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SBIN.NS stock logo

SBIN.NS

State Bank of India

$1071.95
-14.95
 (-1.38%)
[ms_data_label text=’Delayed data’]
Exchange:  NSE
Market Cap:  9.895T
Shares Outstanding:  8.925B
Overview
Earnings
Financials
Valuation
Chart

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 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.

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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

Year202320242025
Revenue4,603,177,2355,833,495,5186,504,667,509
Gross Profit2,703,369,0683,236,135,0373,495,234,156
EBITDA790,941,572950,891,7211,103,567,702
Operating Income754,275,915912,652,4631,063,533,837
Net Income556,481,728670,846,700775,613,400

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets59,544,183,17067,337,787,99773,141,853,400
Total Liabilities55,826,503,79563,032,216,65868,091,227,400
Total Stockholders Equity3,589,313,1814,149,391,7154,870,367,600
Total Debt5,220,926,3065,565,032,3516,108,572,400
Cash and Cash Equivalents5,369,031,0445,975,677,7703,579,329,400

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-860,136,796216,324,310484,862,946
Capital Expenditure-40,436,315-41,751,262-56,372,241
Free Cash Flow-900,573,111174,573,048428,490,705
Net Income744,883,000901,864,5001,049,094,768
Net Change in Cash-805,932,12082,603,938313,606,393

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)3,674,321,000Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)4,241,720,741.579Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)3,674,321,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)543,260,565.529Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)627,152,502.160Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)543,260,565.529Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,087,667,768.356Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,306,017,005.698Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,196,842,387.027Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)30,373,987.431Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)35,064,430.269Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)30,373,987.431Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)121.880Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)146.340Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)121.880Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
1.46
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
12.17
?Enterprise Value
 (TTM)
: 
13.691T  ?EV/FCF
 (TTM)
: 
-8.3
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0.17
?ROE
 (TTM)
: 
0.15  ?ROIC
 (TTM)
: 
0.04
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
1.16
?P/B
 (TTM)
: 
1.68  ?Current Ratio
 (TTM)
: 
0.05

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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
1,085.15Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Intrinsic Value Calculator

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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.

[ms_data_label text="Daily snapshot"]

-1.38
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 755.5   Year High: 1234.7
Price Avg 50: 1091.19   Price Avg 200: 975.24
Volume: 14.269M   Average Volume: 17.244M

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