ScoreWhy is State Bank of India ?
1
Strong lending practices with low Gross NPA ratio of 1.49%
2
Strong Long Term Fundamental Strength with a 31.79% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 31.79%
4
The company has declared Positive results for the last 3 consecutive quarters
- GROSS NPA(Q) Lowest at 1.47%
- DPS(Y) Highest at Rs 17.35
- CREDIT DEPOSIT RATIO(HY) Highest at 83.12%
5
With ROA of 1, it has a Expensive valuation with a 1.9 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.15%, its profits have risen by 8% ; the PEG ratio of the company is 3
6
High Institutional Holdings at 37.47%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Consistent Returns over the last 3 years
- Along with generating 34.15% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to SBI should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is SBI for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
SBI
34.08%
1.47
23.28%
Sensex
-1.63%
-0.12
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
9.84%
Net Profit Growth (5y)
31.79%
Advance to Deposit
74.83%
Capital Adequacy Ratio (Tier 1)
12.17%
Gross NPA (latest)
1.49%
Gross NPA (avg)
2.46%
Coverage Ratio (avg)
75.05%
Cost to Income (avg)
52.92%
Net Interest Margin (avg)
2.97%
Operating Profit to Assets (avg)
3.66%
ROA (avg)
0.96%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
1.86
PEG Ratio
3.02
Dividend Yield
1.58%
ROE (Latest)
14.06%
ROA (Latest)
1.00%
Net NPA to Book Value
3.46
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
GROSS NPA(Q)
Lowest at 1.47%
DPS(Y)
Highest at Rs 17.35
CREDIT DEPOSIT RATIO(HY)
Highest at 83.12%
INTEREST EARNED(Q)
Highest at Rs 127,896.46 cr
NII(Q)
Highest at Rs 46,992.44 cr
PBDIT(Q)
Highest at Rs 17,606.49 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 13.77%
PBT LESS OI(Q)
Highest at Rs 12,559.72 cr.
PAT(Q)
Highest at Rs 21,121.22 cr.
EPS(Q)
Highest at Rs 22.88
NET NPA(Q)
Lowest at 0.38%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 55.90 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for SBI
Gross NPA - Quarterly
Lowest at 1.47% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 127,896.46 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 12,559.72 cr has Grown at 48.82%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 46,992.44 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 83.12% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend per Share (DPS) - Annually
Highest at Rs 17.35 and Grown
each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 17,606.49 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 13.77%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 12,559.72 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 21,121.22 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 22.88
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.38%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
CAR - Quarterly
Highest at 15.67%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for SBI
Non Operating Income - Quarterly
is 55.90 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
