State Bank of India Logo

State Bank of India

SBIN.NS

(2.5)
Stock Price

811,75 INR

1% ROA

16.41% ROE

10.28x PER

Market Cap.

6.974.136.484.500,00 INR

142.89% DER

1.75% Yield

14.04% NPM

State Bank of India Stock Analysis

State Bank of India Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

State Bank of India Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.35%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 ROA

The stock's ROA (1.03%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.58x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

6 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

7 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (3.449), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (159%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

State Bank of India Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

State Bank of India Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

State Bank of India Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

State Bank of India Revenue
Year Revenue Growth
2004 296.438.626.000
2005 329.631.757.000 10.07%
2006 343.940.791.000 4.16%
2007 422.747.690.000 18.64%
2008 504.666.342.000 16.23%
2009 672.143.182.000 24.92%
2010 797.575.200.000 15.73%
2011 876.164.314.000 8.97%
2012 944.135.007.000 7.2%
2013 1.042.536.938.000 9.44%
2014 1.242.740.073.000 16.11%
2015 1.283.605.162.000 3.18%
2016 1.421.010.959.000 9.67%
2017 1.451.004.740.000 2.07%
2018 1.651.392.235.000 12.13%
2019 1.951.759.840.000 15.39%
2020 2.171.526.671.000 10.12%
2021 2.236.608.438.000 2.91%
2022 2.833.973.200.000 21.08%
2023 3.252.038.800.000 12.86%
2023 5.945.749.000.000 45.3%
2024 6.085.002.000.000 2.29%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

State Bank of India Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

State Bank of India General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 5.512.490.000
2005 5.805.909.000 5.05%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 13.347.276.000 100%
2012 20.676.996.000 35.45%
2013 25.016.747.000 17.35%
2014 26.807.434.000 6.68%
2015 27.691.471.000 3.19%
2016 31.173.931.000 11.17%
2017 34.051.228.000 8.45%
2018 31.068.722.000 -9.6%
2019 30.893.949.000 -0.57%
2020 28.780.880.000 -7.34%
2021 33.715.359.000 14.64%
2022 8.012.637.000 -320.78%
2023 0 0%
2023 9.735.869.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

State Bank of India EBITDA
Year EBITDA Growth
2004 360.535.122.000
2005 402.061.726.000 10.33%
2006 457.449.684.000 12.11%
2007 629.729.377.000 27.36%
2008 814.457.634.000 22.68%
2009 786.176.087.000 -3.6%
2010 888.917.116.000 11.56%
2011 1.060.342.598.000 16.17%
2012 1.338.704.663.000 20.79%
2013 1.444.313.137.000 7.31%
2014 1.600.916.375.000 9.78%
2015 1.629.576.568.000 1.76%
2016 1.536.060.908.000 -6.09%
2017 1.370.942.630.000 -12.04%
2018 22.996.391.000 -5861.56%
2019 197.678.022.000 88.37%
2020 224.054.576.000 11.77%
2021 353.738.798.000 36.66%
2022 556.481.728.000 36.43%
2023 866.084.400.000 35.75%
2023 27.955.300.000 -2998.1%
2024 -14.233.600.000 296.4%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

State Bank of India Gross Profit
Year Gross Profit Growth
2004 296.438.626.000
2005 329.631.757.000 10.07%
2006 343.940.791.000 4.16%
2007 422.747.690.000 18.64%
2008 504.666.342.000 16.23%
2009 672.143.182.000 24.92%
2010 797.575.200.000 15.73%
2011 876.164.314.000 8.97%
2012 944.135.007.000 7.2%
2013 1.042.536.938.000 9.44%
2014 1.242.740.073.000 16.11%
2015 1.283.605.162.000 3.18%
2016 1.421.010.959.000 9.67%
2017 1.451.004.740.000 2.07%
2018 1.651.392.235.000 12.13%
2019 1.951.759.840.000 15.39%
2020 2.171.526.671.000 10.12%
2021 2.236.608.438.000 2.91%
2022 2.833.973.200.000 21.08%
2023 3.252.038.800.000 12.86%
2023 5.945.749.000.000 45.3%
2024 6.085.002.000.000 2.29%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

State Bank of India Net Profit
Year Net Profit Growth
2004 55.979.685.000
2005 56.614.801.000 1.12%
2006 66.197.995.000 14.48%
2007 92.128.339.000 28.15%
2008 111.730.661.000 17.54%
2009 120.136.384.000 7%
2010 106.849.500.000 -12.44%
2011 153.430.996.000 30.36%
2012 179.162.311.000 14.36%
2013 141.737.750.000 -26.4%
2014 169.942.992.000 16.6%
2015 122.245.950.000 -39.02%
2016 2.412.325.000 -4967.56%
2017 -45.562.900.000 105.29%
2018 22.996.391.000 298.13%
2019 197.678.022.000 88.37%
2020 224.054.576.000 11.77%
2021 353.738.798.000 36.66%
2022 556.481.728.000 36.43%
2023 643.983.200.000 13.59%
2023 670.846.661.000 4%
2024 772.998.400.000 13.22%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

State Bank of India Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 10
2005 10 0%
2006 12 25%
2007 17 25%
2008 17 5.88%
2009 18 5.56%
2010 17 -12.5%
2011 24 33.33%
2012 27 7.69%
2013 20 -30%
2014 23 9.09%
2015 16 -46.67%
2016 0 0%
2017 -5 100%
2018 3 350%
2019 22 90.91%
2020 25 12%
2021 40 35.9%
2022 62 37.1%
2023 72 13.89%
2023 75 4%
2024 87 12.79%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

State Bank of India Free Cashflow
Year Free Cashflow Growth
2004 -9.788.729.000
2005 40.265.959.000 124.31%
2006 41.009.639.000 1.81%
2007 -59.004.524.000 169.5%
2008 296.806.053.000 119.88%
2009 -4.991.848.000 6045.82%
2010 420.258.922.000 101.19%
2011 -324.538.929.000 229.49%
2012 205.178.079.000 258.17%
2013 163.983.114.000 -25.12%
2014 429.506.007.000 61.82%
2015 103.010.667.000 -316.95%
2016 729.822.909.000 85.89%
2017 -972.985.615.000 175.01%
2018 265.504.948.000 466.47%
2019 208.635.204.000 -27.26%
2020 860.909.039.000 75.77%
2021 543.895.863.000 -58.29%
2022 -906.847.000.000 159.98%
2023 0 0%
2023 1.173.600.500.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

State Bank of India Operating Cashflow
Year Operating Cashflow Growth
2004 1.839.822.000
2005 55.432.137.000 96.68%
2006 50.815.630.000 -9.08%
2007 -42.094.126.000 220.72%
2008 311.699.616.000 113.5%
2009 16.227.428.000 -1820.82%
2010 439.001.317.000 96.3%
2011 -301.141.388.000 245.78%
2012 240.977.990.000 224.97%
2013 195.768.293.000 -23.09%
2014 464.028.947.000 57.81%
2015 140.766.783.000 -229.64%
2016 774.059.970.000 81.81%
2017 -965.079.064.000 180.21%
2018 295.560.050.000 426.53%
2019 239.285.317.000 -23.52%
2020 899.189.301.000 73.39%
2021 576.948.464.000 -55.85%
2022 -860.136.800.000 167.08%
2023 0 0%
2023 1.215.351.800.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

State Bank of India Capital Expenditure
Year Capital Expenditure Growth
2004 11.628.551.000
2005 15.166.178.000 23.33%
2006 9.805.991.000 -54.66%
2007 16.910.398.000 42.01%
2008 14.893.563.000 -13.54%
2009 21.219.276.000 29.81%
2010 18.742.395.000 -13.22%
2011 23.397.541.000 19.9%
2012 35.799.911.000 34.64%
2013 31.785.179.000 -12.63%
2014 34.522.940.000 7.93%
2015 37.756.116.000 8.56%
2016 44.237.061.000 14.65%
2017 7.906.551.000 -459.5%
2018 30.055.102.000 73.69%
2019 30.650.113.000 1.94%
2020 38.280.262.000 19.93%
2021 33.052.601.000 -15.82%
2022 46.710.200.000 29.24%
2023 0 0%
2023 41.751.300.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

State Bank of India Equity
Year Equity Growth
2004 338.558.639.000
2005 386.370.387.000 12.37%
2006 442.255.847.000 12.64%
2007 632.645.036.000 30.09%
2008 746.186.664.000 15.22%
2009 857.668.544.000 13%
2010 864.484.200.000 0.79%
2011 1.099.556.820.000 21.38%
2012 1.292.868.827.000 14.95%
2013 1.522.796.868.000 15.1%
2014 1.668.846.603.000 8.75%
2015 1.868.597.706.000 10.69%
2016 2.236.727.948.000 16.46%
2017 2.349.371.907.000 4.79%
2018 2.405.326.518.000 2.33%
2019 2.590.039.462.000 7.13%
2020 2.851.874.766.000 9.18%
2021 3.167.954.679.000 9.98%
2022 3.717.679.400.000 14.79%
2023 4.305.571.300.000 13.65%
2023 4.084.585.000.000 -5.41%
2024 4.558.999.000.000 10.41%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

State Bank of India Assets
Year Assets Growth
2004 6.285.775.708.000
2005 6.968.324.186.000 9.8%
2006 8.151.744.108.000 14.52%
2007 10.272.695.183.000 20.65%
2008 13.048.257.407.000 21.27%
2009 14.501.439.655.000 10.02%
2010 16.478.982.500.000 12%
2011 18.299.561.691.000 9.95%
2012 21.331.583.368.000 14.21%
2013 23.959.816.098.000 10.97%
2014 27.001.100.246.000 11.26%
2015 29.708.976.419.000 9.11%
2016 34.451.215.602.000 13.77%
2017 36.164.330.029.000 4.74%
2018 38.884.670.631.000 7%
2019 41.974.923.443.000 7.36%
2020 48.456.185.465.000 13.38%
2021 53.608.835.294.000 9.61%
2022 59.544.183.200.000 9.97%
2023 67.337.788.000.000 11.57%
2023 63.170.525.400.000 -6.6%
2024 67.747.198.000.000 6.76%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

State Bank of India Liabilities
Year Liabilities Growth
2004 5.947.217.069.000
2005 6.581.953.799.000 9.64%
2006 7.709.488.261.000 14.63%
2007 9.640.050.147.000 20.03%
2008 12.302.070.743.000 21.64%
2009 13.643.771.111.000 9.83%
2010 15.614.498.300.000 12.62%
2011 17.200.004.871.000 9.22%
2012 20.038.714.541.000 14.17%
2013 22.437.019.230.000 10.69%
2014 25.332.253.643.000 11.43%
2015 27.840.378.713.000 9.01%
2016 32.214.487.654.000 13.58%
2017 33.814.958.122.000 4.73%
2018 36.479.344.113.000 7.3%
2019 39.384.883.981.000 7.38%
2020 45.604.310.699.000 13.64%
2021 50.440.880.615.000 9.59%
2022 55.826.503.800.000 9.65%
2023 63.032.216.700.000 11.43%
2023 5.478.991.300.000 -1050.43%
2024 63.188.199.000.000 91.33%

State Bank of India Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
541.56
Net Income per Share
76.05
Price to Earning Ratio
10.28x
Price To Sales Ratio
1.44x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.59
EV to Sales
2.11
EV Over EBITDA
28.4
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.1
FreeCashFlow Yield
0
Market Cap
6.974,14 Bil.
Enterprise Value
10.214,41 Bil.
Graham Number
917.51
Graham NetNet
-6740.33

Income Statement Metrics

Net Income per Share
76.05
Income Quality
0
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
1.47
Ebit per Revenue
0.13
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.13
Pretax Profit Margin
0.19
Net Profit Margin
0.14

Dividends

Dividend Yield
0.02
Dividend Yield %
1.75
Payout Ratio
0
Dividend Per Share
13.7

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
339,89
Book Value per Share
510,83
Tangible Book Value per Share
510.83
Shareholders Equity per Share
491.96
Interest Debt per Share
1009.3
Debt to Equity
1.43
Debt to Assets
0.09
Net Debt to EBITDA
9.01
Current Ratio
0
Tangible Asset Value
4.559,00 Bil.
Net Current Asset Value
-60.154,81 Bil.
Invested Capital
3479630300000
Working Capital
3.033,39 Bil.
Intangibles to Total Assets
0
Average Receivables
1.355,17 Bil.
Average Payables
164,31 Bil.
Average Inventory
277693456500
Debt to Market Cap
0.9

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

State Bank of India Dividends
Year Dividends Growth
1996 4
1997 4 25%
1998 4 0%
1999 4 0%
2000 5 20%
2001 5 0%
2002 6 16.67%
2003 9 25%
2004 11 27.27%
2005 13 8.33%
2006 14 14.29%
2007 14 0%
2008 22 33.33%
2009 29 27.59%
2010 30 3.33%
2011 30 0%
2012 35 14.29%
2013 42 14.63%
2014 30 -36.67%
2015 4 -900%
2016 3 -50%
2017 3 0%
2021 4 50%
2022 7 42.86%
2023 11 36.36%
2024 14 15.38%

State Bank of India Profile

About State Bank of India

State Bank of India provides banking products and services to individuals, commercial enterprises, corporates, public bodies, and institutional customers in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, Insurance Business, and Other Banking Business segments. It offers personal banking products and services, including current accounts, savings accounts, salary accounts, fixed and recurring deposits, and flexi and annual deposits; home, personal, auto, education, and gold loans, as well as loans against property and securities; overdrafts; mutual funds, insurance, equity trading, portfolio investment schemes, remittance services; and mobile and digital banking services. The company also provides corporate banking products and services comprising corporate accounts, working capital and project finance, deferred payment guarantees, corporate term loans, structured finance, dealer and channel financing, equipment leasing, loan syndication, construction equipment loans, financing Indian firms' overseas subsidiaries or JVs, cash management, and asset-backed loans, as well as trade and service products. In addition, it offers NRI services, including accounts and deposits, remittances, investments, and loans; agricultural banking and micro-credit to agriculturists and farmers; supply chain finance, and deposits and transaction banking services for SME customers; and international banking services. Further, the company provides treasury, broking, bill payment, and MICR services; and merchant banking, advisory, securities broking, business & management consultancy, trustee business, factoring, payment, asset management, investment management, credit cards, and custody and fund accounting services. It also offers support and business correspondent services. As of March 31, 2022, the company operated 22,266 branches and 65,030 ATMs. State Bank of India was founded in 1806 and is headquartered in Mumbai, India.

CEO
Mr. Ashwini Kumar Tewari
Employee
233.182
Address
State Bank Bhavan
Mumbai, 400021

State Bank of India Executives & BODs

State Bank of India Executives & BODs
# Name Age
1 Mr. Nitin Chugh
Deputy MD and Head of Digital Banking & Transformation
70
2 Mr. Ashwini Kumar Tewari
MD of Corporate Banking(CAG & CCG) & Subsidiaries and Director
70
3 Ms. Vidya Krishnan
Deputy Managing Director of Information Technology
70
4 Mr. Pravin Raghavendra
Deputy MD & Chief Operating Officer
70
5 Mr. Vinay M. Tonse
Managing Director of Retail Business & Operations and Director
70
6 Mr. Binod Kumar Mishra
Deputy MD of HR & Corporate Development Officer
70
7 Mr. Rana Ashutosh Kumar Singh
Deputy Managing Director of Retail-Personal Banking & Real Estate
70
8 Ms. Ruma Dey
Deputy MD & Group Compliance Officer
70
9 Mr. Kameshwar Rao Kodavanti
Chief Financial Officer
70
10 Ms. Saloni Narayan
Deputy Managing Director of Finance
70

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