Market Cap ₹732978 Cr.
Stock P/E 10.9
P/B 2.1
Current Price ₹821.3
Book Value ₹ 391.8
Face Value 1
52W High ₹839.6
Dividend Yield 1.67%
52W Low ₹ 543.2
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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| #(Fig in Cr.) |
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| Interest Earned |
| Other Income |
| Total Income |
| Interest Expense |
| Operating Expenditure |
| Provisions and contingencies |
| Operating Profit |
| Profit Before Tax |
| Provision for Tax |
| Profit After Tax |
| Adjustments |
| Profit After Adjustments |
| Adjusted Earnings Per Share |
| #(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 | 119655 | 136351 | 152397 | 163998 | 175518 | 220499 | 242869 | 257324 | 265151 | 275457 | 332103 | |
| Other Income | 16037 | 18553 | 22576 | 27845 | 35461 | 44601 | 36775 | 45221 | 43496 | 40564 | 36616 | |
| Total Income | 135692 | 154904 | 174973 | 191844 | 210979 | 265100 | 279644 | 302545 | 308647 | 316021 | 368719 | |
| Interest Expense | 75326 | 87069 | 97382 | 106803 | 113659 | 145646 | 154520 | 159239 | 154441 | 154750 | 187263 | |
| Operating Expenditure | 29284 | 35726 | 38054 | 41782 | 46473 | 59943 | 69688 | 75174 | 82652 | 93398 | 97743 | |
| Provisions and contingencies | 11131 | 15935 | 20223 | 29484 | 35993 | 75039 | 53129 | 43330 | 44013 | 24452 | 16507 | |
| Operating Profit | 19951 | 16174 | 19314 | 13774 | 14855 | -15528 | 2307 | 24802 | 27541 | 43422 | 67206 | |
| Profit Before Tax | 19951 | 16174 | 19314 | 13774 | 14855 | -15528 | 2307 | 24802 | 27541 | 43422 | 67206 | |
| Provision for Tax | 5846 | 5283 | 6212 | 3823 | 4371 | -8981 | 1445 | 10314 | 7131 | 11746 | 16973 | |
| Profit After Tax | 14105 | 10891 | 13102 | 9951 | 10484 | -6547 | 862 | 14488 | 20410 | 31676 | 50232 | |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit After Adjustments | 14105 | 10891 | 13102 | 9951 | 10484 | -6547 | 862 | 14488 | 20410 | 31676 | 50232 | |
| Adjusted Earnings Per Share | 20.6 | 14.6 | 17.5 | 12.8 | 13.1 | -7.3 | 1 | 16.2 | 22.9 | 35.5 | 56.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 21% | 9% | 9% | 11% |
| Operating Profit CAGR | 55% | 39% | 0% | 13% |
| PAT CAGR | 59% | 51% | 0% | 14% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 43% | 29% | 19% | 12% |
| ROE Average | 18% | 13% | 10% | 9% |
| ROCE Average | 12% | 9% | 7% | 7% |
| #(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 | 98884 | 118282 | 128438 | 144274 | 188286 | 219129 | 220914 | 232007 | 253875 | 280088 | 327608 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 1202740 | 1394409 | 1576793 | 1730722 | 2044751 | 2706343 | 2911386 | 3241621 | 3681277 | 4051534 | 4423778 |
| Borrowings | 169183 | 183131 | 205150 | 323345 | 317694 | 362142 | 403017 | 314656 | 417298 | 426043 | 493135 |
| Other Liabilities & Provisions | 95405 | 96927 | 137698 | 159276 | 155235 | 167138 | 145597 | 163110 | 181980 | 229932 | 272457 |
| Total Liabilities | 1566211 | 1792748 | 2048080 | 2357618 | 2705966 | 3454752 | 3680914 | 3951394 | 4534430 | 4987597 | 5516979 |
| Cash and balance with RBI | 65830 | 84956 | 115884 | 129629 | 127998 | 150397 | 176932 | 166736 | 213202 | 318265 | 247088 |
| Bank Balance | 48990 | 47594 | 38872 | 37838 | 43974 | 41501 | 45558 | 84361 | 129837 | 76287 | 60812 |
| Investments | 350878 | 398800 | 481759 | 575652 | 765990 | 1060987 | 967022 | 1046955 | 1351705 | 1481445 | 1570366 |
| Advances | 1045617 | 1209829 | 1300026 | 1463700 | 1571078 | 1934880 | 2185877 | 2325290 | 2449498 | 2733967 | 3199269 |
| Fixed Assets | 6596 | 7716 | 9042 | 9819 | 42345 | 39201 | 38509 | 38023 | 38067 | 37467 | 42101 |
| Other Assets | 47892 | 43568 | 102210 | 140408 | 154008 | 226994 | 266328 | 289614 | 351769 | 339925 | 397062 |
| Total Assets | 1566211 | 1792748 | 2048080 | 2357618 | 2705966 | 3454752 | 3680914 | 3951394 | 4534430 | 4987597 | 5516979 |
| #(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 | 97163 | 114820 | 132550 | 154756 | 167468 | 171972 | 191899 | 222490 | 251097 | 343039 | 394552 |
| Cash Flow from Operating Activities | 21653 | 14107 | 27621 | 11197 | 11060 | -85425 | 34628 | 25688 | 89866 | 58415 | -91352 |
| Cash Flow from Investing Activities | -1991 | -3106 | -3258 | -3748 | -3148 | 879 | -3959 | -2977 | -3354 | -2613 | -3297 |
| Cash Flow from Financing Activities | -3260 | 3811 | -2289 | 4506 | -1780 | 4291 | -1088 | 3352 | 5633 | -5178 | 5202 |
| Net Cash Inflow / Outflow | 16402 | 14813 | 22074 | 11954 | 6132 | -80255 | 29581 | 26063 | 92144 | 50625 | -89447 |
| Closing Cash & Cash Equivalent | 114820 | 132550 | 154756 | 167468 | 171972 | 191899 | 222490 | 251097 | 343039 | 394552 | 307900 |
| # | 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) | 20.62 | 14.59 | 17.55 | 12.82 | 13.15 | -7.34 | 0.97 | 16.23 | 22.87 | 35.49 | 56.29 |
| CEPS(Rs) | 22.29 | 16.37 | 19.04 | 15.01 | 16.02 | -4.07 | 4.57 | 19.94 | 26.59 | 39.13 | 59.98 |
| DPS(Rs) | 4.15 | 3 | 3.5 | 2.6 | 2.6 | 0 | 0 | 0 | 4 | 7.1 | 11.3 |
| Book NAV/Share(Rs) | 144.56 | 158.43 | 172.04 | 185.85 | 196.53 | 217.69 | 219.91 | 233.34 | 258.05 | 287.64 | 335.98 |
| Yield on Advances | 11.44 | 11.27 | 11.72 | 11.2 | 11.17 | 11.4 | 11.11 | 11.07 | 10.82 | 10.08 | 10.38 |
| Yield on Investments | 8.07 | 8.58 | 8.09 | 8.25 | 7.7 | 7.89 | 8.02 | 7.33 | 6.35 | 5.96 | 6.32 |
| Cost of Liabilities | 5.49 | 5.52 | 5.46 | 5.2 | 4.81 | 4.75 | 4.66 | 4.48 | 3.77 | 3.46 | 3.81 |
| NIM (Net Interest Margin) | 2.93 | 2.83 | 2.84 | 2.59 | 2.47 | 2.35 | 2.62 | 2.71 | 2.67 | 2.62 | 2.85 |
| Interest Spread | 5.95 | 5.75 | 6.26 | 6 | 6.36 | 6.65 | 6.45 | 6.59 | 7.06 | 6.62 | 6.57 |
| ROA(%) | 0.97 | 0.65 | 0.68 | 0.45 | 0.41 | -0.21 | 0.02 | 0.38 | 0.48 | 0.67 | 0.96 |
| ROE(%) | 15.43 | 10.03 | 10.62 | 7.3 | 6.97 | -3.73 | 0.44 | 7.16 | 9.31 | 13.01 | 18.05 |
| ROCE(%) | 11.61 | 8.82 | 8.68 | 5.42 | 4.71 | -1.03 | 2.75 | 6.26 | 6.49 | 8.27 | 12.06 |
| PER(x) | 10.05 | 13.15 | 15.21 | 15.16 | 22.25 | 0 | 332.06 | 12.13 | 15.93 | 13.9 | 9.3 |
| Price/Book(x) | 1.43 | 1.21 | 1.55 | 1.05 | 1.49 | 1.15 | 1.46 | 0.84 | 1.41 | 1.72 | 1.56 |
| Dividend Yield(%) | 2 | 1.56 | 1.31 | 1.34 | 0.89 | 0 | 0 | 0 | 1.1 | 1.44 | 2.16 |
| EV/Net Sales(x) | 2.6 | 2.39 | 2.65 | 2.89 | 3.14 | 2.65 | 2.84 | 1.91 | 2.8 | 3.15 | 2.89 |
| EV/Core EBITDA(x) | 10 | 10.16 | 10.23 | 10.96 | 10.84 | 9.84 | 12.43 | 7.2 | 10.38 | 12.76 | 11.47 |
| Interest Earned Growth(%) | 12.33 | 13.95 | 11.77 | 7.61 | 7.02 | 25.63 | 10.14 | 5.95 | 3.04 | 3.89 | 20.56 |
| Net Profit Growth | 20.48 | -22.78 | 20.3 | -24.05 | 5.36 | -162.45 | 113.17 | 1580.31 | 40.88 | 55.19 | 58.58 |
| Advances Growth | 20.52 | 15.7 | 7.46 | 12.59 | 7.34 | 23.16 | 12.97 | 6.38 | 5.34 | 11.61 | 17.02 |
| EPS Growth(%) | 18.19 | -29.25 | 20.3 | -26.96 | 2.58 | -155.8 | 113.17 | 1580.35 | 40.88 | 55.19 | 58.58 |
| Loans/Deposits(x) | 14.07 | 13.13 | 13.01 | 18.68 | 15.54 | 13.38 | 13.84 | 9.71 | 11.34 | 10.52 | 11.15 |
| Cash/Deposits(x) | 0.05 | 0.06 | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 | 0.05 | 0.06 | 0.08 | 0.06 |
| Current Ratio(x) | 0.29 | 0.29 | 0.31 | 0.33 | 0.37 | 0.39 | 0.33 | 0.32 | 0.37 | 0.37 | 0.35 |
| Quick Ratio(x) | 14.07 | 13.13 | 13.01 | 18.68 | 15.54 | 13.38 | 13.84 | 9.71 | 11.34 | 10.52 | 11.15 |
| CASA % | 44.82 | 42.91 | 41.34 | 42.62 | 44.57 | 44.49 | 44.57 | 44.23 | 45.4 | 44.52 | 42.67 |
| # | 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 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 507.98 | 507.98 | 507.98 | 507.98 | 507.98 | 507.98 | 507.98 | 507.98 | 507.98 | 507.98 |
| FII | 91.48 | 87.95 | 84.88 | 87.92 | 89.14 | 87.32 | 91.6 | 94.72 | 96.47 | 97.94 |
| DII | 213.81 | 218.87 | 222.71 | 224.3 | 224.26 | 222.81 | 219.79 | 215.53 | 213.71 | 211.82 |
| Public | 68.56 | 67.31 | 66.86 | 62.97 | 62.08 | 65.44 | 64.52 | 65.39 | 65.4 | 65.13 |
| Others | 10.63 | 10.36 | 10.03 | 9.3 | 9.01 | 8.92 | 8.58 | 8.84 | 8.91 | 9.59 |
| Total | 892.46 | 892.46 | 892.46 | 892.46 | 892.46 | 892.46 | 892.46 | 892.46 | 892.46 | 892.46 |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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