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SBIN

SBIN.BO

State Bank of India

$1044.15
9.5
 (0.92%)
Exchange:  BSE
Market Cap:  9.624T
Shares Outstanding:  8.925B
Delayed data
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Overview
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About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Rana Ashutosh Kumar Singh
Full Time Employees:  232296
Address: 
State Bank Bhavan
Mumbai
400021
IN
Website:  https://www.sbi.co.in
State Bank of India (SBIN.BO) is a prominent financial institution that delivers a broad spectrum of banking and financial solutions to a diverse clientele, encompassing individuals, businesses, corporations, public sector entities, and institutional customers, both within India and on the global stage. The bank’s operations are strategically divided into several key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, its Insurance Business, and various Other Banking Business activities. For its individual customers, SBI provides a comprehensive suite of personal banking offerings. These include a variety of transactional and savings accounts (current, savings, salary), alongside a range of term deposit products (fixed, recurring, flexi, and annual deposits). The bank also extends various credit facilities such as home, personal, auto, education, and gold loans, as well as loans against property and securities, and overdraft services. Additionally, it facilitates investment and wealth management through mutual funds, insurance products, equity trading, portfolio investment schemes, and efficient remittance services, all accessible via its advanced mobile, internet, and digital banking platforms. Businesses and corporations benefit from an extensive array of corporate banking services. These span corporate accounts, diverse financing options including working capital and project finance, deferred payment guarantees, corporate term loans, structured finance, and specialized dealer and channel financing. Other provisions include equipment leasing, loan syndication, construction equipment loans, and financial support for Indian firms’ overseas subsidiaries or joint ventures. Cash management solutions, asset-backed loans, and various trade and service products further enhance their corporate offerings. Moreover, SBI caters to specialized client groups and needs. It provides tailored services for Non-Resident Indians (NRIs), covering accounts, deposits, remittances, investments, and loans. The bank is also a significant provider of agricultural banking and micro-credit to farmers and the agricultural sector. Small and Medium-sized Enterprises (SMEs) are supported with supply chain finance, deposits, and transaction banking services. International banking services are also a core part of its global outreach. Beyond its core banking functions, the company’s broad portfolio extends to treasury management, broking, bill payment, and MICR services. It also offers a wide array of financial and advisory services, including merchant banking, securities broking, business and management consultancy, trustee services, factoring, payment processing, asset management, investment management, and credit card issuance, alongside custody and fund accounting. Essential support and business correspondent services further strengthen its reach and customer assistance. Established in 1806, the State Bank of India maintains its corporate headquarters in Mumbai, India.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue5,833,495,5186,504,667,5096,967,139,854
Gross Profit3,236,135,0373,495,234,1563,817,091,770
EBITDA950,891,7211,103,567,7021,188,577,002
Operating Income912,652,4631,063,533,8371,140,279,817
Net Income670,846,700775,613,400832,987,800

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets67,337,787,99773,141,853,40083,215,685,700
Total Liabilities63,032,216,65868,091,227,40077,066,694,200
Total Stockholders Equity4,149,391,7154,870,367,6005,961,308,700
Total Debt5,565,032,3516,108,572,4007,773,021,500
Cash and Cash Equivalents5,975,677,7703,579,329,4004,018,432,100

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(* All numbers are in thousands)

Cash Flow Statement

Year202420252026
Operating Cash Flow216,324,310484,862,9461,633,922,700
Capital Expenditure-41,751,262-56,372,241-83,629,600
Free Cash Flow174,573,048428,490,7051,550,293,100
Net Income901,864,5001,049,094,768832,987,800
Net Change in Cash82,603,938313,606,3930

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)3,798,319,403.465Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)4,631,779,469.573Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)3,962,072,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)769,473,077.249Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)938,317,509.144Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)802,646,489.219Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,004,745,217.285Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,295,111,554.623Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,061,794,465.316Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)30,897,033.630Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)37,676,727.741Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)32,229,062.073Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)116.200Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)141.730Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)109.960Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)9Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)8Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
1.37
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
11.37
?Enterprise Value
 (TTM)
: 
13.309T  ?EV/FCF
 (TTM)
: 
-8.07
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.17
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
1.3
?P/B
 (TTM)
: 
1.6  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
1,143.75Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about SBIN.BO valuation

Is State Bank of India (SBIN.BO) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for State Bank of India (SBIN.BO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SBIN.BO a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SBIN.BO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SBIN.BO’s P/E ratio?

You can see SBIN.BO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SBIN.BO?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SBIN.BO a good long-term investment?

Whether SBIN.BO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

SBIN.BO

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.92
MARKETSnap

Trading Metrics:

Open: 1041   Previous Close: 1034.65
Day Low: 1038.75   Day High: 1055.45
Year Low: 679.65   Year High: 1090
Price Avg 50: 998.82   Price Avg 200: 878.55
Volume: 1.664M   Average Volume: 651407

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