State Bank of India
NSE: SBIN · Public Sector Bank
Snapshot
Unlock State Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
State Bank of India is a premier public sector banking institution providing a comprehensive suite of financial services to retail, corporate, and institutional clients. Its operations span traditional banking, treasury, insurance, and investment management services through an extensive domestic and international network.
Business Model
The bank generates revenue primarily through net interest income derived from the spread between interest earned on loans and interest paid on deposits. It also earns significant non-interest income through fee-based services, including merchant banking, asset management, insurance, and digital transaction processing.
- Branches:22,266
- ATMs:65,030
Growth Outlook
Growth is driven by the expansion of digital banking infrastructure and the deepening of credit penetration across retail and SME segments. The bank continues to leverage its massive branch network to capture market share in both urban and rural credit markets.
Key Risks
- Asset Quality Risk. Exposure to non-performing assets in corporate and agricultural loan portfolios could adversely impact profitability.
- Regulatory and Compliance Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and potential policy-driven mandates that may affect operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the valuation of the bank's extensive investment portfolio.
- Cybersecurity Risk. The rapid digitisation of banking services increases vulnerability to cyber threats and data breaches.
Price
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Key Metrics
NET PROFIT
₹85,168 Cr
TTM · consolidated
EPS
₹90.94
TTM · consolidated
P/E
11.3x
Q4 FY26 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
State Bank of IndiaSBIN | 9,60,445 | 11.34 | — | — | — | 13.9% | — | +24.0% |
Bank of BarodaBANKBARODA | 1,41,178 | 6.47 | — | 4.3% | — | 11.7% | — | -0.3% |
Union Bank of IndiaUNIONBANK | 1,33,282 | 6.63 | — | 1.7% | — | 11.4% | — | +13.8% |
Punjab National BankPNB | 1,23,778 | 5.91 | — | — | — | 13.7% | — | -8.5% |
Canara BankCANBK | 1,21,546 | 6.39 | — | 6.8% | — | 14.5% | — | +7.6% |
Indian BankINDIANB | 1,17,360 | 9.44 | — | 8.3% | — | 15.5% | — | +27.8% |
Financials
State Bank of India
NSE: SBIN · Public Sector Bank
Snapshot
Unlock State Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
State Bank of India is a premier public sector banking institution providing a comprehensive suite of financial services to retail, corporate, and institutional clients. Its operations span traditional banking, treasury, insurance, and investment management services through an extensive domestic and international network.
Business Model
The bank generates revenue primarily through net interest income derived from the spread between interest earned on loans and interest paid on deposits. It also earns significant non-interest income through fee-based services, including merchant banking, asset management, insurance, and digital transaction processing.
- Branches:22,266
- ATMs:65,030
Growth Outlook
Growth is driven by the expansion of digital banking infrastructure and the deepening of credit penetration across retail and SME segments. The bank continues to leverage its massive branch network to capture market share in both urban and rural credit markets.
Key Risks
- Asset Quality Risk. Exposure to non-performing assets in corporate and agricultural loan portfolios could adversely impact profitability.
- Regulatory and Compliance Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and potential policy-driven mandates that may affect operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the valuation of the bank's extensive investment portfolio.
- Cybersecurity Risk. The rapid digitisation of banking services increases vulnerability to cyber threats and data breaches.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on State Bank of India and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹85,168 Cr
TTM · consolidated
EPS
₹90.94
TTM · consolidated
P/E
11.3x
Q4 FY26 · consolidated
Peers · Public Sector Bank
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