State Bank Of India

SECTOR: Bank - Public

174.05
₹ -0.8 (-0.46%)
Today's High: 177.6 Today's Low : 171.55
52 Week High: 373.70 52 Week Low : 149.55
 FinStar
FinStar Indicates the overall health and quality of a stock based on Finology Research.
Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

 Company Essentials

Market Cap

155332.86374927 Cr.

P/E

13.22

P/B

0.75

Face Value

₹1

Div. Yield

0%

Book Value (TTM)

232.914

CASA %

44.570772034255

Net Interest Income

88348.876 Cr.

Cost To Income %

55.7

Promoter Holding

57.63%

EPS (TTM)

13.161

CAR %

12.85

ROE

0.44 %

ROCE

2.75 %

Profit Growth

113.17 %

No. of Shares

892.4611534 Cr.

Add your own Ratio
* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

 Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

 Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

 Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 ROE

1 Year0.44%
3 Year1.23%
5 Year4.32%

 ROA%

1 Year0.02%
3 Year0.07%
5 Year0.27%

 Net NPA%

1 Year3.01%
3 Year4.15%
5 Year3.68%

 NIM

1 Year2.62%
3 Year2.48%
5 Year2.57%

 CAR %

12.85

 Cost of Liabilities %

4.66

 PEG Ratio

0.12

 Advances Growth %

12.97

 Share Holding Pattern

 Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 57.63 0
Dec 2019 57.68 0
Sep 2019 57.88 0
Jun 2019 57.88 0
Mar 2019 57.92 0
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 44.570772034255% of total deposits.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.0733333333333333%
  • Company has a low ROE of 1.22666666666667% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 4.15%.
  • High Cost to income ratio of 55.7%.
  • The company has delivered poor Profit Growth of -55.7489240719828% over the past 3 years.

 Quarterly Result (All Figures are in Crores.)

Particulars Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
Interest Earned 62276.61 62985.38 62637.81 64312.39 67691.99
Other Income 8035.23 12685.12 8015.42 8538.39 9105.92
Interest Expended 39585.62 40031.55 39699.02 39712.07 39913.2
Operating Expenses 18101.27 18705.86 17708.05 18424.25 18662.15
Total Provisions 6006.22 16501.89 9182.94 16623.23 7252.9
Profit Before Tax 6618.73 431.2 4063.22 5059.83 10969.66
Net Profit 3954.81 838.4 2312.2 3011.73 5583.36
Net NPA % 3.95 3.01 3.07 2.79 2.65
Gross NPA % 8.71 7.53 7.53 7.19 6.94
Return on Assets % 0.45 0.09 0.25 0.33 0.6
NPM % 6.35 1.33 3.69 4.68 8.25

 Profit & Loss (All Figures are in Crores except Adjusted EPS in Rs.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Interest Earned 152397.07 163998.3 175518.24 220499.32 242868.65
Other Income 22575.89 27845.37 35460.93 44600.69 36774.89
Interest Expended 97381.82 106803.49 113658.5 145645.6 154519.78
Operating Expenses 38053.87 41782.37 46472.77 59943.45 69687.74
Total Provisions 20223.31 29483.75 35992.72 75039.2 53128.55
Profit Before Tax 19313.96 13774.05 14855.17 -15528.24 2307.48
Taxes 6212.39 3823.4 4371.07 -8980.79 1445.25
Net Profit 13101.57 9950.65 10484.1 -6547.45 862.23
Adjusted EPS 18 13 13 -7 1

 Balance Sheet (All Figures are in Crores.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity and Liabilities
Share Capital 746.57 776.28 797.35 892.46 892.46
Total Reserves 127691.65 143498.16 187488.71 218236.1 220021.36
Deposits 1576793.25 1730722.44 2044751.4 2706343.29 2911386.01
Borrowings 205150.29 323344.59 317693.66 362142.08 403017.12
Other Liabilities 137698.04 159276.08 155235.19 167138.08 145597.3
Total Liabilities 2048079.8 2357617.54 2705966.3 3454752 3680914.25
Assets
Balance with RBI 115883.84 129629.33 127997.62 150397.18 176932.42
Balance with Banks 38871.94 37838.33 43974.03 41501.46 45557.69
Investments 481758.75 575651.78 765989.63 1060986.72 967021.95
Advances 1300026.39 1463700.42 1571078.38 1934880.19 2185876.92
Net Block 9041.8 9819.16 42344.99 39200.71 38508.94
Other Assets 102209.71 140408.41 154007.72 226994.2 266327.7
Total Assets 2048079.8 2357617.54 2705966.3 3454752 3680914.25
* Other Non-current Liabilities include Net deferred Liabilities

 Corporate Actions

 Ratings & Research Reports

 Company Presentations

Currently we do not have any Presentation and Concall related to this company.

 SBI Stock Price Analysis and Quick Research Report

Is SBI an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how SBI is performing and if it is the right time to buy the stock of SBI with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. SBI has earned Rs 242868.654 Cr. revenue in the latest financial year. It has posted decent revenue growth of 13.983889712291 % in last 3 Years.

  • In terms of advances, the bank reported 12.97 % YOY,  rise . If you see 3 years advance growth, it stands at 14.303054402738 %.

  • Currently the company has a CASA ratio of 44.5707720251086 %. It’s overall cost of liability stands at 4.66206951872154 %. Also, the total deposits from these accounts stood at Rs 2911386.011 Cr.

  • The Bank has a Poor ROA track record. The ROA of SBI is at 0.0241667637004114 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 7.53 % and 3.01 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -29.198944018593 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of SBI decreased and is currently at Rs 3.67748878 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 12.72 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently SBI is trading at a P/B of 1.45878794770732 . The historical average PB was 1.34.

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