` Comparison: 500034 vs SBIN - Alpha Spread
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500034
vs
SBIN

Over the past 12 months, BAJFINANCE has underperformed SBIN, delivering a return of +14% compared to the SBIN's +43% growth.

Valuation Growth Profitability Solvency Stocks Performance
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500034
SBIN
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Stocks Compared:
500034 SBIN
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Valuation Comparison

BAJFINANCE Intrinsic Value
864.63 INR
Overvaluation 10%
Intrinsic Value
Price
SBIN Intrinsic Value
1 013.18 INR
Overvaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Bajaj Finance Ltd
BSE:500034
963.6 INR
State Bank of India
NSE:SBIN
1 073.9 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
500034, SBIN

500034
SBIN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Bajaj Finance Ltd
Revenue
State Bank of India
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
500034, SBIN

500034
SBIN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Bajaj Finance Ltd
BSE:500034
State Bank of India
NSE:SBIN
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BAJFINANCE
60.5%
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
Bajaj Finance Ltd
State Bank of India
Not applicable for financial companies

Operating Margin

BAJFINANCE
43.2%
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
Bajaj Finance Ltd
State Bank of India
Not applicable for financial companies

Net Margin

BAJFINANCE
22.9%
SBIN
21.3%

FCF Margin

BAJFINANCE
-83.6%
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
Bajaj Finance Ltd
State Bank of India
Not applicable for financial companies

ROE

BAJFINANCE
19%
SBIN
15.7%

ROA

BAJFINANCE
3.9%
SBIN
1.1%

ROIC

BAJFINANCE
5.8%
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
Bajaj Finance Ltd
State Bank of India
Not applicable for financial companies

ROCE

BAJFINANCE
8.7%
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
Bajaj Finance Ltd
State Bank of India
Not applicable for financial companies

Solvency Comparison

Bajaj Finance Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
State Bank of India
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
500034, SBIN

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500034
SBIN
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
500034, SBIN

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500034
SBIN
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
500034, SBIN

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500034
SBIN
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