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Consolidated Standalone

SBI

₹811.7 -0.2 | 0%

Market Cap ₹724367 Cr.

Stock P/E 10.6

P/B 1.7

Current Price ₹811.7

Book Value ₹ 488

Face Value 1

52W High ₹912.1

Dividend Yield 1.69%

52W Low ₹ 600.7

Edit Ratio

SBI Research see more...

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Equity Research Report: SBI

Overview Inc. Year: 1806Industry: Bank - Public

State Bank of India is an primarily India-based banking and economic services company. The Company's segments are Treasury, Corporate/Wholesale Banking, Retail Banking and Insurance Business. The Treasury phase includes the complete investment portfolio and buying and selling in forex contracts and derivative contracts. The Corporate/Wholesale Banking phase provided the lending activities of company debts group, industrial purchaser's group and careworn belongings resolution institution. The Retail Banking segment provides retail branches, which commonly includes private banking activities, together with lending activities to company customers, and additionally consists of organization enterprise and automated teller machines (ATMs). The Insurance Business segment contains the results of SBI Life Insurance Co. Ltd. And SBI General Insurance Co. Ltd. It is involved in providing a number of services and products to individuals, business organisations, large corporates, public bodies and institutional clients.

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SBI Share Price

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Quarterly Price

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Peer Comparison

SBI Quarterly Results

#(Fig in Cr.) Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 76781 84463 91518 98083 101460 107391 112868 117469 118242 121045
Other Income 17743 30320 35701 38769 30873 36865 40203 47445 33883 42758
Total Income 94524 114782 127219 136852 132333 144256 153072 164914 152125 163802
Interest Expense 41931 45232 49366 53451 58045 62955 68092 70644 71701 73619
Operating Expenditure 37566 45777 50301 56171 45980 58598 61190 63027 49589 57123
Provisions and contingencies 4762 3431 6196 3795 3101 768 1445 2392 4408 5586
Operating Profit 10265 20342 21355 23436 25208 21936 22345 28852 26428 27474
Profit Before Tax 10265 20342 21355 23436 25208 21936 15245 28852 26428 27474
Provision for Tax 2737 5325 5686 5092 6472 5553 3962 7115 6747 7255
Profit After Tax 7528 15017 15670 18343 18736 16383 11283 21736 19681 20220
Adjustments -203 -265 -192 -249 -199 -284 -219 -352 -356 -437
Profit After Adjustments 7325 14752 15477 18094 18537 16100 11064 21384 19325 19783
Adjusted Earnings Per Share 8.2 16.5 17.3 20.3 20.8 18 12.4 24 21.7 22.2

SBI Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 189062 207974 220633 230447 228970 253322 269852 278115 289973 350845 439189 469624
Other Income 37882 49315 52828 68193 77557 77365 98159 107222 117000 122534 155386 164289
Total Income 226945 257290 273461 298640 306528 330687 368011 385338 406973 473378 594575 633913
Interest Expense 121479 133179 143047 149115 146603 155867 161124 156010 156194 189981 259736 284056
Operating Expenditure 63369 73224 74307 87290 96155 114800 131782 150430 174363 189814 235894 230929
Provisions and contingencies 20771 25032 37930 61291 76004 54090 45054 46089 26680 18185 7715 13831
Operating Profit 21326 25855 18177 945 -12234 5929 30052 32809 49736 75398 91230 105099
Profit Before Tax 21326 25855 18177 945 -12234 5929 30052 32809 49736 75398 91230 97999
Provision for Tax 6836 8337 5434 1336 -8046 2860 11875 8529 13379 18840 23092 25079
Profit After Tax 14489 17517 12743 -391 -4187 3069 18177 24280 36356 56558 68138 72920
Adjustments -316 -523 -519 632 -369 -769 1591 -1874 -982 -910 -1054 -1364
Profit After Adjustments 14174 16994 12225 241 -4556 2300 19768 22405 35374 55648 67085 71556
Adjusted Earnings Per Share 19 22.8 15.7 0.3 -5.1 2.6 22.1 25.1 39.6 62.4 75.2 80.3

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 25% 16% 12% 9%
Operating Profit CAGR 21% 41% 73% 16%
PAT CAGR 20% 41% 86% 17%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 27% 21% 20% 10%
ROE Average 19% 17% 14% 9%
ROCE Average 13% 11% 10% 7%

SBI Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 147371 161388 180592 217192 230322 234496 251060 275562 305588 358931 414939
Minority's Interest 4909 5497 6267 6481 4615 6037 7944 9626 11207 12837 15618
Deposits 1838852 2052961 2253858 2599811 2722178 2940541 3274161 3715331 4087411 4468536 4966537
Borrowings 223760 244663 361399 336366 369079 413748 332901 433796 449160 521152 639610
Other Liabilities & Provisions 181604 235601 271366 285272 290250 293643 331427 411304 507518 592963 697075
Total Liabilities 2396495 2700110 3073483 3445122 3616445 3888464 4197492 4845619 5360884 5954418 6733779
Cash and balance with RBI 114096 144288 160425 161019 150769 177363 166968 213499 318492 247321 225356
Bank Balance 53066 44194 44135 112179 44520 48150 87347 134208 80413 70991 101216
Investments 579401 673507 807375 1027281 1183794 1119270 1228284 1595100 1776490 1913108 2110548
Advances 1578277 1692211 1870261 1896887 1960119 2226854 2374311 2500599 2794076 3267902 3784273
Fixed Assets 10223 11979 14470 50246 40301 39941 39608 39699 39229 44024 44137
Other Assets 61096 133531 176033 196816 236017 276125 300503 362045 351902 410689 467677
Total Assets 2396495 2700110 3073483 3445122 3616445 3888464 4197492 4845619 5360884 5954418 6733779

SBI Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 145228 167161 188481 204559 273197 195289 225512 254315 347707 398905 318312
Cash Flow from Operating Activities 19142 26297 14477 77406 -96508 29556 23929 89919 57695 -86014 21632
Cash Flow from Investing Activities -3536 -3430 -3669 -2832 11066 -857 -3324 -3736 -3619 -4041 -4252
Cash Flow from Financing Activities 3583 -1553 4348 -4196 5547 448 5430 7143 -3845 6386 -9896
Net Cash Inflow / Outflow 19188 21314 15157 70377 -79895 29147 26034 93325 50232 -83668 7484
Closing Cash & Cash Equivalent 167161 188481 204559 273197 195289 225512 254315 347707 398905 318312 326572

SBI Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 18.99 22.76 15.75 0.3 -5.11 2.58 22.15 25.11 39.64 62.35 75.17
CEPS(Rs) 22 25.58 16.42 3.16 -1.22 7.34 24.44 31.32 44.83 67.46 80.57
DPS(Rs) 3 3.5 2.6 2.6 0 0 0 4 7.1 11.3 13.7
Book NAV/Share(Rs) 197.4 216.17 230.87 227.75 230.23 235.13 254.69 282.35 316.22 371.08 434.06
Yield on Advances 11.98 12.29 11.8 12.15 11.68 11.38 11.37 11.12 10.38 10.74 11.61
Yield on Investments 8.48 8.7 7.79 7.59 7.54 7.52 6.84 5.93 5.62 5.85 6.22
Cost of Liabilities 5.89 5.8 5.47 5.08 4.74 4.65 4.47 3.76 3.44 3.81 4.63
NIM (Net Interest Margin) 2.91 2.93 2.69 2.54 2.47 2.73 2.82 2.75 2.69 2.93 2.88
Interest Spread 6.09 6.49 6.33 7.07 6.94 6.73 6.9 7.36 6.94 6.93 6.97
ROA(%) 0.64 0.69 0.44 -0.01 -0.12 0.08 0.45 0.54 0.71 1 1.07
ROE(%) 10.64 11.35 7.48 -0.22 -2.16 1.48 8.32 10.13 13.61 18.44 18.97
ROCE(%) 9.56 9.64 6.08 2.06 -0.3 3.35 6.99 7.08 8.77 12.46 13.2
PER(x) 10.1 11.73 12.34 967.14 0 124.5 8.89 14.51 12.45 8.4 10.01
Price/Book(x) 0.97 1.24 0.84 1.28 1.09 1.36 0.77 1.29 1.56 1.41 1.73
Dividend Yield(%) 1.56 1.31 1.34 0.89 0 0 0 1.1 1.44 2.16 1.82
EV/Net Sales(x) 1.94 2.13 2.32 2.47 2.59 2.76 1.89 2.73 3.07 2.82 2.99
EV/Core EBITDA(x) 8.72 8.73 9.13 9.15 9.29 11.66 6.77 9.62 11.64 10.56 13.25
Interest Earned Growth(%) 12.55 10 6.09 4.45 -0.64 10.64 6.53 3.06 4.26 20.99 25.18
Net Profit Growth -20.92 20.9 -27.25 -103.07 -971.85 173.29 492.26 33.58 49.74 55.57 20.47
Advances Growth 13.33 7.22 10.52 1.42 3.33 13.61 6.62 5.32 11.74 16.96 15.8
EPS Growth(%) -27.52 19.9 -30.82 -98.08 -1787.46 150.47 759.6 13.34 57.88 57.31 20.55
Loans/Deposits(x) 12.17 11.92 16.03 12.94 13.56 14.07 10.17 11.68 10.99 11.66 12.88
Cash/Deposits(x) 0.06 0.07 0.07 0.06 0.06 0.06 0.05 0.06 0.08 0.06 0.05
Current Ratio(x) 0.32 0.33 0.36 0.4 0.43 0.38 0.38 0.43 0.43 0.43 0.42
Quick Ratio(x) 12.17 11.92 16.03 12.94 13.56 14.07 10.17 11.68 10.99 11.66 12.88
CASA % 40.34 39.43 40.62 43.7 44.46 44.55 44.17 45.4 44.52 42.67 39.93

SBI Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 56.92 56.92 56.92 56.92 56.92 56.92 56.92 56.92 56.92 56.92
FII 9.51 9.85 9.99 9.78 10.26 10.61 10.81 10.97 11.04 10.59
DII 24.95 25.13 25.13 24.97 24.63 24.15 23.95 23.73 23.39 23.87
Public 7.49 7.06 6.96 7.33 7.23 7.33 7.33 7.3 7.59 7.59
Others 1.12 1.04 1.01 1 0.96 0.99 1 1.07 1.07 1.03
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 85% CAGR over last 5 years

Cons

  • Earnings include an other income of Rs. 155386 Cr.

* 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.

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