ScoreWhy is State Bank of India ?
1
Strong lending practices with low Gross NPA ratio of 1.73%
2
Healthy long term growth as Net profit has grown by an annual rate of 36.98%
3
Flat results in Sep 25
- PBT LESS OI(Q) At Rs 6,585.26 cr has Fallen at -30.81%
- NON-OPERATING INCOME(Q) is 75.15 % of Profit Before Tax (PBT)
4
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 41.37%, its profits have risen by 1.3%
5
High Institutional Holdings at 37.53%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 41.37% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
7
With its market cap of Rs 9,82,599 cr, it is the biggest company in the sector and constitutes 47.32% of the entire sector
- Its annual Sales of Rs 474,742.62 are 37.25% of the industry
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
41.37%
2.35
17.61%
Sensex
7.18%
0.64
11.21%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.14%
Net Profit Growth (5y)
36.98%
Advance to Deposit
71.86%
Capital Adequacy Ratio (Tier 1)
11.58%
Gross NPA (latest)
1.73%
Gross NPA (avg)
2.97%
Coverage Ratio (avg)
74.98%
Cost to Income (avg)
53.22%
Net Interest Margin (avg)
2.93%
Operating Profit to Assets (avg)
3.63%
ROA (avg)
0.91%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Price to Book Value
1.90
PEG Ratio
NA
Dividend Yield
1.44%
ROE (Latest)
13.77%
ROA (Latest)
1.02%
Net NPA to Book Value
3.56
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
GROSS NPA(Q)
Lowest at 1.73%
NII(Q)
Highest at Rs 42,984.06 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 78.00%
PAT(Q)
Highest at Rs 20,159.67 cr.
EPS(Q)
Highest at Rs 21.84
NET NPA(Q)
Lowest at 0.42%
-4What is not working for the Company
PBT LESS OI(Q)
At Rs 6,585.26 cr has Fallen at -30.81%
NON-OPERATING INCOME(Q)
is 75.15 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for SBI
Gross NPA - Quarterly
Lowest at 1.73%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 42,984.06 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 20,159.67 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 21.84
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.42%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 78.00%
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 (%)
Here's what is not working for SBI
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 6,585.26 cr has Fallen at -30.81%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 75.15 % 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
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