State Bank Of India
SBIN
Banks
₹ 823.55
Price
₹ 760,049
Market Cap
Large Cap
9.57
P/E Ratio
📊 Score Snapshot
3.67 / 25
Performance
25 / 25
Valuation
4.57 / 20
Growth
7.0 / 30
Profitability
40.24 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 29.34 | 16.63 | -134.15 | 19.89 | 34.06 | -15.88 | -31.47 | -179.10 |
| Adj Cash PAT | 29,144 | 17,301 | -117,631 | 19,556 | 31,872 | -12,803 | -27,004 | -158,880 |
| Adj Cash PAT To PAT | 0.36 | 0.25 | -2.04 | 0.53 | 1.34 | -0.51 | -7.44 | 42.27 |
| Adj Cash PE | 26.29 | 45.93 | - | 25.54 | 10.88 | - | - | - |
| Adj EPS | 86.90 | 75.15 | 62.33 | 39.63 | 25.09 | 26.64 | 2.89 | -5.12 |
| Adj Number Of Shares | 892.43 | 892.44 | 892.51 | 892.38 | 892.27 | 892.46 | 891.47 | 891.59 |
| Adj PE | 8.88 | 10.17 | 8.40 | 12.82 | 14.76 | 7.64 | 115.66 | - |
| Adj Peg | 0.57 | 0.49 | 0.15 | 0.22 | - | 0.01 | - | - |
| Bvps | 565.94 | 482.45 | 416.54 | 355.00 | 319.62 | 290.21 | 269.82 | 263.50 |
| Cash Revenue | 490,938 | 878,378 | 701,690 | 579,946 | 556,230 | 539,704 | 506,644 | 457,940 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 2.03 | 1.77 | 2.14 | 1.40 | 1.08 | - | - | - |
| Fcfe | 27,490 | 16,893 | -113,935 | 19,613 | 28,324 | -9,741 | -23,200 | -149,173 |
| Fcfe Margin | 5.60 | 1.92 | -16.24 | 3.38 | 5.09 | -1.80 | -4.58 | -32.57 |
| Fcfe To Adj PAT | 0.34 | 0.24 | -1.97 | 0.53 | 1.19 | -0.39 | -6.39 | 39.69 |
| Market Cap | 688,688 | 682,493 | 467,452 | 453,508 | 330,720 | 156,627 | 282,641 | 231,546 |
| PB | 1.36 | 1.59 | 1.26 | 1.43 | 1.16 | 0.60 | 1.18 | 0.99 |
| PE | 8.88 | 10.17 | 8.40 | 12.82 | 14.76 | 7.92 | 122.89 | - |
| Peg | 0.57 | 0.49 | 0.15 | 0.22 | 1.10 | 0.01 | - | - |
| PS | 1.40 | 0.78 | 0.67 | 0.78 | 0.59 | 0.29 | 0.56 | 0.51 |
| ROE | 17.21 | 17.33 | 16.77 | 12.35 | 8.77 | 10.07 | 1.53 | -1.64 |
| Share Price | 771.70 | 764.75 | 523.75 | 508.20 | 370.65 | 175.50 | 317.05 | 259.70 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 128,040 | 125,729 | 126,997 | 249,308 | 242,090 | 236,484 | 234,938 | 225,736 | 214,782 | 202,920 | 196,166 | 183,036 | 168,926 | 153,562 |
| Interest | 78,002 | 78,266 | 78,227 | 77,397 | 73,619 | 71,701 | 70,644 | 68,092 | 62,955 | 58,045 | 53,451 | 49,366 | 45,232 | 41,931 |
| Expenses - | 72,265 | 59,496 | 74,438 | 64,890 | 62,709 | 53,996 | 65,418 | 62,635 | 59,365 | 49,080 | 59,965 | 56,498 | 49,208 | 42,328 |
| Financing Profit | -22,227 | -12,034 | -25,668 | -17,634 | -15,283 | -7,455 | -18,593 | -17,858 | -14,930 | -5,665 | -15,334 | -14,346 | -9,977 | -7,478 |
| Financing Margin % | -17.36 | -9.57 | -20.21 | -7.07 | -6.31 | -3.15 | -7.91 | -7.91 | -6.95 | -2.79 | -7.82 | -7.84 | -5.91 | -4.87 |
| Other Income - | 47,857 | 41,263 | 52,565 | 43,200 | 42,758 | 33,883 | 47,445 | 40,203 | 36,865 | 30,873 | 38,769 | 35,701 | 30,320 | 17,743 |
| Exceptional Items | 3,027 | - | - | - | - | - | - | -7,100 | - | - | - | - | - | - |
| Profit Before Tax | 28,657 | 29,229 | 26,897 | 25,566 | 27,474 | 26,428 | 28,852 | 15,245 | 21,936 | 25,208 | 23,436 | 21,355 | 20,342 | 10,265 |
| Tax % | 23.71 | 24.32 | 24.23 | 23.79 | 25.15 | 23.97 | 23.05 | 23.92 | 24.11 | 24.25 | 19.91 | 25.60 | 24.80 | 24.05 |
| Net Profit - | 21,861 | 22,121 | 20,379 | 19,484 | 20,565 | 20,094 | 22,203 | 11,598 | 16,648 | 19,094 | 18,769 | 15,888 | 15,297 | 7,796 |
| Profit From Associates | 356.00 | 495.00 | 438.00 | 308.00 | 345.00 | 414.00 | 466.00 | 316.00 | 265.00 | 358.00 | 426.00 | 219.00 | 279.00 | 268.00 |
| Minority Share | -723.00 | -920.00 | -779.00 | -631.00 | -782.00 | -769.00 | -819.00 | -534.00 | -548.00 | -558.00 | -675.00 | -411.00 | -545.00 | -471.00 |
| Exceptional Items At | 2,271 | - | - | - | - | - | - | -5,255 | - | - | - | - | - | - |
| Profit Excl Exceptional | 19,589 | 22,121 | 20,379 | 19,484 | 20,565 | 20,094 | 22,203 | 16,853 | 16,648 | 19,094 | 18,769 | 15,888 | 15,297 | 7,796 |
| Profit For PE | 18,941 | 21,201 | 19,600 | 18,853 | 19,783 | 19,325 | 21,384 | 16,077 | 16,100 | 18,537 | 18,094 | 15,477 | 14,752 | 7,325 |
| Profit For EPS | 21,137 | 21,201 | 19,600 | 18,853 | 19,783 | 19,325 | 21,384 | 11,064 | 16,100 | 18,537 | 18,094 | 15,477 | 14,752 | 7,325 |
| EPS In Rs | 22.90 | 23.76 | 21.96 | 21.12 | 22.17 | 21.65 | 23.96 | 12.40 | 18.04 | 20.77 | 20.27 | 17.34 | 16.53 | 8.21 |
| PAT Margin % | 17.07 | 17.59 | 16.05 | 7.82 | 8.49 | 8.50 | 9.45 | 5.14 | 7.75 | 9.41 | 9.57 | 8.68 | 9.06 | 5.08 |
| PBT Margin | 22.38 | 23.25 | 21.18 | 10.25 | 11.35 | 11.18 | 12.28 | 6.75 | 10.21 | 12.42 | 11.95 | 11.67 | 12.04 | 6.68 |
| Tax | 6,796 | 7,108 | 6,518 | 6,082 | 6,909 | 6,334 | 6,649 | 3,647 | 5,288 | 6,114 | 4,667 | 5,467 | 5,045 | 2,469 |
| Yoy Profit Growth % | -4.00 | 10.00 | -8.00 | 17.00 | 23.00 | 4.00 | 18.00 | 4.00 | 9.00 | 153.00 | 89.00 | 62.00 | 5.00 | -1.00 |
| Adj PAT | 24,170 | 22,121 | 20,379 | 19,484 | 20,565 | 20,094 | 22,203 | 6,196 | 16,648 | 19,094 | 18,769 | 15,888 | 15,297 | 7,796 |
| Adj PAT Margin | 18.88 | 17.59 | 16.05 | 7.82 | 8.49 | 8.50 | 9.45 | 2.74 | 7.75 | 9.41 | 9.57 | 8.68 | 9.06 | 5.08 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 490,938 | 878,378 | 701,690 | 579,946 | 556,230 | 539,704 | 506,644 | 457,940 | 460,894 | 441,266 | 415,948 | 378,124 |
| Interest | 300,943 | 259,736 | 189,981 | 156,194 | 156,010 | 161,124 | 155,867 | 146,603 | 149,115 | 143,047 | 133,179 | 121,479 |
| Expenses - | 252,043 | 239,750 | 204,303 | 197,349 | 192,821 | 172,909 | 166,104 | 169,065 | 145,666 | 109,985 | 96,675 | 82,198 |
| Financing Profit | -62,049 | -60,297 | -43,439 | -63,570 | -70,715 | -64,181 | -68,649 | -86,697 | -64,334 | -32,399 | -21,879 | -14,614 |
| Financing Margin % | -12.64 | -6.86 | -6.19 | -10.96 | -12.71 | -11.89 | -13.55 | -18.93 | -13.96 | -7.34 | -5.26 | -3.86 |
| Other Income - | 172,422 | 155,412 | 122,563 | 117,017 | 107,251 | 92,406 | 76,931 | 77,588 | 68,237 | 52,849 | 49,366 | 37,928 |
| Exceptional Items | -16.00 | -25.00 | -29.00 | -16.00 | -28.00 | 5,753 | 434.00 | -31.00 | -44.00 | -21.00 | -51.00 | -46.00 |
| Depreciation | 3,991 | 3,849 | 3,696 | 3,691 | 3,711 | 3,662 | 3,496 | 3,105 | 2,915 | 2,252 | 1,581 | 1,942 |
| Profit Before Tax | 106,365 | 91,240 | 75,399 | 49,739 | 32,796 | 30,317 | 5,220 | -12,245 | 945.00 | 18,177 | 25,855 | 21,326 |
| Tax % | 24.30 | 23.78 | 23.41 | 25.24 | 27.16 | 30.27 | 35.80 | 69.38 | 110.26 | 28.38 | 31.03 | 30.57 |
| Net Profit - | 80,523 | 69,543 | 57,750 | 37,183 | 23,888 | 21,140 | 3,351 | -3,749 | -97.00 | 13,019 | 17,832 | 14,807 |
| Profit From Associates | 1,505 | 1,405 | 1,191 | 827.00 | -392.00 | 2,963 | 281.00 | 438.00 | 293.00 | 276.00 | 314.00 | 318.00 |
| Minority Share | -2,961 | -2,459 | -2,102 | -1,809 | -1,482 | -1,372 | -1,051 | -807.00 | 339.00 | -795.00 | -838.00 | -633.00 |
| Exceptional Items At | -12.00 | -18.00 | -20.00 | -12.00 | -18.00 | 3,500 | 196.00 | -26.00 | 208.00 | -15.00 | -33.00 | -31.00 |
| Profit Excl Exceptional | 80,535 | 69,562 | 57,770 | 37,195 | 23,906 | 17,640 | 3,154 | -3,723 | -305.00 | 13,034 | 17,864 | 14,839 |
| Profit For PE | 77,573 | 67,102 | 55,668 | 35,385 | 22,422 | 16,495 | 2,165 | -3,723 | -305.00 | 12,238 | 17,025 | 14,204 |
| Profit For EPS | 77,561 | 67,085 | 55,648 | 35,374 | 22,405 | 19,768 | 2,300 | -4,556 | 241.00 | 12,225 | 16,994 | 14,174 |
| EPS In Rs | 86.91 | 75.17 | 62.35 | 39.64 | 25.11 | 22.15 | 2.58 | -5.11 | 0.30 | 15.75 | 22.76 | 18.99 |
| Dividend Payout % | 18.00 | 18.00 | 18.00 | 18.00 | 16.00 | - | - | - | 859.00 | 17.00 | 15.00 | 16.00 |
| PAT Margin % | 16.40 | 7.92 | 8.23 | 6.41 | 4.29 | 3.92 | 0.66 | -0.82 | -0.02 | 2.95 | 4.29 | 3.92 |
| PBT Margin | 21.67 | 10.39 | 10.75 | 8.58 | 5.90 | 5.62 | 1.03 | -2.67 | 0.21 | 4.12 | 6.22 | 5.64 |
| Tax | 25,842 | 21,697 | 17,649 | 12,556 | 8,908 | 9,177 | 1,869 | -8,496 | 1,042 | 5,158 | 8,023 | 6,519 |
| Adj PAT | 80,511 | 69,524 | 57,728 | 37,171 | 23,868 | 25,152 | 3,630 | -3,758 | -92.49 | 13,004 | 17,797 | 14,775 |
| Adj PAT Margin | 16.40 | 7.92 | 8.23 | 6.41 | 4.29 | 4.66 | 0.72 | -0.82 | -0.02 | 2.95 | 4.28 | 3.91 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 42,358 | 39,484 | - | 36,605 | 33,707 | 30,712 | 27,748 | 25,001 | 22,402 |
| Average Total Assets | - | 7,023,743 | 6,344,086 | - | 5,657,646 | 5,103,246 | 4,521,550 | 4,042,973 | 3,752,450 | 3,529,100 |
| Average Total Equity | - | 467,810 | 401,162 | - | 344,282 | 300,991 | 272,096 | 249,768 | 237,734 | 229,304 |
| Borrowing | 650,303 | 610,857 | 639,610 | - | 521,152 | 449,160 | 433,796 | 332,901 | 413,748 | 369,079 |
| Cwip | - | 41.00 | 42.00 | - | 66.00 | 28.00 | 116.00 | 470.00 | 762.00 | 925.00 |
| Cash Equivalents | 273,477 | 208,894 | 206,767 | - | 225,693 | 296,525 | 189,807 | 146,634 | 158,218 | 134,973 |
| Deposits | 5,655,559 | 5,439,898 | 4,966,537 | - | 4,468,536 | 4,087,411 | 3,715,331 | 3,274,161 | 2,940,541 | 2,722,178 |
| Fixed Assets | 54,362 | 47,716 | 46,072 | - | 45,880 | 41,032 | 41,600 | 39,608 | 39,941 | 42,035 |
| Gross Block | - | 90,074 | 85,555 | - | 82,485 | 74,740 | 72,312 | 67,356 | 64,942 | 64,437 |
| Investments | 2,276,621 | 2,205,601 | 2,110,548 | - | 1,913,108 | 1,776,490 | 1,595,100 | 1,228,284 | 1,119,270 | 1,183,794 |
| Loans N Advances | 4,457,752 | 31,785 | 23,990 | - | 16,890 | 22,650 | 26,435 | 35,004 | 24,700 | 17,729 |
| Long Term Borrowings | - | - | - | - | - | - | - | - | - | - |
| Net Debt | -2,550,098 | -2,414,495 | 3,288,832 | - | 2,850,886 | 2,463,555 | 2,364,220 | 2,232,143 | 2,076,801 | 1,772,491 |
| Non Controlling Interest | 19,613 | 18,026 | 15,618 | - | 12,837 | 11,207 | 9,626 | 7,944 | 6,037 | 4,615 |
| Other Asset Items | 611,187 | 4,819,693 | 4,346,337 | - | 3,752,779 | 3,224,153 | 2,992,555 | 2,747,485 | 2,545,569 | 2,236,983 |
| Other Borrowings | - | - | 5,606,147 | - | 4,989,687 | 4,536,570 | 4,149,127 | 3,607,061 | 3,354,289 | 3,091,258 |
| Other Liability Items | 778,612 | 730,119 | 681,351 | - | 565,551 | 474,026 | 393,571 | 304,531 | 269,725 | 263,577 |
| Reserves | 568,389 | 486,144 | 414,047 | - | 358,039 | 304,696 | 274,669 | 250,168 | 233,603 | 229,429 |
| Share Capital | 923.00 | 892.00 | 892.00 | 892.00 | 892.00 | 892.00 | 892.00 | 892.00 | 892.00 | 892.00 |
| Total Assets | 7,673,400 | 7,313,730 | 6,733,756 | - | 5,954,415 | 5,360,878 | 4,845,615 | 4,197,486 | 3,888,460 | 3,616,439 |
| Total Borrowings | - | - | 5,606,147 | - | 4,989,687 | 4,536,570 | 4,149,127 | 3,607,061 | 3,354,289 | 3,091,258 |
| Total Equity | 588,925 | 505,062 | 430,557 | 892.00 | 371,768 | 316,795 | 285,187 | 259,004 | 240,532 | 234,936 |
| Total Equity And Liabilities | 7,673,400 | 7,313,730 | 6,733,756 | - | 5,954,415 | 5,360,878 | 4,845,615 | 4,197,486 | 3,888,460 | 3,616,439 |
| Total Liabilities | 7,084,475 | 6,808,668 | 6,303,199 | -892.00 | 5,582,647 | 5,044,083 | 4,560,428 | 3,938,482 | 3,647,928 | 3,381,503 |
| Trade Payables | - | 27,793 | 15,700 | - | 27,408 | 33,486 | 17,729 | 26,890 | 23,914 | 26,667 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -13,739 | -9,896 | 6,386 | -3,845 | 7,143 | 5,430 | 448.00 | 5,547 |
| Cash From Investing Activity | -3,387 | -3,476 | -966.00 | -2,652 | -3,670 | -555.00 | 220.00 | 13,053 |
| Cash From Operating Activity | 48,486 | 21,632 | -86,014 | 57,695 | 89,919 | 23,929 | 29,556 | -96,508 |
| Cash Paid For Acquisition Of Companies | -8.00 | -82.00 | - | - | -254.00 | -6,031 | -64.00 | - |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | -583.00 | -3,177 | - | - | - |
| Cash Paid For Loan Advances | -485,064 | -528,612 | -484,653 | -309,323 | -156,020 | -191,306 | -321,989 | -134,190 |
| Cash Paid For Purchase Of Fixed Assets | -5,637 | -4,175 | - | -3,305 | -3,910 | -3,065 | -3,006 | - |
| Cash Paid For Redemption And Cancellation Of Shares | 1.00 | - | - | 12.00 | 3,520 | 5,574 | 466.00 | 5,239 |
| Cash Receipts From Deposits | 5,439,898 | 4,966,537 | 4,468,536 | 4,087,411 | 3,715,331 | 3,274,161 | 2,940,541 | 2,722,178 |
| Cash Received From Borrowings | - | - | - | - | - | 8,496 | 3,378 | - |
| Cash Received From Issue Of Shares | 21,500 | 20,165 | 19,533 | 14,074 | 27,431 | - | - | 23,782 |
| Cash Received From Sale Of Fixed Assets | - | - | - | 254.00 | 82.00 | - | - | 6,602 |
| Cash Received From Sale Of Investments | 10.00 | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | -39,664 | -21,613 | -71,831 | -80,372 | -277,145 | -180,268 | 72,992 | -142,323 |
| Change In Working Capital | -51,367 | -52,223 | -175,359 | -17,615 | 8,004 | -37,955 | -30,634 | -155,122 |
| Direct Taxes Paid | -33,761 | -31,268 | -17,324 | -9,024 | -3,819 | -14,859 | -8,175 | -8,010 |
| Dividends Paid | -12,227 | -10,085 | -6,337 | -3,570 | - | - | - | -2,416 |
| Dividends Received | - | - | 3.00 | 3.00 | 3.00 | 15.00 | 12.00 | 15.00 |
| Interest Paid | -10,271 | -8,589 | -6,325 | -5,411 | -5,069 | -4,908 | -4,222 | -4,554 |
| Interest Received | 9.00 | 6.00 | - | - | - | - | - | - |
| Investment Income | - | - | - | - | - | - | - | - |
| Net Cash Flow | 31,361 | 8,260 | -80,593 | 51,198 | 93,392 | 28,803 | 30,223 | -77,908 |
| Operating Deposits | 473,361 | 498,002 | 381,125 | 372,079 | 441,171 | 333,620 | 218,363 | 121,392 |
| Other Cash Financing Items Paid | -12,742 | -11,387 | -485.00 | -8,938 | -15,219 | 1,842 | 1,292 | -11,265 |
| Other Cash Investing Items Paid | 2,248 | 776.00 | -969.00 | 966.00 | 66.00 | 2,953 | 2,810 | 1,196 |
| Profit From Operations | 133,615 | 105,124 | 106,669 | 84,334 | 85,734 | 76,743 | 68,365 | 66,624 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Sbin | 2025-09-30 | - | 9.57 | 27.65 | 7.13 | 0.00 |
| Sbin | 2025-07-31 | - | 9.98 | 27.08 | 7.30 | 0.00 |
| Sbin | 2025-06-30 | - | 9.33 | 25.54 | 7.56 | 0.00 |
| Sbin | 2025-03-31 | - | 9.94 | 24.92 | 7.54 | 0.00 |
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