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
Positive results in Mar 26
- PBT LESS OI(Q) At Rs 7,517.92 cr has Grown at 1473.84%
- CREDIT DEPOSIT RATIO(HY) Highest at 81.63%
- GROSS NPA(Q) Lowest at 1.49%
5
With ROA of 1, it has a Expensive valuation with a 1.6 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 19.91%, its profits have risen by 8% ; the PEG ratio of the company is 2.7
6
High Institutional Holdings at 37.67%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Market Beating Performance
- Even though the market (BSE500) has generated negative returns of -1.52% in the last 1 year, the stock has been able to generate 19.91% returns
8
With its market cap of Rs 8,83,647 cr, it is the biggest company in the sector and constitutes 47.79% of the entire sector
- Its annual Sales of Rs 483,099.83 are 37.41% 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
19.84%
0.88
22.52%
Sensex
-7.92%
-0.61
13.09%
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
11
Price to Book Value
1.65
PEG Ratio
2.68
Dividend Yield
1.79%
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
Bearish
Bullish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PBT LESS OI(Q)
At Rs 7,517.92 cr has Grown at 1473.84%
CREDIT DEPOSIT RATIO(HY)
Highest at 81.63%
GROSS NPA(Q)
Lowest at 1.49%
INTEREST EARNED(Q)
Highest at Rs 123,097.67 cr
NET NPA(Q)
Lowest at 0.39%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 69.72 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for SBI
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 7,517.92 cr has Grown at 1473.84%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.49%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 81.63% 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 (%)
Interest Earned - Quarterly
Highest at Rs 123,097.67 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.39%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
CAR - Quarterly
Highest at 15.40%
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 69.72 % 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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