SBI

State Bank Of India

NSE: SBIN BSE: 500112 SECTOR: Bank - Public  317k   4k   1k

502.95
0 0
NSE: 22 Oct 03:59 PM

Price Summary

Today's High

₹ 508.7

Today's Low

₹ 500

52 Week High

₹ 507.5

52 Week Low

₹ 185.9

FinStar

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.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 448863.34 Cr.

CASA %

45.4

No. of Shares

892.46 Cr.

P/E

19.75

P/B

1.89

Face Value

₹ 1

Div. Yield

0.8 %

Book Value (TTM)

₹  266.35

Net Interest Income

₹ 110710 Cr.

Cost To Income %

53.6

Promoter Holding

57.62 %

EPS (TTM)

₹  25.46

CAR %

13.74

ROE

9.31 %

ROCE

6.49%

Profit Growth

40.88 %

Add Your 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.

Your Added Ratios

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Index Presence

The company is present in 31 Indices.

BANKNIFTY

NIFTY BANK
40323.65
  293.450000000004 (0.733071530994112%)

NIFTYSERVICE

NIFTY SERV SECTOR
25477.9
  -29.5 (-0.115652712546166%)

NIFTY100WEIGHT

NIFTY 100 EQUAL WEIGHT
21067.4
  -213 (-1.00092103531888%)

NIFTYEQWGT

NIFTY50 EQUAL WEIGHT
20119.9
  -161.799999999999 (-0.797763501087179%)

NIFTYFINANCE

NIFTY FINANCE
19302.95
  114.100000000002 (0.594616144271298%)

NIFTY100

NIFTY 100
18285.15
  -88.9499999999971 (-0.484105343935193%)

NIFTY

NIFTY 50
18114.9
  -63.1999999999971 (-0.347671098739677%)

NIFTY500

NIFTY 500
15399.7
  -87.9499999999989 (-0.567871820450483%)

NIFTYLGEMID250

NIFTY LARGE MIDCAP 250
10011.85
  -117.449999999999 (-1.15950756715666%)

NIFTY200

NIFTY 200
9546.3
  -51.4000000000015 (-0.535544974316782%)

LIQ15

NIFTY100 LIQ 15
4654.25
  -11.4499999999998 (-0.245407977366741%)

NIFTYPSUBANK

NIFTY PSU BANK
2823.25
  -13.3499999999999 (-0.470633857434954%)

NIFTYHIGHBETA

HIGH BETA
2272.04
  -14.1599999999999 (-0.619368384218344%)

SENSEX

S&P Bse Sensex
60821.62
  -101.879999999997 (-0.167226111434826%)

BANKEX

S&P Bse Bankex
46105.17
  337.5 (0.73742010462845%)

BSE500

S&P Bse 500
24495.84
  -143.189999999999 (-0.581151124861645%)

SNSX50

S&P BSE SENSEX50
18978.85
  -71.3400000000001 (-0.374484453960833%)

BSE100

S&P Bse 100
18331.72
  -88.8400000000001 (-0.482287183451535%)

FIN

S&P BSE Finance
8980.3
  42.1099999999988 (0.471124467034145%)

BSEPSU

S&P Bse PSU
8898.75
  -53.0799999999999 (-0.592951385359197%)

BSE200

S&P Bse 200
7806.36
  -39.1300000000001 (-0.498757885103418%)

LMI250

S&P BSE 250 LargeMidCap
7386.85
  -40.9699999999993 (-0.551575024704409%)

ALLCAP

S&P Bse Allcap
7016.21
  -41.9499999999998 (-0.594347535334983%)

LRGCAP

S&P BSE LargeCap
6949.95
  -28.5200000000004 (-0.408685571479139%)

BSE100LARGECAPTMC

S&P BSE 100 LargeCap TMC
6638.57
  -31.8699999999999 (-0.477779576759552%)

BHRT22

S&P BSE Bharat 22 Index
4128.79
  -51.75 (-1.23787836021184%)

CARBONEX

S&P Bse Carbonex
2970.51
  -15.9199999999996 (-0.533077955954087%)

SPBSMOIP

S&P BSE Momentum
1161.77
  -18.3099999999999 (-1.55158972273066%)

SPBSEVIP

S&P BSE Enhanced Value
450.59
  -6.55000000000001 (-1.43282145513409%)

ESG100

S&P BSE 100 ESG Index
301.34
  -1.60000000000002 (-0.528157390902495%)

S&P LARGEMIDCAP

S&P BSE Large MidCap
7339.17
  -36.3099999999995 (-0.492306941378728%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year9.31%
3 Year5.64%
5 Year4.03%

ROA%

1 Year0.48%
3 Year0.29%
5 Year0.22%

Net NPA%

1 Year1.5%
3 Year2.25%
5 Year3.24%

 NIM

1 Year2.67%
3 Year2.67%
5 Year2.56%

CAR %

13.74

Cost of Liabilities %

3.768154581781

PEG Ratio

0.48

Advances Growth %

5.34162422174245

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2021 57.62 0
Jun 2021 57.62 0
Mar 2021 57.63 0
Dec 2020 57.64 0
Sep 2020 57.63 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 45.3994971164083% of total deposits.
  • The company has delivered good Profit growth of 72.3246308297123% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.294955847613426%
  • Company has a low ROE of 5.6377529855034% over the last 3 years.
  • High Cost to income ratio of 53.5984477897254%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 66500.38 66814.11 66734.5 65101.64 65564.43
Other Income 7957.48 8527.69 9246.15 16225.32 11802.74
Interest Expended 39858.82 38632.61 37914.56 38034.64 37926
Operating Expenses 18077.69 20249.43 20732.93 23592.17 20466.35
Total Provisions 12501.3 10118.31 10342.39 11051.03 10051.96
Profit Before Tax 5559.78 6341.45 6990.77 8649.12 8922.86
Tax 1370.44 1767.29 1794.55 2198.37 2418.86
Net Profit 4189.34 4574.16 5196.22 6450.75 6504
Net NPA % 1.86 1.59 1.23 1.5 1.77
Gross NPA % 5.44 5.28 4.77 4.98 5.32
Return on Assets % 0.42 0.44 0.49 0.58 0.57
NPM % 6.3 6.85 7.79 9.91 9.92

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 175518.24 220499.32 242868.65 257323.59 265150.63
Other Income 35460.93 44600.69 36774.89 45221.48 43496.37
Interest Expended 113658.5 145645.6 154519.78 159238.77 154440.63
Operating Expenses 46472.77 59943.45 69687.74 75173.69 82652.22
Total Provisions 35992.72 75039.2 53128.55 43330.37 44013.03
Profit Before Tax 14855.17 -15528.24 2307.48 24802.24 27541.12
Taxes 4371.07 -8980.79 1445.25 10314.13 7130.65
Net Profit 10484.1 -6547.45 862.23 14488.11 20410.47
Adjusted EPS (Rs.) 13.15 -7.34 0.97 16.23 22.87

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 797.35 892.46 892.46 892.46 892.46
Total Reserves 187488.71 218236.1 220021.36 231114.97 252982.73
Deposits 2044751.39 2706343.29 2911386.01 3241620.73 3681277.08
Borrowings 317693.66 362142.07 403017.12 314655.65 417297.7
Other Liabilities 155235.19 167138.08 145597.3 163110.1 181979.66
Total Liabilities 2705966.3 3454752 3680914.25 3951393.92 4534429.63
Assets
Balance with RBI 127997.62 150397.18 176932.42 166735.78 213201.54
Balance with Banks 43974.03 41501.46 45557.69 84361.23 129837.17
Investments 765989.63 1060986.72 967021.95 1046954.52 1351705.21
Advances 1571078.38 1934880.19 2185876.92 2325289.56 2449497.79
Net Block 42344.99 39200.71 38508.94 38023.39 38067.41
Other Assets 154007.72 226994.2 266327.7 289613.55 351768.68
Total Assets 2705966.3 3454752 3680914.25 3951393.92 4534429.63
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Promoters 57.63 57.64 57.63 57.62 57.62
government of india - - - - 57.46
president of india 57.63 57.63 - - -
central government - - 57.62 57.62 -
PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Investors 42.37 42.36 42.37 42.38 42.38
life insurance cor... - - - - 10.55
life insurance cor... - - - - -
life insurancwe co... - 9.24 - - -
life insurance cor... 9.25 - - - -
life insurance cor... - - 8.62 8.34 -
hdfc trustee compa... 2.87 3.66 2.71 2.64 -
hdfc trustee compa... - - - - 2.92
sbi-etf sensex 2.09 2.86 2.15 2.18 -
bharat 22 etf - - - - 1.70
reliance capital t... - 1.54 - - -
reliance capital t... - - - - -
icici prudential v... - - - - -
reliance capital t... - - - - -
nippon life india ... 1.48 - 1.29 1.15 -
reliance capital t... - - - - 1.41
prudential icici t... 1.37 - 1.19 1.25 -
icici prudential v... - - - - -
sbi-etf nifty 50 - - - - 1.19
icici prudential v... - 1.18 - - -
europacific growth... - - - - 1.15
government of sing... - 1.16 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

SBI gets nod to raise Rs 6,000 crore19 Oct 2021, 11:49AM RBI imposes monetary penalty of Rs 1 crore on SBI19 Oct 2021, 9:50AM State Bank Of India informs about disclosure19 Oct 2021, 9:47AM State Bank of India informs about compliance certificate13 Oct 2021, 11:40AM SBI extends partnership with TCS6 Oct 2021, 3:24PM State Bank of India trying to work out way to debt finance start ups30 Sep 2021, 2:01PM SBI signs pact with VCCL, SMPL and PDL 30 Sep 2021, 10:34AM SBI signs Service Level agreement with Paisalo Digital27 Sep 2021, 4:31PM State Bank of India informs about loss share certificates21 Sep 2021, 3:42PM State Bank of India to provide home loans to customers at concessional interest rates17 Sep 2021, 2:15PM SBI raises Rs 4,000 crore through AT1 bonds2 Sep 2021, 10:46AM SBI’s arm to service Ayushman Bharat Sarbat Sehat Bima Yojana in Punjab25 Aug 2021, 4:49PM State Bank Of India informs about investor meeting24 Aug 2021, 2:31PM SBI launches various special offers for retail customers16 Aug 2021, 2:15PM YIAPL raises Rs 3,725 crore debt from SBI for development of upcoming Noida International Airport11 Aug 2021, 12:55PM State Bank of India reports 45% rise in Q1 consolidated net profit4 Aug 2021, 2:42PM SBI’s arm inks pact with SahiPay 3 Aug 2021, 9:42AM State Bank of India opens branch in President's Estate26 Jul 2021, 12:45PM SBI working towards launching next version of Yono17 Jul 2021, 9:07AM State Bank Of India informs about investor meet12 Jul 2021, 3:21PM SBI planning to auction two NPA accounts next month to recover dues 7 Jul 2021, 10:19AM SBI to levy charges for cash withdrawal beyond 4 free transactions per month29 Jun 2021, 3:04PM SBI launches Aarogyam healthcare business loan25 Jun 2021, 10:39AM SBI gets nod to raise Rs 14,000 crore via Basel-III compliant bonds 22 Jun 2021, 11:25AM SBI invites bids for two NPA accounts with outstanding dues of Rs 60 crore18 Jun 2021, 10:38AM SBI planning to raise additional tier-1 capital17 Jun 2021, 9:13AM SBI witnesses rebound in domestic advances growth to 5.67% in FY215 Jun 2021, 8:34AM State Bank Of India informs about annual report4 Jun 2021, 12:26PM State Bank of India to auction two NPA accounts2 Jun 2021, 1:13PM State Bank Of India informs about investor interactions1 Jun 2021, 10:08AM State Bank Of India submits press release and copy of presentation21 May 2021, 4:18PM SBI reports 60% rise in Q4 consolidated net profit21 May 2021, 3:43PM SBI launches full power YONO Savings Account20 May 2021, 12:40PM SBI to sell three bad accounts next month to recover dues of over Rs 235 crore17 May 2021, 11:55AM SBI, EIB to jointly pump Euro 100 million into Indian SMEs focused on climate change, sustainability8 May 2021, 10:00AM SBI’s various digital services to be affected on May 7 due to maintenance activities7 May 2021, 12:23PM SBI allocates Rs 70 crore to combat 2nd wave of COVID-194 May 2021, 10:10AM State Bank of India to support various initiatives in combating second wave of Covid-193 May 2021, 2:27PM SBI decides to permit acceptance of documents for KYC updation through mail or post3 May 2021, 12:20PM SBI’s Yono joins hands with Shivrai Technologies29 Apr 2021, 1:35PM SBI’s arm to bear cost of COVID-19 vaccination for active agents, point of sale persons28 Apr 2021, 12:07PM SBI planning to raise long term fund27 Apr 2021, 4:33PM SBI’s arm launches helpline for health insurance customers20 Apr 2021, 4:24PM Irdai imposes penalty of Rs 25 lakh on SBI’s arm19 Apr 2021, 11:53AM SBI puts up for sale NPA account of MSP Metallics17 Apr 2021, 10:56AM State Bank of India hikes home loan rate to 6.95%5 Apr 2021, 2:17PM SBI raises $1 billion loan from JBIC to help COVID-hit Japanese auto manufacturers in India31 Mar 2021, 2:38PM SBI’s arm to cover vaccine cost for low-income beneficiaries in Maharashtra, Andhra Pradesh 26 Mar 2021, 12:02PM SBI extends first SOFR-linked ECB to Indian Oil Corporation 17 Mar 2021, 10:07AM RBI imposes penalty of Rs 2 crore on SBI for contravention of norms17 Mar 2021, 9:47AM

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 265150.6338 Cr. revenue in the latest financial year. It has posted Poor revenue growth of 6.33956374454803 % in last 3 Years.

  • In terms of advances, the bank reported 5.34162422174245 % YOY,  rise . If you see 3 years advance growth, it stands at 8.17850900744079 %.

  • Currently the company has a CASA ratio of 45.3994971164083 %. It’s overall cost of liability stands at 3.768154581781 %. Also, the total deposits from these accounts stood at Rs 3681277.0796 Cr.

  • The Bank has a Poor ROA track record. The ROA of SBI is at 0.481048640280158 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.98 % and 1.5 % 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 positive at 1.57547360363521 % which means it has increased 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 43496.3747 Cr.

  • The company has a Good Capital Adequacy Ratio of 13.74 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently SBI is trading at a P/B of 1.8923 . The historical average PB was 1.27050461689189.

Brief about SBI

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