State Bank of India vs Unifinz Capital India Ltd

A side-by-side comparison of State Bank of India (SBIN) and Unifinz Capital India Ltd (UNIFINZCAPITALLTD) — 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 UNIFINZCAPITALLTD on 9 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation31
  • Profitability22
  • Growth· not comparable—
  • Size & financial health40
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
5.20
1.63
P/B ratio
2.78
1.72%
Dividend yield
0.49%
₹90.24
EPS
₹4.53

Profitability

Even

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

15.40%
Return on equity
72.10%
6.13%
Return on capital
55.20%
16.68%
EBITDA margin
0.00%
11.95%
Net margin
0.00%

Growth

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

26.64%
Revenue CAGR (3Y) even
—
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
₹456 Cr
₹7.13L Cr
Revenue
₹0 Cr
₹86,666 Cr
Net profit
₹20 Cr
0.00
Debt / equity
1.29
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"]
  • − []
Unifinz Capital India Ltd
  • + ["Company is expected to give good quarter", "Company has delivered good profit growth of 182% CAGR over last 5 years", "Company has a good return on equity (ROE) track record: 3 Years ROE 64.0%", "Company's median sales growth is 158% of last 10 years"]
  • − ["Promoter holding has decreased over last quarter: -4.80%", "Promoter holding is low: 19.8%"]
State Bank of India full analysis Unifinz Capital India Ltd full analysis

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