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Consolidated Standalone

SBI

₹816.6 -3.1 | 0.4%

Market Cap ₹728739 Cr.

Stock P/E 10.9

P/B 1.9

Current Price ₹816.6

Book Value ₹ 423.9

Face Value 1

52W High ₹839.6

Dividend Yield 1.68%

52W Low ₹ 543.2

Edit Ratio

SBI Research see more...

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Equity Research Report: SBI

Overview Inc. Year: 1806Industry: Bank - Public

State Bank of India is an primarily India-based banking and economic services company. The Company's segments are Treasury, Corporate/Wholesale Banking, Retail Banking and Insurance Business. The Treasury phase includes the complete investment portfolio and buying and selling in forex contracts and derivative contracts. The Corporate/Wholesale Banking phase provided the lending activities of company debts group, industrial purchaser's group and careworn belongings resolution institution. The Retail Banking segment provides retail branches, which commonly includes private banking activities, together with lending activities to company customers, and additionally consists of organization enterprise and automated teller machines (ATMs). The Insurance Business segment contains the results of SBI Life Insurance Co. Ltd. And SBI General Insurance Co. Ltd. It is involved in providing a number of services and products to individuals, business organisations, large corporates, public bodies and institutional clients.

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SBI Share Price

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Quarterly Price

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Peer Comparison

SBI Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 73376 74608 76781 84463 91518 98083 101460 107391 112868 117469
Other Income 31152 33427 17743 30320 35701 38769 30873 36865 40203 47445
Total Income 104528 108035 94524 114782 127219 136852 132333 144256 153072 164914
Interest Expense 39363 39944 41931 45232 49366 53451 58045 62955 68092 70644
Operating Expenditure 44573 46124 37566 45777 50301 56171 45980 58598 61190 63027
Provisions and contingencies 7442 8109 4762 3431 6196 3795 3101 768 1445 2392
Operating Profit 13150 13858 10265 20342 21355 23436 25208 21936 22345 28852
Profit Before Tax 13150 13858 10265 20342 21355 23436 25208 21936 15245 28852
Provision for Tax 3458 3864 2737 5325 5686 5092 6472 5553 3962 7115
Profit After Tax 9692 9994 7528 15017 15670 18343 18736 16383 11283 21736
Adjustments -137 -445 -203 -265 -192 -249 -199 -284 -219 -352
Profit After Adjustments 9555 9549 7325 14752 15477 18094 18537 16100 11064 21384
Adjusted Earnings Per Share 10.7 10.7 8.2 16.5 17.3 20.3 20.8 18 12.4 24

SBI Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 167976 189062 207974 220633 230447 228970 253322 269852 278115 289973 350845 439188
Other Income 32584 37882 49315 52828 68193 77557 77365 98159 107222 117000 122534 155386
Total Income 200560 226945 257290 273461 298640 306528 330687 368011 385338 406973 473378 594575
Interest Expense 106818 121479 133179 143047 149115 146603 155867 161124 156010 156194 189981 259736
Operating Expenditure 52820 63369 73224 74307 87290 96155 114800 131782 150430 174363 189814 228795
Provisions and contingencies 15040 20771 25032 37930 61291 76004 54090 45054 46089 26680 18185 7706
Operating Profit 25882 21326 25855 18177 945 -12234 5929 30052 32809 49736 75398 98341
Profit Before Tax 25882 21326 25855 18177 945 -12234 5929 30052 32809 49736 75398 91241
Provision for Tax 7559 6836 8337 5434 1336 -8046 2860 11875 8529 13379 18840 23102
Profit After Tax 18323 14489 17517 12743 -391 -4187 3069 18177 24280 36356 56558 68138
Adjustments -407 -316 -523 -519 632 -369 -769 1591 -1874 -982 -910 -1054
Profit After Adjustments 17916 14174 16994 12225 241 -4556 2300 19768 22405 35374 55648 67085
Adjusted Earnings Per Share 26.2 19 22.8 15.7 0.3 -5.1 2.6 22.1 25.1 39.6 62.4 75.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 21% 9% 9% 8%
Operating Profit CAGR 52% 36% 0% 11%
PAT CAGR 56% 46% 0% 12%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 43% 31% 22% 14%
ROE Average 18% 14% 10% 9%
ROCE Average 12% 9% 8% 7%

SBI Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 125033 147371 161388 180592 217192 230322 234496 251060 275562 305588 358931
Minority's Interest 4254 4909 5497 6267 6481 4615 6037 7944 9626 11207 12837
Deposits 1627403 1838852 2052961 2253858 2599811 2722178 2940541 3274161 3715331 4087411 4468536
Borrowings 203723 223760 244663 361399 336366 369079 413748 332901 433796 449160 521152
Other Liabilities & Provisions 172696 181604 235601 271366 285272 290250 293643 331427 411304 507518 592963
Total Liabilities 2133109 2396495 2700110 3073483 3445122 3616445 3888464 4197492 4845619 5360884 5954418
Cash and balance with RBI 89574 114096 144288 160425 161019 150769 177363 166968 213499 318492 247321
Bank Balance 55654 53066 44194 44135 112179 44520 48150 87347 134208 80413 70991
Investments 519343 579401 673507 807375 1027281 1183794 1119270 1228284 1595100 1776490 1913108
Advances 1392608 1578277 1692211 1870261 1896887 1960119 2226854 2374311 2500599 2794076 3267902
Fixed Assets 8693 10223 11979 14470 50246 40301 39941 39608 39699 39229 44024
Other Assets 66559 61096 133531 176033 196816 236017 276125 300503 362045 351902 410689
Total Assets 2133109 2396495 2700110 3073483 3445122 3616445 3888464 4197492 4845619 5360884 5954418

SBI Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 127591 145228 167161 188481 204559 273197 195289 225512 254315 347707 398905
Cash Flow from Operating Activities 24332 19142 26297 14477 77406 -96508 29556 23929 89919 57695 -86014
Cash Flow from Investing Activities -3653 -3536 -3430 -3669 -2832 11066 -857 -3324 -3736 -3619 -4041
Cash Flow from Financing Activities -4424 3583 -1553 4348 -4196 5547 448 5430 7143 -3845 6386
Net Cash Inflow / Outflow 16255 19188 21314 15157 70377 -79895 29147 26034 93325 50232 -83668
Closing Cash & Cash Equivalent 145228 167161 188481 204559 273197 195289 225512 254315 347707 398905 318312

SBI Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 26.19 18.99 22.76 15.75 0.3 -5.11 2.58 22.15 25.11 39.64 62.35
CEPS(Rs) 26.79 22 25.58 16.42 3.16 -1.22 7.34 24.44 31.32 44.83 67.46
DPS(Rs) 4.15 3 3.5 2.6 2.6 0 0 0 4 7.1 11.3
Book NAV/Share(Rs) 182.79 197.4 216.17 230.87 227.75 230.23 235.13 254.69 282.35 316.22 371.08
Yield on Advances 12.06 11.98 12.29 11.8 12.15 11.68 11.38 11.37 11.12 10.38 10.74
Yield on Investments 8 8.48 8.7 7.79 7.59 7.54 7.52 6.84 5.93 5.62 5.85
Cost of Liabilities 5.83 5.89 5.8 5.47 5.08 4.74 4.65 4.47 3.76 3.44 3.81
NIM (Net Interest Margin) 2.97 2.91 2.93 2.69 2.54 2.47 2.73 2.82 2.75 2.69 2.93
Interest Spread 6.23 6.09 6.49 6.33 7.07 6.94 6.73 6.9 7.36 6.94 6.93
ROA(%) 0.92 0.64 0.69 0.44 -0.01 -0.12 0.08 0.45 0.54 0.71 1
ROE(%) 15.85 10.64 11.35 7.48 -0.22 -2.16 1.48 8.32 10.13 13.61 18.44
ROCE(%) 12.28 9.56 9.64 6.08 2.06 -0.3 3.35 6.99 7.08 8.77 12.46
PER(x) 7.91 10.1 11.73 12.34 967.14 0 124.5 8.89 14.51 12.45 8.4
Price/Book(x) 1.13 0.97 1.24 0.84 1.28 1.09 1.36 0.77 1.29 1.56 1.41
Dividend Yield(%) 2 1.56 1.31 1.34 0.89 0 0 0 1.1 1.44 2.16
EV/Net Sales(x) 2.06 1.94 2.13 2.32 2.47 2.59 2.76 1.89 2.73 3.07 2.82
EV/Core EBITDA(x) 8.44 8.72 8.73 9.13 9.15 9.29 11.66 6.77 9.62 11.64 10.56
Interest Earned Growth(%) 14.12 12.55 10 6.09 4.45 -0.64 10.64 6.53 3.06 4.26 20.99
Net Profit Growth 15.75 -20.92 20.9 -27.25 -103.07 -971.85 173.29 492.26 33.58 49.74 55.57
Advances Growth 19.67 13.33 7.22 10.52 1.42 3.33 13.61 6.62 5.32 11.74 16.96
EPS Growth(%) 14.55 -27.52 19.9 -30.82 -98.08 -1787.46 150.47 759.6 13.34 57.88 57.31
Loans/Deposits(x) 12.52 12.17 11.92 16.03 12.94 13.56 14.07 10.17 11.68 10.99 11.66
Cash/Deposits(x) 0.06 0.06 0.07 0.07 0.06 0.06 0.06 0.05 0.06 0.08 0.06
Current Ratio(x) 0.32 0.32 0.33 0.36 0.4 0.43 0.38 0.38 0.43 0.43 0.43
Quick Ratio(x) 12.52 12.17 11.92 16.03 12.94 13.56 14.07 10.17 11.68 10.99 11.66
CASA % 40.75 40.34 39.43 40.62 43.7 44.46 44.55 44.17 45.4 44.52 42.67

SBI Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 56.92 56.92 56.92 56.92 56.92 56.92 56.92 56.92 56.92 56.92
FII 10.25 9.85 9.51 9.85 9.99 9.78 10.26 10.61 10.81 10.97
DII 23.96 24.52 24.95 25.13 25.13 24.97 24.63 24.15 23.95 23.73
Public 7.68 7.54 7.49 7.06 6.96 7.33 7.23 7.33 7.33 7.3
Others 1.19 1.16 1.12 1.04 1.01 1 0.96 0.99 1 1.07
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Company has a low return on equity of 14% over the last 3 years.
  • Earnings include an other income of Rs. 122534 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.

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