State Bank of India vs Viji Finance Limited

A side-by-side comparison of State Bank of India (SBIN) and Viji Finance Limited (VIJIFIN) — 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 VIJIFIN on 10 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation40
  • 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

SBIN takes 4/4

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

10.67
P/E ratio
119.00
1.63
P/B ratio
7.70
1.72%
Dividend yield
0.00%
₹90.24
EPS
₹0.14

Profitability

Even

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

15.40%
Return on equity
8.45%
6.13%
Return on capital
1.28%
16.68%
EBITDA margin
65.60%
11.95%
Net margin
38.86%

Growth

VIJIFIN takes 2/2

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

26.64%
Revenue CAGR (3Y)
34.67%
14.49%
Profit CAGR (3Y)
64.82%

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
₹383 Cr
₹7.13L Cr
Revenue
₹5 Cr
₹86,666 Cr
Net profit
₹2 Cr
0.00
Debt / equity
0.31
State Bank of India
  • + ["Company has delivered good profit growth of 29.4% CAGR over last 5 years"]
  • − []
Viji Finance Limited
  • + ["Company has delivered good profit growth of 35.0% CAGR over last 5 years", "Company has delivered good sales growth of 40.7% CAGR over last 5 years"]
  • − ["Stock is trading at 15.76 times its book value", "Company has a low return on equity of 3.6% over last 3 years.", "Though the company is reporting repeated profits, it is not paying out dividend"]
State Bank of India full analysis Viji Finance Limited full analysis

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