State Bank of India vs UJJIVAN SMALL FINANC BANK

A side-by-side comparison of State Bank of India (SBIN) and UJJIVAN SMALL FINANC BANK (UJJIVANSFB) — 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 UJJIVANSFB on 10 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation31
  • Profitability31
  • Growth10
  • 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.

10.67
P/E ratio
17.72
1.63
P/B ratio
1.93
1.72%
Dividend yield
2.25%
₹90.24
EPS
₹3.57

Profitability

SBIN takes 3/4

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

15.40%
Return on equity
10.16%
6.13%
Return on capital
6.90%
16.68%
EBITDA margin
13.13%
11.95%
Net margin
9.99%

Growth

SBIN 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)
-14.29%

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
₹12,353 Cr
₹7.13L Cr
Revenue
₹6,931 Cr
₹86,666 Cr
Net profit
₹693 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"]
  • − []
UJJIVAN SMALL FINANC BANK
  • + ["Company has delivered good profit growth of 144.1% CAGR over last 5 years"]
  • − []
State Bank of India full analysis UJJIVAN SMALL FINANC BANK full analysis

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