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Banking And Finance | Large Cap
Health Score : 7.03State Bank of India demonstrates a mixed financial profile. The bank shows strong growth and profitability driven by substantial increases in earnings per share and net income. Its financial ratios such as adjusted EPS, cash EPS, book value per share and dividend per share indicate positive earnings. The bank also exhibits good liquidity, suggesting it can meet its short-term obligations. However, solvency ratios indicate high debt levels, which could pose risks. Efficiency ratios are inconsistent, with some metrics scoring well and others poorly, which could reflect operational challenges. Overall, while SBI benefits from strong growth and profitability, managing its debt and improving operational efficiency are critical for sustained financial health.
Health Score : 7.03State Bank of India demonstrates a mixed financial profile. The bank shows strong growth and profitability driven by substantial increases in earnings per share and net income. Its financial ratios such as adjusted EPS, cash EPS, book value per share and dividend per share indicate positive earnings. The bank also exhibits good liquidity, suggesting it can meet its short-term obligations. However, solvency ratios indicate high debt levels, which could pose risks. Efficiency ratios are inconsistent, with some metrics scoring well and others poorly, which could reflect operational challenges. Overall, while SBI benefits from strong growth and profitability, managing its debt and improving operational efficiency are critical for sustained financial health.
Overall Valuation Score
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Price Movement Indicator
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P/E RATIO (TTM)
12.09
Industry Median
11.61
Large Cap Median
10.86
P/E RATIO
11.61
P/B RATIO
1.62
Industry Median
1.21
Large Cap Median
1.55
P/S RATIO
1.79
Industry Median
1.63
Large Cap Median
1.75
Others
PEG RATIO
0.40
EV/EBITDA RATIO
3.33
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1048 as on Aug 25, 2026.
Growth Score : 10.00The growth ratios demonstrate robust performance, with high revenue, operating profit, EPS, asset, and net income growth rates. This indicates strong market expansion and effective management strategies. The weighted average calculation, emphasizing recent gains, highlights the company's ability to sustain growth momentum and capitalize on market opportunities.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 4.26 | 20.99 | 25.18 | 11.78 | 4.89 |
| Operating Profit Growth Rate | 10.1 | 31.67 | -38.81 | -2.91 | -34.87 |
| Earnings Per Share (EPS) Growth | 57.87 | 57.29 | 20.56 | 15.62 | 3.83 |
| Asset Growth Rate | 10.63 | 11.07 | 13.09 | 8.61 | 13.78 |
| Net Income Growth Rate | 55.66 | 55.31 | 20.42 | 15.79 | 7.63 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Concall Report⬤4th Nov 25
Q2FY26 ANALYST MEET TRANSCRIPT
BULLISH SENTIMENT
No Stock News Available at This Moment.
State Bank of India (SBI) is India's largest public sector bank, offering a comprehensive suite of banking and financial services. It caters to a vast customer base through retail, corporate, treasury, and international banking operations, holding a significant market share and playing a pivotal role in the Indian financial landscape.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. State Bank of India's P/E ratio (TTM) is 12.09, compared to the industry median of 11.61 and large cap median of 10.86.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. State Bank of India's P/B ratio is 1.62, compared to the industry median of 1.21 and large cap median of 1.55.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. State Bank of India's P/S ratio is 1.79, compared to the industry median of 1.63 and large cap median of 1.75.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. State Bank of India's PEG ratio is 0.40.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. State Bank of India's EV/EBITDA ratio is 3.33.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. State Bank of India's ROE is 14.54%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. State Bank of India's ROA is -1.01%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. State Bank of India's ROCE is 71.97%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. State Bank of India's operating margin is -16.25%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. State Bank of India's net margin is 16.83%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. State Bank of India's current ratio is 6.52.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. State Bank of India's debt-to-equity ratio is 10.11.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. State Bank of India's interest coverage ratio is 1.36.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. State Bank of India's DPS is ₹17.15.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. State Bank of India's EPS is 3.83.
(Source line: "Ratios as of 25 Aug 2026, based on last traded price of ₹1048. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1955 (as State Bank of India) (as Imperial Bank of India)
Headquarters: Mumbai, Maharashtra
Core Offerings: Retail Banking, Corporate Banking, Treasury Operations, International Banking, Wealth Management
Stock Listing: NSE (SBIN), BSE (500112)
Promoter: Government of India
The institution's roots trace back to the Bank of Calcutta (later Bank of Bengal) founded in 1806. This, along with the Bank of Bombay (1840) and Bank of Madras (1843), formed the three Presidency Banks. In 1921, these merged to create the Imperial Bank of India. Following India's independence, the Imperial Bank of India was nationalized in 1955 and renamed State Bank of India, becoming the largest commercial bank in the country.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | 46% (PBT share FY24) | Operating Profit |
| Corporate Banking | 35% (PBT share FY24) | Operating Profit |
| Treasury | 18.5% (PBT share FY24) | Operating Profit |
| Other Banking Operations | 0.5% (PBT share FY24) | Operating Profit |
Retail Banking: Offers a broad range of products and services including deposits, loans (home, auto, personal), credit cards, and digital banking solutions to individual customers, MSMEs, and agricultural sector.
Corporate Banking: Provides comprehensive financial solutions such as project finance, working capital, term loans, and trade finance to large corporations, institutional clients, and government undertakings.
Treasury: Manages the bank's investment portfolio, handles foreign exchange operations, money market activities, and derivative products, optimizing liquidity and profitability.
International Banking: Caters to the financial needs of NRIs, handles foreign currency operations, and offers trade finance services through its extensive global branch network and subsidiaries.
Mr. Dinesh Kumar Khara (Chairman): A seasoned banker with over 38 years of experience at SBI, he has held key leadership positions across various functions including global banking, subsidiaries, and risk management.
SBI Cards and Payment Services Ltd.
SBI Life Insurance Company Ltd.
SBI Funds Management Ltd. (SBI Mutual Fund)
SBI General Insurance Company Ltd.
SBI Capital Markets Ltd.
No major recent corporate actions on record (such as bonus or rights issues). The merger of its five associate banks and Bharatiya Mahila Bank with SBI was completed in 2017.
The State Bank of India share price today is ₹1048 on NSE (SBIN), as of 26 Aug 2026.
As of 25 Aug 2026, State Bank of India share price is ₹1048, with previous close ₹1048. Today's range is ₹1048 to ₹1048. The 52-week range is ₹1048 to ₹1048.
As of today, State Bank of India's market cap is ₹9,20,196.4 crore (Large Cap).
State Bank of India's current P/E ratio is 12.09, compared to the BANKING AND FINANCE sector average of 23.50.
State Bank of India's current P/B ratio is 1.62.
State Bank of India's current dividend yield is 1.64%. Last dividend of ₹13.70 per share was declared on 16-May-2024.
State Bank of India's EPS (TTM) is ₹3.83.
State Bank of India (SBI) is India's largest public sector bank, offering a comprehensive suite of banking and financial services. It caters to a vast customer base through retail, corporate, treasury, and international banking operations, holding a significant market share and playing a pivotal role in the Indian financial landscape.
State Bank of India is promoted by Government of India, holding 55.52% as of 25 Aug 2026.
State Bank of India is listed on NSE (SBIN) and BSE (500112). Its next quarterly results are expected on August 2024.
Capital Expenditures (CapEx)