State Bank of India
State Bank of India operates in Public Sector Bank, part of the Financial Services sector. It booked ₹1.41 L cr of revenue in its latest quarter (Q2 FY27) and kept 18.2% of sales as profit. It is the largest of 9 Public Sector Bank companies we track, by market value.
| Segment | FY24 | FY25 | FY26 | Share |
|---|---|---|---|---|
| Retail Banking oprations- Other Retail Banking | 1.57 | 2.34 | 2.62 | 26% → 36% |
| Corporate/ Wholesale Banking operations | 1.03 | 1.49 | 1.53 | 17% → 21% |
| Insurance Business | 1.05 | 1.14 | 1.33 | 18% → 19% |
| Treasury operations | 1.24 | 1.35 | 1.30 | 21% → 18% |
| Other Banking operations | 0.21 | 0.31 | 0.35 | 4% → 5% |
| Retail Banking oprations- Digital Banking | 0.04 | 0.08 | 0.04 | 1% → 1% |
| Exceptional Items | 0.00 | — | 0.00 | 0% → 0% |
| Other Banking oprations | 0.07 | — | — | — |
| Coporate/ Wholesale Banking operations | 0.30 | — | — | — |
| Retail Banking operations - Other Retail Banking | 0.47 | — | — | — |
| Total | 5.99 | 6.71 | 7.17 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 70% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 50
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in SBIN?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹1.41 L cr |
| Other Income | ₹46,683 cr |
| Total Income | ₹1.88 L cr |
| Interest Expended | ₹84,273 cr |
| Employee Cost | ₹19,339 cr |
| Other Operating Expenses | ₹52,552 cr |
| Total Expenditure | ₹1.56 L cr |
| Operating Profit before Provisions | ₹31,592 cr |
| Provisions & Contingencies | ₹4,916 cr |
| Exceptional Items | ₹6,879 cr |
| Profit before Tax | ₹33,555 cr |
| Tax Expense | ₹7,814 cr |
| Share of Associates | ₹476 cr |
| Net Profit | ₹25,741 cr |
| Net margin on total income | 13.7% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 1.31 L cr | 1.36 L cr | 1.41 L cr |
| Total income | 1.81 L cr | 1.80 L cr | 1.88 L cr |
| Expenses | — | — | — |
| Profit before tax | 26,076 cr | 32,884 cr | 33,555 cr |
| Tax | 5,914 cr | 8,305 cr | 7,814 cr |
| Net profit (owners' share) | 20,161 cr | 24,579 cr | 25,741 cr |
| Net margin (owners' share, on revenue) | 15.4% | 18.0% | 18.2% |
| EPS (₹) | 21.28 | 26.12 | 27.47 |
Lender caveat: a bank's operating cash swings with deposits and lending — this is loan-book activity, not distress.
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| State Bank of Indiathis company | ₹970 | ₹8.96 L cr | 8.8 | 14.9% | 18.2% | — |
| Union Bank of India | ₹183 | ₹1.40 L cr | 6.1 | 15.5% | 19.6% | — |
| Punjab National Bank | ₹121 | ₹1.39 L cr | 5.9 | 13.8% | 15.8% | — |
| Bank of Baroda | ₹243 | ₹1.26 L cr | 4.7 | 15.2% | 17.9% | — |
| Indian Bank | ₹850 | ₹1.14 L cr | 8.1 | 15.9% | 18.0% | — |
| Canara Bank | ₹118 | ₹1.07 L cr | 5.0 | 16.2% | 14.7% | — |
| Bank of Maharashtra | ₹81 | ₹61,994 cr | 7.2 | 24.7% | 26.8% | — |
| Bank of India | ₹133 | ₹60,638 cr | 4.6 | 13.7% | 15.1% | — |
| Indian Overseas Bank | ₹29 | ₹56,460 cr | 7.2 | 19.0% | 20.8% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹17.35 / share | 15 May 2026 |
| Dividend | ₹15.9 / share | 16 May 2025 |
| Dividend | ₹13.7 / share | 22 May 2024 |
| Dividend | ₹11.3 / share | 31 May 2023 |
| Dividend | ₹7.1 / share | 25 May 2022 |
| Dividend | ₹4 / share | 3 Jun 2021 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.
When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.
As of Sep 2025, the company says it has spent 100% of what it set aside.
Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing