SBIN - State Bank Of India Share Price

Banks

₹862.35+8.00(+0.94%)

Market Closed as of Sep 19, 2025, 15:30 IST

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Valuation
Market Cap	7.91 LCr
Price/Earnings (Trailing)	9.3
Price/Sales (Trailing)	1.17
EV/EBITDA	1.9
Price/Free Cashflow	16.32
MarketCap/EBT	7.25
Enterprise Value	7.91 LCr

Fundamentals
Revenue (TTM)	6.78 LCr
Rev. Growth (Yr)	9.8%
Earnings (TTM)	80.96 kCr
Earnings Growth (Yr)	9.9%

Profitability
Operating Margin	19%
EBT Margin	16%
Return on Equity	1.11%
Return on Assets	1.11%
Free Cashflow Yield	6.13%

Price to Sales Ratio

Latest reported: 1

Revenue (Last 12 mths)

Latest reported: 7 LCr

Net Income (Last 12 mths)

Latest reported: 81 kCr

Growth & Returns
Price Change 1W	4.8%
Price Change 1M	3.6%
Price Change 6M	13.8%
Price Change 1Y	9.5%
3Y Cumulative Return	15.1%
5Y Cumulative Return	34.8%
7Y Cumulative Return	17.8%
10Y Cumulative Return	13.5%

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 Assets	73.14 LCr
Shareholder Equity	73.14 LCr

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.64
Interest/Cashflow Ops	1.16

Dividend & Shareholder Returns
Dividend/Share (TTM)	15.9
Dividend Yield	1.85%
Shares Dilution (1Y)	3.4%
Shares Dilution (3Y)	3.4%

Pros

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

Growth: Good revenue growth. With 66.1% growth over past three years, the company is going strong.

Balance Sheet: Strong Balance Sheet.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Momentum: Stock price has a strong positive momentum. Stock is up 3.6% in last 30 days.

Past Returns: In past three years, the stock has provided 15.1% return compared to 11.2% by NIFTY 50.

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

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Investor Care
Dividend Yield	1.85%
Dividend/Share (TTM)	15.9
Shares Dilution (1Y)	3.4%

Financial Health
Debt/Equity	0.00

Technical Indicators
RSI (14d)	73.19
RSI (5d)	99.56
RSI (21d)	52.54
MACD Signal	Buy
Stochastic Oscillator Signal	Sell
Grufity Signal	Buy
RSI Signal	Sell
RSI5 Signal	Sell
RSI21 Signal	Hold
SMA 5 Signal	Buy
SMA 10 Signal	Buy
SMA 20 Signal	Buy
SMA 50 Signal	Buy
SMA 100 Signal	Buy

Latest News and Updates from State Bank Of India

Updated Aug 17, 2025

The Bad News

Devdiscourse

Despite profit growth, SBI reported a slight decline in core net interest income by 0.13%, highlighting challenges in maintaining margins.

Devdiscourse

The narrowing of net interest margins due to RBI rate changes could impact future profitability.

Devdiscourse

Although the profit increase is significant, concerns about declining margins could temper future growth expectations.

The Good News

Devdiscourse

State Bank of India's shares rose over two percent after a strong profit report, reflecting positive market sentiment.

Devdiscourse

SBI's consolidated net profit increased to ₹19,160 crore from ₹17,035 crore year-on-year, showcasing significant growth.

Devdiscourse

The bank's market valuation reached ₹7,60,879.81 crore, with an increase of ₹18,230.48 crore, indicating strong investor confidence.

Updates from State Bank Of India

General • 17 Sept 2025

Divestment of stake in Yes Bank Limited

Change in Management • 17 Sept 2025

Change in Senior Management

Analyst / Investor Meet • 16 Sept 2025

Investor interaction organised by J. P. Morgan

Analyst / Investor Meet • 15 Sept 2025

Investor interaction organised by Morgan Stanley

Analyst / Investor Meet • 09 Sept 2025

Investor interaction arranged by CLSA at Hong Kong

Analyst / Investor Meet • 09 Sept 2025

Investor interaction arranged by Bank of America in Hong Kong

Analyst / Investor Meet • 04 Sept 2025

Investor interaction arranged by HSBC

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

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.

Earnings Outlook

Last updated:

Q&A Session

Last updated:

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: Mar 31, 2025

Description	Share	Value
Retail Banking oprations- Other Retail Banking	33.5%	61.4 kCr
Corporate/ Wholesale Banking operations	21.7%	39.8 kCr
Treasury operations	20.6%	37.7 kCr
Insurance Business	17.1%	31.3 kCr
Other Banking operations	4.4%	8.1 kCr
Retail Banking oprations- Digital Banking	1.9%	3.5 kCr
Unallocated	0.7%	1.3 kCr
Total		1.8 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

Major Shareholders

Share Holding Details

Shareholder Name	Holding %
PRESIDENT OF INDIA	55.5%
LIFE INSURANCE CORPORATION OF INDIA	9.57%
SBI MUTUAL FUND SCHEMES	2.97%
ICICI MUTUAL FUND SCHEMES	1.86%
HDFC MUTUAL FUND SCHEMES	1.7%
NPS TRUST SCHEMES	1.66%
NIPPON LIFE INDIA MUTUAL FUND SCHEMES	1.35%
KOTAK MUTUAL FUND SCHEMES	1.14%

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
HDFCBANK	HDFC Bank	14.82 LCr	4.87 LCr	-3.50%	+15.80%	20.79	3.04	-	-
ICICIBANK	ICICI Bank	10.13 LCr	3.02 LCr	-1.10%	+11.90%	18.66	3.35	-	-
KOTAKBANK	Kotak Mahindra Bank	4.08 LCr	1.05 LCr	+2.40%	+11.00%	19.39	3.89	-	-
AXISBANK	AXIS Bank	3.49 LCr	1.59 LCr	+4.00%	-8.60%	12.21	2.2	-	-
PNB	Punjab National Bank	1.29 LCr	1.46 LCr	+4.90%	+3.60%	7.47	0.88	-	-
BANKBARODA	Bank Of Baroda	1.27 LCr	1.55 LCr	+1.30%	+2.70%	6.19	0.82	-	-

Sector Comparison: SBIN vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

SBIN metrics compared to Banks

Category	SBIN	Banks
PE	9.30	8.83
PS	1.13	1.07
Growth	10.4 %	11.2 %

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 43.1% in Public Sector Bank.
3. The company is growing at an average growth rate of other Public Sector Bank companies.

Income Statement for State Bank Of India

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

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Interest or discount on advances or bills	14.7%	340,977	297,310	228,741	177,475	176,780	-
Revenue on investments	7.2%	131,144	122,378	106,825	93,478	87,131	-
Interest on balances with RBI and others	5%	6,238	5,942	3,916	4,608	4,541	-
Other interest	-7.2%	12,580	13,558	11,363	14,412	9,663	-
Total interest earned	11.8%	490,938	439,189	350,845	289,973	278,115	-
Other income	11%	172,406	155,386	122,534	117,000	105,855	-
Total income	11.6%	663,343	594,575	473,378	406,973	383,971	-
Total expenditure	10%	537,517	488,530	379,795	323,139	306,440	-
Interest expended	15.9%	300,943	259,736	189,981	156,194	156,010	-
Employees cost	-8.1%	70,396	76,571	61,921	54,027	54,331	-
Other operating expenses	9.2%	166,178	152,223	127,894	112,918	96,099	-
Operating expenses	3.4%	236,574	228,794	189,814	166,945	150,430	-
Operating profit	18.7%	125,826	106,045	93,583	83,834	77,531	-
Provisions other than tax and contingencies	152.6%	19,461	7,705	18,184	26,677	46,102	-
Exceptional items	100%	0	-7,100	0	-7,418.39	1,367	-
Profit before tax	16.6%	106,365	91,240	75,399	49,739	32,796	-
Tax expense	18.4%	27,348	23,102	18,840	13,382	8,516	-
Profit after tax	16%	79,017	68,138	56,558	36,356	24,280	-
Extraordinary items	-	0	0	0	0	-1,874.26	-
Net profit (loss) for the period	16%	79,017	68,138	56,558	36,356	22,405	-
Profit (loss) of minority interest	20.4%	2,961	2,459	2,102	1,809	0	-
Reserve excluding revaluation reserves	-	458,789	-	-	-	-	-
CET 1 ratio	-	0	0	0	0.0994	0.1002	-
Additional tier 1 ratio	-	0	0	0	0.0148	0.0142	-
Gross non performing assets	-	0	0	0	112,023	0	-
Non performing assets	-	0	0	0	27,966	0	-
Return on assets	-	0	0	0	067	0	-

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Interest or discount on advances or bills	-0.2%	88,146	88,353	86,034	84,081	81,212	79,610
Revenue on investments	-4.1%	32,226	33,620	33,246	32,199	32,080	31,816
Interest on balances with RBI and others	45.8%	2,360	1,619	1,838	1,381	1,400	1,455
Other interest	-12%	2,997	3,406	3,536	3,384	3,551	4,589
Total interest earned	-1%	125,729	126,997	124,654	121,045	118,242	117,469
Other income	-21.5%	41,263	52,565	43,200	42,758	33,883	47,445
Total income	-7%	166,992	179,562	167,854	163,802	152,125	164,914
Total expenditure	-8.7%	132,499	145,196	140,289	130,742	121,290	133,671
Interest expended	0%	78,266	78,227	77,397	73,619	71,701	70,644
Employees cost	-5.6%	18,491	19,587	17,668	16,293	16,847	17,760
Other operating expenses	-24.6%	35,742	47,382	45,225	40,830	32,742	45,267
Operating expenses	-19%	54,233	66,969	62,892	57,123	49,589	63,027
Operating profit	0.4%	34,493	34,366	27,565	33,060	30,835	31,243
Provisions other than tax and contingencies	-29.5%	5,264	7,470	1,998	5,586	4,408	2,392
Exceptional items	-	0	0	0	0	0	0
Profit before tax	8.7%	29,229	26,897	25,566	27,474	26,428	28,852
Tax expense	9.3%	7,602	6,955	6,391	7,255	6,747	7,115
Profit after tax	8.5%	21,627	19,941	19,175	20,220	19,681	21,736
Net profit (loss) for the period	8.5%	21,627	19,941	19,175	20,220	19,681	21,736
Profit (loss) of minority interest	18.1%	920	779	631	782	769	819
Reserve excluding revaluation reserves	-	-	-	-	-	-	386,491

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

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Interest or discount on advances or bills	14.8%	330,627	288,038	221,401	171,824	171,429	179,749
Revenue on investments	5.9%	115,031	108,641	95,928	84,877	79,808	68,205
Interest on balances with RBI and others	-13.2%	4,416	5,090	3,491	4,378	4,318	2,920
Other interest	-7.1%	12,415	13,362	11,283	14,378	9,596	6,450
Total interest earned	11.4%	462,489	415,131	332,103	275,457	265,151	257,324
Other income	19.4%	61,683	51,682	36,616	40,564	41,957	39,006
Total income	12.3%	524,172	466,813	368,719	316,021	307,107	296,329
Total expenditure	10.9%	413,593	373,016	285,006	240,729	237,093	234,412
Interest expended	15.8%	295,524	255,255	187,263	154,750	154,441	159,239
Employees cost	-9.7%	64,352	71,237	57,292	50,144	50,936	45,715
Other operating expenses	15.5%	53,717	46,524	40,451	35,836	31,716	29,459
Operating expenses	0.3%	118,069	117,761	97,743	85,979	82,652	75,174
Operating profit	17.9%	110,579	93,797	83,713	75,292	70,014	61,917
Provisions other than tax and contingencies	211.6%	15,308	4,914	16,507	24,452	44,013	43,070
Exceptional items	100%	0	-7,100	0	-7,418.39	1,540	6,216
Profit before tax	16.5%	95,271	81,783	67,206	43,422	27,541	25,063
Tax expense	17.7%	24,371	20,706	16,973	11,746	7,131	10,575
Profit after tax	16.1%	70,901	61,077	50,232	31,676	20,410	14,488
Net profit (loss) for the period	16.1%	70,901	61,077	50,232	31,676	20,410	14,488
Reserve excluding revaluation reserves	-	412,914	-	-	-	-	-
CET 1 ratio	0.5%	0.1081	0.1036	0.1027	0.0994	0.1002	0.0977
Additional tier 1 ratio	-0.3%	0.013	0.0157	0.0179	0.0148	0.0142	0.0123
Gross non performing assets	-8.8%	76,880	84,276	90,928	112,023	126,389	149,092
Non performing assets	-6.6%	19,667	21,051	21,467	27,966	36,810	51,871
Return on assets	0.1%	0.011	0.0104	096	067	048	038

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Interest or discount on advances or bills	-0.3%	85,438	85,710	83,399	81,529	78,693	77,134
Revenue on investments	-5.8%	27,749	29,456	29,286	28,024	28,265	28,201
Interest on balances with RBI and others	63.7%	1,848	1,129	1,244	981	1,062	1,166
Other interest	-12.2%	2,960	3,371	3,497	3,337	3,506	4,543
Total interest earned	-1.4%	117,996	119,666	117,427	113,871	111,526	111,043
Other income	-28.4%	17,346	24,210	11,041	15,271	11,162	17,369
Total income	-5.9%	135,342	143,876	128,467	129,141	122,688	128,412
Total expenditure	-6.9%	104,797	112,590	104,917	99,847	96,239	99,664
Interest expended	0%	76,923	76,892	75,981	72,251	70,401	69,387
Employees cost	-6.1%	16,900	18,005	16,074	14,807	15,466	16,348
Other operating expenses	-38%	10,974	17,693	12,862	12,789	10,373	13,929
Operating expenses	-21.9%	27,874	35,698	28,935	27,596	25,839	30,277
Operating profit	-2.4%	30,544	31,286	23,551	29,294	26,449	28,748
Provisions other than tax and contingencies	-26.1%	4,759	6,442	911	4,506	3,449	1,610
Exceptional items	-	0	0	0	0	0	0
Profit before tax	3.8%	25,785	24,844	22,640	24,788	22,999	27,138
Tax expense	6.8%	6,625	6,202	5,748	6,457	5,964	6,439
Profit after tax	2.8%	19,160	18,643	16,891	18,331	17,035	20,698
Net profit (loss) for the period	2.8%	19,160	18,643	16,891	18,331	17,035	20,698
Reserve excluding revaluation reserves	-	-	-	-	-	-	348,798
CET 1 ratio	0.3%	0.111	0.1081	0.0952	0.0995	0.1025	0.1036
Additional tier 1 ratio	0.1%	0.0135	0.013	0.0133	0.0137	0.0153	0.0157
Gross non performing assets	1.5%	78,040	76,880	84,360	83,369	84,226	84,276
Non performing assets	1.2%	19,908	19,667	21,378	20,294	21,555	21,051
Return on assets	0%	0.0114	0.0112	0.0104	0	0.011	0.0136

Balance Sheet for State Bank Of India

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

Description	(%) Q/Q	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Cash balances with RBI	-14%	227,485	264,389	225,356	260,346	247,321	234,104
Fixed assets	2.4%	46,338	45,239	44,708	44,386	44,407	43,608
Other assets	-0.8%	453,483	457,130	467,677	412,704	410,689	370,953
Capital	0%	892	892	892	892	892	892
Reserves and surplus	5.1%	504,170	479,919	429,665	407,566	370,875	332,231
Borrowings	0.7%	610,857	606,663	639,610	547,899	521,152	515,722
Other liabilities and provisions	7.7%	758,367	704,118	697,075	624,140	592,963	522,503

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

Description	(%) Q/Q	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Cash balances with RBI	-13.9%	227,218	264,028	225,142	260,164	247,088	233,908
Fixed assets	2.4%	44,108	43,084	42,617	42,380	42,382	41,738
Other assets	-0.3%	437,831	439,339	450,964	396,496	397,062	357,504
Capital	0%	892	892	892	892	892	892
Reserves and surplus	5.2%	440,270	418,667	376,354	358,335	326,716	304,020
Borrowings	0.9%	563,573	558,816	597,561	512,713	493,135	488,608
Other liabilities and provisions	17.6%	289,129	245,800	288,810	265,160	272,457	216,025

Cash Flow for State Bank Of India

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

Profit Before Extraord. Items And Tax	16.6%
Finance costs	23.4%
Depreciation	3.7%
Dividend income	-
Total adjustments to profit/loss	96.3%
Change in inventories	-
Change in trade receivables	8.2%
Change in trade payables	-4.9%
Adjustments for Provisions	-
Total adj. for working capital	1.6%
Net Cashflows From Operations	55.5%
Interest received	-
Income taxes paid (refund)	8%
Other inflows/outflows of cash	-
Net Cashflows From Operating Activities	124.1%
Proceeds from sales of tangible assets	-
Purchase of tangible assets	35%
Dividends received	75.1%
Other inflows/outflows of cash	-
Net Cashflows From Investing Activities	-32.5%
Proceeds from issuing shares	-
Proceeds from issuing debt etc	6.6%
Repayments of borrowings	-
Dividends paid	21.2%
Interest paid	19.6%
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) / View Consolidated Data

Profit Before Extraord. Items And Tax	16.5%
Finance costs	22.2%
Depreciation	5.3%
Dividend income	-
Total adjustments to profit/loss	110.3%
Change in inventories	-
Change in trade receivables	7.9%
Change in trade payables	-5.3%
Total adj. for working capital	7.2%
Net Cashflows From Operations	60.3%
Interest received	-
Income taxes paid (refund)	6.9%
Net Cashflows From Operating Activities	141.1%
Proceeds from sales of tangible assets	-
Purchase of tangible assets	45.9%
Dividends received	0.8%
Other inflows/outflows of cash	-
Net Cashflows From Investing Activities	34.1%
Proceeds from issuing shares	-
Proceeds from issuing debt etc	10.5%
Repayments of borrowings	-
Dividends paid	21.2%
Interest paid	20.2%
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

SBIN - State Bank Of India Share Price

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

Investor Care

Financial Health

Technical Indicators

The Bad News

The Good News

Updates from State Bank Of India

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

What does State Bank Of India do?