Saraswati Commercial [ZSARACOM] vs Jio Financial [JIOFIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Saraswati Commercial (I) Ltd. wins in 16 metrics, Jio Financial Services Limited wins in 3 metrics, with 0 ties. Saraswati Commercial (I) Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Saraswati Commercial (I) Ltd. | Jio Financial Services Limited | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.91 | 103.21 | Saraswati Commercial (I) Ltd. |
| Price-to-Book Ratio | 0.91 | 1.18 | Saraswati Commercial (I) Ltd. |
| Debt-to-Equity Ratio | 5.02 | 16.29 | Saraswati Commercial (I) Ltd. |
| PEG Ratio | -0.07 | -15.83 | Saraswati Commercial (I) Ltd. |
| EV/EBITDA | 9.64 | 63.66 | Saraswati Commercial (I) Ltd. |
| Profit Margin (TTM) | 77.05% | 57.77% | Saraswati Commercial (I) Ltd. |
| Operating Margin (TTM) | 95.73% | 43.08% | Saraswati Commercial (I) Ltd. |
| EBITDA Margin (TTM) | 95.73% | 43.08% | Saraswati Commercial (I) Ltd. |
| Return on Equity | 5.49% | 1.21% | Saraswati Commercial (I) Ltd. |
| Return on Assets (TTM) | 4.82% | 1.05% | Saraswati Commercial (I) Ltd. |
| Free Cash Flow (TTM) | $87.25M | $-155.44B | Saraswati Commercial (I) Ltd. |
| Dividend Yield | N/A | 0.15% | N/A |
| 1-Year Return | -34.30% | -16.64% | Jio Financial Services Limited |
| Price-to-Sales Ratio (TTM) | 9.78 | 60.78 | Saraswati Commercial (I) Ltd. |
| Enterprise Value | $10.21B | $1,691.94B | Jio Financial Services Limited |
| EV/Revenue Ratio | 9.18 | 62.62 | Saraswati Commercial (I) Ltd. |
| Gross Profit Margin (TTM) | 55.79% | 85.06% | Jio Financial Services Limited |
| Revenue per Share (TTM) | $1,079 | $4 | Saraswati Commercial (I) Ltd. |
| Earnings per Share (Diluted) | $832.62 | $2.41 | Saraswati Commercial (I) Ltd. |
| Beta (Stock Volatility) | -0.01 | 0.62 | Saraswati Commercial (I) Ltd. |
Saraswati Commercial (I) Ltd. vs Jio Financial Services Limited Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Saraswati Commercial (I) Ltd. | 0.00% | -6.76% | -9.00% | -4.54% | -29.92% | -28.66% |
| Jio Financial Services Limited | -1.10% | -3.24% | -7.01% | -2.60% | -21.92% | -20.52% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Saraswati Commercial (I) Ltd. | -34.30% | 298.37% | 400.46% | 118,225.24% | 118,225.24% | 118,225.24% |
| Jio Financial Services Limited | -16.64% | 11.40% | 11.40% | 11.40% | 11.40% | 11.40% |
Performance & Financial Health Analysis: Saraswati Commercial (I) Ltd. vs Jio Financial Services Limited
| Metric | ZSARACOM | JIOFIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹10.52B | ₹1.64T |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 71 | 33,977,737 |
| 90 Day Avg. Volume | 72 | 23,164,019 |
| Last Close | ₹9,100.00 | ₹235.03 |
| 52 Week Range | ₹8,650.00 - ₹16,269.00 | ₹223.30 - ₹338.60 |
| % from 52W High | -44.07% | -30.59% |
| All-Time High | ₹27,775.00 (Sep 23, 2024) | ₹394.70 (Apr 22, 2024) |
| % from All-Time High | -67.24% | -40.45% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.73% | 0.39% |
| Quarterly Earnings Growth | 0.98% | -0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.77% | 0.58% |
| Operating Margin (TTM) | 0.96% | 0.43% |
| Return on Equity (TTM) | 0.05% | 0.01% |
| Debt to Equity (MRQ) | 5.02 | 16.29 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹10,942.47 | ₹211.44 |
| Cash per Share (MRQ) | ₹853.09 | ₹5.68 |
| Operating Cash Flow (TTM) | ₹747.76M | ₹-154,386,399,232 |
| Levered Free Cash Flow (TTM) | ₹534.21M | ₹15.61B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.15% |
| Last 12-Month Dividend | N/A | ₹0.50 |
Valuation & Enterprise Metrics Analysis: Saraswati Commercial (I) Ltd. vs Jio Financial Services Limited
| Metric | ZSARACOM (Apr 24, 2026) | JIOFIN (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.91 | 103.21 |
| Forward P/E | N/A | 56.66 |
| PEG Ratio | -0.07 | -15.83 |
| Price to Sales (TTM) | 9.78 | 60.78 |
| Price to Book (MRQ) | 0.91 | 1.18 |
| Market Capitalization | ||
| Market Capitalization | ₹10.52B | ₹1.64T |
| Enterprise Value | ₹10.21B | ₹1.69T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 9.18 | 62.62 |
| Enterprise to EBITDA | 9.64 | 63.66 |
| Risk & Other Metrics | ||
| Beta | -0.01 | 0.62 |
| Book Value per Share (MRQ) | ₹10,942.47 | ₹211.44 |
Financial Statements Comparison: Saraswati Commercial (I) Ltd. vs Jio Financial Services Limited
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | ZSARACOM (2025) | JIOFIN (2026) |
|---|---|---|
| Revenue/Sales | 746.57M | 27.68B |
| Cost of Goods Sold | 24.89M | 3.87B |
| COGS % of Revenue | 3.3% | 14.0% |
| Gross Profit | 721.68M | 23.81B |
| Gross Margin | 96.7% | 86.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 704.15M | 22.75B |
| Operating Margin | 94.3% | 82.2% |
| EBITDA | 704.29M | 26.58B |
| EBITDA Margin | 94.3% | 96.0% |
| Pre-Tax Income | 688.21M | 19.12B |
| Pre-Tax Income % of Revenue | 92.2% | 69.1% |
| Income Tax | 153.94M | 3.51B |
| Income Tax % of Revenue | 20.6% | 12.7% |
| Net Income (Profit) | 534.27M | 15.61B |
| Profit Margin | 71.6% | 56.4% |
Balance Sheet & Liquidity Metrics
| Metric | ZSARACOM (2025) | JIOFIN (2026) |
|---|---|---|
| Cash & Equivalents | 228.17M | 7.15B |
| Total Current Assets | 4.80B | 293.70B |
| Total Current Assets % of Revenue | 642.8% | 1,061.1% |
| Total Current Liabilities | 437.64M | 971.10M |
| Total Current Liabilities % of Revenue | 58.6% | 3.5% |
| Long-Term Debt | 426.59M | 217.68B |
| Long-Term Debt % of Revenue | 57.1% | 786.5% |
| Total Shareholders Equity | 9.73B | 1.34T |
| Retained Earnings | 3.03B | N/A |
| Retained Earnings % of Revenue | 405.7% | 0.0% |
| Property, Plant & Equipment | 8,000 | 539.00M |
Cash Flow Statement Comparison
| Metric | ZSARACOM (2025) | JIOFIN (2026) |
|---|---|---|
| Operating Cash Flow | 747.76M | -159.14B |
| Operating Cash Flow % of Revenue | 100.2% | -575.0% |
| Capital Expenditures | -184,000 | -1.05B |
| Free Cash Flow | 87.25M | -155.44B |
| FCF Margin | 11.7% | -561.6% |
| Debt Repayment | -8.27B | -282.84B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | ZSARACOM | JIOFIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 1.10M | 6.35B |
| Float Shares | 233,054 | 3.27B |
| % Held by Insiders | 89.12% | 46.44% |
| % Held by Institutions | 0.00% | 20.96% |
| % Held by Public | 10.88% | 32.60% |
Dividend Analysis & Yield Comparison: Saraswati Commercial (I) Ltd. vs Jio Financial Services Limited
| Metric | ZSARACOM | JIOFIN |
|---|---|---|
| Last 12-Month Dividend | N/A | ₹0.50 |
| Last 12-Month Dividend Yield | N/A | 0.15% |
| 3-Year Avg Annual Dividend | N/A | ₹0.17 |
| 3-Year Avg Dividend Yield | N/A | 0.15% |
| 3-Year Total Dividends | N/A | ₹0.50 |
| Ex-Dividend Date | N/A | Aug 11, 2025 |