State Bank of India SBIN NIFTY50NSEAIFINANCIALPSU

Financial Services · Banks - Regional · India

https://sbi.bank.in

State Bank of India provides banking products and services in India and internationally. The company operates through the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers personal banking products and services, including current, savings, salary, and deposit accounts; home, personal, pension, auto, education, and gold loans, as well as loans against insurance property, and securities; debit, business debit, prepaid, and green remit cards; overdrafts; mutual funds, insurance, equity trading, portfolio investment schemes, remittance services; digital lending; and mobile, internet, and digital banking services. The company also provides corporate banking products and services comprising corporate accounts, working capital and project finance, deferred payment guarantees, corporate term loans, structured finance, dealer and channel financing, equipment leasing, loan syndication, construction equipment loans, financing Indian firms' overseas subsidiaries or JVs, and cash management, as well as trade and service products. In addition, it offers NRI services, including accounts, investments, loans, and remittances; agricultural banking services; and international banking services. Further, it provides life and general insurance; estate planning services; merchant banking and advisory; securities broking; trusteeship service; factoring; payment solution; asset management; portfolio and investment management; credit cards; and custody and fund accounting services. State Bank of India was founded in 1806 and is headquartered in Mumbai, India.

Market & Price

Market Cap

₹8.90 L Cr

Current Price

₹964.40

High / Low (52W)

₹1,206.06 / ₹771.20

Beta

0.47

Valuation

Stock P/E

10.58

Industry PE

19.12

Forward P/E

9.45

PEG Ratio

0.53

Book Value

₹641.36

Price to Book

1.50

P/S

2.36

EV/EBITDA

Dividend Yield

1.80%

Profitability & Returns

ROCE

ROE

15.48%

ROA

1.11%

Profit Margin

22.11%

Op Margin

28.96%

EPS (Latest Qtr)

₹21.28

EPS (TTM)

₹91.14

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

₹8.61 L Cr

Total Assets

₹83.22 L Cr

Current Assets

Working Capital

Ownership

Promoter Holding

57.00%

Chg in Prom Hold

FII / Inst Holding

29.68%

Chg in FII Hold

0.01%

Financial Snapshot

Enterprise Value

₹15.44 L Cr

Total Revenue (TTM)

₹3.77 L Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-5.65 L Cr

Shares Outstanding

₹923.06 Cr

Gross Margin

0.00%

Payout Ratio

17.44%

Growth (CAGR)

Revenue 5Y

12.19%

Profit 5Y

14.39%

Revenue (YoY)

7.10%

Earnings (YoY)

-3.10%

PROS

Excellent profit margin of 22.1%.
Compounding revenue at 12.2% over 5 years.
Profit CAGR of 14.4% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
5	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
6	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
7	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
8	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%
9	JIOFIN Jio Financial Services Limited NIFTY50NSEAIFINANCIAL	238.95	99.15	₹1.58 L Cr	0.21%	1.63%	1.21%	407.38%	268.28%

Quarterly Results

Figures in INR.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	90,456.83 Cr	1.01 L Cr	88,725.36 Cr	-	1.07 L Cr	1.01 L Cr
Cost of Revenue	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-
Operating Expenses	-	61,563.61 Cr	69,440.44 Cr	53,504.82 Cr	-	72,534.90 Cr	71,106.37 Cr
Operating Income	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-
Interest Expense	-	77,396.74 Cr	78,227.05 Cr	78,266.46 Cr	-	78,782.55 Cr	79,953.43 Cr
Pretax Income	-	25,566.40 Cr	26,896.82 Cr	29,229.12 Cr	-	30,066.71 Cr	26,075.51 Cr
Tax Provision	-	6,391.05 Cr	6,955.43 Cr	7,602.48 Cr	-	8,190.67 Cr	5,914.21 Cr
Net Income	-	18,853.16 Cr	19,600.46 Cr	21,201.47 Cr	-	21,317.11 Cr	19,642.87 Cr
Diluted EPS	-	21.12	21.96	23.76	-	23.09	21.28

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	2.70 L Cr	3.24 L Cr	3.50 L Cr	3.82 L Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	1.86 L Cr	2.29 L Cr	2.33 L Cr	2.57 L Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	1.90 L Cr	2.60 L Cr	3.01 L Cr	3.15 L Cr
Pretax Income	-	75,398.56 Cr	91,240.05 Cr	1.06 L Cr	1.14 L Cr
Tax Provision	-	18,840.13 Cr	23,101.78 Cr	27,348.14 Cr	28,859.51 Cr
Net Income	-	55,648.17 Cr	67,084.67 Cr	77,561.34 Cr	83,298.78 Cr
Diluted EPS	-	62.35	75.17	86.91	91.16

Compounded Sales Growth

5 Years:	12.19%
1 Year:	7.10%

Compounded Profit Growth

5 Years:	14.39%
1 Year:	-3.10%

Stock Price Performance

1 Year:	+23.13%
6 Months:	+1.15%
3 Months:	-20.04%
1 Month:	-9.67%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	59.54 L Cr	67.34 L Cr	73.14 L Cr	83.22 L Cr
Current Assets	-	-	-	-	-
Cash & Equivalents	-	5.37 L Cr	5.98 L Cr	6.21 L Cr	6.67 L Cr
Inventory	-	-	-	-	-
Receivables	2.06 L Cr	2.26 L Cr	2.71 L Cr	2.99 L Cr	3.67 L Cr
Total Liabilities	-	55.83 L Cr	63.03 L Cr	68.09 L Cr	77.07 L Cr
Current Liabilities	-	-	-	-	-
Long Term Debt	-	-	-	-	-
Total Debt	-	5.22 L Cr	5.57 L Cr	6.18 L Cr	7.27 L Cr
Total Equity	-	3.59 L Cr	4.15 L Cr	4.87 L Cr	5.96 L Cr
Shares Outstanding	-	892.46 Cr	892.46 Cr	892.46 Cr	923.06 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-86,013.68 Cr	21,632.43 Cr	45,484.01 Cr	38,097.39 Cr
Investing Cash Flow	-	-4,040.97 Cr	-4,251.72 Cr	-5,634.74 Cr	-690.89 Cr
Financing Cash Flow	-	6,386.38 Cr	-9,896.28 Cr	-10,736.79 Cr	-3,427.14 Cr
Capital Expenditure	-	-4,043.63 Cr	-4,175.13 Cr	-5,637.22 Cr	-8,362.96 Cr
Free Cash Flow	-	-90,057.31 Cr	17,457.30 Cr	39,846.78 Cr	29,734.43 Cr
Net Change in Cash	-	-83,668.27 Cr	7,484.44 Cr	29,112.47 Cr	33,979.37 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	20.6%	20.7%	22.2%	21.8%
ROE %	-	15.5%	16.2%	15.9%	14.0%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

57.00%

Institutions

29.68%

Public Float

69.04%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Advisors Inner Circle Fund III-GQG Partners Emerging Markets Equity Fd	0.25%	2.19 Cr	₹2,111.01 Cr
2	Vanguard International Stock Index-Emerging Markets Stk	0.22%	2.00 Cr	₹1,928.56 Cr
3	Vanguard International Stock Index-Total Intl Stock Indx	0.20%	1.81 Cr	₹1,746.87 Cr
4	iShares Core MSCI Emerging Markets ETF	0.18%	1.61 Cr	₹1,551.42 Cr
5	iShares MSCI India ETF	0.10%	85.58 L	₹825.34 Cr
6	Calvert World Values Emerging Markets Equity Fund	0.09%	80.38 L	₹775.22 Cr
7	iShares MSCI Emerging Markets ETF	0.08%	72.31 L	₹697.35 Cr
8	DFA Investment Dimensions-DFA Emerging Mkts Value	0.07%	60.87 L	₹587.08 Cr
9	Advisers Investment Tr-JOHCM Emerging Markets Opportunities Fd	0.04%	35.17 L	₹339.22 Cr
10	College Retirement Equities Fund-Stock Account	0.04%	38.37 L	₹370.01 Cr

Analyst View

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SBIN · Financial Services

State Bank of India

About

AI Exposure AI

Public Sector Bank / AI Adoption

SBI's YONO (You Only Need One) super-app is a major digital AI initiative with 70M+ registered users. SBI uses AI in agricultural credit scoring, home loan processing automation, and fraud detection (collaboration with C-DAC). Also deploying chatbot 'SIA' (powered by IBM Watson) and AI for NPA early-warning systems.

AI Investment	IT budget ~₹7,000-8,000 Cr annually. Established SBI Yono 2.0 with AI personalization engine. MoU with IITs and AI institutes for research. C-suite focus on digital transformation under 'SBI Digital 3.0'.
AI Revenue	YONO contributing to 60%+ of retail loan applications being digital. AI in agriculture credit reduced TAT from 30 days to 45 minutes for KCC loans. Incremental revenue from digital channels hard to isolate but YONO ecosystem growing.
ROI Today	ROE ~18% (FY25), ROA ~1.1% — improving. AI driving down cost of digital loan origination. GNPA declining, partly attributed to AI early-warning models. Operational cost ratio improving.
ROI Expected	Yono 2.0 with AI personalisation and cross-sell is medium-term ROE driver. Analysts expect cost-to-income improvement of 150-200 bps over FY25-27 via AI automation in back-office operations.

Curated estimates from public filings and analyst commentary; figures are illustrative.

Business Profile

Revenue by Segment as of FY24

Retail Banking 45%
Corporate/Wholesale Banking 30%
Treasury 15%
Other Banking Business 10%

Revenue by Geography as of FY24

India 90%
International 10%

Highlights

Market Leadership: State Bank of India is the largest bank in India by assets, deposits, branches, and employees.
Digital Transformation: Significant investment in digital banking platforms like YONO (You Only Need One) to enhance customer experience and expand reach.
Subsidiaries & Diversification: Operates various subsidiaries in areas like life insurance, general insurance, asset management, and credit cards, contributing to diversified revenue streams.
Rural & Agricultural Focus: Extensive branch network and focus on agricultural and rural banking, supporting financial inclusion across India.

Strategic Focus

State Bank of India is focused on leveraging its extensive network and digital capabilities to drive growth in both retail and corporate segments. The bank aims to enhance customer experience through technological innovation, expand its reach in underserved markets, and maintain asset quality while supporting India's economic growth.

Curated from company disclosures, investor presentations, and public filings.

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	India
Employees	245,131
Website	https://sbi.bank.in

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State Bank of India SBIN NIFTY50NSEAIFINANCIALPSU

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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