SBI

State Bank Of India

NSE: SBIN BSE: 500112 SECTOR: Bank - Public  458k   5k   1k

454.25
+2.85 (0.63%)
NSE: 24 Jun 03:59 PM

Price Summary

Today's High

₹ 460.35

Today's Low

₹ 453.2

52 Week High

₹ 549

52 Week Low

₹ 401.25

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

₹ 405400.48 Cr.

CASA %

45.4

No. of Shares

892.46 Cr.

P/E

12.8

P/B

1.58

Face Value

₹ 1

Div. Yield

1.54 %

Book Value (TTM)

₹  287.64

Net Interest Income

₹ 110710 Cr.

Cost To Income %

57.91

Promoter Holding

57.59 %

EPS (TTM)

₹  35.49

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.

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Index Presence

The company is present in 34 Indices.

BANKNIFTY

Nifty Bank
33627.45
  492.449999999997 (1.48619284744227%)

NIFTYSERVICE

Nifty Services Sector
21226.5
  177.5 (0.843270464155066%)

NIFTY100WEIGHT

Nifty100 Equal Weight
18285.75
  201.5 (1.11422923261955%)

NIFTYEQWGT

NIFTY50 Equal Weight
17651.7
  171.100000000002 (0.978799354713233%)

NFTY200MOM30

Nifty200 Momentum 30
16454.05
  101.449999999999 (0.620390641243596%)

NIFTY100

Nifty 100
15858.3
  153.5 (0.977408180938322%)

NIFTY

Nifty 50
15699.25
  142.6 (0.916649792853863%)

NIFTYFINANCE

Nifty Financial Services
15595.5
  203.85 (1.32441940922514%)

NTYFIN2550

Nifty Financial Services 25/50
15319.9
  190.9 (1.26181505717495%)

NIFTY500

Nifty 500
13322.5
  143.700000000001 (1.09038759219353%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
8659.85
  100.65 (1.17592765679035%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
8608
  107.549999999999 (1.26522713503401%)

NIFTY200

Nifty 200
8258.6
  84.7000000000007 (1.03622505780596%)

NIFTYTOTALMCAP

Nifty Total Market index
7409.25
  81.25 (1.10876091703056%)

LIQ15

Nifty100 Liquid 15
3920.95
  43.1499999999996 (1.11274433957398%)

NIFTYPSUBANK

Nifty PSU Bank
2460.4
  47.8000000000002 (1.98126502528393%)

NIFTYHIGHBETA

Nifty High Beta 50
1691.64
  -8.4699999999998 (-0.498203057449209%)

SENSEX

S&P Bse Sensex
52727.98
  462.260000000002 (0.884442039638977%)

BANKEX

S&P Bse Bankex
38701.99
  496.07 (1.29841134567628%)

BSE500

S&P Bse 500
21223.98
  225.43 (1.07355031656948%)

SNSX50

S&P Bse Sensex50
16473.13
  149.85 (0.918014026592706%)

BSE100

S&P Bse 100
15963.31
  152.449999999999 (0.964210675447119%)

BSEPSU

S&P Bse PSU
7856.69
  70.9899999999998 (0.911799838164828%)

FIN

S&P Bse Finance
7225.03
  99.6700000000001 (1.39880651644269%)

BSE200

S&P Bse 200
6782.42
  68.8699999999999 (1.02583580966851%)

LMI250

S&P Bse 250 LargeMidCap
6412.51
  65.6999999999998 (1.03516569741335%)

ALLCAP

S&P Bse Allcap
6091.96
  66.8599999999997 (1.10969112545849%)

LRGCAP

S&P Bse LargeCap
6057.28
  56.6099999999997 (0.943394654263607%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
5769.13
  54.9700000000003 (0.961996163915613%)

BHRT22

S&P Bse Bharat 22 Index
3804.03
  22.7400000000002 (0.601382068024403%)

CARBONEX

S&P Bse Carbonex
2592.04
  24.71 (0.962478528276467%)

SPBSMOIP

S&P Bse Momentum
994.69
  12.4100000000001 (1.26338722156616%)

ESG100

S&P Bse 100 ESG Index
263.68
  2.95999999999998 (1.13531758208039%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
6376.2
  64.8699999999999 (1.02783406983948%)

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 Year13.01%
3 Year9.83%
5 Year5.24%

ROA%

1 Year0.67%
3 Year0.51%
5 Year0.27%

Net NPA%

1 Year1.02%
3 Year1.58%
5 Year2.7%

 NIM

1 Year2.62%
3 Year2.67%
5 Year2.59%

CAR %

13.74

Cost of Liabilities %

3.768154581781

PEG Ratio

0.31

Advances Growth %

11.61335204439

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 57.59 0
Dec 2021 57.6 0
Sep 2021 57.62 0
Jun 2021 57.62 0
Mar 2021 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 0.508673630573971%
  • High Cost to income ratio of 53.5984477897254%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Interest Earned 65101.64 65564.43 69481.49 69678.12 70733.25
Other Income 16225.32 11802.74 8207.6 8673.42 11880.15
Interest Expended 38034.64 37926 38297.59 38990.72 39535.39
Operating Expenses 23592.17 20466.35 21312.42 20839.18 23361.18
Total Provisions 11051.03 10051.96 188.75 6973.97 7237.45
Profit Before Tax 8649.12 8922.86 10471.94 11547.67 12479.38
Tax 2198.37 2418.86 2845.37 3115.79 3365.85
Net Profit 6450.75 6504 7626.57 8431.88 9113.53
Net NPA % 1.5 1.77 1.52 1.34 1.02
Gross NPA % 4.98 5.32 4.9 4.5 3.97
Return on Assets % 0.58 0.57 0.66 0.71 0.74
NPM % 9.91 9.92 10.98 12.1 12.88

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 220499.32 242868.65 257323.59 265150.63 275457.29
Other Income 44600.69 36774.89 45221.48 43496.37 40563.91
Interest Expended 145645.6 154519.78 159238.77 154440.63 154749.7
Operating Expenses 59943.45 69687.74 75173.69 82652.22 93397.52
Total Provisions 75039.2 53128.55 43330.37 44013.03 24452.13
Profit Before Tax -15528.24 2307.48 24802.24 27541.12 43421.85
Taxes -8980.79 1445.25 10314.13 7130.65 11745.87
Net Profit -6547.45 862.23 14488.11 20410.47 31675.98
Adjusted EPS (Rs.) -7.34 0.97 16.23 22.87 35.49

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 892.46 892.46 892.46 892.46 892.46
Total Reserves 218236.1 220021.36 231114.97 252982.73 279195.6
Deposits 2706343.29 2911386.01 3241620.73 3681277.08 4051534.12
Borrowings 362142.07 403017.12 314655.65 417297.7 426043.38
Other Liabilities 167138.08 145597.3 163110.1 181979.66 229931.84
Total Liabilities 3454752 3680914.25 3951393.92 4534429.63 4987597.41
Assets
Balance with RBI 150397.18 176932.42 166735.78 213201.54 257859.21
Balance with Banks 41501.46 45557.69 84361.23 129837.17 136693.11
Investments 1060986.72 967021.95 1046954.52 1351705.21 1481445.47
Advances 1934880.19 2185876.92 2325289.56 2449497.79 2733966.59
Net Block 39200.71 38508.94 38023.39 38067.41 37467.49
Other Assets 226994.2 266327.7 289613.55 351768.68 339924.86
Total Assets 3454752 3680914.25 3951393.92 4534429.63 4987597.41
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 57.63 57.62 57.62 57.60 57.59
government of india - - - - 57.46
president of india - - 57.60 57.59 -
central government 57.62 57.62 - - -
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 42.37 42.38 42.38 42.40 42.41
life insurance cor... - - - - 10.55
life insurance cor... - - - - -
life insurancwe co... - - - - -
life insurance cor... - - - - -
life insurance cor... 8.62 8.34 8.34 8.40 -
hdfc trustee compa... 2.71 2.64 2.52 2.39 -
hdfc trustee compa... - - - - 2.92
sbi-etf sensex 2.15 2.18 2.35 2.61 -
bharat 22 etf - - - - 1.70
reliance capital t... - - - - -
reliance capital t... - - - - -
icici prudential v... - - - - -
nippon life india ... 1.29 1.15 1.12 1.05 -
reliance capital t... - - - - 1.41
prudential icici t... 1.19 1.25 1.22 1.29 -
sbi-etf nifty 50 - - - - 1.19
icici prudential v... - - - - -
europacific growth... - - - - 1.15
government of sing... - - - - -
nps trust-a/c sbi ... - - 1.02 1.03 -
kotak tax saver sc... - - 1.03 1.02 -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

State Bank of India informs about outcome of AGM23 Jun 2022, 2:52PM State Bank Of India informs about analyst meet22 Jun 2022, 11:26AM SBI to collaborate with DoPPW21 Jun 2022, 4:58PM SBI partners with Ather Energy8 Jun 2022, 5:17PM UPEIDA inks MoUs with SBI, Bank of Baroda, PNB8 Jun 2022, 2:31PM SBI to forge partnerships with fintech firms, NBFCs2 Jun 2022, 3:36PM State Bank of India unveils personal loan product ‘Xpress Credit’ on YONO26 May 2022, 11:08AM SBI reports 37% rise in Q4 consolidated net profit13 May 2022, 3:29PM SBI - Quaterly Results13 May 2022, 1:23PM SBI - Quaterly Results13 May 2022, 1:23PM SBI - Quaterly Results13 May 2022, 1:23PM State Bank of India gets nod to raise $2 billion long-term fund in current financial year11 May 2022, 9:59AM SBI mulling to raise up to $2 billion through bonds5 May 2022, 11:16AM State Bank Of India informs about executive committee meet5 May 2022, 10:10AM SBI raises $500 million through IFSC Gift City branch18 Apr 2022, 5:57PM SBI, Border Security Force ink MoU 4 Apr 2022, 4:36PM SBI to buy over 13% stake held by three other banking partners in SBIGFL30 Mar 2022, 4:41PM SBI enters into co-lending agreements with five housing finance companies25 Mar 2022, 12:58PM SBI to place 12 NPAs for sale to recover dues of over Rs 820 crore21 Mar 2022, 12:45PM State Bank of India planning to set up innovation, incubation and acceleration centre: Report17 Mar 2022, 3:28PM SBI along with PHDCCI organises outreach programme to help SMEs in Punjab7 Mar 2022, 10:18AM SBI stops processing transactions of Russian entities under sanctions 3 Mar 2022, 4:29PM State Bank Of India informs about analyst meet3 Mar 2022, 10:11AM State Bank Of India informs about investors meet25 Feb 2022, 9:50AM State Bank Of India informs about investor interactions24 Feb 2022, 9:50AM State Bank Of India informs about analyst meet22 Feb 2022, 10:39AM SBI eyeing to recover around Rs 8,000 crore from written-off accounts in FY2214 Feb 2022, 9:45AM SBI ties up with Hero Electric for retail finance 12 Feb 2022, 11:31AM SBI reports 51% rise in Q3 consolidated net profit7 Feb 2022, 11:10AM SBI lines up 6 NPA accounts for sale to ARCs to recover dues of around Rs 406 crore7 Feb 2022, 9:58AM SBI - Quaterly Results5 Feb 2022, 1:31PM SBI - Quaterly Results5 Feb 2022, 1:31PM SBI - Quaterly Results5 Feb 2022, 1:31PM CBI books Nandini Industries for defrauding SBI of Rs 218 crore 3 Feb 2022, 12:39PM SBI collaborates with Tata Power Solar Systems1 Feb 2022, 9:05AM State Bank Of lndia informs about loss share certificates29 Jan 2022, 3:15PM Govt sanctions Rs 973.74 crore to SBI for ex-gratia payment to borrowers20 Jan 2022, 11:59AM State Bank of India informs about loss of share certificate15 Jan 2022, 3:23PM SBI raises $300 million from Regulation S Formosa bonds14 Jan 2022, 9:18AM State Bank Of India informs about disclosure11 Jan 2022, 12:31PM State Bank of India informs about issuance of duplicate share certificate11 Jan 2022, 9:48AM State Bank of India invests $20 million in Pine Labs: Report6 Jan 2022, 12:59PM State Bank of India to enhance free IMPS online transactions limit to Rs 5 lakh5 Jan 2022, 12:27PM State Bank of India to acquire about 10% stake in India International Clearing Corporation31 Dec 2021, 9:36AM SBI picks up minority stake in JSW Cement via CCPS21 Dec 2021, 4:09PM SBI's exposure to road sector stands at Rs 90,000 crore 20 Dec 2021, 2:39PM State Bank of India launches new 'Namaste UK' account20 Dec 2021, 10:24AM State Bank of India renews memorandum of understanding with Indian Army16 Dec 2021, 10:33AM SBI to offload 6% stake in SBI Funds Management through IPO15 Dec 2021, 3:32PM SBI collects Rs 346 crore since FY18 in additional services fee on basic savings, Jan Dhan account15 Dec 2021, 12:38PM

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 1.5796 . The historical average PB was 1.27050461689189.

Brief about SBI

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