State Bank of India

St Bk of India Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

State Bank of India

₹ 781 -2.77%
21 Nov - close price
sbi.co.in BSE: 500112 NSE: SBIN
About

State Bank of India is a Fortune 500 company. It is an Indian Multinational, Public Sector banking and financial services statutory body headquartered in Mumbai. It is the largest and oldest bank in India with over 200 years of history.[1]

Key Points

Ratios (Q1FY24)
Capital Adequacy Ratio - 14.50%
Net Interest Margin - 3.34%
Gross NPA - 4.77%
Net NPA - 1.23%
CASA Ratio - 45.15%[1]

Website BSE NSE
  • Market Cap ₹ 6,97,659 Cr.
  • Current Price ₹ 781
  • High / Low ₹ 912 / 558
  • Stock P/E 9.91
  • Book Value ₹ 423
  • Dividend Yield 1.75 %
  • ROCE 6.05 %
  • ROE 17.3 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 188% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.0%

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.24,57,117 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 69,481 69,678 70,733 72,676 79,860 86,616 92,951 95,975 101,379 106,734 111,043 111,526 113,871
Interest 38,298 38,991 39,535 41,480 44,676 48,547 52,559 57,070 61,879 66,918 69,387 70,401 72,251
21,501 27,813 30,599 25,148 25,976 30,078 33,049 28,173 30,989 31,626 31,887 29,288 32,102
Financing Profit 9,683 2,874 599 6,048 9,207 7,991 7,344 10,732 8,511 8,189 9,769 11,837 9,517
Financing Margin % 14% 4% 1% 8% 12% 9% 8% 11% 8% 8% 9% 11% 8%
789 8,673 11,880 2,312 8,874 11,468 13,961 12,063 10,791 4,359 17,369 11,162 15,271
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 10,472 11,548 12,479 8,360 18,081 19,459 21,305 22,796 19,301 12,548 27,138 22,999 24,788
Tax % 27% 27% 27% 27% 27% 27% 22% 26% 26% 27% 24% 26% 26%
7,627 8,432 9,114 6,068 13,265 14,205 16,695 16,884 14,330 9,164 20,698 17,035 18,331
EPS in Rs 8.55 9.45 10.21 6.80 14.86 15.92 18.71 18.92 16.06 10.27 23.19 19.09 20.54
Gross NPA % 4.90% 4.50% 3.97% 3.91% 3.52% 3.14% 2.78% 2.76% 2.55% 2.42% 2.24% 2.21% 2.13%
Net NPA % 1.52% 1.34% 1.02% 1.00% 0.80% 0.77% 0.67% 0.71% 0.64% 0.64% 0.57% 0.57% 0.53%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 119,655 136,351 152,397 163,998 175,518 220,499 242,869 257,324 265,151 275,457 332,103 415,131 443,173
Interest 75,326 87,069 97,382 106,803 113,658 145,646 154,520 159,239 154,441 154,750 187,263 255,255 278,957
39,276 50,327 57,161 69,566 80,172 132,063 120,304 114,940 123,348 114,601 110,953 126,423 124,903
Financing Profit 5,054 -1,045 -2,145 -12,371 -18,312 -57,209 -31,955 -16,855 -12,638 6,107 33,887 33,453 39,313
Financing Margin % 4% -1% -1% -8% -10% -26% -13% -7% -5% 2% 10% 8% 9%
16,037 18,553 22,576 27,845 35,461 44,601 36,775 45,221 43,496 40,564 36,616 51,682 48,161
Depreciation 1,140 1,334 1,116 1,700 2,293 2,919 3,212 3,304 3,318 3,249 3,297 3,352 0
Profit before tax 19,951 16,174 19,314 13,774 14,855 -15,528 1,607 25,063 27,541 43,422 67,206 81,783 87,473
Tax % 29% 33% 32% 28% 29% -58% 46% 42% 26% 27% 25% 25%
14,105 10,891 13,102 9,951 10,484 -6,547 862 14,488 20,410 31,676 50,232 61,077 65,229
EPS in Rs 20.62 14.59 17.55 12.82 13.15 -7.34 0.97 16.23 22.87 35.49 56.29 68.44 73.09
Dividend Payout % 20% 21% 20% 20% 20% 0% 0% 0% 17% 20% 20% 20%
Compounded Sales Growth
10 Years: 12%
5 Years: 11%
3 Years: 16%
TTM: 18%
Compounded Profit Growth
10 Years: 19%
5 Years: 188%
3 Years: 44%
TTM: 13%
Stock Price CAGR
10 Years: 10%
5 Years: 19%
3 Years: 17%
1 Year: 40%
Return on Equity
10 Years: 9%
5 Years: 13%
3 Years: 15%
Last Year: 17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 684 747 747 776 797 892 892 892 892 892 892 892
Reserves 98,200 117,536 127,692 143,498 187,489 218,236 220,021 231,115 252,983 279,196 326,716 376,354
1,371,922 1,577,539 1,781,944 2,054,067 2,362,445 3,068,485 3,314,403 3,556,276 4,098,575 4,477,578 4,916,913 5,513,638
95,405 96,413 137,332 158,804 155,235 178,347 145,595 163,104 181,977 229,929 272,457 288,802
Total Liabilities 1,566,211 1,792,235 2,047,714 2,357,145 2,705,966 3,465,961 3,680,912 3,951,388 4,534,427 4,987,595 5,516,979 6,179,686
6,596 7,716 9,042 9,819 42,345 39,201 38,509 38,023 38,067 37,467 42,101 42,126
CWIP 409 286 287 570 574 792 689 416 352 241 281 491
Investments 350,878 398,800 481,759 575,652 765,990 1,060,987 967,022 1,046,955 1,351,705 1,481,445 1,570,366 1,671,340
1,208,329 1,385,433 1,556,626 1,771,104 1,897,058 2,364,982 2,674,692 2,865,994 3,144,303 3,468,441 3,904,230 4,465,729
Total Assets 1,566,211 1,792,235 2,047,714 2,357,145 2,705,966 3,465,961 3,680,912 3,951,388 4,534,427 4,987,595 5,516,979 6,179,686

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
21,653 14,107 27,621 11,197 11,060 -85,425 34,628 25,688 89,866 58,415 -91,352 19,022
-736 -189 -3,126 -2,991 -4,776 101,061 -2,948 -433 -3,556 -1,724 -503 -2,264
-3,260 3,811 -2,289 4,506 -1,780 4,291 -1,088 3,352 5,633 -5,178 5,202 -13,855
Net Cash Flow 17,657 17,729 22,206 12,712 4,504 19,927 30,591 28,607 91,942 51,514 -86,653 2,902

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 15% 10% 11% 7% 6% -3% 0% 6% 8% 12% 17% 17%

Shareholding Pattern

Numbers in percentages

5 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
57.60% 57.59% 57.57% 57.52% 57.50% 57.49% 57.47% 57.49% 57.49% 57.54% 57.54% 57.51%
10.37% 9.97% 9.62% 9.95% 10.09% 9.89% 10.36% 10.72% 10.91% 11.09% 11.15% 10.71%
24.10% 24.66% 25.09% 25.39% 25.36% 25.20% 24.83% 24.36% 24.15% 23.96% 23.61% 23.96%
0.15% 0.15% 0.15% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.14%
7.78% 7.63% 7.58% 7.10% 7.03% 7.40% 7.30% 7.41% 7.40% 7.37% 7.67% 7.67%
No. of Shareholders 29,18,31229,82,37230,52,75128,37,26627,97,19629,93,29829,48,53630,29,11630,47,68531,50,35036,13,12737,91,512

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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