SBI
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SBI share price

State Bank Of India

NSE: SBIN BSE: 500112 SECTOR: Bank - Public  11.21 L   8.92 K   2.62 K

823.80
+5.50 (0.67%)
BSE: 11 Sep 04:01 PM

Price Summary

Today's High

₹ 825.5

Today's Low

₹ 816.25

52 Week High

₹ 875.5

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

₹ 760418.28 Cr.

CASA %

38.72

No. of Shares

923.06 Cr.

P/E

10.41

P/B

1.63

Face Value

₹ 1

Div. Yield

1.93 %

Book Value (TTM)

₹  506.83

Net Interest Income

₹ 166965.13 Cr.

Cost To Income %

51.64

Promoter Holding

57.42 %

EPS (TTM)

₹  79.11

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

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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

0.65

Advances Growth %

12.4013

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 57.42 0.00
Mar 2025 57.43 0.00
Dec 2024 57.43 0.00
Sep 2024 57.51 0.00
Jun 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 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 111525.98 113870.56 117426.63 119666.18 117995.88
Other Income 11161.87 15270.55 11040.76 24209.88 17345.68
Interest Expended 70400.53 72251.02 75981.12 76891.55 76923.39
Operating Expenses 25838.74 27596.35 28935.46 35698.47 27873.7
Total Provisions 3449.42 4505.73 911.06 6441.69 4759.2
Profit Before Tax 22999.16 24788.01 22639.75 24844.35 25785.27
Tax 5964 6456.57 5748.31 6201.76 6624.83
Net Profit 17035.16 18331.44 16891.44 18642.59 19160.44
Net NPA % 0.57 0.53 0.53 0.47 0.47
Gross NPA % 2.21 2.13 2.07 1.82 1.83
Return on Assets % 1.1 1.17 1.04 1.12 1.14
NPM % 15.27 16.1 14.38 15.58 16.24

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 Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 57.54 57.51 57.43 57.43 57.42
president of india 57.54 57.51 57.43 57.43 57.42
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 42.46 42.49 42.57 42.57 42.58
hdfc mutual fund schemes 1.40 1.42 1.39 1.34 1.58
icici mutual fund schemes... - 1.29 1.46 1.67 1.93
kotak mutual fund schemes... - - - - 1.09
life insurance corporatio... 9.06 9.31 9.13 9.38 9.20
nippon life india mutual ... - 1.03 1.12 1.21 1.24
nps trust schemes 1.33 1.34 1.40 1.49 1.63
sbi mutual fund schemes 3.17 3.20 3.21 2.96 2.90
nippon life india mutual ... 1.02 - - - -

Annual Reports

Title Link
Title Link
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 Link
TYPE AGENCY Link
Credit INDIA RATINGS
Credit INDIA RATINGS
Credit CARE
Credit FITCH
Credit CARE
Credit CARE
Credit CRISIL
Credit CARE
Credit FITCH
Credit CARE
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 Link
TYPE AGENCY Link
Research BP Wealth
Research BP Wealth
Research Geojit
Research BOB Capital Market
Research Ventura
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Research Way2Wealth
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Research BP Wealth
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Research Ventura
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Research BP Wealth
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Research LKP Securities
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Research Way2Wealth
Research LKP Securities
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Research LKP Securities
Research HDFC Securities
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Research LKP Securities
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Research Way2Wealth
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Research LKP Securities
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Research BOB Capital Market
Research LKP Securities
Research LKP Securities
Research LKP Securities
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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 Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY23
Concall Q3FY24
Concall Q3FY22
Concall Q2FY24
Concall Q1FY25
Concall Q1FY25
Concall Q1FY24
Concall Q1FY23
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q4FY23
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY21
Presentation Q2FY24
Presentation Q2FY21
Presentation Q1FY21

Additional Resources & References

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.

  •  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 1.6248 . The historical average PB was 1.6541550317144.

One can find all the Financial Ratios of SBI in Ticker for free. Also, one can get the intrinsic value of SBI by using Valuation Calculators, which are available with a Finology ONE subscription. 

SBI FAQs

Q1. What is SBI share price today?
Ans: The current share price of SBI is Rs 823.65.

Q2. What is the market capitalisation of SBI?
Ans: SBI has a market capitalisation of Rs 760279.81747089 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of SBI?
Ans: The PE ratio of SBI is 10.411097080494 and the P/B ratio of SBI is 1.62508765193825, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of SBI share?
Ans: The 52-week high share price of SBI is Rs 875.45, and the 52-week low share price of SBI is Rs 680.

Q5. Does SBI pay dividends?
Ans: Currently, SBI pays dividends. Dividend yield of SBI is around 1.9304%.

Q6. What are the face value and book value of SBI shares?
Ans: The face value of SBI shares is Rs 1, while the book value per share of SBI is around Rs 506.8342. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of SBI?
Ans: The ROE of SBI is 18.5726% and ROCE of SBI is 13.4948%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is SBI a good buy for the long term?
Ans: The SBI long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is SBI undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the SBI appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check SBI’s financials?
Ans: You can review SBI’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about SBI
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