SBI
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SBI share price

State Bank Of India

NSE: SBIN BSE: 500112 SECTOR: Bank - Public  1079k   8k   2k

792.40
-13.25 (-1.64%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 796.2

Today's Low

₹ 788.9

52 Week High

₹ 898.8

52 Week Low

₹ 679.65

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 707186.89 Cr.

CASA %

38.72

No. of Shares

892.46 Cr.

P/E

9.97

P/B

1.71

Face Value

₹ 1

Div. Yield

2.01 %

Book Value (TTM)

₹  463.67

Net Interest Income

₹ 166965.13 Cr.

Cost To Income %

51.64

Promoter Holding

57.43 %

EPS (TTM)

₹  79.44

CAR %

14.25

ROE

18.57 %

ROCE

13.49%

Profit Growth

16.08 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year18.57%
3 Year18.48%
5 Year15.55%

ROA%

1 Year1.1%
3 Year1.03%
5 Year0.85%

Net NPA%

1 Year0.47%
3 Year0.57%
5 Year0.85%

 NIM

1 Year2.7%
3 Year2.79%
5 Year2.73%

CAR %

14.25

Cost of Liabilities %

4.9703

PEG Ratio

0.62

Advances Growth %

12.4013

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 57.43 0.00
Dec 2024 57.43 0.00
Sep 2024 57.51 0.00
Jun 2024 57.54 0.00
Mar 2024 57.54 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 18.4765232393897%.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.57%.
  • CASA stands at 38.718% of total deposits.
  • The company has delivered good Profit growth of 30.8097167346981% over the past 3 years.

 Limitations

  • High Cost to income ratio of 51.6379%.
  • Increase in Provision and contingencies of 211.502282754442% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 111042.63 111525.98 113870.56 117426.63 119666.18
Other Income 17369.25 11161.87 15270.55 11040.76 24209.88
Interest Expended 69387.44 70400.53 72251.02 75981.12 76891.55
Operating Expenses 30276.89 25838.74 27596.35 28935.46 35698.47
Total Provisions 1609.78 3449.42 4505.73 911.06 6441.69
Profit Before Tax 27137.77 22999.16 24788.01 22639.75 24844.35
Tax 6439.42 5964 6456.57 5748.31 6201.76
Net Profit 20698.35 17035.16 18331.44 16891.44 18642.59
Net NPA % 0.57 0.57 0.53 0.53 0.47
Gross NPA % 2.24 2.21 2.13 2.07 1.82
Return on Assets % 1.36 1.1 1.17 1.04 1.12
NPM % 18.64 15.27 16.1 14.38 15.58

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 265150.63 275457.29 332103.06 415130.66 462489.35
Other Income 43496.37 40563.91 36615.6 51682.16 61683.06
Interest Expended 154440.63 154749.7 187262.56 255254.83 295524.23
Operating Expenses 82652.22 93397.52 97743.14 124860.81 118069.02
Total Provisions 44013.03 24452.13 16507.32 4914.22 15307.9
Profit Before Tax 27541.12 43421.85 67205.64 81782.96 95271.27
Taxes 7130.65 11745.87 16973.19 20706.34 24370.64
Net Profit 20410.47 31675.98 50232.45 61076.62 70900.63
Adjusted EPS (Rs.) 22.87 35.49 56.29 68.44 79.44

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 892.46 892.46 892.46 892.46 892.46
Total Reserves 252982.73 279195.6 326715.99 376354.07 440269.66
Deposits 3681277.08 4051534.12 4423777.78 4916076.77 5382189.53
Borrowings 417297.7 426043.38 493135.16 597560.91 563572.52
Other Liabilities 181979.66 229931.84 272457.15 288809.73 289129.1
Total Liabilities 4534429.63 4987597.41 5516978.53 6179693.95 6676053.27
Assets
Balance with RBI 213201.54 318265.21 247087.58 225141.7 227217.49
Balance with Banks 129837.17 76287.11 60812.04 85660.29 113012.19
Investments 1351705.21 1481445.47 1570366.23 1671339.66 1690572.75
Advances 2449497.79 2733966.59 3199269.3 3703970.85 4163312.1
Net Block 38067.41 37467.49 42100.73 42126.37 43684.71
Other Assets 351768.68 339924.86 397061.58 450964.19 437831.18
Total Assets 4534429.63 4987597.41 5516978.53 6179693.95 6676053.27
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 57.54 57.54 57.51 57.43 57.43
president of india 57.54 57.54 57.51 57.43 57.43
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 42.46 42.46 42.49 42.57 42.57
hdfc mutual fund schemes 1.75 1.40 1.42 1.39 1.34
icici mutual fund schemes... - - 1.29 1.46 1.67
life insurance corporatio... 8.93 9.06 9.31 9.13 9.38
nippon life india mutual ... - - 1.03 1.12 1.21
nps trust schemes 1.35 1.33 1.34 1.40 1.49
sbi mutual fund schemes 2.97 3.17 3.20 3.21 2.96
nippon life india mutual ... 1.07 1.02 - - -
government of singapore 1.06 - - - -
icici prudential mutual f... 1.01 - - - -

Annual Reports

Title Action
Annual Report 2025
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY ACTION
Credit INDIA RATINGS
Credit INDIA RATINGS
Credit CARE
Credit FITCH
Credit CARE
Credit CARE
Credit CRISIL
Credit CARE
Credit CARE
Credit FITCH
Credit ICRA
Credit FITCH
Credit CARE
Credit CRISIL
Credit ICRA
Credit ICRA
Credit ICRA
Credit CARE
Credit ICRA
Credit CRISIL
Credit CRISIL
Credit CRISIL
Credit CRISIL
Credit CRISIL
Credit ICRA
Credit ICRA
TYPE AGENCY ACTION
Research Geojit
Research BOB Capital Market
Research Ventura
Research Ventura
Research Way2Wealth
Research Way2Wealth
Research BOB Capital Market
Research Way2Wealth
Research BP Wealth
Research BOB Capital Market
Research BOB Capital Market
Research Way2Wealth
Research BOB Capital Market
Research way2wealth
Research Ventura
Research BOB Capital Market
Research BP Wealth
Research Way2Wealth
Research LKP Securities
Research Way2Wealth
Research LKP Securities
Research LKP Securities
Research Way2Wealth
Research LKP Securities
Research HDFC Securities
Research Way2Wealth
Research LKP Securities
Research LKP Securities
Research Way2Wealth
Research Way2Wealth
Research LKP Securities
Research LKP Securities
Research BOB Capital Market
Research LKP Securities
Research LKP Securities
Research LKP Securities
Research LKP Securities
Research BOB Capital Market
Research BOB Capital Market
Research BOB Capital Markets Ltd.
Research Motilal Oswal
Research HDFC Securities
Research ICICI Securities Limited
Research Nirmal Bang Institutional
Research Geojit BNP Paribas

Concalls & Presentations

TYPE QUARTER ACTION
Concall Q4FY24
Concall Q4FY23
Concall Q3FY24
Concall Q3FY22
Concall Q2FY24
Concall Q1FY25
Concall Q1FY25
Concall Q1FY24
Concall Q1FY23
Concall Q1FY21
TYPE QUARTER ACTION
Presentation Q4FY24
Presentation Q4FY23
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY21
Presentation Q2FY24
Presentation Q2FY21
Presentation Q1FY21

Company News

SBI Stock Price Analysis and Quick Research Report. Is SBI an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how SBI is performing and if it is the right time to buy the stock of SBI with detailed analysis. SBI stock price today is Rs 792.35.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. SBI has earned Rs 462489.3535 Cr. revenue in the latest financial year. SBI has posted outstanding revenue growth of 18.8543476545269 % in last 3 Years.

  • In terms of advances, SBI reported 12.4013 % YOY,  rise . If you see 3 years advance growth, it stands at 15.0487545975142 %.

  • Currently, SBI has a CASA ratio of 38.718 %. It’s overall cost of liability stands at 4.9703 %. Also, the total deposits from these accounts stood at Rs 5382189.5283 Cr.

  • SBI has a healthy ROA track record. The ROA of SBI is at 1.103 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of SBI stood at 1.82 % and 0.47 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 211.502282754442 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of SBI surged and is currently at Rs 61683.0592 Cr.

  • SBI has a Good Capital Adequacy Ratio of 14.25 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently SBI is trading at a P/B of 1.709 . The historical average PB was 1.6541550317144.

  • Share Price: - The current share price of SBI is Rs 792.35. One can use valuation calculators of ticker to know if SBI share price is undervalued or overvalued.

Last Updated on:
Brief about SBI
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