Pb Fintech [POLICYBZR] vs State Bank of India [SBIN] Detailed Stock Comparison

Pb Fintech Ltd.

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 Ltd. wins in 3 metrics, State Bank of India wins in 14 metrics, with 0 ties. State Bank of India appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pb Fintech Ltd. State Bank of India Better
P/E Ratio (TTM) 130.06 12.01 State Bank of India
Price-to-Book Ratio 11.02 1.72 State Bank of India
Debt-to-Equity Ratio 4.86 1.12 State Bank of India
PEG Ratio 0.49 2.89 Pb Fintech Ltd.
EV/EBITDA 211.98 N/A N/A
Profit Margin (TTM) 9.29% 22.50% State Bank of India
Operating Margin (TTM) 7.06% 29.68% State Bank of India
EBITDA Margin (TTM) 7.06% 29.68% State Bank of India
Return on Equity 5.48% 15.36% State Bank of India
Return on Assets (TTM) 4.69% 1.06% Pb Fintech Ltd.
Free Cash Flow (TTM) $-2.80B $428.49B State Bank of India
Dividend Yield N/A 2.01% N/A
1-Year Return -18.12% 28.37% State Bank of India
Price-to-Sales Ratio (TTM) 12.07 2.75 State Bank of India
Enterprise Value $730.31B $14,175.08B State Bank of India
EV/Revenue Ratio 11.70 3.83 State Bank of India
Gross Profit Margin (TTM) 65.75% N/A N/A
Revenue per Share (TTM) $136 $408 State Bank of India
Earnings per Share (Diluted) $12.50 $91.84 State Bank of India
Beta (Stock Volatility) 0.27 0.46 Pb Fintech Ltd.

Pb Fintech Ltd. vs State Bank of India Stock Performance Analysis

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POLICYBZR
SBIN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pb Fintech Ltd.2.15%4.58%-6.35%7.17%-17.92%-12.44%
State Bank of India0.36%3.96%5.99%-4.30%5.54%3.67%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pb Fintech Ltd.-18.12%136.94%16.17%16.17%16.17%16.17%
State Bank of India28.37%78.06%146.34%376.53%359.60%1,305.87%

Performance & Financial Health Analysis: Pb Fintech Ltd. vs State Bank of India

MetricPOLICYBZRSBIN
Market Information
Market Cap i₹773.91B₹10.16T
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i1,956,24420,281,858
90 Day Avg. Volume i1,631,84218,641,911
Last Close₹1,581.10₹1,020.85
52 Week Range₹1,364.00 - ₹1,978.00₹781.70 - ₹1,234.70
% from 52W High-20.07%-17.32%
All-Time High₹2,246.90 (Dec 30, 2024)₹1,234.70 (Feb 24, 2026)
% from All-Time High-29.63%-17.32%
Growth Metrics
Quarterly Revenue Growth0.37%0.15%
Quarterly Earnings Growth1.65%0.13%
Financial Health
Profit Margin (TTM) i0.09%0.23%
Operating Margin (TTM) i0.07%0.30%
Return on Equity (TTM) i0.05%0.15%
Debt to Equity (MRQ) i4.861.12
Cash & Liquidity
Book Value per Share (MRQ)₹147.57₹641.36
Cash per Share (MRQ)₹45.52₹339.52
Operating Cash Flow (TTM) i₹-2,328,300,000₹1.94T
Levered Free Cash Flow (TTM) i₹3.53B₹775.61B
Dividends
Last 12-Month Dividend Yield iN/A2.01%
Last 12-Month Dividend iN/A₹15.90

Valuation & Enterprise Metrics Analysis: Pb Fintech Ltd. vs State Bank of India

MetricPOLICYBZR (Apr 24, 2026)SBIN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i130.0612.01
Forward P/E i67.9211.99
PEG Ratio i0.492.89
Price to Sales (TTM) i12.072.75
Price to Book (MRQ) i11.021.72
Market Capitalization
Market Capitalization i₹773.91B₹10.16T
Enterprise Value i₹730.31B₹14.18T
Enterprise Value Metrics
Enterprise to Revenue i11.703.83
Enterprise to EBITDA i211.98N/A
Risk & Other Metrics
Beta i0.270.46
Book Value per Share (MRQ) i₹147.57₹641.36

Financial Statements Comparison: Pb Fintech Ltd. vs State Bank of India

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPOLICYBZR (2025)SBIN (2025)
Revenue/Sales i49.77B3.50T
Cost of Goods Sold i29.44BN/A
COGS % of Revenue i59.1%0.0%
Gross Profit i20.34BN/A
Gross Margin i40.9%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i-150.90MN/A
Operating Margin i-0.3%0.0%
EBITDA i4.48BN/A
EBITDA Margin i9.0%0.0%
Pre-Tax Income i3.88B1.06T
Pre-Tax Income % of Revenue i7.8%30.4%
Income Tax i344.60M273.48B
Income Tax % of Revenue i0.7%7.8%
Net Income (Profit) i3.53B805.23B
Profit Margin i7.1%23.0%

Balance Sheet & Liquidity Metrics

MetricPOLICYBZR (2025)SBIN (2025)
Cash & Equivalents i5.61B6.21T
Total Current Assets i38.53BN/A
Total Current Assets % of Revenue i77.4%0.0%
Total Current Liabilities i7.51BN/A
Total Current Liabilities % of Revenue i15.1%0.0%
Long-Term Debt i2.76B6.18T
Long-Term Debt % of Revenue i5.5%176.8%
Total Shareholders Equity i64.38B5.05T
Retained Earnings i-19.94B1.08T
Retained Earnings % of Revenue i-40.1%31.0%
Property, Plant & Equipment i4.11B881.22B

Cash Flow Statement Comparison

MetricPOLICYBZR (2025)SBIN (2025)
Operating Cash Flow i-2.33B1.94T
Operating Cash Flow % of Revenue i-4.7%55.6%
Capital Expenditures i-964.80M-56.37B
Free Cash Flow i-2.80B428.49B
FCF Margin i-5.6%12.3%
Debt Repayment iN/A-151.04B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPOLICYBZRSBIN
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i462.02M9.23B
Float Shares i342.56M4.09B
% Held by Insiders i26.05%56.92%
% Held by Institutions i53.62%28.92%
% Held by Public i20.33%14.16%

Dividend Analysis & Yield Comparison: Pb Fintech Ltd. vs State Bank of India

MetricPOLICYBZRSBIN
Last 12-Month Dividend iN/A₹15.90
Last 12-Month Dividend Yield iN/A2.01%
3-Year Avg Annual Dividend iN/A₹13.63
3-Year Avg Dividend Yield iN/A1.86%
3-Year Total Dividends iN/A₹40.90
Ex-Dividend DateN/AMay 16, 2025