State Bank of India

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

State Bank of India

₹ 1,036 1.36%
10 Jul - close price
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[1]
As of Q3 FY26, the bank has a deposit market share of about 22% and a net advance share of 20% in India.

Website BSE NSE
  • Market Cap ₹ 9,56,292 Cr.
  • Current Price ₹ 1,036
  • High / Low ₹ 1,235 / 787
  • Stock P/E 11.5
  • Book Value ₹ 646
  • Dividend Yield 1.67 %
  • ROCE 6.13 %
  • ROE 15.4 %
  • Face Value ₹ 1.00
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Pros

  • Company has been maintaining a healthy dividend payout of 18.6%

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.43,52,830 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.1,97,711 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 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
98,083 101,460 107,391 112,868 117,469 118,242 121,045 124,654 126,840 125,729 128,040 130,386 131,080
Interest 53,451 58,045 62,955 68,092 70,644 71,701 73,619 77,397 78,227 78,266 78,002 78,783 79,953
59,965 49,080 59,365 62,635 65,418 53,996 62,709 64,890 74,438 59,496 72,265 76,799 75,050
Financing Profit -15,334 -5,665 -14,930 -17,858 -18,593 -7,455 -15,283 -17,634 -25,825 -12,034 -22,227 -25,196 -23,923
Financing Margin % -16% -6% -14% -16% -16% -6% -13% -14% -20% -10% -17% -19% -18%
38,769 30,873 36,865 33,103 47,445 33,883 42,758 43,200 52,722 41,263 50,884 55,262 49,999
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 23,436 25,208 21,936 15,245 28,852 26,428 27,474 25,566 26,897 29,229 28,657 30,067 26,076
Tax % 22% 26% 25% 26% 25% 26% 26% 25% 26% 26% 25% 27% 23%
18,769 19,094 16,648 11,598 22,203 20,094 20,565 19,484 20,379 22,121 21,861 22,176 20,508
EPS in Rs 20.27 20.77 18.04 12.40 23.96 21.65 22.17 21.12 21.96 23.76 22.90 23.09 21.28
Gross NPA % 2.53% 2.13%
Net NPA % 0.63% 0.52%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
207,974 220,633 230,447 228,970 253,322 269,852 278,115 289,973 350,845 439,189 490,313 514,933
Interest 133,179 143,047 149,115 146,603 155,867 161,124 156,010 156,194 189,981 259,736 300,943 315,005
96,675 109,985 145,666 169,065 166,104 172,909 192,821 197,349 204,303 239,750 252,043 278,781
Financing Profit -21,879 -32,399 -64,334 -86,697 -68,649 -64,181 -70,715 -63,570 -43,439 -60,297 -62,674 -78,853
Financing Margin % -11% -15% -28% -38% -27% -24% -25% -22% -12% -14% -13% -15%
49,315 52,828 68,193 77,557 77,365 98,159 107,222 117,000 122,534 155,386 173,031 197,711
Depreciation 1,581 2,252 2,915 3,105 3,496 3,662 3,711 3,691 3,696 3,849 3,991 4,830
Profit before tax 25,855 18,177 945 -12,245 5,220 30,317 32,796 49,739 75,399 91,240 106,365 114,028
Tax % 32% 30% 141% -66% 41% 40% 26% 27% 25% 25% 26% 25%
17,832 13,019 -97 -3,749 3,351 21,140 23,888 37,183 57,750 69,543 80,523 86,666
EPS in Rs 22.76 15.75 0.30 -5.11 2.58 22.15 25.11 39.64 62.35 75.17 86.91 90.24
Dividend Payout % 15% 17% 859% 0% 0% 0% 16% 18% 18% 18% 18% 19%
Compounded Sales Growth
10 Years: 9%
5 Years: 13%
3 Years: 14%
TTM: 5%
Compounded Profit Growth
10 Years: 21%
5 Years: 30%
3 Years: 14%
TTM: 7%
Stock Price CAGR
10 Years: 16%
5 Years: 19%
3 Years: 21%
1 Year: 28%
Return on Equity
10 Years: 11%
5 Years: 16%
3 Years: 17%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 747 776 797 892 892 892 892 892 892 892 892 923
Reserves 160,641 179,816 216,395 229,429 233,603 250,168 274,669 304,696 358,039 414,047 486,144 595,208
Deposits 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 6,043,097
Borrowing 244,663 361,399 336,366 369,079 413,748 332,901 433,796 449,160 521,152 639,610 610,857 777,302
240,149 276,472 288,391 294,860 299,676 339,364 420,926 518,719 605,796 712,669 775,938 904,646
Total Liabilities 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 8,321,176
12,924 15,415 51,189 42,035 39,941 39,608 41,600 41,032 45,880 46,072 47,716 59,772
CWIP 400 786 695 925 762 470 116 28 66 42 41 78
Investments 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 2,359,502
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 5,901,824
Total Assets 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 8,321,176

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
26,297 14,477 77,406 -96,508 29,556 23,929 89,919 57,695 -86,014 21,632 45,484 38,097
-3,424 -2,747 -4,572 13,053 220 -555 -3,670 -2,652 -966 -3,476 -3,387 9,240
-1,553 4,348 -4,196 5,547 448 5,430 7,143 -3,845 6,386 -9,896 -10,737 -3,427
Net Cash Flow 21,320 16,078 68,638 -77,908 30,223 28,803 93,392 51,198 -80,593 8,260 31,361 43,910
Free Cash Flow 22,848 10,701 72,982 -89,906 26,550 20,864 86,091 54,644 -86,014 17,457 39,847 29,734
CFO/OP 30% 22% 93% -148% 43% 40% 110% 72% -47% 27% 33% 32%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 11% 7% 0% -2% 1% 7% 9% 12% 17% 17% 17% 15%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Number of Domestic Branches
Count ・Standalone data

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Net NPA Ratio
% ・Standalone data
Gross NPA Ratio
% ・Standalone data
Slippage Ratio
% ・Standalone data
BC Outlets / Customer Service Points (CSPs)
Count ・Standalone data
Domestic Net Interest Margin (NIM)
% ・Standalone data
CASA Ratio (Share of Low-Cost Deposits)
% ・Standalone data
YONO Registered Users
Crore ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
57.47% 57.49% 57.49% 57.54% 57.54% 57.51% 57.43% 57.43% 57.42% 55.50% 55.50% 55.52%
10.36% 10.72% 10.91% 11.09% 11.15% 10.71% 10.27% 9.94% 9.33% 9.57% 10.34% 11.41%
24.83% 24.36% 24.15% 23.96% 23.61% 23.96% 24.79% 24.92% 25.54% 27.65% 27.04% 26.11%
0.03% 0.03% 0.03% 0.03% 0.03% 0.14% 0.14% 0.14% 0.14% 0.14% 0.13% 0.13%
7.30% 7.41% 7.40% 7.37% 7.67% 7.67% 7.35% 7.54% 7.56% 7.13% 6.97% 6.81%
No. of Shareholders 29,48,53630,29,11630,47,68531,50,35036,13,12737,91,51237,19,91338,26,54937,54,45936,18,55435,67,46137,63,427

* 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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