Share Price and Basic Stock Data
Last Updated: November 10, 2025, 10:26 pm
| PEG Ratio | 0.64 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
State Bank of India (SBI), a leading public sector bank, reported a remarkable revenue growth trajectory, with total revenue rising from ₹289,973 Cr in March 2022 to ₹350,845 Cr in March 2023, and projecting to reach ₹439,189 Cr by March 2024. This upward momentum continued with revenue for the trailing twelve months (TTM) reported at ₹498,424 Cr. Quarterly results reflect consistent growth, with revenue increasing from ₹76,781 Cr in June 2022 to ₹107,391 Cr by September 2023, showcasing a robust expansion in business operations. The bank’s interest income also mirrored this trend, escalating from ₹156,194 Cr in March 2022 to ₹189,981 Cr in March 2023. This growth is crucial as interest income constitutes a significant portion of SBI’s overall revenue, thus solidifying its position in the competitive banking sector. The bank’s ability to generate consistent revenue growth indicates a strong operational capacity, which is vital for maintaining its market leadership in India’s banking landscape.
Profitability and Efficiency Metrics
SBI’s profitability metrics show a positive outlook, with net profit increasing significantly from ₹37,183 Cr in March 2022 to ₹57,750 Cr in March 2023. The latest reported net profit for March 2025 stood at ₹80,523 Cr, reflecting effective cost management and operational efficiency. The return on equity (ROE) also demonstrated a commendable rise, reaching 17% in March 2023 and maintaining at 17% for the following years. Operating profit margin improved to 21.80% by March 2025, indicating enhanced profitability from core operations. However, financing profit remained negative, recorded at -₹60,297 Cr in March 2024, suggesting challenges in managing interest expenses relative to income. The bank’s net profit margin for March 2025 was reported at 16.09%, which is competitive compared to sector norms, highlighting its ability to convert revenue into profit effectively. Overall, SBI’s profitability indicators reveal a strong performance despite some challenges in financing margins, positioning it favorably within the banking sector.
Balance Sheet Strength and Financial Ratios
SBI’s balance sheet reflects substantial strength, with total assets reported at ₹7,313,730 Cr by March 2025, indicating robust growth from ₹5,954,415 Cr in March 2023. The bank’s reserves also increased significantly, reaching ₹486,144 Cr in March 2025, which supports its capital adequacy and provides a cushion against potential losses. The debt levels, while rising, are manageable, with borrowings standing at ₹610,857 Cr. SBI’s cost to income ratio improved to 65.27% by March 2025, demonstrating efficient cost management in generating income. The bank’s net interest margin stood at 2.59, which is within a competitive range for the sector. However, the financing margin remains a concern, reported at -13% for March 2025, indicating that interest expenses continue to outpace interest income. This aspect may require strategic adjustments to enhance overall profitability. The bank’s financial ratios suggest a solid foundation but highlight areas for improvement in its funding strategies to maximize earnings.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBI reflects a stable investor base, with promoters holding 55.50% as of July 2025. Foreign Institutional Investors (FIIs) have a stake of 9.98%, while Domestic Institutional Investors (DIIs) hold 27.08% of the shares, demonstrating a balanced distribution of ownership. The increase in DII holdings from 25.36% in December 2022 to 27.08% in July 2025 indicates growing confidence among domestic institutional investors. The total number of shareholders reached 37,30,671, highlighting increased retail participation in SBI’s equity. The public’s stake remains relatively small at 7.30%, suggesting that SBI may have room for increasing retail interest. This diverse shareholder base underpins investor confidence in SBI’s long-term prospects, reinforced by its financial performance. The stability in promoter holdings alongside increasing DII participation can be viewed as a strong endorsement of SBI’s strategic direction and operational performance.
Outlook, Risks, and Final Insight
SBI’s outlook appears positive, driven by strong revenue growth, improving profitability, and a solid balance sheet. However, several risks must be monitored, including the persistent negative financing profit, which could impact overall profitability if not addressed. Additionally, the bank’s exposure to fluctuations in interest rates could pose challenges to its net interest margin, especially in a rising rate environment. The bank’s significant borrowings may also increase interest expense pressures. Nevertheless, SBI’s robust capital reserves and diversified income streams provide a buffer against potential economic shocks. The ongoing digital transformation initiatives could further enhance operational efficiency and customer engagement, positioning SBI to capitalize on future growth opportunities. If managed effectively, the bank can leverage its strengths to navigate challenges and sustain its leadership in the Indian banking sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of State Bank of India (SBI)
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,17,741 Cr. | 154 | 159/101 | 6.37 | 165 | 3.08 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 40,440 Cr. | 32.3 | 52.0/26.8 | 16.1 | 25.9 | 1.21 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,77,878 Cr. | 951 | 971/680 | 11.2 | 617 | 1.67 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,40,524 Cr. | 122 | 124/85.5 | 8.25 | 124 | 2.37 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,954 Cr. | 30.9 | 56.3/25.2 | 19.0 | 19.2 | 0.23 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 147,920.15 Cr | 229.02 | 10.51 | 177.23 | 1.90% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 76,781 | 84,463 | 91,518 | 98,083 | 101,460 | 107,391 | 112,868 | 117,469 | 118,242 | 121,045 | 124,654 | 126,997 | 125,729 |
| Interest | 41,931 | 45,232 | 49,366 | 53,451 | 58,045 | 62,955 | 68,092 | 70,644 | 71,701 | 73,619 | 77,397 | 78,227 | 78,266 |
| Expenses | 42,328 | 49,208 | 56,498 | 59,965 | 49,080 | 59,365 | 62,635 | 65,418 | 53,996 | 62,709 | 64,890 | 74,438 | 59,496 |
| Financing Profit | -7,478 | -9,977 | -14,346 | -15,334 | -5,665 | -14,930 | -17,858 | -18,593 | -7,455 | -15,283 | -17,634 | -25,668 | -12,034 |
| Financing Margin % | -10% | -12% | -16% | -16% | -6% | -14% | -16% | -16% | -6% | -13% | -14% | -20% | -10% |
| Other Income | 17,743 | 30,320 | 35,701 | 38,769 | 30,873 | 36,865 | 33,103 | 47,445 | 33,883 | 42,758 | 43,200 | 52,565 | 41,263 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 10,265 | 20,342 | 21,355 | 23,436 | 25,208 | 21,936 | 15,245 | 28,852 | 26,428 | 27,474 | 25,566 | 26,897 | 29,229 |
| Tax % | 27% | 26% | 27% | 22% | 26% | 25% | 26% | 25% | 26% | 26% | 25% | 26% | 26% |
| Net Profit | 7,796 | 15,297 | 15,888 | 18,769 | 19,094 | 16,648 | 11,598 | 22,203 | 20,094 | 20,565 | 19,484 | 20,379 | 22,121 |
| EPS in Rs | 8.21 | 16.53 | 17.34 | 20.27 | 20.77 | 18.04 | 12.40 | 23.96 | 21.65 | 22.17 | 21.12 | 21.96 | 23.76 |
| Gross NPA % | 2.53% | 2.13% | |||||||||||
| Net NPA % | 0.63% | 0.52% |
Last Updated: August 20, 2025, 3:10 am
Below is a detailed analysis of the quarterly data for State Bank of India (SBI) based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 78,266.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 78,227.00 Cr. (Mar 2025) to 78,266.00 Cr., marking an increase of 39.00 Cr..
- For Expenses, as of Jun 2025, the value is 59,496.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 74,438.00 Cr. (Mar 2025) to 59,496.00 Cr., marking a decrease of 14,942.00 Cr..
- For Other Income, as of Jun 2025, the value is 41,263.00 Cr.. The value appears to be declining and may need further review. It has decreased from 52,565.00 Cr. (Mar 2025) to 41,263.00 Cr., marking a decrease of 11,302.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 29,229.00 Cr.. The value appears strong and on an upward trend. It has increased from 26,897.00 Cr. (Mar 2025) to 29,229.00 Cr., marking an increase of 2,332.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 26.00%.
- For Net Profit, as of Jun 2025, the value is 22,121.00 Cr.. The value appears strong and on an upward trend. It has increased from 20,379.00 Cr. (Mar 2025) to 22,121.00 Cr., marking an increase of 1,742.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 23.76. The value appears strong and on an upward trend. It has increased from 21.96 (Mar 2025) to 23.76, marking an increase of 1.80.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:23 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 189,062 | 207,974 | 220,633 | 230,447 | 228,970 | 253,322 | 269,852 | 278,115 | 289,973 | 350,845 | 439,189 | 490,938 | 498,424 |
| Interest | 121,479 | 133,179 | 143,047 | 149,115 | 146,603 | 155,867 | 161,124 | 156,010 | 156,194 | 189,981 | 259,736 | 300,943 | 307,509 |
| Expenses | 82,198 | 96,675 | 109,985 | 145,666 | 169,065 | 166,104 | 172,909 | 192,821 | 197,349 | 204,303 | 239,750 | 252,043 | 261,534 |
| Financing Profit | -14,614 | -21,879 | -32,399 | -64,334 | -86,697 | -68,649 | -64,181 | -70,715 | -63,570 | -43,439 | -60,297 | -62,049 | -70,619 |
| Financing Margin % | -8% | -11% | -15% | -28% | -38% | -27% | -24% | -25% | -22% | -12% | -14% | -13% | -14% |
| Other Income | 37,882 | 49,315 | 52,828 | 68,193 | 77,557 | 77,365 | 98,159 | 107,222 | 117,000 | 122,534 | 155,386 | 172,406 | 179,786 |
| Depreciation | 1,942 | 1,581 | 2,252 | 2,915 | 3,105 | 3,496 | 3,662 | 3,711 | 3,691 | 3,696 | 3,849 | 3,991 | 0 |
| Profit before tax | 21,326 | 25,855 | 18,177 | 945 | -12,245 | 5,220 | 30,317 | 32,796 | 49,739 | 75,399 | 91,240 | 106,365 | 109,167 |
| Tax % | 32% | 32% | 30% | 141% | -66% | 41% | 40% | 26% | 27% | 25% | 25% | 26% | |
| Net Profit | 14,807 | 17,832 | 13,019 | -97 | -3,749 | 3,351 | 21,140 | 23,888 | 37,183 | 57,750 | 69,543 | 80,523 | 82,550 |
| EPS in Rs | 18.99 | 22.76 | 15.75 | 0.30 | -5.11 | 2.58 | 22.15 | 25.11 | 39.64 | 62.35 | 75.17 | 86.91 | 89.01 |
| Dividend Payout % | 16% | 15% | 17% | 859% | 0% | 0% | 0% | 16% | 18% | 18% | 18% | 18% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 20.43% | -26.99% | -100.75% | -3764.95% | 189.38% | 530.86% | 13.00% | 55.66% | 55.31% | 20.42% | 15.79% |
| Change in YoY Net Profit Growth (%) | 0.00% | -47.42% | -73.75% | -3664.20% | 3954.33% | 341.47% | -517.86% | 42.66% | -0.34% | -34.89% | -4.63% |
State Bank of India (SBI) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 13% |
| 3 Years: | 19% |
| TTM: | 9% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 36% |
| 3 Years: | 30% |
| TTM: | 9% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 31% |
| 3 Years: | 15% |
| 1 Year: | -1% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 15% |
| 3 Years: | 17% |
| Last Year: | 17% |
Last Updated: September 5, 2025, 1:36 pm
Balance Sheet
Last Updated: November 9, 2025, 3:00 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 747 | 747 | 776 | 797 | 892 | 892 | 892 | 892 | 892 | 892 | 892 | 892 | 923 |
| Reserves | 146,624 | 160,641 | 179,816 | 216,395 | 229,429 | 233,603 | 250,168 | 274,669 | 304,696 | 358,039 | 414,047 | 486,144 | 568,389 |
| Deposits | 1,838,852 | 2,052,961 | 2,253,858 | 2,599,811 | 2,722,178 | 2,940,541 | 3,274,161 | 3,715,331 | 4,087,411 | 4,468,536 | 4,966,537 | 5,439,898 | 5,655,559 |
| Borrowing | 223,760 | 244,663 | 361,399 | 336,366 | 369,079 | 413,748 | 332,901 | 433,796 | 449,160 | 521,152 | 639,610 | 610,857 | 650,303 |
| Other Liabilities | 185,573 | 240,149 | 276,472 | 288,391 | 294,860 | 299,676 | 339,364 | 420,926 | 518,719 | 605,796 | 712,669 | 775,938 | 798,225 |
| Total Liabilities | 2,395,556 | 2,699,161 | 3,072,321 | 3,441,760 | 3,616,439 | 3,888,460 | 4,197,486 | 4,845,615 | 5,360,878 | 5,954,415 | 6,733,756 | 7,313,730 | 7,673,400 |
| Fixed Assets | 10,223 | 12,924 | 15,415 | 51,189 | 42,035 | 39,941 | 39,608 | 41,600 | 41,032 | 45,880 | 46,072 | 47,716 | 54,362 |
| CWIP | 337 | 400 | 786 | 695 | 925 | 762 | 470 | 116 | 28 | 66 | 42 | 41 | 0 |
| Investments | 579,401 | 673,507 | 807,375 | 1,027,281 | 1,183,794 | 1,119,270 | 1,228,284 | 1,595,100 | 1,776,490 | 1,913,108 | 2,110,548 | 2,205,601 | 2,276,621 |
| Other Assets | 1,805,595 | 2,012,329 | 2,248,746 | 2,362,594 | 2,389,685 | 2,728,487 | 2,929,123 | 3,208,798 | 3,543,328 | 3,995,361 | 4,577,093 | 5,060,371 | 5,342,416 |
| Total Assets | 2,395,556 | 2,699,161 | 3,072,321 | 3,441,760 | 3,616,439 | 3,888,460 | 4,197,486 | 4,845,615 | 5,360,878 | 5,954,415 | 6,733,756 | 7,313,730 | 7,673,400 |
Below is a detailed analysis of the balance sheet data for State Bank of India (SBI) based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 923.00 Cr.. The value appears strong and on an upward trend. It has increased from 892.00 Cr. (Mar 2025) to 923.00 Cr., marking an increase of 31.00 Cr..
- For Reserves, as of Sep 2025, the value is 568,389.00 Cr.. The value appears strong and on an upward trend. It has increased from 486,144.00 Cr. (Mar 2025) to 568,389.00 Cr., marking an increase of 82,245.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 798,225.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 775,938.00 Cr. (Mar 2025) to 798,225.00 Cr., marking an increase of 22,287.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 7,673,400.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,313,730.00 Cr. (Mar 2025) to 7,673,400.00 Cr., marking an increase of 359,670.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 54,362.00 Cr.. The value appears strong and on an upward trend. It has increased from 47,716.00 Cr. (Mar 2025) to 54,362.00 Cr., marking an increase of 6,646.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 41.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 41.00 Cr..
- For Investments, as of Sep 2025, the value is 2,276,621.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,205,601.00 Cr. (Mar 2025) to 2,276,621.00 Cr., marking an increase of 71,020.00 Cr..
- For Other Assets, as of Sep 2025, the value is 5,342,416.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,060,371.00 Cr. (Mar 2025) to 5,342,416.00 Cr., marking an increase of 282,045.00 Cr..
- For Total Assets, as of Sep 2025, the value is 7,673,400.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,313,730.00 Cr. (Mar 2025) to 7,673,400.00 Cr., marking an increase of 359,670.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 81.00 | 94.00 | 107.00 | 143.00 | 167.00 | 164.00 | 169.00 | 189.00 | 193.00 | 200.00 | 235.00 | 247.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 11% | 7% | 0% | -2% | 1% | 7% | 9% | 12% | 17% | 17% | 17% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Nifty 50 ETF | 70,618,505 | 2.59 | 4534.06 | 70,618,505 | 2025-04-22 16:21:54 | 0% |
| SBI S&P BSE Sensex ETF | 50,025,415 | 2.99 | 3211.38 | 50,025,415 | 2025-04-22 16:21:54 | 0% |
| SBI Equity Hybrid Fund | 44,000,000 | 4.4 | 2825.02 | 44,000,000 | 2025-04-22 15:16:47 | 0% |
| HDFC Balanced Advantage Fund - Regular Plan | 40,657,271 | 3.56 | 2610.4 | 40,657,271 | 2025-04-22 16:21:54 | 0% |
| HDFC Flexi Cap Fund - Regular Plan | 36,000,000 | 5.03 | 2311.38 | 36,000,000 | 2025-04-22 16:21:54 | 0% |
| SBI Focused Equity Fund | 27,000,000 | 5.5 | 1733.54 | 27,000,000 | 2025-04-22 15:17:20 | 0% |
| Kotak Flexicap Fund - Regular Plan | 25,000,000 | 3.6 | 1605.13 | 25,000,000 | 2025-04-22 14:53:35 | 0% |
| Mirae Asset Large Cap Fund | 20,552,019 | 3.48 | 1319.54 | 20,552,019 | 2025-04-22 16:21:54 | 0% |
| UTI Nifty 50 ETF | 19,477,664 | 2.59 | 1250.56 | 19,477,664 | 2025-04-22 16:21:54 | 0% |
| Mirae Asset Large & Midcap Fund | 18,655,887 | 3.69 | 1197.8 | 18,655,887 | 2025-04-22 16:21:54 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 86.91 | 75.17 | 62.35 | 39.64 | 25.11 |
| Diluted EPS (Rs.) | 86.91 | 75.17 | 62.35 | 39.64 | 25.11 |
| Cash EPS (Rs.) | 93.01 | 80.66 | 67.51 | 44.87 | 31.36 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 515.07 | 434.06 | 371.08 | 316.22 | 282.35 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 545.72 | 464.94 | 402.18 | 342.41 | 308.77 |
| Operating Revenue / Share (Rs.) | 550.09 | 492.11 | 393.12 | 324.91 | 311.63 |
| Net Profit / Share (Rs.) | 88.54 | 76.35 | 63.37 | 40.74 | 27.21 |
| Net Profit After MI / Share (Rs.) | 86.91 | 75.17 | 62.35 | 39.64 | 25.11 |
| Net Profit Margin (%) | 16.09 | 15.51 | 16.12 | 12.53 | 8.73 |
| Net Profit After MI And SOA Nargin (%) | 15.79 | 15.27 | 15.86 | 12.19 | 8.05 |
| Operating Profit Margin (%) | 21.80 | 20.34 | 19.95 | 14.49 | 10.58 |
| Return On Assets (%) | 1.06 | 0.99 | 0.93 | 0.65 | 0.46 |
| Return On Equity / Networth (%) | 16.87 | 17.31 | 16.80 | 12.53 | 8.89 |
| Net Interest Margin (X) | 2.59 | 2.66 | 2.70 | 2.49 | 2.51 |
| Cost To Income (%) | 65.27 | 70.44 | 66.97 | 69.52 | 65.59 |
| Interest Income / Total Assets (%) | 6.71 | 6.52 | 5.89 | 5.40 | 5.73 |
| Non-Interest Income / Total Assets (%) | 2.35 | 2.30 | 2.05 | 2.18 | 2.21 |
| Operating Profit / Total Assets (%) | -1.27 | -1.29 | -1.10 | -1.50 | -1.71 |
| Operating Expenses / Total Assets (%) | 3.23 | 3.50 | 3.18 | 3.25 | 3.10 |
| Interest Expenses / Total Assets (%) | 4.11 | 3.85 | 3.19 | 2.91 | 3.21 |
| Enterprise Value (Rs.Cr.) | 6511893.79 | 6052456.95 | 5209748.34 | 4718824.31 | 4260797.07 |
| EV Per Net Sales (X) | 13.26 | 13.78 | 14.85 | 16.27 | 15.32 |
| Price To Book Value (X) | 1.50 | 1.73 | 1.41 | 1.56 | 1.29 |
| Price To Sales (X) | 1.40 | 1.53 | 1.33 | 1.52 | 1.17 |
| Retention Ratios (%) | 81.70 | 81.77 | 81.87 | 82.08 | 84.06 |
| Earnings Yield (X) | 0.11 | 0.09 | 0.11 | 0.08 | 0.06 |
After reviewing the key financial ratios for State Bank of India (SBI), here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 86.91. This value is within the healthy range. It has increased from 75.17 (Mar 24) to 86.91, marking an increase of 11.74.
- For Diluted EPS (Rs.), as of Mar 25, the value is 86.91. This value is within the healthy range. It has increased from 75.17 (Mar 24) to 86.91, marking an increase of 11.74.
- For Cash EPS (Rs.), as of Mar 25, the value is 93.01. This value is within the healthy range. It has increased from 80.66 (Mar 24) to 93.01, marking an increase of 12.35.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 515.07. It has increased from 434.06 (Mar 24) to 515.07, marking an increase of 81.01.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 545.72. It has increased from 464.94 (Mar 24) to 545.72, marking an increase of 80.78.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 88.54. This value is within the healthy range. It has increased from 76.35 (Mar 24) to 88.54, marking an increase of 12.19.
- For Net Profit Margin (%), as of Mar 25, the value is 16.09. This value exceeds the healthy maximum of 10. It has increased from 15.51 (Mar 24) to 16.09, marking an increase of 0.58.
- For Return On Assets (%), as of Mar 25, the value is 1.06. This value is below the healthy minimum of 5. It has increased from 0.99 (Mar 24) to 1.06, marking an increase of 0.07.
- For Retention Ratios (%), as of Mar 25, the value is 81.70. This value exceeds the healthy maximum of 70. It has decreased from 81.77 (Mar 24) to 81.70, marking a decrease of 0.07.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in State Bank of India (SBI):
- Net Profit Margin: 16.09%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 11.2 (Industry average Stock P/E: 10.51)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 16.09%
FAQ
What is the intrinsic value of State Bank of India (SBI)?
State Bank of India (SBI)'s intrinsic value (as of 10 November 2025) is 966.75 which is 1.66% higher the current market price of 951.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 8,77,878 Cr. market cap, FY2025-2026 high/low of 971/680, reserves of ₹568,389 Cr, and liabilities of 7,673,400 Cr.
What is the Market Cap of State Bank of India (SBI)?
The Market Cap of State Bank of India (SBI) is 8,77,878 Cr..
What is the current Stock Price of State Bank of India (SBI) as on 10 November 2025?
The current stock price of State Bank of India (SBI) as on 10 November 2025 is 951.
What is the High / Low of State Bank of India (SBI) stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of State Bank of India (SBI) stocks is 971/680.
What is the Stock P/E of State Bank of India (SBI)?
The Stock P/E of State Bank of India (SBI) is 11.2.
What is the Book Value of State Bank of India (SBI)?
The Book Value of State Bank of India (SBI) is 617.
What is the Dividend Yield of State Bank of India (SBI)?
The Dividend Yield of State Bank of India (SBI) is 1.67 %.
What is the ROCE of State Bank of India (SBI)?
The ROCE of State Bank of India (SBI) is 6.47 %.
What is the ROE of State Bank of India (SBI)?
The ROE of State Bank of India (SBI) is 17.2 %.
What is the Face Value of State Bank of India (SBI)?
The Face Value of State Bank of India (SBI) is 1.00.