State Bank of India

NSE: SBIN · Financial Services

₹1,018.50+1.20%06 Nov 2026

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Instant answers about State Bank of India — computed from its filings, no language model

Market cap₹9,40,157 cr

Current price₹1,018.50

High / Low₹1,228 / ₹934

P/E10.4

P/B1.36

Book value₹750.5

ROE13.1%

ROCE—

Debt / equity—

Dividend yield1.51%

EPS (TTM)₹97.97

Face value₹1

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

showing latest 6 of 7 periods

	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Total income	3,62,229	3,83,971	4,06,973	4,73,378	5,94,575	6,63,343	7,09,617
Pre-provision op. profit	69,324	77,531	83,834	93,583	1,06,045	1,25,826	1,31,962
Operating margin	19.1%	20.2%	20.6%	19.8%	17.8%	19.0%	18.6%
Interest	1,61,124	1,56,010	1,56,194	1,89,981	2,59,736	3,00,943	3,15,005
Profit before tax	30,317	32,796	49,739	75,399	91,240	1,06,365	1,14,028
Tax	12,140	8,516	13,382	18,840	23,102	27,348	28,860
Net profit	19,768	22,405	35,374	55,648	67,085	77,561	83,299
EPS ₹	22.15	25.11	39.64	62.35	75.17	86.91	91.16
Operating cash flow	—	—	57,695	-86,014	21,632	48,486	38,097
Capex	—	—	3,051	4,671	4,175	5,637	8,363
Dividend paid	—	—	3,570	6,337	10,085	12,227	14,231
Total assets	41,97,492	48,45,619	53,60,884	—	67,33,779	73,14,185	83,21,569
Equity	2,51,060	2,75,562	3,05,588	—	4,30,557	5,05,063	6,14,899

Quarterly performance

last 30 quarters · ₹ crore

showing latest 8 of 30 periods

	JUN '18	DEC '18	JUN '19	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	74,993	84,350	83,486	95,384	94,219	87,984	95,374	97,182	1,03,431	93,267	1,01,143	1,04,528	1,08,035	1,14,782	1,27,219	1,36,852	1,32,333	1,44,256	1,53,072	1,64,914	1,52,125	1,63,802	1,67,854	1,79,562	1,66,992	1,75,898	1,85,648	1,81,079	1,80,062	1,87,756
Pre-provision op. profit	13,434	14,196	15,134	20,178	17,735	18,408	18,528	19,417	21,178	20,830	20,445	20,592	21,967	23,773	27,552	27,230	28,308	22,703	23,790	31,243	30,835	33,060	27,565	34,366	34,493	32,117	35,615	29,737	38,632	31,592
Operating margin	17.9%	16.8%	18.1%	21.2%	18.8%	20.9%	19.4%	20.0%	20.5%	22.3%	20.2%	19.7%	20.3%	20.7%	21.7%	19.9%	21.4%	15.7%	15.5%	18.9%	20.3%	20.2%	16.4%	19.1%	20.7%	18.3%	19.2%	16.4%	21.5%	16.8%
Other income	13,793	19,440	17,892	24,359	28,343	18,044	25,330	27,082	35,398	24,307	28,114	31,152	33,427	30,320	35,701	38,769	30,873	36,865	40,203	47,445	33,883	42,758	43,200	52,565	41,263	47,857	55,059	49,999	43,821	46,683
Interest	37,272	39,889	40,139	40,487	40,392	40,301	39,023	38,297	38,389	38,249	38,638	39,363	39,944	45,232	49,366	53,451	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	84,273
Profit before tax	-6,065	7,840	5,685	12,500	6,304	7,212	7,307	8,615	9,661	10,320	12,411	13,150	13,858	20,342	21,355	23,436	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	33,555
Tax	0	3,017	2,301	5,703	1,746	2,009	1,903	2,213	2,391	2,781	3,280	3,458	3,864	5,325	5,686	5,092	6,472	5,553	3,962	7,115	6,747	7,255	6,391	6,955	7,602	7,152	8,191	5,914	8,305	7,814
Net profit	-4,230	4,823	2,950	6,532	6,910	4,776	5,246	6,258	6,126	7,380	8,890	9,555	9,549	14,752	15,477	18,094	18,537	16,100	11,064	21,384	19,325	19,783	18,853	19,600	21,201	21,137	21,317	19,643	24,113	25,361
EPS ₹	-4.74	4.43	3.31	7.32	7.74	5.35	5.88	7.01	6.86	8.27	9.96	10.71	10.70	16.53	17.34	20.27	20.77	18.04	12.40	23.96	21.65	22.17	21.12	21.96	23.76	22.81	23.09	21.28	26.12	27.47
Revenue YoY	—	—	11.3%	13.1%	—	5.4%	—	1.9%	9.8%	6.0%	6.0%	7.6%	4.5%	13.5%	21.7%	26.7%	—	25.7%	20.3%	20.5%	15.0%	13.5%	9.7%	8.9%	9.8%	7.4%	10.6%	0.8%	7.8%	6.7%
Profit YoY	—	—	—	35.4%	—	61.9%	—	-4.2%	-11.4%	54.5%	69.5%	52.7%	55.9%	65.9%	62.0%	89.5%	—	9.1%	-28.5%	18.2%	4.3%	22.9%	70.4%	-8.3%	9.7%	6.8%	13.1%	0.2%	13.7%	20.0%

Earlier results (standalone, Sep '07 – Mar '18)

₹ crore · from BSE, before the NSE XBRL filings begin

State Bank of India reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 10 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†
Total income	77,429	85,962	97,219	1,20,873	1,35,692	1,54,897	1,74,973	1,91,844	2,10,979	2,59,664
Pre-provision op. profit	17,915	18,321	25,336	31,574	31,082	32,109	38,913	43,258	50,848	54,075
Operating margin	23.1%	21.3%	26.1%	26.1%	22.9%	20.7%	22.2%	22.5%	24.1%	20.8%
Other income	12,691	14,968	15,825	14,351	16,041	18,528	22,576	28,158	35,749	39,165
Interest	43,865	47,322	48,868	63,230	75,326	87,062	97,382	1,06,803	1,13,658	1,45,646
Profit before tax	14,181	13,926	14,954	18,483	19,951	16,174	19,314	13,774	14,855	-15,528
Tax	5,059	4,760	6,690	6,776	5,846	5,283	6,212	3,823	4,371	-8,981
Net profit	9,121	9,166	8,265	11,707	14,105	10,891	13,102	9,951	10,484	-6,547

Quarters

showing latest 8 of 43 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†
Total income	13,658	15,364	16,394	16,203	17,910	21,256	22,061	21,042	21,301	21,145	22,474	22,142	23,813	24,727	26,537	27,732	29,394	29,787	33,960	32,415	32,953	33,992	36,331	36,193	37,200	39,061	42,443	40,739	41,833	43,784	48,616	44,731	46,855	46,731	53,527	48,929	50,743	53,588	57,720	62,911	65,430	62,887	68,436
Pre-provision op. profit	2,713	3,660	4,373	3,962	4,193	4,483	5,277	3,674	4,835	4,618	5,194	6,134	6,357	6,764	6,080	7,242	7,474	7,260	9,597	8,177	7,354	7,791	7,761	7,551	6,312	7,618	10,628	8,788	8,422	9,294	12,409	9,202	10,266	9,598	14,192	11,054	11,224	12,543	16,026	11,874	14,563	11,755	15,883
Operating margin	19.9%	23.8%	26.7%	24.5%	23.4%	21.1%	23.9%	17.5%	22.7%	21.8%	23.1%	27.7%	26.7%	27.4%	22.9%	26.1%	25.4%	24.4%	28.3%	25.2%	22.3%	22.9%	21.4%	20.9%	17.0%	19.5%	25.0%	21.6%	20.1%	21.2%	25.5%	20.6%	21.9%	20.5%	26.5%	22.6%	22.1%	23.4%	27.8%	18.9%	22.3%	18.7%	23.2%
Other income	2,042	2,697	2,817	2,404	2,343	3,226	4,718	3,569	3,525	3,366	4,509	3,690	4,005	3,314	4,815	3,534	3,427	2,126	5,264	3,499	3,347	3,648	5,547	4,474	3,278	4,190	6,586	4,252	4,571	5,238	8,515	5,088	6,197	6,178	10,696	7,335	8,424	9,662	10,328	8,006	10,580	8,084	12,495
Interest	7,853	8,410	8,776	8,982	10,111	12,272	12,500	12,448	12,167	11,463	11,244	11,148	11,693	12,363	13,663	14,498	15,545	16,196	16,992	17,798	18,633	19,189	19,706	20,206	21,671	22,230	22,955	23,235	23,988	24,770	25,389	25,911	26,405	26,947	27,541	27,281	27,881	29,174	29,322	37,299	36,264	36,115	35,967
Profit before tax	2,628	2,855	2,754	2,413	3,583	4,286	3,899	3,501	3,819	3,762	2,844	4,583	3,736	4,713	1,923	3,086	4,089	4,853	6,456	5,720	5,528	5,123	3,580	4,685	3,283	3,469	4,737	5,291	4,147	4,060	5,816	5,202	5,905	1,649	1,018	3,641	3,328	3,600	4,286	2,945	862	-7,122	-12,213
Tax	1,016	1,047	871	772	1,323	1,807	1,157	1,171	1,329	1,282	978	1,669	1,234	1,885	1,902	1,502	1,278	1,590	2,406	1,969	1,870	1,727	280	1,444	908	1,235	1,696	1,942	1,047	1,150	2,074	1,510	2,026	533	-246	1,120	789	990	1,472	939	-720	-4,705	-4,495
Net profit	1,611	1,809	1,883	1,641	2,260	2,478	2,742	2,330	2,490	2,479	1,867	2,914	2,501	2,828	21	1,584	2,810	3,263	4,050	3,752	3,658	3,396	3,299	3,241	2,375	2,234	3,041	3,349	3,100	2,910	3,742	3,692	3,879	1,115	1,264	2,521	2,538	2,610	2,815	2,006	1,582	-2,416	-7,718
EPS ₹	30.62	34.37	34.65	25.92	35.61	39.04	43.23	36.71	39.22	39.05	29.40	45.90	39.39	44.54	0.33	24.94	44.26	51.39	63.76	55.91	54.51	50.61	49.13	47.38	34.72	32.66	41.79	44.86	41.53	3.90	5.01	4.88	5.08	1.43	1.64	3.25	3.27	3.36	3.55	2.44	1.83	-2.80	-8.92
Revenue YoY	—	—	—	—	31.1%	38.3%	34.6%	29.9%	18.9%	-0.5%	1.9%	5.2%	11.8%	16.9%	18.1%	25.2%	23.4%	20.5%	28.0%	16.9%	12.1%	14.1%	7.0%	11.7%	12.9%	14.9%	16.8%	12.6%	12.5%	12.1%	14.5%	9.8%	12.0%	6.7%	10.1%	9.4%	8.3%	14.7%	7.8%	28.6%	28.9%	17.4%	18.6%
Profit YoY	—	—	—	—	40.2%	37.0%	45.6%	42.0%	10.2%	0.0%	-31.9%	25.1%	0.5%	14.1%	-98.9%	-45.7%	12.4%	15.4%	19297.8%	136.9%	30.2%	4.1%	-18.5%	-13.6%	-35.1%	-34.2%	-7.8%	3.3%	30.5%	30.2%	23.1%	10.3%	25.1%	-61.7%	-66.2%	-31.7%	-34.6%	134.0%	122.7%	-20.4%	-37.7%	-192.6%	-374.2%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 21 periods

	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	9.3%	9.2%	8.1%	9.1%	10.4%	11.6%	11.6%	20.1%	16.7%	15.6%	15.6%	15.8%	14.9%	16.5%	15.4%	15.7%	13.7%	14.1%	13.5%	14.0%	13.1%
Net margin	6.3%	6.2%	5.8%	6.4%	7.3%	7.9%	8.7%	13.1%	12.6%	11.3%	11.3%	11.0%	11.3%	12.2%	11.7%	11.7%	11.7%	11.8%	11.7%	11.9%	12.3%
EBITDA margin	20.1%	19.8%	20.2%	20.5%	20.7%	20.6%	20.6%	20.9%	19.6%	18.0%	17.8%	17.7%	18.8%	18.9%	19.0%	19.1%	18.6%	19.3%	18.6%	18.8%	18.5%
Asset turnover	0.09	0.09	0.08	0.08	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.08

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 17 periods

	MAR '14‡	MAR '15‡	MAR '16‡	MAR '17‡	MAR '18‡	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22‡	SEP '22	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	747	747	776	797	892	892	892	892	892	892	892	892	892	892	923	923	923
Reserves	1,17,536	1,60,641	1,43,498	1,87,489	2,29,429	2,33,603	2,50,168	2,74,669	3,04,696	3,32,231	4,07,566	4,29,665	4,79,919	5,04,170	5,88,002	6,13,976	6,91,846
Total equity	1,18,282	1,61,388	1,44,274	1,88,286	2,30,322	2,34,496	2,51,060	2,75,562	3,05,588	3,33,123	4,08,458	4,30,557	4,80,812	5,05,063	5,88,925	6,14,899	6,92,769
Deposits	13,94,408	20,52,961	17,30,722	20,44,751	27,22,178	29,40,541	32,74,161	37,15,331	40,87,411	42,30,342	47,36,555	49,66,537	51,71,743	54,39,898	56,55,559	60,43,097	63,47,305
Borrowings	1,83,131	2,44,663	3,23,345	3,17,694	3,69,079	4,13,748	3,32,901	4,33,796	4,49,160	5,15,722	5,47,899	6,39,610	6,06,663	6,10,857	6,50,303	7,77,302	7,41,291
Total assets	17,92,748	27,00,110	23,57,618	27,05,966	36,16,445	38,88,464	41,97,492	48,45,619	53,60,884	56,01,691	63,17,053	67,33,779	69,63,335	73,14,185	76,73,400	83,21,569	86,58,539
Advances	12,09,829	16,92,211	14,63,700	15,71,078	19,60,119	22,26,854	23,74,311	25,00,599	27,94,076	30,15,270	34,18,175	37,84,273	39,43,994	42,50,831	44,57,752	49,78,013	52,60,609
Investments	3,98,800	6,73,507	5,75,652	7,65,990	11,83,794	11,19,270	12,28,284	15,95,100	17,76,490	18,68,681	20,79,532	21,10,548	21,62,001	22,05,601	22,76,621	23,59,502	24,86,334
Fixed assets	8,002	12,379	10,389	42,919	41,226	40,703	40,078	40,167	39,510	43,608	44,386	44,708	45,239	46,338	54,362	57,152	57,950
Cash & bank balances	1,32,550	1,88,481	1,67,468	1,71,972	1,95,289	2,25,512	2,54,315	3,47,707	3,98,905	3,03,180	3,62,255	3,26,572	3,54,972	3,57,933	4,13,643	4,01,843	3,54,146

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 6 periods

	FY18‡	FY22	FY23	FY24	FY25	FY26
Cash from operations	-96,508	57,695	-86,014	21,632	48,486	38,097
Cash from investing	11,066	-3,619	-4,041	-4,252	-5,635	-691
Cash from financing	5,547	-3,845	6,386	-9,896	-13,739	-3,427
Capex	—	3,051	4,671	4,175	5,637	8,363
Free cash flow	—	54,644	-90,685	17,457	42,849	29,734
Dividends paid	2,416	3,570	6,337	10,085	12,227	14,231

Where the assets sit

Sep '26 · ₹ crore

Advances

₹52,60,609 cr61%

Investments

₹24,86,334 cr29%

Fixed assets

₹57,950 cr1%

Cash & bank

₹3,54,146 cr4%

Other assets

₹4,99,501 cr6%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—

StoxGud checklist: Neutral setup · 6/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+6.8%

6 months-6.7%

1 year+8.4%

3Y CAGR+21.0%

5Y CAGR+14.3%

10Y CAGR+15.0%

50-day avg₹984.17

200-day avg₹1,038.62

RSI (14)65

Long-term financials (FY10–FY16)

from published annual reports

Year	Revenue	Profit before tax	Net profit
FY16	₹1,63,685 Cr	—	₹9,951 Cr
FY15	₹1,52,397 Cr	—	₹13,102 Cr
FY11	₹1,13,636 Cr	—	₹11,180 Cr
FY10	₹1,00,081 Cr	—	₹12,014 Cr

Years before FY17 follow the older Indian GAAP standard, so they are not exactly comparable with recent years.

Compare State Bank of India with

HDFC Bank vs State Bank of India ICICI Bank vs State Bank of India State Bank of India vs Bajaj Finance State Bank of India vs Kotak Mahindra Bank State Bank of India vs Axis Bank

FAQs

What is the share price of State Bank of India?

State Bank of India (SBIN) closed at ₹1,018.50 on NSE on 06 Nov 2026.

What is the market cap of State Bank of India?

₹9,40,157 crore at the latest close.

What is the P/E ratio of State Bank of India?

10.4, on trailing-twelve-month earnings from its filings.

How fast is State Bank of India growing?

State Bank of India: revenue has compounded at 14.4% a year over three years; net profit at 14.4% a year. Latest-quarter revenue is up 6.7% year on year, profit up 20.0%.

How profitable is State Bank of India?

On a trailing-twelve-month basis return on equity is 13.1%, operating margin 18.5%, net margin 12.3%.

How much debt does State Bank of India have?

Debt to equity isn't meaningful for State Bank of India (banks borrow as part of their business) or isn't filed yet.

Financials parsed from State Bank of India's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from JUN '18, annual from FY20, balance sheet from Mar '14. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.