Pb Fintech [POLICYBZR] vs State Bank of India [SBIN] Detailed Stock Comparison
Pb Fintech
NSE
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State Bank of India
NSE
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Pb Fintech wins in 2 metrics, State Bank of India wins in 15 metrics, with 0 ties. State Bank of India appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pb Fintech | State Bank of India | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 208.39 | 9.76 | State Bank of India |
| Price-to-Book Ratio | 12.09 | 1.49 | State Bank of India |
| Debt-to-Equity Ratio | 5.01 | 1.09 | State Bank of India |
| PEG Ratio | 5.48 | 1.00 | State Bank of India |
| EV/EBITDA | 420.41 | N/A | N/A |
| Profit Margin (TTM) | 7.10% | 22.67% | State Bank of India |
| Operating Margin (TTM) | 0.07% | 35.02% | State Bank of India |
| EBITDA Margin (TTM) | 0.07% | 35.02% | State Bank of India |
| Return on Equity | 5.48% | 16.58% | State Bank of India |
| Return on Assets (TTM) | 4.69% | 1.16% | Pb Fintech |
| Free Cash Flow (TTM) | $-2.80B | $428.49B | State Bank of India |
| Dividend Yield | N/A | 2.01% | N/A |
| 1-Year Return | -0.76% | 9.51% | State Bank of India |
| Price-to-Sales Ratio (TTM) | 14.66 | 2.29 | State Bank of India |
| Enterprise Value | $753.16B | $10,157.32B | State Bank of India |
| EV/Revenue Ratio | 14.17 | 2.90 | State Bank of India |
| Gross Profit Margin (TTM) | 58.47% | N/A | N/A |
| Revenue per Share (TTM) | $116 | $393 | State Bank of India |
| Earnings per Share (Diluted) | $8.16 | $88.98 | State Bank of India |
| Beta (Stock Volatility) | 0.42 | 0.47 | Pb Fintech |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Pb Fintech vs State Bank of India Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pb Fintech | 1.46% | 1.40% | -7.09% | -6.00% | 8.57% | -19.76% |
| State Bank of India | 0.78% | 0.21% | 8.24% | 6.35% | 13.06% | 9.99% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pb Fintech | -0.76% | 248.75% | 27.63% | 27.63% | 27.63% | 27.63% |
| State Bank of India | 9.51% | 64.55% | 339.96% | 258.37% | 168.66% | 908.61% |
News Based Sentiment: Pb Fintech vs State Bank of India
Pb Fintech
News based Sentiment: MIXED
October was a pivotal month for PB Fintech, marked by a surprisingly large commission reduction and broader industry changes. While these moves position the company for potential long-term gains, they also introduce short-term revenue risks and highlight ongoing profitability challenges, creating a mixed investment narrative.
State Bank of India
News based Sentiment: POSITIVE
September was a strong month for SBI, marked by robust Q1 FY26 earnings, reaffirmed growth targets, and strategic moves in risk management and green financing. Analyst confidence remains high, supporting a positive outlook for the bank's future performance and solidifying its position as a leading financial institution.
Performance & Financial Health Analysis: Pb Fintech vs State Bank of India
| Metric | POLICYBZR | SBIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹780.19B | ₹8.07T |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 1,712,395 | 9,916,184 |
| 90 Day Avg. Volume | 1,251,008 | 7,909,296 |
| Last Close | ₹1,725.40 | ₹874.05 |
| 52 Week Range | ₹1,311.35 - ₹2,246.90 | ₹680.00 - ₹880.50 |
| % from 52W High | -23.21% | -0.73% |
| All-Time High | ₹2,246.90 (Dec 30, 2024) | ₹912.00 (Jun 03, 2024) |
| % from All-Time High | -23.21% | -4.16% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.33% | 0.10% |
| Quarterly Earnings Growth | 0.41% | 0.10% |
| Financial Health | ||
| Profit Margin (TTM) | 0.07% | 0.23% |
| Operating Margin (TTM) | 0.00% | 0.35% |
| Return on Equity (TTM) | 0.05% | 0.17% |
| Debt to Equity (MRQ) | 5.01 | 1.09 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹140.62 | ₹583.19 |
| Cash per Share (MRQ) | ₹60.49 | ₹422.70 |
| Operating Cash Flow (TTM) | ₹-2,328,300,000 | ₹1.94T |
| Levered Free Cash Flow (TTM) | ₹3.53B | ₹775.61B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 2.01% |
| Last 12-Month Dividend | N/A | ₹15.90 |
Valuation & Enterprise Metrics Analysis: Pb Fintech vs State Bank of India
| Metric | POLICYBZR | SBIN |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 208.39 | 9.76 |
| Forward P/E | 66.26 | 10.51 |
| PEG Ratio | 5.48 | 1.00 |
| Price to Sales (TTM) | 14.66 | 2.29 |
| Price to Book (MRQ) | 12.09 | 1.49 |
| Market Capitalization | ||
| Market Capitalization | ₹780.19B | ₹8.07T |
| Enterprise Value | ₹753.16B | ₹10.16T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 14.17 | 2.90 |
| Enterprise to EBITDA | 420.41 | N/A |
| Risk & Other Metrics | ||
| Beta | 0.42 | 0.47 |
| Book Value per Share (MRQ) | ₹140.62 | ₹583.19 |
Financial Statements Comparison: Pb Fintech vs State Bank of India
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | POLICYBZR | SBIN |
|---|---|---|
| Revenue/Sales | ₹13.48B | ₹887.25B |
| Cost of Goods Sold | ₹5.60B | N/A |
| Gross Profit | ₹7.88B | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | ₹9.10M | N/A |
| EBITDA | ₹1.35B | N/A |
| Pre-Tax Income | ₹923.40M | ₹292.29B |
| Income Tax | ₹76.90M | ₹76.02B |
| Net Income (Profit) | ₹846.50M | ₹221.21B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | POLICYBZR | SBIN |
|---|---|---|
| Cash & Equivalents | ₹5.61B | ₹3.90T |
| Total Current Assets | ₹38.53B | N/A |
| Total Current Liabilities | ₹7.51B | N/A |
| Long-Term Debt | ₹2.76B | ₹5.86T |
| Total Shareholders Equity | ₹64.38B | ₹5.40T |
| Retained Earnings | ₹-19.94B | N/A |
| Property, Plant & Equipment | ₹4.11B | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | POLICYBZR | SBIN |
|---|---|---|
| Operating Cash Flow | ₹2.23B | N/A |
| Capital Expenditures | ₹-27.13M | N/A |
| Free Cash Flow | ₹2.90B | N/A |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | POLICYBZR | SBIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Average Daily Volume (10 Day) | 1,712,395 | 9,916,184 |
| Average Daily Volume (90 Day) | 1,251,008 | 7,909,296 |
| Shares Outstanding | 457.97M | 8.92B |
| Float Shares | 338.90M | 4.09B |
| % Held by Insiders | 0.26% | 0.57% |
| % Held by Institutions | 0.52% | 0.28% |
Dividend Analysis & Yield Comparison: Pb Fintech vs State Bank of India
| Metric | POLICYBZR | SBIN |
|---|---|---|
| Last 12-Month Dividend | N/A | ₹15.90 |
| Last 12-Month Dividend Yield | N/A | 2.01% |
| 3-Year Avg Annual Dividend | N/A | ₹13.63 |
| 3-Year Avg Dividend Yield | N/A | 1.86% |
| 3-Year Total Dividends | N/A | ₹40.90 |
| Ex-Dividend Date | N/A | May 16, 2025 |