State Bank of India

State Bank of India (SBIN) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Banks›Public Sector Bank

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Key metrics

Price as of 2026-09-02

Stock price
₹1020.90
Market cap
9,81,850 Cr
Stock P/E
10.9
P/B
1.60
Dividend yield
1.4%

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Share price

NSE closing price from historical market data.

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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income44,436 Cr44,776 Cr46,825 Cr46,542 Cr47,426 Cr47,257 Cr48,770 Cr47,462 Cr50,038 Cr51,807 Cr51,127 Cr53,993 Cr
Other income36,865 Cr40,203 Cr47,445 Cr33,883 Cr42,758 Cr43,200 Cr52,565 Cr41,263 Cr47,857 Cr55,059 Cr49,999 Cr43,821 Cr
Net operating income81,301 Cr84,980 Cr94,270 Cr80,424 Cr90,184 Cr90,457 Cr1,01,335 Cr88,725 Cr97,895 Cr1,06,866 Cr1,01,126 Cr97,814 Cr
Employee cost20,226 Cr20,776 Cr17,760 Cr16,847 Cr16,293 Cr17,668 Cr19,587 Cr18,491 Cr18,346 Cr18,024 Cr17,907 Cr19,219 Cr
Other expenses38,372 Cr40,414 Cr45,267 Cr32,742 Cr40,830 Cr45,225 Cr47,382 Cr35,742 Cr47,432 Cr53,226 Cr53,482 Cr39,964 Cr
Provisions & contingencies768 Cr1,445 Cr2,392 Cr4,408 Cr5,586 Cr1,998 Cr7,470 Cr5,264 Cr6,487 Cr5,548 Cr3,661 Cr5,748 Cr
Depreciation————————————
Profit before tax21,936 Cr15,245 Cr28,852 Cr26,428 Cr27,474 Cr25,566 Cr26,897 Cr29,229 Cr28,657 Cr30,067 Cr26,076 Cr32,884 Cr
Tax %25.3%26.0%24.7%25.5%26.4%25.0%25.9%26.0%25.0%27.2%22.7%25.3%
Net profit16,648 Cr11,598 Cr22,203 Cr20,094 Cr20,565 Cr19,484 Cr20,379 Cr22,121 Cr21,861 Cr22,176 Cr20,508 Cr25,121 Cr
EPS (₹)₹18.04₹12.40₹23.96₹21.65₹22.17₹21.12₹21.96₹23.76₹22.81₹23.09₹21.28₹26.12

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Standalone onlyMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income97,455 Cr1,08,728 Cr1,22,105 Cr1,33,778 Cr1,60,864 Cr1,79,452 Cr1,89,994 Cr1,99,928 CrSign in for TTM
Other income76,899 Cr92,377 Cr1,05,855 Cr1,17,000 Cr1,22,534 Cr1,55,386 Cr1,72,406 Cr1,94,684 CrSign in for TTM
Net operating income1,74,353 Cr2,01,105 Cr2,27,960 Cr2,50,779 Cr2,83,397 Cr3,34,839 Cr3,62,400 Cr3,94,612 CrSign in for TTM
Employee cost43,795 Cr48,851 Cr54,331 Cr54,027 Cr61,921 Cr76,571 Cr70,396 Cr72,768 CrSign in for TTM
Other expenses71,005 Cr82,931 Cr96,099 Cr1,12,918 Cr1,27,894 Cr1,52,223 Cr1,66,178 Cr1,89,882 CrSign in for TTM
Provisions & contingencies54,799 Cr44,789 Cr46,102 Cr26,677 Cr18,184 Cr7,705 Cr19,461 Cr20,960 CrSign in for TTM
Depreciation————————Sign in for TTM
Profit before tax5,220 Cr30,317 Cr32,796 Cr49,739 Cr75,399 Cr91,240 Cr1,06,365 Cr1,14,028 CrSign in for TTM
Tax %41.2%40.0%26.0%26.9%25.0%25.3%25.7%25.3%Sign in for TTM
Net profit3,351 Cr21,140 Cr23,888 Cr37,183 Cr57,750 Cr69,543 Cr80,523 Cr86,666 CrSign in for TTM
EPS (₹)₹2.58₹22.15₹25.11₹39.64₹62.35₹75.17₹86.91₹91.16Sign in for TTM
Dividend payout %——0.0%9.6%11.0%14.5%15.2%16.4%Sign in for TTM
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Trailing twelve months totals and margin rows

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Standalone onlyMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital892 Cr892 Cr892 Cr892 Cr892 Cr892 Cr892 Cr923 Cr
Reserves2,08,949 Cr2,26,405 Cr2,51,092 Cr2,81,318 Cr3,30,283 Cr3,86,491 Cr4,58,789 Cr5,60,787 Cr
Borrowings—————6,39,610 Cr6,10,857 Cr7,77,302 Cr
Other liabilities34,84,654 Cr39,70,195 Cr45,93,634 Cr50,78,673 Cr56,23,243 Cr57,06,786 Cr62,43,647 Cr69,82,557 Cr
Total liabilities36,80,914 Cr41,97,492 Cr48,45,619 Cr53,60,884 Cr59,54,418 Cr67,33,779 Cr73,14,185 Cr83,21,569 Cr
Fixed assets (net)—————44,708 Cr46,338 Cr57,152 Cr
CWIP————————
Investments—————21,10,548 Cr22,05,601 Cr23,59,502 Cr
Loans & advances—————37,84,273 Cr42,50,831 Cr49,78,013 Cr
Cash & bank—————2,25,356 Cr2,27,485 Cr2,68,682 Cr
Other assets36,80,914 Cr41,97,492 Cr48,45,619 Cr53,60,884 Cr59,54,418 Cr5,68,893 Cr5,83,931 Cr6,58,219 Cr
Total assets36,80,914 Cr41,97,492 Cr48,45,619 Cr53,60,884 Cr59,54,418 Cr67,33,779 Cr73,14,185 Cr83,21,569 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Standalone onlyMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity——89,919 Cr57,695 Cr-86,014 Cr21,632 Cr48,486 Cr38,097 Cr
Cash from investing——-3,736 Cr-3,619 Cr-4,041 Cr-4,252 Cr-5,635 Cr-691 Cr
Cash from financing——7,143 Cr-3,845 Cr6,386 Cr-9,896 Cr-13,739 Cr-3,427 Cr
Net cash flow——93,392 Cr51,198 Cr-80,593 Cr8,260 Cr31,361 Cr43,910 Cr
Free cash flow (OCF − Capex)——86,091 Cr54,644 Cr-90,685 Cr17,457 Cr42,849 Cr29,734 Cr

Ratios

Ratios as reported or derived per annual period.

MetricMar 2019Standalone onlyMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %76.8%84.2%74.9%73.0%80.1%5.9%6.3%5.8%
ROE %1.6%9.3%9.5%13.2%17.4%18.0%17.5%15.4%
Debtor days————————
Inventory days————————
Days payable————————
Cash conversion cycle————————
Debt / equity—————1.651.331.38
Current ratio————————
Net debt / EBITDA————————

Regulatory ratios (standalone basis)

RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.

MetricMar 2019Standalone onlyMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA1,72,750 Cr1,49,092 Cr1,26,389 Cr1,12,023 Cr90,928 Cr84,276 Cr76,880 Cr73,452 Cr
Gross NPA %7.5%6.2%5.0%4.0%2.8%2.2%1.8%1.5%
Net NPA65,895 Cr51,871 Cr36,810 Cr27,966 Cr21,467 Cr21,051 Cr19,667 Cr18,830 Cr
Net NPA %3.0%2.2%1.5%1.0%0.7%0.6%0.5%0.4%
CET1 %9.6%9.8%10.0%9.9%10.3%10.4%10.8%12.3%
Additional Tier 1 %1.0%1.2%1.4%1.5%1.8%1.6%1.3%1.0%
Capital adequacy %————————
NIM %————————
ROA %0.0%0.4%0.5%0.7%1.0%1.0%1.1%1.1%

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