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State Bank of India SBIN NIFTY50NSEAIFINANCIALPSU

Financial Services · Banks - Regional · India
https://sbi.bank.in
Company Profile ↓
₹1,031.00
+29.90% 1Y
Mkt Cap₹9.52 L Cr
P/E11.31
P/B1.61
Div. Yield1.67%
52W High₹1,206.06
52W Low₹779.94
Book Value₹645.82
EPS (TTM)₹91.16

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 14.4% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 12.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 11.3, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 21.8%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹3.82 L Cr (+9.2% YoY); net profit ₹83,298.78 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +9.2%, earnings +7.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 12.2%, profit CAGR 14.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:12.19%
1 Year:9.21%

Compounded Profit Growth

5 Years:14.39%
1 Year:7.40%

Stock Price Performance

1 Year:+29.90%
6 Months:+3.39%
3 Months:-2.84%
1 Month:+1.55%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Public Sector Bank / AI Adoption
Core Focus

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.

Key Initiatives
  • AI in risk, fraud & underwriting State Bank of India applies ML to credit scoring, fraud detection and early-warning systems across the country's largest banking balance sheet.
  • YONO digital banking AI AI-driven personalisation and analytics on the YONO platform power cross-sell to a vast retail base, lowering cost-to-serve.
  • Operations automation at scale AI/RPA across collections, KYC and back-office processes drives efficiency across a huge branch network.
Why Investors Should Care
  • AI monetises India's largest deposit and customer franchise — an unmatched data moat.
  • Improving returns (ROE ~15%) and ~28% five-year profit CAGR at a cheap P/E ~11.
  • YONO digital scale gives AI a large base to drive cross-sell and efficiency.
  • As a PSU, execution and policy factors influence the pace of digital monetisation.
AI InvestmentIT 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 RevenueYONO 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 (Now)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 from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 21.8%.
  • Compounding revenue at 12.2% over 5 years.
  • Profit CAGR of 14.4% over 5 years.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
11.31
Industry PE
19.81
Forward P/E
10.06
PEG Ratio
0.53
Book Value
₹645.82
Price to Book
1.61
P/S
2.54
EV/EBITDA
-
Dividend Yield
1.67%

Growth (CAGR)

Revenue 5Y
12.19%
Profit 5Y
14.39%
Revenue (YoY)
9.21%
Earnings (YoY)
7.40%

Profitability & Returns

ROCE
-
ROE
13.97%
ROA
1.00%
Profit Margin
21.82%
Op Margin
28.96%
Gross Margin
0.00%
EPS (Latest Qtr)
₹21.28
EPS (TTM)
₹91.16

Balance Sheet & Liquidity

Debt/Equity
1.22
Quick Ratio
-
Current Ratio
-
Debt
₹7.27 L Cr
Total Assets
₹83.22 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
57.00%
Chg in Prom Hold
1.48%
FII / Inst Holding
29.37%
Chg in FII Hold
-0.58%

Financial Snapshot

Enterprise Value
₹9.52 L Cr
Total Revenue (TTM)
₹3.82 L Cr
EBITDA
-
Free Cash Flow
₹29,734.43 Cr
Operating Cash Flow
₹38,097.39 Cr
Shares Outstanding
₹923.06 Cr
Gross Margin
0.00%
Payout Ratio
17.44%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
5 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
6 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
9 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 1,044.20 19.61 ₹1.96 L Cr 1.32% - 15.21% 13.92% 18.59%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 98,083.00 Cr1.01 L Cr1.07 L Cr1.13 L Cr1.17 L Cr1.18 L Cr-90,456.83 Cr1.01 L Cr88,725.36 Cr-1.07 L Cr1.01 L Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 59,965.00 Cr49,080.00 Cr59,365.00 Cr62,635.00 Cr65,418.00 Cr53,996.00 Cr-61,563.61 Cr69,440.44 Cr53,504.82 Cr-72,534.90 Cr71,106.37 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 53,451.00 Cr58,045.00 Cr62,955.00 Cr68,092.00 Cr70,644.00 Cr71,701.00 Cr-77,396.74 Cr78,227.05 Cr78,266.46 Cr-78,782.55 Cr79,953.43 Cr
Pretax Income 23,436.00 Cr25,208.00 Cr21,936.00 Cr15,245.00 Cr28,852.00 Cr26,428.00 Cr-25,566.40 Cr26,896.82 Cr29,229.12 Cr-30,066.71 Cr26,075.51 Cr
Tax Provision 5,155.92 Cr6,554.08 Cr5,484.00 Cr3,963.70 Cr7,213.00 Cr6,871.28 Cr-6,391.05 Cr6,955.43 Cr7,602.48 Cr-8,190.67 Cr5,914.21 Cr
Net Income 18,769.00 Cr19,094.00 Cr16,648.00 Cr11,598.00 Cr22,203.00 Cr20,094.00 Cr-18,853.16 Cr19,600.46 Cr21,201.47 Cr-21,317.11 Cr19,642.87 Cr
Diluted EPS 20.2720.7718.0412.4023.9621.65-21.1221.9623.76-23.0921.28

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 2.08 L Cr2.21 L Cr2.30 L Cr2.29 L Cr2.53 L Cr2.70 L Cr2.78 L Cr2.90 L Cr2.70 L Cr3.24 L Cr3.50 L Cr3.82 L Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 96,675.00 Cr1.10 L Cr1.46 L Cr1.69 L Cr1.66 L Cr1.73 L Cr1.93 L Cr1.97 L Cr1.86 L Cr2.29 L Cr2.33 L Cr2.57 L Cr
Operating Income ------------
EBITDA ------------
Interest Expense 1.33 L Cr1.43 L Cr1.49 L Cr1.47 L Cr1.56 L Cr1.61 L Cr1.56 L Cr1.56 L Cr1.90 L Cr2.60 L Cr3.01 L Cr3.15 L Cr
Pretax Income 25,855.00 Cr18,177.00 Cr945.00 Cr-12,245.00 Cr5,220.00 Cr30,317.00 Cr32,796.00 Cr49,739.00 Cr75,398.56 Cr91,240.05 Cr1.06 L Cr1.14 L Cr
Tax Provision 8,273.60 Cr5,453.10 Cr1,332.45 Cr8,081.70 Cr2,140.20 Cr12,126.80 Cr8,526.96 Cr13,429.53 Cr18,840.13 Cr23,101.78 Cr27,348.14 Cr28,859.51 Cr
Net Income 17,832.00 Cr13,019.00 Cr-97.00 Cr-3,749.00 Cr3,351.00 Cr21,140.00 Cr23,888.00 Cr37,183.00 Cr55,648.17 Cr67,084.67 Cr77,561.34 Cr83,298.78 Cr
Diluted EPS 22.7615.750.30-5.112.5822.1525.1139.6462.3575.1786.9191.16

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 26.99 L Cr30.72 L Cr34.42 L Cr36.16 L Cr38.88 L Cr41.97 L Cr48.46 L Cr53.61 L Cr59.54 L Cr67.34 L Cr73.14 L Cr83.22 L Cr
Current Assets ------------
Cash & Equivalents --------5.37 L Cr5.98 L Cr6.21 L Cr6.67 L Cr
Inventory ------------
Receivables --------2.26 L Cr2.71 L Cr2.99 L Cr3.67 L Cr
Total Liabilities --------55.83 L Cr63.03 L Cr68.09 L Cr77.07 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------5.22 L Cr5.57 L Cr6.18 L Cr7.27 L Cr
Total Equity 1.61 L Cr1.81 L Cr2.17 L Cr2.30 L Cr2.34 L Cr2.51 L Cr2.76 L Cr3.06 L Cr3.59 L Cr4.15 L Cr4.87 L Cr5.96 L Cr
Shares Outstanding --------892.46 Cr892.46 Cr892.46 Cr923.06 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 26,297.00 Cr14,477.00 Cr77,406.00 Cr-96,508.00 Cr29,556.00 Cr23,929.00 Cr89,919.00 Cr--86,013.68 Cr21,632.43 Cr45,484.01 Cr38,097.39 Cr
Investing Cash Flow -3,424.00 Cr-2,747.00 Cr-4,572.00 Cr13,053.00 Cr220.00 Cr-555.00 Cr-3,670.00 Cr--4,040.97 Cr-4,251.72 Cr-5,634.74 Cr-690.89 Cr
Financing Cash Flow -1,553.00 Cr4,348.00 Cr-4,196.00 Cr5,547.00 Cr448.00 Cr5,430.00 Cr7,143.00 Cr-6,386.38 Cr-9,896.28 Cr-10,736.79 Cr-3,427.14 Cr
Capital Expenditure -3,449.00 Cr-3,776.00 Cr-4,424.00 Cr6,602.00 Cr-3,006.00 Cr-3,065.00 Cr-3,828.00 Cr--4,043.63 Cr-4,175.13 Cr-5,637.22 Cr-8,362.96 Cr
Free Cash Flow 22,848.00 Cr10,701.00 Cr72,982.00 Cr-89,906.00 Cr26,550.00 Cr20,864.00 Cr86,091.00 Cr--90,057.31 Cr17,457.30 Cr39,846.78 Cr29,734.43 Cr
Net Change in Cash 21,320.00 Cr16,078.00 Cr68,638.00 Cr-77,908.00 Cr30,223.00 Cr28,803.00 Cr93,392.00 Cr--83,668.27 Cr7,484.44 Cr29,112.47 Cr33,979.37 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 8.6%5.9%-0.0%-1.6%1.3%7.8%8.6%12.8%20.6%20.7%22.2%21.8%
ROE % 11.0%7.2%-0.0%-1.6%1.4%8.4%8.7%12.2%15.5%16.2%15.9%14.0%
ROCE % ------------

Shareholding Pattern

Insiders
57.00%
Institutions
29.37%
Public Float
68.31%

Top Institutional Holders

#Holder% HeldSharesValue
1 Advisors Inner Circle Fund III-GQG Partners Emerging Markets Equity Fd 0.25% 2.19 Cr ₹2,269.92 Cr
2 Vanguard International Stock Index-Emerging Markets Stk 0.22% 2.00 Cr ₹2,073.74 Cr
3 Vanguard International Stock Index-Total Intl Stock Indx 0.20% 1.81 Cr ₹1,878.38 Cr
4 iShares Core MSCI Emerging Markets ETF 0.18% 1.61 Cr ₹1,668.21 Cr
5 iShares MSCI India ETF 0.10% 85.58 L ₹887.47 Cr
6 Calvert World Values Emerging Markets Equity Fund 0.09% 80.38 L ₹833.58 Cr
7 iShares MSCI Emerging Markets ETF 0.08% 72.31 L ₹749.85 Cr
8 DFA Investment Dimensions-DFA Emerging Mkts Value 0.07% 60.87 L ₹631.27 Cr
9 Advisers Investment Tr-JOHCM Emerging Markets Opportunities Fd 0.04% 35.17 L ₹364.75 Cr
10 College Retirement Equities Fund-Stock Account 0.04% 38.37 L ₹397.87 Cr

Analyst View

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Latest News

Recent headlines for SBIN

Google News Fri, 10 Jul 2026

SBIN Outlook for the Week (July 13, 2026 – July 17, 2026) - Equitypandit

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Google News Fri, 08 May 2026

Is SBI stock a good buy after today's 7% decline? Here's a stop-loss for short-term traders - TradingView

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Google News ue, 20 Jan 2026

CLSA reiterates Outperform rating on State Bank of India stock ahead of 3Q results - Investing.com

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Google News Fri, 10 Jul 2026

SBI Sells 1.42% Stake for 1,655 Cr in Sbi Funds Management Ahead of Arm’s IPO - HDFC Sky

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Google News hu, 09 Jul 2026

India's SBI to sell 1.42% stake in SBI Funds in pre-IPO deal - marketscreener.com

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Google News Mon, 19 Jan 2026

State Bank of India (NSE:SBIN) jumps 4.2% this week, though earnings growth is still tracking behind five-year shareholder returns - simplywall.st

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SBIN — Frequently Asked Questions

What is the current share price of State Bank of India (SBIN)?

As of 2026-07-15 09:52 IST, State Bank of India (SBIN) trades at ₹1,031.00 on NSE. Its 52-week range is ₹779.94 to ₹1,206.06.

What is the market capitalisation of SBIN?

State Bank of India (SBIN) has a market capitalisation of ₹9.52 L Cr on NSE.

What is the P/E ratio of SBIN?

SBIN trades at a trailing price-to-earnings (P/E) ratio of 11.31. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.61.

Does SBIN pay a dividend?

State Bank of India (SBIN) currently offers a dividend yield of 1.67%.

What is the return on equity (ROE) of SBIN?

SBIN has a return on equity (ROE) of 13.97%.

Is SBIN a good stock to buy?

This page provides a data-driven analysis of State Bank of India (SBIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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