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Fincash » Search » State Bank of India

State Bank of India

Updated on November 6, 2019

Stock/Share Code - SBIN

With a legacy of over 200 years, State Bank of India (SBI) traces its ancestry to the Bank of Calcutta founded in 1806 and is the oldest commercial bank in the Indian subcontinent. SBI is an Indian mu...Read more

Below is the details of SBIN State Bank of India

Market Cap₹244,400 Cr.
Current Price ₹318.25 as on 11 Nov 19
52 Week High / Low Price₹373.8 / ₹247.4
Face Value₹1
Stock P/E33.77
Book Value₹247.53
Dividend Yield0.00 %
ROCE4.58 %
ROE0.39 %
Sales Growth (3yrs)13.98 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 1.11 times its book value
Cons: Company has low interest coverage ratio. Promoter's stake has decreased Company has a low return on equity of 0.82% for last 3 years. Contingent liabilities of Rs.1186104.00 Cr. Company might be capitalizing the interest cost Dividend payout has been low at 6.59% of profits over last 3 years

State Bank of India Price Chart

State Bank of India Price Chart

State Bank of India Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹67.15 33.77 ₹244,400.49 Cr. 0.00 ₹2,312.2 Cr. 147.42 6.50 62637.81 4.58
2. St Bk of India ₹67.15 26.28 ₹244,400.49 Cr. 0.00 ₹2,950.5 Cr. 169.74 7.18 65594.42 4.66
3. Bank of Baroda ₹96.5 32.84 ₹35,620.7 Cr. 0.00 ₹833.96 Cr. 27.09 60.75 19723.31 4.53
4. Punjab Natl.Bank ₹61.7 ₹29,880.27 Cr. 0.00 ₹1,074.16 Cr. 224.89 0.23 13326.97 2.52
5. Bank of India ₹67.15 ₹21,480.23 Cr. 0.00 ₹242.62 Cr. 155.09 3.19 10332.17 2.98
6. Canara Bank ₹203.4 27.48 ₹16,616.58 Cr. 0.00 ₹383.04 Cr. 12.43 7.08 12515.60 4.73
7. Allahabad Bank ₹25.95 ₹13,137.66 Cr. 0.00 ₹128 Cr. 106.58 -6.01 4323.11 0.92
8. UCO Bank ₹13.6 ₹11,669.08 Cr. 0.00 -₹601.45 Cr. 5.12 2.27 3816.53 2.69

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State Bank of India Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
Revenue42,48243,92647,39354,90554,85054,80355,94158,81358,79362,27762,98562,638
Interest27,88129,17429,32237,29936,26436,11535,96737,01537,88839,58640,03239,699
Expenses19,53420,81324,11222,66733,74033,89344,68235,73328,46824,10735,20826,891
Employee Cost %16.13%16.25%13.17%14.07%14.04%15.5%16.54%16.51%16.49%17.94%16.64%17.43%
Financing Profit-4,934-6,061-6,041-5,061-15,154-15,206-24,708-13,935-7,562-1,416-12,254-3,952
Financing Margin %-12%-14%-13%-9%-28%-28%-44%-24%-13%-2%-19%-6%
Other Income8,2619,66210,3288,00616,0168,08412,4956,6799,3758,03512,6858,015
Depreciation000000000000
Profit before tax3,3283,6004,2862,945862-7,122-12,213-7,2551,8136,6194314,063
Tax %24%28%34%32%-84%66%37%33%48%40%-94%43%
Net Profit2,5382,6102,8152,0061,582-2,416-7,718-4,8769453,9558382,312
EPS in Rs3.273.363.552.441.83-2.80-8.92-5.461.064.430.942.59
Gross NPA %7.14%7.23%6.90%9.97%9.83%10.35%10.91%10.69%9.95%8.71%7.53%7.53%
Net NPA %4.19%4.24%3.71%5.97%5.43%5.61%5.73%5.29%4.84%3.95%3.01%3.07%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue48,95063,78870,99481,394106,521119,655136,351152,397163,998175,518220,499242,869246,693
Interest31,92942,91547,32248,86863,23075,32687,06997,382106,803113,658145,646154,520157,204
Expenses15,30118,62123,77032,38838,10839,24350,28957,11869,54980,135132,033120,269114,674
Manufacturing Cost %0.48%0.25%0.46%0.46%0.35%0.33%0.32%0.36%0.36%0.36%0.38%0.37%%
Employee Cost %15.91%15.28%17.97%18.69%15.93%15.36%16.5%15.44%15.31%15.09%15.05%16.9%%
Other Cost %14.87%13.66%15.05%20.64%19.49%17.11%20.06%21.68%26.73%30.2%44.46%32.24%%
Financing Profit1,7202,252-991395,1835,086-1,006-2,103-12,354-18,275-57,179-31,920-25,185
Financing Margin %4%4%-0%0%5%4%-1%-1%-8%-10%-26%-13%-10%
Other Income9,39812,69114,95815,80614,30716,00418,51422,53327,82935,42444,57136,74038,111
Depreciation6807639339901,0071,1401,3341,1161,7002,2932,9193,2120
Profit before tax10,43914,18113,92614,95418,48319,95116,17419,31413,77414,855-15,5281,60712,926
Tax %36%36%34%45%37%29%33%32%28%29%58%46%
Net Profit6,7299,1219,1668,26511,70714,10510,89113,1029,95110,484-6,5478628,050
EPS in Rs10.3913.9814.0612.6317.0120.0714.1916.9712.3912.760.000.979.02
Dividend Payout %20%20%21%23%20%20%21%20%20%20%-0%0%

Compounded Sales Growth

  • 10 Years:: 14.30%
  • 5 Years:: 12.24%
  • 3 Years:: 13.98%
  • TTM:: 9.93%

Compounded Profit Growth

  • 10 Years:: -20.98%
  • 5 Years:: -39.76%
  • 3 Years:: -55.71%
  • TTM:: 159.95%

Return on Equity

  • 10 Years:: 6.57%
  • 5 Years:: 3.29%
  • 3 Years:: 0.82%
  • Last Year:: 0.39%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital631635635635671684747747776797892892
Equity Capital631.47634.88634.88635671.04684.03746.57746.57776.28797.35892.46892.46
Reserves48,40157,31365,31464,35183,28098,200117,536127,692143,498187,489218,236220,021
Borrowings589,131826,131907,1281,053,5021,170,6531,371,9221,577,5391,781,9442,054,0672,362,4453,068,4853,314,403
Other Liabilities83,96180,96480,880106,20682,80597,89398,748141,114163,185155,235178,347156,679
Total Liabilities722,125965,0431,053,9571,224,6941,337,4091,568,6991,794,5702,051,4962,361,5272,705,9663,465,9613,691,996
Fixed Assets3,1393,5744,1184,4325,1346,5967,7169,0429,81942,34539,20138,509
Gross Block8988.3510403.0611773.9913189.2914792.3317374.5418919.3821170.4523185.7857817.6560316.4561906.55
Accumulated Depreciation5843.846831.017656.468757.539658.6610779.0311202.9212128.6513366.6215472.6621115.7423397.6
CWIP234263295332333409286287570574792689
Investments189,501275,954295,785295,601312,198350,878398,800481,759575,652765,9901,060,987967,022
Other Assets529,250685,251753,758924,3291,019,7451,210,8171,387,7681,560,4081,775,4861,897,0582,364,9822,685,777
Cash Equivalents67466.33104403.886188.71122874.1497163.16114820.16132549.63154755.78167467.66171971.65191898.64222490.11
Loans n Advances45015.838344.1535655.6444735.4655003.2250379.9545390.01105625.54144317.75154007.72238202.77277409.89
Other Assets etc416768.2542503.2631914.15756719.45867578.891045616.551209828.721300026.391463700.411571078.391934880.192185876.92
Total Assets722,125965,0431,053,9571,224,6941,337,4091,568,6991,794,5702,051,4962,361,5272,705,9663,465,9613,691,996

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity-1,07531,538-11,80034,282-28,46921,65314,10727,62111,19711,060-85,42534,628
Profit from operations14344.1624791.7819112.4327615.7636369.4535157.2136874.1243842.2648265.4654930.1461964.6964098.51
Working Capital Changes-10965.4814025.57-23997.6813185.88-56129.29-13504.54-11629.71-11962.33-29883.49-43762.19-140409.73-22893.16
Taxes paid-4235.54-7279.46-6914.87-6519.37-8708.750-11136.99-4258.9-7185.43-107.63-6980.21-6577.84
Cash from Investing Activity-2,798302-3,055346610-736-189-3,126-2,991-4,776101,061-2,948
Fixed Assets Purchased-1223.55-1137.87-1518.18-1245.49-1710.35-2702.24-2333.02-2490.36-2738.43-2960.56-4104.98-2663.43
Cash from Financing Activity19,3715,097-3,3602,0572,148-3,2603,811-2,2894,506-1,7804,291-1,088
Proceeds from Shares16693.57562.370.390.287891.313000.3410006.0305384.55674.8323782.450
Interest Paid-1711.41-1900.43-2538.67-3019.94-3592.21-3614.9-3686.48-3822.78-3722.8-4195.24-4472.04-4112.29
Dividends Paid-862.04-1532.12-2821.39-1420.22-2151.44-2645.16-4508.38-1236.34-3058.66-2337.4600
Net Cash Flow15,49836,937-18,21536,685-25,71117,65717,72922,20612,7124,50419,92730,591

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %17%17%15%13%16%15%10%11%7%6%-3%0%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.