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SBIN

SBIN.NS

State Bank of India

$1042.9
18.7
 (1.83%)
Exchange:  NSE
Market Cap:  9.627T
Shares Outstanding:  8.925B
Delayed data
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Overview
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Valuation
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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 (SBI) delivers a comprehensive range of banking and financial solutions to a diverse clientele, including individuals, commercial entities, large corporations, governmental bodies, and institutional clients, both domestically in India and internationally. The bank’s operations are divided into several key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, its Insurance Business division, and other related banking activities. For individual customers, SBI provides a comprehensive suite of personal banking offerings. These encompass various deposit accounts like current, savings, salary, fixed, recurring, flexi, and annual deposits. Lending solutions cover home, personal, auto, education, and gold loans, alongside financing secured by property or securities, and overdraft facilities. Additionally, the bank facilitates investments through mutual funds, insurance products, equity trading, and portfolio investment schemes, offers remittance services, and supports extensive mobile and digital banking platforms. Its corporate banking division caters to businesses with services such as specialized corporate accounts, working capital and project financing, deferred payment guarantees, and various corporate term loans. Structured finance solutions, dealer and channel financing, equipment leasing, loan syndication, and construction equipment loans are also available. The bank extends credit to Indian companies’ international subsidiaries or joint ventures, provides cash management solutions, asset-backed loans, and a variety of trade and service-related products. Furthermore, SBI supports Non-Resident Indians (NRIs) with tailored accounts, deposits, remittance options, investment vehicles, and loan products. It provides agricultural banking and micro-credit specifically for agriculturists and farmers. Small and Medium Enterprises (SMEs) benefit from supply chain finance, deposit services, and transaction banking. The bank also engages in a broad range of international banking activities. Auxiliary services encompass treasury operations, broking, bill payment, and MICR services. The institution additionally offers merchant banking, advisory functions, securities brokerage, business and management consulting, trustee services, factoring, payment solutions, asset and investment management, credit card issuance, and custody and fund accounting. Moreover, it provides crucial support services and leverages a network of business correspondents. With a significant operational footprint as of March 31, 2022, the bank maintained 22,266 branches and 65,030 automated teller machines (ATMs). State Bank of India, established in 1806, has its principal office located 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)3,784,870,472.771Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)4,107,245,954.184Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)3,962,072,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)766,748,559.117Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)832,056,193.195Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)802,646,489.219Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,000,059,797.921Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,112,371,153.178Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,061,794,465.316Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)30,787,634.704Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)33,409,964.485Full 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)121.730Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)109.440Full 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
1,145.07Full 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.NS valuation

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

MARKETSnap estimates intrinsic value for State Bank of India (SBIN.NS) 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.NS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SBIN.NS 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.NS’s P/E ratio?

You can see SBIN.NS’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.NS?

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.NS a good long-term investment?

Whether SBIN.NS 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.NS

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

Daily snapshot

1.83
MARKETSnap

Trading Metrics:

Open: 1024   Previous Close: 1024.2
Day Low: 1020.5   Day High: 1044.5
Year Low: 786.55   Year High: 1234.7
Price Avg 50: 1019.76   Price Avg 200: 1010.11
Volume: 6.821M   Average Volume: 17.666M

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