SBIN
State Bank of India (SBIN) Stock Analysis
State Bank of India is the country's largest public sector bank with a nationwide branch and digital network. It provides retail and corporate banking, deposits, loans, treasury, and international banking services. SBI plays a systemic role in payments, government banking, and financial inclusion. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹962.60
+0.36% 1W | +8.00% 52W
Market Cap
888.5k CR
P/E Ratio
10.3
52W High
₹1234.7
52W Low
₹883
Div. Yield
1.81%
Beta
0.4
50 DMA
₹1007.7
200 DMA
₹1043
Profit Margin
22.4%
Inst. Own.
29%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 101,460 | 107,391 | 112,868 | 117,469 | 118,242 | 121,045 | 124,654 | 126,840 | 125,729 | 128,040 | 130,386 | 131,080 | 136,240 |
| Interest | 58,045 | 62,955 | 68,092 | 70,644 | 71,701 | 73,619 | 77,397 | 78,227 | 78,266 | 78,002 | 78,783 | 79,953 | 82,248 |
| Expenses | 49,080 | 59,365 | 62,635 | 65,418 | 53,996 | 62,709 | 64,890 | 74,438 | 59,496 | 72,265 | 76,799 | 75,050 | 64,930 |
| Financing Profit | -5,665 | -14,930 | -17,858 | -18,593 | -7,455 | -15,283 | -17,634 | -25,825 | -12,034 | -22,227 | -25,196 | -23,923 | -10,938 |
| Financing Margin % | -6% | -14% | -16% | -16% | -6% | -13% | -14% | -20% | -10% | -17% | -19% | -18% | -8% |
| Other Income | 30,873 | 36,865 | 33,103 | 47,445 | 33,883 | 42,758 | 43,200 | 52,722 | 41,263 | 50,884 | 55,262 | 49,999 | 43,821 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 25,208 | 21,936 | 15,245 | 28,852 | 26,428 | 27,474 | 25,566 | 26,897 | 29,229 | 28,657 | 30,067 | 26,076 | 32,884 |
| Tax % | 26% | 25% | 26% | 25% | 26% | 26% | 25% | 26% | 26% | 25% | 27% | 23% | 25% |
| Net Profit | 19,094 | 16,648 | 11,598 | 22,203 | 20,094 | 20,565 | 19,484 | 20,379 | 22,121 | 21,861 | 22,176 | 20,508 | 25,121 |
| EPS in Rs | 20.77 | 18.04 | 12.40 | 23.96 | 21.65 | 22.17 | 21.12 | 21.96 | 23.76 | 22.90 | 23.09 | 21.28 | 26.12 |
| Gross NPA % | 2.53% | 2.13% | |||||||||||
| Net NPA % | 0.63% | 0.52% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 207,974 | 220,633 | 230,447 | 228,970 | 253,322 | 269,852 | 278,115 | 289,973 | 350,845 | 439,189 | 490,313 | 514,933 | 525,747 |
| Interest | 133,179 | 143,047 | 149,115 | 146,603 | 155,867 | 161,124 | 156,010 | 156,194 | 189,981 | 259,736 | 300,943 | 315,005 | 318,986 |
| Expenses | 96,675 | 109,985 | 145,666 | 169,065 | 166,104 | 172,909 | 192,821 | 197,349 | 204,303 | 239,750 | 252,043 | 278,781 | 289,045 |
| Financing Profit | -21,879 | -32,399 | -64,334 | -86,697 | -68,649 | -64,181 | -70,715 | -63,570 | -43,439 | -60,297 | -62,674 | -78,853 | -82,284 |
| Financing Margin % | -11% | -15% | -28% | -38% | -27% | -24% | -25% | -22% | -12% | -14% | -13% | -15% | -16% |
| Other Income | 49,315 | 52,828 | 68,193 | 77,557 | 77,365 | 98,159 | 107,222 | 117,000 | 122,534 | 155,386 | 173,031 | 197,711 | 199,967 |
| Depreciation | 1,581 | 2,252 | 2,915 | 3,105 | 3,496 | 3,662 | 3,711 | 3,691 | 3,696 | 3,849 | 3,991 | 4,830 | 0 |
| Profit before tax | 25,855 | 18,177 | 945 | -12,245 | 5,220 | 30,317 | 32,796 | 49,739 | 75,399 | 91,240 | 106,365 | 114,028 | 117,683 |
| Tax % | 32% | 30% | 141% | -66% | 41% | 40% | 26% | 27% | 25% | 25% | 26% | 25% | |
| Net Profit | 17,832 | 13,019 | -97 | -3,749 | 3,351 | 21,140 | 23,888 | 37,183 | 57,750 | 69,543 | 80,523 | 86,666 | 89,665 |
| EPS in Rs | 22.76 | 15.75 | 0.30 | -5.11 | 2.58 | 22.15 | 25.11 | 39.64 | 62.35 | 75.17 | 86.91 | 90.24 | 93.39 |
| Dividend Payout % | 15% | 17% | 859% | 0% | 0% | 0% | 16% | 18% | 18% | 18% | 18% | 19% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 14.0% | 13.0% | 9.0% |
| Profit CAGR | 14.0% | 30.0% | 21.0% |
Shareholding Pattern
Promoters55.50%
FIIs9.57%
DIIs27.65%
Public7.13%
Promoters55.50%
FIIs10.34%
DIIs27.04%
Public6.97%
Promoters55.52%
FIIs11.41%
DIIs26.11%
Public6.81%
Promoters55.47%
FIIs10.81%
DIIs26.52%
Public7.06%
Promoters55.45%
FIIs11.07%
DIIs26.21%
Public7.12%
Promoters57.49%
FIIs9.89%
DIIs25.20%
Public7.40%
Promoters57.54%
FIIs11.09%
DIIs23.96%
Public7.37%
Promoters57.43%
FIIs9.94%
DIIs24.92%
Public7.54%
Promoters55.52%
FIIs11.41%
DIIs26.11%
Public6.81%
Promoters55.45%
FIIs11.07%
DIIs26.21%
Public7.12%
SBIN
Holdings Analysis
Key strengths & risk signals
73
Overall
83
Fundamental
63
Technical
Risks (2)
HIGH DEBT! D/E of 1.22 - caution advised.
BEARISH TREND! 50-day average (1025.4) is below 200-day average (1034.8) - negative signal.
Strengths (4)
UNDERVALUED! PEG of 0.39 indicates stock is cheap relative to growth.
GOOD YEAR! Stock gained 33.2% in the last year.
STRONG MOMENTUM! Price has grown across all timeframes - up 2.5% (1 week), 3.4% (1 month), 9.9% (3 months). Momentum is accelerating.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
Fundamental & Technical Analysis
73Overall
83Fundamental
63Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 13.0% (GOOD, 11/15). Profit CAGR: 30.0% (EXCELLENT, 15/15).
Profit Margin
8/10
EXCELLENT EFFICIENCY! 22.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.39 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.58% yield - minimal income contribution.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.22 - caution advised.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 7.3% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (1025.4) is below 200-day average (1034.8) - negative signal.
Price Position
8/10
STRONG POSITION! Current price (1071.0) is above both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
10/10
GOOD YEAR! Stock gained 33.2% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 19 up days, 11 down days. Avg volume on up days: 10,986,488 vs down days: 11,068,656. Ratio: 0.99x
RSI
3/5
NEUTRAL! RSI at 59.7 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 62.5% of 52W range - positive territory.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 2.5% (1 week), 3.4% (1 month), 9.9% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
SBIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-13 | Concall PDF | |
| Q4FY262026-05-15 | Concall PDF | |
| Q3FY262026-02-13 | Concall PDF | |
| Q2FY262025-11-12 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBIN | ₹962.60 | 10.3 | 22.4% | 12.2% | 14.4% | +8.0% | 73 | APPROACHING SUPPORT | +13.7% | +22.8% | +10.2% | -3.3% |
| ICICIBANK | ₹1,397.00 | 18.1 | 27.5% | 18.1% | 16.8% | -3.3% | 74 | APPROACHING SUPPORT | +13.9% | +4.6% | +7.7% | +7.3% |
| HDFCBANK | ₹728.90 | 15.9 | 26.8% | 22.0% | 19.0% | -26.9% | 76 | BREAKOUT | +25.4% | -3.3% | – | -10.4% |
| KOTAKBANK | ₹447.40 | 21.9 | 28.5% | 13.5% | 8.9% | +1.5% | 57 | CONSOLIDATING UP | +22.5% | +1.1% | +16.6% | +7.8% |
| AXISBANK | ₹1,290.00 | 14.5 | 36.0% | 12.2% | 34.6% | +7.7% | 76 | BREAKOUT | +22.2% | +0.4% | +3.8% | +4.2% |
| PNB | ₹116.30 | 6.1 | 38.1% | 10.0% | 76.4% | -0.9% | 74 | APPROACHING RESISTANCE | +174.3% | +4.0% | -4.9% | +4.9% |
| UNIONBANK | ₹168.00 | 6.2 | 40.5% | 7.6% | 31.7% | +22.6% | 75 | BREAKDOWN | +27.4% | +2.5% | +9.5% | -1.4% |
| BANKBARODA | ₹230.40 | 6.6 | 27.4% | 10.3% | 10.0% | -13.8% | 62 | APPROACHING SUPPORT | -48.6% | -69.3% | +10.6% | +4.2% |
Data from TradeAlone · Updated daily
SBIN News
State Bank of India (sbin) Q1fy27 Results: Net Profit Up 10.23%, Revenue Hits ₹50 Trillion2026-08-07State Bank of India (sbin) Raises ₹4,691 Crore Through Basel III Compliant Additional Tier 1 Bond Issuance2026-07-29State Bank of India (sbin) and Amundi Announce Successful Listing of SBI Funds Management Ltd2026-07-21State Bank of India Reports 12.88% Yoy Profit Growth in Q4fy262026-05-08State Bank of India FY26 Annual Results: Record Profit Growth2026-05-08
