Share Price and Basic Stock Data
Last Updated: November 19, 2025, 10:37 pm
| PEG Ratio | 0.65 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
State Bank of India (SBI), a prominent player in the public sector banking space, reported a current share price of ₹983 and a market capitalization of ₹9,07,046 Cr. The bank’s revenue trajectory has shown robust growth, rising from ₹76,781 Cr in June 2022 to ₹101,460 Cr by June 2023. This upward trend continued with revenues reaching ₹117,469 Cr in March 2024, and projected figures suggest a steady climb to ₹126,997 Cr by March 2025. The total revenue for the trailing twelve months (TTM) stood at ₹505,420 Cr, showcasing the bank’s ability to generate substantial income. Interest income, a vital component of SBI’s revenue, increased from ₹41,931 Cr in June 2022 to ₹58,045 Cr in June 2023, reflecting a healthy growth in lending activities. The bank’s ability to maintain a diverse revenue stream is evident as it reported other income of ₹38,769 Cr in March 2023, which is critical for offsetting potential fluctuations in interest income.
Profitability and Efficiency Metrics
SBI’s profitability metrics reflect a strong operational performance, with the bank recording a net profit of ₹83,845 Cr for the TTM. The net profit margin stood at 16.09% for March 2025, indicating effective cost management and revenue generation strategies. The return on equity (ROE) was impressive at 17.2%, which is considerably higher than the average for public sector banks in India, demonstrating efficient use of shareholders’ equity. However, the bank’s return on capital employed (ROCE) was lower at 6.47%, indicating potential inefficiencies in capital utilization compared to sector norms. Furthermore, the financing profit remained negative, with a figure of -₹62,049 Cr for March 2025, which raises concerns about the bank’s interest spread management. The cost-to-income ratio stood at 65.27%, which, while improved from previous years, still suggests that the bank has room for operational efficiency enhancements.
Balance Sheet Strength and Financial Ratios
SBI’s balance sheet exhibits significant strength, with total assets reported at ₹7,313,730 Cr for March 2025, an increase from ₹5,954,415 Cr in March 2023. The bank’s reserves have also grown substantially, reaching ₹568,389 Cr, which provides a buffer against potential losses. The equity capital remained stable at ₹892 Cr over the years, while borrowings were reported at ₹610,857 Cr, indicating a well-managed leverage position. The price-to-book value ratio stood at 1.50, suggesting that the stock is trading at a reasonable valuation relative to its book value. However, the net interest margin (NIM) of 2.59x is lower than the typical sector range, indicating potential challenges in interest income generation. The bank’s ability to manage its non-performing assets (NPAs) is crucial, with gross NPAs reported at 2.13% in September 2024, which, while improved, remains a critical focus area for maintaining asset quality.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBI indicates a stable investor base, with promoters holding 55.50% of the shares as of September 2025. Foreign institutional investors (FIIs) accounted for 9.57%, while domestic institutional investors (DIIs) held 27.65% of the stake, reflecting a healthy interest from institutional players. The public’s stake stood at 7.13%, suggesting a moderate retail investor presence. The number of shareholders increased to 36,18,554, indicating growing retail participation and confidence in the bank’s prospects. The consistency in promoter holding, coupled with the increasing DII participation, signals robust institutional confidence in SBI’s long-term strategy. However, the decline in FII holdings from a peak of 10.91% in March 2024 to 9.57% in September 2025 may signal caution among foreign investors, necessitating a closer examination of international market conditions and their impact on SBI’s performance.
Outlook, Risks, and Final Insight
The outlook for SBI remains cautiously optimistic, driven by its strong revenue growth and profitability metrics. However, risks such as the negative financing profit and the relatively high cost-to-income ratio present challenges that could impede further growth. Additionally, the bank’s ability to manage NPAs effectively will be critical in maintaining investor confidence and ensuring sustainable profitability. A potential strengthening of the economic environment could enhance lending opportunities, but external factors such as rising interest rates or regulatory changes could adversely affect performance. In scenarios where the bank successfully improves its interest margin and operational efficiency, it could see enhanced profitability. Conversely, any deterioration in asset quality or external economic shocks could pose significant risks, necessitating a vigilant approach to risk management and strategic planning.
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 | 1,17,893 Cr. | 154 | 159/101 | 6.38 | 165 | 3.07 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 39,989 Cr. | 31.8 | 52.0/26.8 | 15.9 | 25.9 | 1.22 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,07,046 Cr. | 983 | 984/680 | 11.5 | 617 | 1.62 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,766 Cr. | 125 | 125/85.5 | 8.44 | 124 | 2.32 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 22,253 Cr. | 31.3 | 56.3/25.2 | 19.2 | 19.2 | 0.22 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 152,178.08 Cr | 234.52 | 10.70 | 177.23 | 1.85% | 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: November 15, 2025, 4:24 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 | 505,420 |
| 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 | 311,893 |
| 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 | 271,090 |
| 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 | -77,563 |
| Financing Margin % | -8% | -11% | -15% | -28% | -38% | -27% | -24% | -25% | -22% | -12% | -14% | -13% | -15% |
| 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 | 187,912 |
| 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 | 110,349 |
| 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 | 83,845 |
| 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 | 89.74 |
| 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: 11.5 (Industry average Stock P/E: 10.7)
- 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%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | State Bank Bhavan, Mumbai Maharashtra 400021 | investor.complaints@sbi.co.in http://www.sbi.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Challa Sreenivasulu Setty | Chairman |
| Mr. Ashwini Kumar Tewari | Managing Director |
| Mr. Vinay M Tonse | Managing Director |
| Mr. Rana Ashutosh Kumar Singh | Managing Director |
| Mr. Rama Mohan Rao Amara | Managing Director |
| Mr. Ketan S Vikamsey | Non Executive Director |
| Mr. Mrugank M Paranjape | Non Executive Director |
| Mr. Rajesh Kumar Dubey | Non Executive Director |
| Mr. Dharmendra Singh Shekhawat | Non Executive Director |
| Mrs. Swati Gupta | Non Executive Director |
| Mr. Nagaraju Maddirala | Non Executive Director |
| Mr. Ajay Kumar | Non Executive Director |
FAQ
What is the intrinsic value of State Bank of India (SBI)?
State Bank of India (SBI)'s intrinsic value (as of 19 November 2025) is 992.16 which is 0.93% higher the current market price of 983.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 9,07,046 Cr. market cap, FY2025-2026 high/low of 984/680, 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 9,07,046 Cr..
What is the current Stock Price of State Bank of India (SBI) as on 19 November 2025?
The current stock price of State Bank of India (SBI) as on 19 November 2025 is 983.
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 984/680.
What is the Stock P/E of State Bank of India (SBI)?
The Stock P/E of State Bank of India (SBI) is 11.5.
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 1.62 %.
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.