yield
0.00%
₹90.24
EPS
₹-0.80

Profitability

SBIN takes 4/4

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

15.40%
Return on equity
0.00%
6.13%
Return on capital
-1.66%
16.68%
EBITDA margin
-12.76%
11.95%
Net margin
-30.65%

Growth

SBIN takes 1/2

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

26.64%
Revenue CAGR (3Y)
10.04%
14.49%
Profit CAGR (3Y) even
—

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
₹66 Cr
₹7.13L Cr
Revenue
₹14 Cr
₹86,666 Cr
Net profit
₹-4 Cr
0.00
Debt / equity
1.07
State Bank of India
  • + ["Company has delivered good profit growth of 29.4% CAGR over last 5 years"]
  • − []
Transwarranty Finance Limited
  • + []
  • − ["The company has delivered a poor sales growth of 0.2% over past five years.", "Company has a low return on equity of -9.9% over last 3 years.", "Company reported a net loss of ₹4 Cr in its latest financial year."]
State Bank of India full analysis Transwarranty Finance Limited full analysis

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