State Bank of India vs U. Y. Fincorp Limited

A side-by-side comparison of State Bank of India (SBIN) and U. Y. Fincorp Limited (UYFINCORP) — 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 UYFINCORP on 8 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation22
  • Profitability22
  • Growth02
  • 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

Even

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

10.67
P/E ratio
9.82
1.63
P/B ratio
0.94
1.72%
Dividend yield
0.00%
₹90.24
EPS
₹2.54

Profitability

Even

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

15.40%
Return on equity
12.41%
6.13%
Return on capital
2.08%
16.68%
EBITDA margin
42.07%
11.95%
Net margin
29.85%

Growth

UYFINCORP takes 2/2

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

26.64%
Revenue CAGR (3Y)
42.79%
14.49%
Profit CAGR (3Y)
82.06%

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
₹484 Cr
₹7.13L Cr
Revenue
₹162 Cr
₹86,666 Cr
Net profit
₹48 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"]
  • − []
U. Y. Fincorp Limited
  • + ["Company has delivered good profit growth of 39.9% CAGR over last 5 years", "Company has delivered good sales growth of 63.2% CAGR over last 5 years"]
  • − ["Though the company is reporting repeated profits, it is not paying out dividend"]
State Bank of India full analysis U. Y. Fincorp Limited full analysis

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