SBIN - State Bank Of India Share Price

Banks

₹788.15-23.60(-2.91%)

Market Closed as of Apr 30, 2025, 15:30 IST

What does State Bank Of India do?

Public Sector Bank•Financial Services•Large Cap

State Bank of India (SBI) is a prominent Public Sector Bank, and its stock is traded under the ticker SBIN.

With a substantial market capitalization of Rs. 653,951.5 Crores, SBI plays a vital role in providing a wide array of banking products and services to various customers, including individuals, commercial enterprises, corporates, public bodies, and institutions both in India and around the globe.

The bank operates through several segments, including Treasury, Corporate/Wholesale Banking, Retail Banking, Insurance Business, and Other Banking Services.

In the realm of personal banking, SBI offers:

Current, savings, and salary accounts
Fixed and recurring deposits
Various types of loans such as home, personal, auto, education, and gold loans
Loans against insurance policies, property, and securities
Overdrafts, mutual funds, and insurance products
Equity trading and portfolio investment schemes
Digital lending and mobile, internet, and digital banking services

For corporate clients, SBI provides:

Corporate accounts and a range of financing solutions
Services such as corporate term loans, working capital and project finance
Trade products and cash management services

Additionally, SBI extends its services to Non-Resident Indians (NRI) and SMEs, offering accounts, remittances, agricultural banking, supply chain finance, and international banking solutions.

The company also has a footprint in life and general insurance, estate planning, merchant banking, advisory services, asset management, credit cards, and fund accounting.

Founded in 1806 and headquartered in Mumbai, India, SBI reported a trailing 12-month revenue of Rs. 648,695.4 Crores and achieved a profit of Rs. 80,812.2 Crores over the last four quarters. The bank has experienced a significant revenue growth of 61.2% over the past three years.

Moreover, SBI is committed to its investors, offering a dividend yield of 2.89% per year, with a recent return of Rs. 25 per share in dividends.

Industry Group:Banks

Employees:232,296

Website:www.sbi.co.in

Valuation
Market Cap	7.03 LCr
Price/Earnings (Trailing)	8.7
Price/Sales (Trailing)	1.08
EV/EBITDA	1.75
Price/Free Cashflow	33.36
MarketCap/EBT	6.49

Fundamentals
Revenue (TTM)	6.49 LCr
Rev. Growth (Yr)	9.66%
Rev. Growth (Qtr)	2.47%
Earnings (TTM)	80.81 kCr
Earnings Growth (Yr)	69.95%
Earnings Growth (Qtr)	-5.16%

Profitability
Operating Margin	18.92%
EBT Margin	16.7%
Return on Equity	1.16%
Return on Assets	0.00%
Free Cashflow Yield	3%

Pros

Smart Money: Smart money has been increasing their position in the stock.

Size: It is among the top 200 market size companies of india.

Dividend: Dividend paying stock. Dividend yield of 2.89%.

Growth: Good revenue growth. With 61.2% growth over past three years, the company is going strong.

Balance Sheet: Strong Balance Sheet.

Profitability: Recent profitability of 12% is a good sign.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: SBIN vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

SBIN metrics compared to Banks

Category	SBIN	Banks
PE	8.70	8.22
PS	1.08	1.02
Growth	14.5 %	9.5 %

Performance Comparison

SBIN vs Banks (2021 - 2025)

Key Insights

1. SBIN is among the Top 3 Public Sector Bank companies by market cap.
2. The company holds a market share of 43.3% in Public Sector Bank.
3. In last one year, the company has had an above average growth that other Public Sector Bank companies.

Balance Sheet for State Bank Of India

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Cash balances with RBI	17.3%	264,028	225,142	260,164	247,088	233,908	257,859
Investments	-0.3%	1,665,511	1,671,340	1,692,617	1,570,366	1,555,322	1,481,445
Fixed assets	1.1%	43,084	42,617	42,380	42,382	41,738	37,708
Other assets	-2.6%	439,339	450,964	396,496	397,062	357,504	339,925
Capital	0%	892	892	892	892	892	892
Reserves and surplus	11.2%	418,667	376,354	358,335	326,716	304,020	279,196
Borrowings	-6.5%	558,816	597,561	512,713	493,135	488,608	426,043
Other liabilities and provisions	-14.9%	245,800	288,810	265,160	272,457	216,025	229,932

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Cash balances with RBI	17.3%	264,389	225,356	260,346	247,321	234,104	258,086
Fixed assets	1.2%	45,239	44,708	44,386	44,407	43,608	39,510
Other assets	-2.3%	457,130	467,677	412,704	410,689	370,953	351,902
Capital	0%	892	892	892	892	892	892
Reserves and surplus	11.7%	479,919	429,665	407,566	370,875	332,231	304,696
Borrowings	-5.2%	606,663	639,610	547,899	521,152	515,722	449,160
Other liabilities and provisions	1%	704,118	697,075	624,140	592,963	522,503	518,725

Latest News and Updates from State Bank Of India

Updated May 1, 2025

The State Bank of India (SBI) has scheduled a board meeting for May 3, 2025, to discuss its financial results, anticipating a 10% decline in net profit despite growth in net interest income. The bank's decision to postpone its $1.7 billion bond fundraising due to high yields highlights its cautious approach to current market conditions. However, SBI's recent successful $1 billion loan issuance reflects some optimism in the foreign-currency debt market. Overall, the mixed financial outlook points to challenges ahead for SBI.

The Bad News

Mint

SBI is projected to report a 10% year-on-year decline in net profit for Q4FY25, despite a 2.6% increase in net interest income.

Yahoo Finance

The bank has decided to postpone its $1.7 billion bond fundraising plan due to elevated bond yields, reflecting a cautious stance in challenging market conditions.

Republic World

The trading window for designated persons will remain closed until 48 hours after the financial results are disclosed, reflecting the cautious environment ahead of earnings announcements.

The Good News

Yahoo Finance

SBI successfully raised $1 billion in the largest dollar-denominated syndicated loan from India this year, signaling a positive impact on the foreign-currency debt market.

Analytics Insight

SBI's stock has appreciated by 9.32% over the past month, indicating renewed investor confidence.

Analytics Insight

The bank reported a net profit of ₹61,077 crore for FY24, reflecting a 22% increase from the previous year and a substantial dividend declaration.

This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.

Share Holdings

Understand State Bank Of India ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
PRESIDENT OF INDIA	57.43%
SBI MUTUAL FUND SCHEMES	2.96%
ICICI MUTUAL FUND SCHEMES	1.67%
NPS TRUST SCHEMES	1.49%
HDFC MUTUAL FUND SCHEMES	1.34%
NIPPON LIFE INDIA MUTUAL FUND SCHEMES	1.21%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Revenue Breakdown

Analysis of State Bank Of India's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Dec 31, 2024

Description	Share	Value
Retail Banking oprations- Other Retail Banking	35.6%	60.3 kCr
Corporate/ Wholesale Banking operations	21.6%	36.6 kCr
Insurance Business	19.0%	32.3 kCr
Treasury operations	18.5%	31.5 kCr
Other Banking operations	4.5%	7.6 kCr
Retail Banking oprations- Digital Banking	0.8%	1.4 kCr
Total		1.7 LCr

Income Statement for State Bank Of India

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	30%	297,310	228,741	177,475	176,780	-	-
Revenue on investments	14.6%	122,378	106,825	93,478	87,131	-	-
Interest on balances with RBI and others	51.7%	5,942	3,916	4,608	4,541	-	-
Other interest	19.3%	13,558	11,363	14,412	9,663	-	-
Total interest earned	25.2%	439,189	350,845	289,973	278,115	-	-
Other income	26.8%	155,386	122,534	117,000	105,855	-	-
Total income	25.6%	594,575	473,378	406,973	383,971	-	-
Total expenditure	28.6%	488,530	379,795	323,139	306,440	-	-
Interest expended	36.7%	259,736	189,981	156,194	156,010	-	-
Employees cost	23.7%	76,571	61,921	54,027	54,331	-	-
Other operating expenses	19%	152,223	127,894	112,918	96,099	-	-
Operating expenses	20.5%	228,794	189,814	166,945	150,430	-	-
Operating profit	13.3%	106,045	93,583	83,834	77,531	-	-
Provisions other than tax and contingencies	-57.6%	7,705	18,184	26,677	46,102	-	-
Exceptional items	-	-7,100	0	-7,418.39	1,367	-	-
Profit before tax	21%	91,240	75,399	49,739	32,796	-	-
Tax expense	22.6%	23,102	18,840	13,382	8,516	-	-
Profit after tax	20.5%	68,138	56,558	36,356	24,280	-	-
Extraordinary items	-	0	0	0	-1,874.26	-	-
Net profit (loss) for the period	20.5%	68,138	56,558	36,356	22,405	-	-
Profit (loss) of minority interest	17%	2,459	2,102	1,809	0	-	-
CET 1 ratio	-	0	0	0.0994	0.1002	-	-
Additional tier 1 ratio	-	0	0	0.0148	0.0142	-	-
Gross non performing assets	-	0	0	112,023	0	-	-
Non performing assets	-	0	0	27,966	0	-	-
Return on assets	-	0	0	067	0	-	-

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	2.3%	86,034	84,081	81,212	79,610	75,881	72,535
Revenue on investments	3.3%	33,246	32,199	32,080	31,816	31,882	30,525
Interest on balances with RBI and others	33.1%	1,838	1,381	1,400	1,455	1,551	1,457
Other interest	4.5%	3,536	3,384	3,551	4,589	3,554	2,873
Total interest earned	3%	124,654	121,045	118,242	117,469	112,868	107,391
Other income	1%	43,200	42,758	33,883	47,445	40,203	36,865
Total income	2.5%	167,854	163,802	152,125	164,914	153,072	144,256
Total expenditure	7.3%	140,289	130,742	121,290	133,671	129,282	121,553
Interest expended	5.1%	77,397	73,619	71,701	70,644	68,092	62,955
Employees cost	8.4%	17,668	16,293	16,847	17,760	20,776	20,226
Other operating expenses	10.8%	45,225	40,830	32,742	45,267	40,414	38,372
Operating expenses	10.1%	62,892	57,123	49,589	63,027	61,190	58,598
Operating profit	-16.6%	27,565	33,060	30,835	31,243	23,790	22,703
Provisions other than tax and contingencies	-64.2%	1,998	5,586	4,408	2,392	1,445	768
Exceptional items	-	0	0	0	0	-7,100	0
Profit before tax	-6.9%	25,566	27,474	26,428	28,852	15,245	21,936
Tax expense	-11.9%	6,391	7,255	6,747	7,115	3,962	5,553
Profit after tax	-5.2%	19,175	20,220	19,681	21,736	11,283	16,383
Net profit (loss) for the period	-5.2%	19,175	20,220	19,681	21,736	11,283	16,383
Profit (loss) of minority interest	-19.3%	631	782	769	819	534	548
Reserve excluding revaluation reserves	-	-	-	-	386,491	-	-
CET 1 ratio	-	0	0	0	0	0	0
Additional tier 1 ratio	-	0	0	0	0	0	0
Gross non performing assets	-	0	0	0	0	0	0
Non performing assets	-	0	0	0	0	0	0
Return on assets	-	0	0	0	0	0	0

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	30.1%	288,038	221,401	171,824	171,429	179,749	161,640
Revenue on investments	13.3%	108,641	95,928	84,877	79,808	68,205	74,406
Interest on balances with RBI and others	45.8%	5,090	3,491	4,378	4,318	2,920	1,179
Other interest	18.4%	13,362	11,283	14,378	9,596	6,450	5,643
Total interest earned	25%	415,131	332,103	275,457	265,151	257,324	242,869
Other income	41.1%	51,682	36,616	40,564	41,957	39,006	35,214
Total income	26.6%	466,813	368,719	316,021	307,107	296,329	278,083
Total expenditure	30.9%	373,016	285,006	240,729	237,093	234,412	224,208
Interest expended	36.3%	255,255	187,263	154,750	154,441	159,239	154,520
Employees cost	24.3%	71,237	57,292	50,144	50,936	45,715	41,055
Other operating expenses	15%	46,524	40,451	35,836	31,716	29,459	28,633
Operating expenses	20.5%	117,761	97,743	85,979	82,652	75,174	69,688
Operating profit	12%	93,797	83,713	75,292	70,014	61,917	53,875
Provisions other than tax and contingencies	-70.2%	4,914	16,507	24,452	44,013	43,070	53,829
Exceptional items	-	-7,100	0	-7,418.39	1,540	6,216	1,561
Profit before tax	21.7%	81,783	67,206	43,422	27,541	25,063	1,607
Tax expense	22%	20,706	16,973	11,746	7,131	10,575	745
Profit after tax	21.6%	61,077	50,232	31,676	20,410	14,488	862
Net profit (loss) for the period	21.6%	61,077	50,232	31,676	20,410	14,488	862
CET 1 ratio	0.1%	0.1036	0.1027	0.0994	0.1002	0.0977	0.0962
Additional tier 1 ratio	-0.2%	0.0157	0.0179	0.0148	0.0142	0.0123	0.0103
Gross non performing assets	-7.3%	84,276	90,928	112,023	126,389	149,092	172,750
Non performing assets	-1.9%	21,051	21,467	27,966	36,810	51,871	65,895
Return on assets	0.1%	0.0104	096	067	048	038	002

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	2.3%	83,399	81,529	78,693	77,134	73,517	70,260
Revenue on investments	4.5%	29,286	28,024	28,265	28,201	28,431	27,002
Interest on balances with RBI and others	26.8%	1,244	981	1,062	1,166	1,275	1,291
Other interest	4.8%	3,497	3,337	3,506	4,543	3,512	2,826
Total interest earned	3.1%	117,427	113,871	111,526	111,043	106,734	101,379
Other income	-27.7%	11,041	15,271	11,162	17,369	11,459	10,791
Total income	-0.5%	128,467	129,141	122,688	128,412	118,193	112,169
Total expenditure	5.1%	104,917	99,847	96,239	99,664	97,857	92,753
Interest expended	5.2%	75,981	72,251	70,401	69,387	66,918	61,879
Employees cost	8.6%	16,074	14,807	15,466	16,348	19,362	18,926
Other operating expenses	0.6%	12,862	12,789	10,373	13,929	11,577	11,948
Operating expenses	4.9%	28,935	27,596	25,839	30,277	30,939	30,874
Operating profit	-19.6%	23,551	29,294	26,449	28,748	20,336	19,417
Provisions other than tax and contingencies	-79.8%	911	4,506	3,449	1,610	688	115
Exceptional items	-	0	0	0	0	-7,100	0
Profit before tax	-8.7%	22,640	24,788	22,999	27,138	12,548	19,301
Tax expense	-11%	5,748	6,457	5,964	6,439	3,384	4,971
Profit after tax	-7.9%	16,891	18,331	17,035	20,698	9,164	14,330
Net profit (loss) for the period	-7.9%	16,891	18,331	17,035	20,698	9,164	14,330
Reserve excluding revaluation reserves	-	-	-	-	348,798	-	-
CET 1 ratio	-0.5%	0.0952	0.0995	0.1025	0.1036	0.0909	0.0994
Additional tier 1 ratio	0%	0.0133	0.0137	0.0153	0.0157	0.0149	0.0184
Gross non performing assets	1.2%	84,360	83,369	84,226	84,276	86,749	86,974
Non performing assets	5.3%	21,378	20,294	21,555	21,051	22,408	21,352
Return on assets	-	0.0104	0	0.011	0.0136	062	0.0101

Cash Flow for State Bank Of India

Standalone figures (in Rs. Crores) / View Consolidated Data

Profit Before Extraord. Items And Tax	21.7%
Finance costs	-
Depreciation	1.7%
Dividend income	-
Total adjustments to profit/loss	-53.7%
Change in inventories	-
Change in trade receivables	-238.1%
Change in trade payables	203.8%
Total adj. for working capital	74.1%
Net Cashflows From Operations	158%
Interest received	-100%
Income taxes paid (refund)	87.4%
Net Cashflows From Operating Activities	120.8%
Proceeds from sales of tangible assets	-100.2%
Purchase of tangible assets	-13.8%
Dividends received	129.6%
Net Cashflows From Investing Activities	7.4%
Proceeds from issuing shares	-1%
Proceeds from issuing debt etc	-5.4%
Repayments of borrowings	-
Dividends paid	59.2%
Interest paid	50.8%
Other inflows (outflows) of cash	-571.4%
Net Cashflows From Financing Activities	-366.4%
Net change in cash and cash eq.	103.3%

Consolidated figures (in Rs. Crores) / View Standalone Data

Profit Before Extraord. Items And Tax	21%
Finance costs	-
Depreciation	4.1%
Dividend income	-
Total adjustments to profit/loss	-46.4%
Change in inventories	-
Change in trade receivables	-238.7%
Change in trade payables	202.8%
Adjustments for Provisions	-
Total adj. for working capital	70.2%
Net Cashflows From Operations	171.4%
Interest received	-100%
Income taxes paid (refund)	80.5%
Other inflows/outflows of cash	99.9%
Net Cashflows From Operating Activities	125.1%
Proceeds from sales of tangible assets	-100.2%
Purchase of tangible assets	-10.6%
Dividends received	175.3%
Net Cashflows From Investing Activities	-5.2%
Proceeds from issuing shares	-1%
Proceeds from issuing debt etc	3.2%
Repayments of borrowings	-
Dividends paid	59.2%
Interest paid	35.8%
Income taxes paid (refund)	-534.8%
Other inflows (outflows) of cash	-2247.3%
Net Cashflows From Financing Activities	-255%
Net change in cash and cash eq.	110.2%

Investor Care
Dividend Yield	2.89%
Shares Dilution (1Y)	0.00%
Diluted EPS (TTM)	88.9

Financial Health
Debt/Equity	0.00

Is State Bank Of India Better than it's peers?

Detailed comparison of State Bank Of India against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
HDFCBANK	HDFC BankPrivate Sector Bank	14.71 LCr	4.75 LCr	+5.79%	+26.55%	20.73	3.1	+39.40%	+18.16%
ICICIBANK	ICICI BankPrivate Sector Bank	10.04 LCr	2.82 LCr	+5.14%	+23.66%	19.29	3.56	+26.59%	+21.03%
KOTAKBANK	Kotak Mahindra BankPrivate Sector Bank	4.39 LCr	1.04 LCr	+2.71%	+35.97%	19.7	4.23	+19.19%	+29.05%
AXISBANK	AXIS BankPrivate Sector Bank	3.67 LCr	1.54 LCr	+6.39%	+1.64%	13	2.39	+18.05%	+110.10%
BANKBARODA	Bank Of BarodaPublic Sector Bank	1.29 LCr	1.51 LCr	+12.00%	-11.21%	6.41	0.86	+10.17%	+9.00%

Price to Sales Ratio

Latest reported: ₹1

Revenue (Last 12 mths)

Latest reported: ₹6 LCr

Net Income (Last 12 mths)

Latest reported: ₹81 kCr

SBIN - State Bank Of India Share Price

What does State Bank Of India do?

Valuation

Fundamentals

Profitability

The Bad News

The Good News

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Investor Care

Financial Health

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Updates from State Bank Of India