BSE: 500112 | NSE: SBIN | Bank - Public | Large Cap
1. Is State Bank Of India a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that State Bank Of India is a good quality company.
2. Is State Bank Of India undervalued or overvalued?
The key valuation ratios of State Bank Of India's currently when compared to its past seem to suggest it is in the Fair zone.
3. Is State Bank Of India a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of State Bank Of India is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Net Interest Income (₹ Cr.)||44,329||49,282||55,015||57,195||61,860||74,854||88,349||98,085||1,10,710||1,20,708||1,35,646|
|YoY Gr. Rt. %||-||11.2%||11.6%||4%||8.2%||21%||18%||11%||12.9%||9%||-|
|YoY Gr. Rt. %||-||14.2%||13%||9.6%||10%||25.7%||5.5%||8.2%||2%||2.4%||-|
|Adj EPS (₹ )||20.6||14.6||17.6||12.8||13.2||-7.3||1||16.2||22.9||35.5||47.8|
|YoY Gr. Rt. %||-||-29.2%||20.3%||-27%||2.6%||-155.8%||NA||1573.2%||40.9%||55.2%||-|
|BVPS (₹ )||144.6||158.4||172||185.9||196.5||217.7||219.9||233.3||258.1||287.6||333.7|
|YoY Gr. Rt. %||-||9.6%||8.6%||8%||5.8%||10.8%||1%||6.1%||10.6%||11.5%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||1||0.7||0.7||0.5||0.4||-0.2||0||0.4||0.5||0.7||0.8|
|To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||2.1||2.6||2.1||3.8||3.7||5.7||3||2.2||1.5||1||0.8|
|To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||-||-||-||-||-||-||-||-||-||-||13.85|
CAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||11.8%||14.3%||11%||9%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||TTM|
|Interest Earned / Total Income||88.18||88.02||87.1||85.49||83.19||83.18||86.85||85.05||85.91||87.16||90|
|Margins||To view Margins Colour Rating Guide click here ⓘ|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||15.4||10||10.6||7.3||7||-3.7||0.4||7.2||9.3||13||13.4|
|Liquidity Ratio||To view Liquidity Ratio Colour Rating Guide click here ⓘ|
Return on Equity has increased versus last 3 years average to 15.40%
Total Income has increased 4.16 CAGR in last 3 years
Net Profit has increased 231.98 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
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|TTM EPS (₹)||47.8||52.8|
|TTM Sales (₹ Cr.)||3,09,885||3,27,369|
|BVPS (₹.) ⓘ||333.7||367.1|
|Reserves (₹ Cr.) ⓘ||2,96,933||3,26,706|
|From the Market|
|52 Week Low / High (₹)||430.80 / 629.65|
|All Time Low / High (₹)||13.20 / 629.65|
|Market Cap (₹ Cr.)||4,63,277|
|Equity (₹ Cr.)||892.5|
|Face Value (₹)||1|
|Industry PE ⓘ||10|
The origin of the State Bank of India goes back to the first decade of the nineteenth century with the establishment of the Bank of Calcutta in 1806 in Calcutta. Three years later the bank received its charter and was re-designed as the Bank of Bengal (January 02, 1809). A unique institution, it was the first joint-stock bank of British India sponsored by the Government of Bengal. The Bank of Bombay (April 15, 1840) and the Bank of Madras (July 01, 1843) followed the Bank of Bengal. These three banks remained at the apex of modern banking in India till their amalgamation as the Imperial Bank of India on January 27, 1921. The presidency Banks of Bengal, Bombay and Madras with their 70 branches were merged in 1921 to form the Imperial Bank of India. The establishment of the Reserve Bank of India as the central bank of the country in 1935 ended the quasi-central banking role of the Imperial Bank.
In 1951, when the First Five Year Plan was launched, the development of rural India was given the highest priority. The commercial banks of the country including the Imperial Bank of India had till then confined their operations to the urban sector and were not equipped to respond to the emergent needs of economic regeneration of the rural areas. In order, therefore, to serve the economy in general and the rural sector in particular, the All India Rural Credit Survey Committee recommended the creation of a state-partnered and state-sponsored bank by taking over the Imperial Bank of India, and integrating with it, the former state-owned or state-associate banks. An act was accordingly passed in Parliament in May 1955 and the State Bank of India was constituted on 1 July 1955. The State Bank of India was thus born with a new sense of social purpose. The State Bank of India was destined to act as the pacesetter in this respect and lead the Indian banking system into the exciting field of national development.
State Bank of India is an Indian multinational, public sector banking and financial services statutory body. For SBI, the interests of the common man have always remained at the core of its business. The Bank has a strong portfolio of distinctive products & services, and leverages technology to deliver and manage them in a personalized and customer centric way. State Bank of India is actively involved since 1973 in non-profit activity called Community Services Banking. All its branches and administrative offices throughout the country sponsor and participate in large number of welfare activities and social causes. The bank’s business is more than banking because it touch the lives of people anywhere in many ways.
Business area of the company
SBI provides a wide range of products and services to individuals, commercial enterprises, large corporates, public bodies, and institutional customers through its various branches and outlets, joint ventures, subsidiaries, and associate companies. It has always been in the forefront to embrace changes without losing sight of its values such as Service, Transparency, Ethics, Politeness and Sustainability