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SummaryLatest NewsSector ComparisonEarnings ReportRevenue & GrowthPeersIncome StatementBalance SheetCash Flow
SBIN logo

SBIN - State Bank Of India Share Price

Banks
Sharesguru Stock Score

SBIN

67/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

₹1063.55-3.15(-0.30%)
Market Open as of Apr 13, 2026, 15:30 IST
Pros

Past Returns: Outperforming stock! In past three years, the stock has provided 25.5% return compared to 10.5% by NIFTY 50.

Balance Sheet: Strong Balance Sheet.

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

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

Technicals: Bullish SharesGuru indicator.

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

Cons

No major cons observed.

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Sharesguru Stock Score

SBIN

67/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

Valuation

Market Cap9.61 LCr
Price/Earnings (Trailing)9.3
Price/Sales (Trailing)1.36
EV/EBITDA2.24
Price/Free Cashflow16.87
MarketCap/EBT8.37
Enterprise Value9.61 LCr

Fundamentals

Revenue (TTM)7.08 LCr
Rev. Growth (Yr)10.6%
Earnings (TTM)84.95 kCr
Earnings Growth (Yr)14.1%

Profitability

Operating Margin19%
EBT Margin16%
Return on Equity1.11%
Return on Assets1.11%
Free Cashflow Yield5.93%

Growth & Returns

Price Change 1W2.2%
Price Change 1M-6.4%
Price Change 6M18.2%
Price Change 1Y40.2%
3Y Cumulative Return25.5%
5Y Cumulative Return24.2%
7Y Cumulative Return18.6%
10Y Cumulative Return18.6%

Cash Flow & Liquidity

Cash Flow from Investing (TTM)-5.63 kCr
Cash Flow from Operations (TTM)48.49 kCr
Cash Flow from Financing (TTM)-13.74 kCr
Free Cash Flow (TTM)48.49 kCr
Free Cash Flow/Share (TTM)52.53

Balance Sheet

Total Assets76.73 LCr
Shareholder Equity76.73 LCr

Capital Structure & Leverage

Debt Ratio0.00
Debt/Equity0.00
Interest Coverage-0.63
Interest/Cashflow Ops1.16

Dividend & Shareholder Returns

Dividend/Share (TTM)15.9
Dividend Yield1.63%
Shares Dilution (1Y)3.4%
Shares Dilution (3Y)3.4%
Pros

Past Returns: Outperforming stock! In past three years, the stock has provided 25.5% return compared to 10.5% by NIFTY 50.

Balance Sheet: Strong Balance Sheet.

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

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

Technicals: Bullish SharesGuru indicator.

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

Cons

No major cons observed.

The Good, Bad and Ugly
Growth
Measures how quickly a company is expanding through metrics like revenue growth, earnings growth, and cash flow growth over time. Strong growth can indicate future potential.
Profitability
Shows how efficiently a company turns business activities into profit, using metrics like profit margins, return on equity (ROE), and return on assets (ROA).
Size
Indicates the company's market presence through metrics like market capitalization, total assets, and revenue. Size can influence stability and market influence.
Dilution Rank
Tracks how much the company's shares have increased or decreased over time. Lower dilution means existing shareholders maintain stronger ownership stakes.
Balance Sheet
Evaluates the company's financial health by analyzing assets, debts, and equity. A strong balance sheet indicates financial stability and flexibility.
Momentum
Measures the strength and speed of price movements, showing whether the stock is gaining or losing market favor over different time periods.
Technicals
Analyzes price patterns, trading volumes, and other market indicators to identify potential trading opportunities and market trends.
Smart Money
Tracks the investment activities of institutional investors, hedge funds, and other large financial players who often have deep research capabilities.
Insider Trading
Monitors buying and selling of company shares by executives, directors, and other insiders who may have unique insights into the company's prospects.

Investor Care

Dividend Yield1.63%
Dividend/Share (TTM)15.9
Shares Dilution (1Y)3.4%

Financial Health

Debt/Equity0.00

Technical Indicators

RSI (14d)45.45
RSI (5d)66.81
RSI (21d)35.79
MACD SignalBuy
Stochastic Oscillator SignalHold
SharesGuru SignalBuy
RSI SignalHold
RSI5 SignalHold
RSI21 SignalHold
SMA 5 SignalBuy
SMA 10 SignalBuy
SMA 20 SignalSell
SMA 50 SignalSell
SMA 100 SignalSell

Summary of Latest Earnings Report from State Bank Of India

Summary of State Bank Of India's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Revenue Breakdown

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

Last Updated: Dec 31, 2025

DescriptionShareValue
Retail Banking oprations- Other Retail Banking35.9%66.9 kCr
Insurance Business20.8%38.8 kCr
Corporate/ Wholesale Banking operations20.7%38.7 kCr
Treasury operations17.7%33 kCr
Other Banking operations4.9%9.1 kCr
Total1.9 LCr

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

Share Holding Details

Shareholder NameHolding %
LIFE INSURANCE CORPORATION OF INDIA9.23%
SBI MUTUAL FUND SCHEMES3.17%
NPS TRUST SCHEMES1.9%
HDFC MUTUAL FUND SCHEMES1.82%
ICICI MUTUAL FUND SCHEMES1.44%
NIPPON LIFE INDIA MUTUAL FUND SCHEMES1.35%
KOTAK MUTUAL FUND SCHEMES1.11%
FOREIGN BANK0%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

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
HDFCBANKHDFC Bank12.27 LCr4.99 LCr-6.10%-9.60%20.792.46--
ICICIBANKICICI Bank9.16 LCr3.07 LCr-2.30%-1.50%18.662.98--
AXISBANKAXIS Bank4.09 LCr1.59 LCr+0.30%+24.20%12.212.54--
KOTAKBANKKotak Mahindra Bank3.7 LCr1.07 LCr-5.10%-9.40%19.393.47--
BANKBARODABank Of Baroda1.42 LCr1.57 LCr-6.80%+19.10%6.190.9--
PNBPunjab National Bank1.26 LCr1.5 LCr-6.80%+14.40%7.470.84--

Sector Comparison: SBIN vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

SBIN metrics compared to Banks

CategorySBINBanks
PE9.309.54
PS1.361.17
Growth9.2 %5.4 %
33% metrics above sector average
Key Insights
  • 1. SBIN is among the Top 3 Public Sector Bank companies by market cap.
  • 2. The company holds a market share of 43.7% in Public Sector Bank.
  • 3. In last one year, the company has had an above average growth that other Public Sector Bank companies.

Income Statement for State Bank Of India

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Interest or discount on advances or bills14.7%340,977297,310228,741177,475176,780-
Revenue on investments7.2%131,144122,378106,82593,47887,131-
Interest on balances with RBI and others5%6,2385,9423,9164,6084,541-
Other interest-7.2%12,58013,55811,36314,4129,663-
Total interest earned11.8%490,938439,189350,845289,973278,115-
Other income11%172,406155,386122,534117,000105,855-
Total income11.6%663,343594,575473,378406,973383,971-
Total expenditure10%537,517488,530379,795323,139306,440-
Interest expended15.9%300,943259,736189,981156,194156,010-
Employees cost-8.1%70,39676,57161,92154,02754,331-
Other operating expenses9.2%166,178152,223127,894112,91896,099-
Operating expenses3.4%236,574228,794189,814166,945150,430-
Operating profit18.7%125,826106,04593,58383,83477,531-
Provisions other than tax and contingencies152.6%19,4617,70518,18426,67746,102-
Exceptional items100%0-7,1000-7,418.391,367-
Profit before tax16.6%106,36591,24075,39949,73932,796-
Tax expense18.4%27,34823,10218,84013,3828,516-
Profit after tax16%79,01768,13856,55836,35624,280-
Extraordinary items-0000-1,874.26-
Net profit (loss) for the period16%79,01768,13856,55836,35622,405-
Profit (loss) of minority interest20.4%2,9612,4592,1021,8090-
Reserve excluding revaluation reserves-458,789-----
CET 1 ratio-0000.09940.1002-
Additional tier 1 ratio-0000.01480.0142-
Gross non performing assets-000112,0230-
Non performing assets-00027,9660-
Return on assets-0000670-
Description(%) Q/QDec-2025Sep-2025Jun-2025Mar-2025Dec-2024Sep-2024
Interest or discount on advances or bills3.2%91,88188,99488,14688,35386,03484,081
Revenue on investments-0.6%33,06233,26832,22633,62033,24632,199
Interest on balances with RBI and others-20.4%1,7502,1992,3601,6191,8381,381
Other interest8.9%3,8973,5802,9973,4063,5363,384
Total interest earned2%130,590128,040125,729126,997124,654121,045
Other income15%55,05947,85741,26352,56543,20042,758
Total income5.5%185,648175,898166,992179,562167,854163,802
Total expenditure4.3%150,033143,781132,499145,196140,289130,742
Interest expended1%78,78378,00278,26678,22777,39773,619
Employees cost-1.8%18,02418,34618,49119,58717,66816,293
Other operating expenses12.2%53,22647,43235,74247,38245,22540,830
Operating expenses8.3%71,25165,77854,23366,96962,89257,123
Operating profit10.9%35,61532,11734,49334,36627,56533,060
Provisions other than tax and contingencies-14.5%5,5486,4875,2647,4701,9985,586
Exceptional items-100%03,0270000
Profit before tax4.9%30,06728,65729,22926,89725,56627,474
Tax expense14.5%8,1917,1527,6026,9556,3917,255
Profit after tax1.7%21,87621,50421,62719,94119,17520,220
Net profit (loss) for the period1.7%21,87621,50421,62719,94119,17520,220
Profit (loss) of minority interest18.8%859723920779631782
Reserve excluding revaluation reserves-------
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Interest or discount on advances or bills14.8%330,627288,038221,401171,824171,429179,749
Revenue on investments5.9%115,031108,64195,92884,87779,80868,205
Interest on balances with RBI and others-13.2%4,4165,0903,4914,3784,3182,920
Other interest-7.1%12,41513,36211,28314,3789,5966,450
Total interest earned11.4%462,489415,131332,103275,457265,151257,324
Other income19.4%61,68351,68236,61640,56441,95739,006
Total income12.3%524,172466,813368,719316,021307,107296,329
Total expenditure10.9%413,593373,016285,006240,729237,093234,412
Interest expended15.8%295,524255,255187,263154,750154,441159,239
Employees cost-9.7%64,35271,23757,29250,14450,93645,715
Other operating expenses15.5%53,71746,52440,45135,83631,71629,459
Operating expenses0.3%118,069117,76197,74385,97982,65275,174
Operating profit17.9%110,57993,79783,71375,29270,01461,917
Provisions other than tax and contingencies211.6%15,3084,91416,50724,45244,01343,070
Exceptional items100%0-7,1000-7,418.391,5406,216
Profit before tax16.5%95,27181,78367,20643,42227,54125,063
Tax expense17.7%24,37120,70616,97311,7467,13110,575
Profit after tax16.1%70,90161,07750,23231,67620,41014,488
Net profit (loss) for the period16.1%70,90161,07750,23231,67620,41014,488
Reserve excluding revaluation reserves-412,914-----
CET 1 ratio0.5%0.10810.10360.10270.09940.10020.0977
Additional tier 1 ratio-0.3%0.0130.01570.01790.01480.01420.0123
Gross non performing assets-8.8%76,88084,27690,928112,023126,389149,092
Non performing assets-6.6%19,66721,05121,46727,96636,81051,871
Return on assets0.1%0.0110.0104096067048038
Description(%) Q/QDec-2025Sep-2025Jun-2025Mar-2025Dec-2024Sep-2024
Interest or discount on advances or bills3.3%89,01486,18385,43885,71083,39981,529
Revenue on investments0.5%28,42828,27927,74929,45629,28628,024
Interest on balances with RBI and others-24.4%1,2801,6931,8481,1291,244981
Other interest9.6%3,8353,5002,9603,3713,4973,337
Total interest earned2.4%122,556119,654117,996119,666117,427113,871
Other income19.8%18,35915,32617,34624,21011,04115,271
Total income4.4%140,915134,979135,342143,876128,467129,141
Total expenditure0.4%108,052107,669104,797112,590104,91799,847
Interest expended0.9%77,36676,67076,92376,89275,98172,251
Employees cost-3.6%16,00316,60616,90018,00516,07414,807
Other operating expenses2%14,68314,39310,97417,69312,86212,789
Operating expenses-1%30,68630,99927,87435,69828,93527,596
Operating profit20.3%32,86227,31130,54431,28623,55129,294
Provisions other than tax and contingencies-16.5%4,5075,4004,7596,4429114,506
Exceptional items-100%04,5930000
Profit before tax7%28,35526,50425,78524,84422,64024,788
Tax expense15.5%7,3276,3446,6256,2025,7486,457
Profit after tax4.3%21,02820,16019,16018,64316,89118,331
Net profit (loss) for the period4.3%21,02820,16019,16018,64316,89118,331
Reserve excluding revaluation reserves-------
CET 1 ratio-0.5%0.10990.11470.1110.10810.09520.0995
Additional tier 1 ratio-0.1%0.01080.0120.01350.0130.01330.0137
Gross non performing assets-3.4%73,63776,24378,04076,88084,36083,369
Non performing assets-2.4%18,01218,46019,90819,66721,37820,294
Return on assets0%0.01190.01170.01140.01120.01040

Balance Sheet for State Bank Of India

Consolidated figures (in Rs. Crores) /
Description(%) Q/QSep-2025Mar-2025Sep-2024Mar-2024Sep-2023Mar-2023
Cash balances with RBI20.2%273,477227,485264,389225,356260,346247,321
Fixed assets17.3%54,36246,33845,23944,70844,38644,407
Other assets3.9%471,020453,483457,130467,677412,704410,689
Capital3.5%923892892892892892
Reserves and surplus16.6%588,002504,170479,919429,665407,566370,875
Borrowings6.5%650,303610,857606,663639,610547,899521,152
Other liabilities and provisions2.7%778,612758,367704,118697,075624,140592,963
Standalone figures (in Rs. Crores) /
Description(%) Q/QSep-2025Mar-2025Sep-2024Mar-2024Sep-2023Mar-2023
Cash balances with RBI20%272,575227,218264,028225,142260,164247,088
Fixed assets18.1%52,09444,10843,08442,61742,38042,382
Other assets3.5%453,229437,831439,339450,964396,496397,062
Capital3.5%923892892892892892
Reserves and surplus17.5%517,136440,270418,667376,354358,335326,716
Borrowings6.6%600,551563,573558,816597,561512,713493,135
Other liabilities and provisions-4.1%277,158289,129245,800288,810265,160272,457

Cash Flow for State Bank Of India

Consolidated figures (in Rs. Crores) /
Profit Before Extraord. Items And Tax16.6%
Finance costs23.4%
Depreciation3.7%
Dividend income-
Total adjustments to profit/loss96.3%
Change in inventories-
Change in trade receivables8.2%
Change in trade payables-4.9%
Adjustments for Provisions-
Total adj. for working capital1.6%
Net Cashflows From Operations55.5%
Interest received-
Income taxes paid (refund)8%
Other inflows/outflows of cash-
Net Cashflows From Operating Activities124.1%
Proceeds from sales of tangible assets-
Purchase of tangible assets35%
Dividends received75.1%
Other inflows/outflows of cash-
Net Cashflows From Investing Activities-32.5%
Proceeds from issuing shares-
Proceeds from issuing debt etc6.6%
Repayments of borrowings-
Dividends paid21.2%
Interest paid19.6%
Income taxes paid (refund)-
Other inflows (outflows) of cash-11.9%
Net Cashflows From Financing Activities-38.8%
Net change in cash and cash eq.279.7%
Standalone figures (in Rs. Crores) /
Profit Before Extraord. Items And Tax16.5%
Finance costs22.2%
Depreciation5.3%
Dividend income-
Total adjustments to profit/loss110.3%
Change in inventories-
Change in trade receivables7.9%
Change in trade payables-5.3%
Total adj. for working capital7.2%
Net Cashflows From Operations60.3%
Interest received-
Income taxes paid (refund)6.9%
Net Cashflows From Operating Activities141.1%
Proceeds from sales of tangible assets-
Purchase of tangible assets45.9%
Dividends received0.8%
Other inflows/outflows of cash-
Net Cashflows From Investing Activities34.1%
Proceeds from issuing shares-
Proceeds from issuing debt etc10.5%
Repayments of borrowings-
Dividends paid21.2%
Interest paid20.2%
Other inflows (outflows) of cash-3.9%
Net Cashflows From Financing Activities-17.8%
Net change in cash and cash eq.914.4%

What does State Bank Of India do?

Public Sector Bank•Financial Services•Large Cap

State Bank Of India is a prominent Public Sector Bank operating in India and internationally, with the stock ticker SBIN. The company boasts a substantial market capitalization of Rs. 729,453.8 Crores.

It offers a comprehensive range of banking products and services catering to various customer segments, including individuals, commercial enterprises, corporates, public bodies, and institutional clients. The bank operates through several segments: Treasury, Corporate/Wholesale Banking, Retail Banking, Insurance Business, and Other Banking Business.

In the realm of personal banking, State Bank Of India provides essential services such as:

  • Current accounts
  • Savings accounts
  • Salary accounts
  • Fixed and recurring deposits
  • Various loan options (home, personal, auto, education, and gold loans)
  • Overdrafts and mutual funds
  • Insurance, equity trading, and digital banking services

For corporate banking, it offers:

  • Corporate accounts and working capital finance
  • Project financing and term loans
  • Structured finance, equipment leasing, and cash management solutions
  • Specialized trade and service products

Additionally, the bank caters to NRI services such as accounts, remittances, and investments; agricultural banking services; and offerings for SMEs, including supply chain finance. It also engages in international banking services and provides life and general insurance.

Founded in 1806, State Bank Of India is headquartered in Mumbai, India. The bank has demonstrated robust financial performance, with a trailing 12-month revenue of Rs. 648,695.4 Crores and a net profit of Rs. 80,812.2 Crores over the past four quarters. Notably, the company has achieved a revenue growth of 61.2% in the last three years.

State Bank Of India rewards its investors with dividends, exhibiting a dividend yield of 2.89% per year.

Industry Group:Banks
Employees:232,296
Website:www.sbi.co.in

Important Disclosure & Data Context

This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.

Performance Comparison

SBIN vs Banks (2021 - 2026)

SBIN leads the Banks sector while registering a 16.7% growth compared to the previous year.