State Bank of India

SBI Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

State Bank of India

₹ 801 -0.54%
08 Aug 11:46 a.m.
sbi.co.in BSE: 500112 NSE: SBIN
About

State Bank of India is a Fortune 500 company. It is an Indian Multinational, Public Sector banking and financial services statutory body headquartered in Mumbai. It is the largest and oldest bank in India with over 200 years of history.[1]

Key Points

Market Share
As of FY24, the bank has a deposit market share of about 22.55% and a net advance share of 19.06% in India. [1]

Website BSE NSE
  • Market Cap ₹ 7,39,280 Cr.
  • Current Price ₹ 801
  • High / Low ₹ 876 / 680
  • Stock P/E 9.56
  • Book Value ₹ 546
  • Dividend Yield 1.99 %
  • ROCE 6.47 %
  • ROE 17.2 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 36.3% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 18.2%

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -1.93%
  • Contingent liabilities of Rs.27,42,584 Cr.
  • Earnings include an other income of Rs.1,72,406 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
74,608 76,781 84,463 91,518 98,083 101,460 107,391 112,868 117,469 118,242 121,045 124,654 126,997
Interest 39,944 41,931 45,232 49,366 53,451 58,045 62,955 68,092 70,644 71,701 73,619 77,397 78,227
54,233 42,328 49,208 56,498 59,965 49,080 59,365 62,635 65,418 53,996 62,709 64,890 74,438
Financing Profit -19,569 -7,478 -9,977 -14,346 -15,334 -5,665 -14,930 -17,858 -18,593 -7,455 -15,283 -17,634 -25,668
Financing Margin % -26% -10% -12% -16% -16% -6% -14% -16% -16% -6% -13% -14% -20%
33,427 17,743 30,320 35,701 38,769 30,873 36,865 33,103 47,445 33,883 42,758 43,200 52,565
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 13,858 10,265 20,342 21,355 23,436 25,208 21,936 15,245 28,852 26,428 27,474 25,566 26,897
Tax % 28% 27% 26% 27% 22% 26% 25% 26% 25% 26% 26% 25% 26%
10,191 7,796 15,297 15,888 18,769 19,094 16,648 11,598 22,203 20,094 20,565 19,484 20,379
EPS in Rs 10.70 8.21 16.53 17.34 20.27 20.77 18.04 12.40 23.96 21.65 22.17 21.12 21.96
Gross NPA % 2.53% 2.13%
Net NPA % 0.63% 0.52%
Raw PDF
Upcoming result date: today

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
189,062 207,974 220,633 230,447 228,970 253,322 269,852 278,115 289,973 350,845 439,189 490,938
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
82,198 96,675 109,985 145,666 169,065 166,104 172,909 192,821 197,349 204,303 239,750 252,043
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
Financing Margin % -8% -11% -15% -28% -38% -27% -24% -25% -22% -12% -14% -13%
37,882 49,315 52,828 68,193 77,557 77,365 98,159 107,222 117,000 122,534 155,386 172,406
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
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
Tax % 32% 32% 30% 141% -66% 41% 40% 26% 27% 25% 25% 26%
14,807 17,832 13,019 -97 -3,749 3,351 21,140 23,888 37,183 57,750 69,543 80,523
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
Dividend Payout % 16% 15% 17% 859% 0% 0% 0% 16% 18% 18% 18% 18%
Compounded Sales Growth
10 Years: 9%
5 Years: 13%
3 Years: 19%
TTM: 12%
Compounded Profit Growth
10 Years: 16%
5 Years: 36%
3 Years: 30%
TTM: 16%
Stock Price CAGR
10 Years: 12%
5 Years: 33%
3 Years: 16%
1 Year: 0%
Return on Equity
10 Years: 10%
5 Years: 15%
3 Years: 17%
Last Year: 17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 747 747 776 797 892 892 892 892 892 892 892 892
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
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
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
185,573 240,149 276,472 288,391 294,860 299,676 339,364 420,926 518,719 605,796 712,669 775,938
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
10,223 12,924 15,415 51,189 42,035 39,941 39,608 41,600 41,032 45,880 46,072 47,716
CWIP 337 400 786 695 925 762 470 116 28 66 42 41
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
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
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

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
19,142 26,297 14,477 77,406 -96,508 29,556 23,929 89,919 57,695 -86,014 21,632 48,486
-791 -3,424 -2,747 -4,572 13,053 220 -555 -3,670 -2,652 -966 -3,476 -3,387
3,583 -1,553 4,348 -4,196 5,547 448 5,430 7,143 -3,845 6,386 -9,896 -13,739
Net Cash Flow 21,934 21,320 16,078 68,638 -77,908 30,223 28,803 93,392 51,198 -80,593 8,260 31,361

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Jul 2025
57.50% 57.49% 57.47% 57.49% 57.49% 57.54% 57.54% 57.51% 57.43% 57.43% 57.42% 55.50%
10.09% 9.89% 10.36% 10.72% 10.91% 11.09% 11.15% 10.71% 10.27% 9.94% 9.33% 9.98%
25.36% 25.20% 24.83% 24.36% 24.15% 23.96% 23.61% 23.96% 24.79% 24.92% 25.54% 27.08%
0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.14% 0.14% 0.14% 0.14% 0.14%
7.03% 7.40% 7.30% 7.41% 7.40% 7.37% 7.67% 7.67% 7.35% 7.54% 7.56% 7.30%
No. of Shareholders 27,97,19629,93,29829,48,53630,29,11630,47,68531,50,35036,13,12737,91,51237,19,91338,26,54937,54,45937,30,671

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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