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View Plans2-year trend showing revenue, gross profit, and net profit
State Bank of India's revenue grew 7.4% to 7,126.44B and net profit grew 7.4% to 832.99B YoY in FY2026, indicating moderate business momentum.
In FY 2026, State Bank of India's revenue grew by 7.4% year-over-year. Revenue = interest earned + other income. Gross Profit = revenue minus interest expenditure. Net Profit is the bottom line after all expenses, provisions, and taxes. Consistent growth across all three signals a healthy, expanding bank.
2-year trend showing profitability efficiency
State Bank of India's NIM of 2.9% in FY2026 indicates adequate interest spreads.
In FY 2026, State Bank of India reported a NIM of 2.91%. NIM = (Interest Earned - Interest Paid) / Average Earning Assets. For Indian banks, 2.5-4% is typically healthy. Higher NIM indicates better spread management between lending rates and deposit costs. Consistent or improving NIM suggests strong pricing power.
2-year trend showing asset quality
State Bank of India's net NPA ratio of 0.4% in FY2026 indicates strong asset quality with well-managed credit risk.
In FY 2026, State Bank of India reported a net NPA ratio of 0.39%. Net NPA Ratio = (Gross NPAs - Provisions) / Total Loans. Measures bad loans after provisions as a percentage of total loans. Below 2% is healthy for Indian banks; above 3-4% signals stress. A declining trend indicates improving asset quality and effective risk management.
2-year trend showing profitability efficiency
State Bank of India's ROA of 1.0% in FY2026 indicates efficient asset utilisation, with ROE at 13.5%.
In FY 2026, State Bank of India reported an ROA of 1.00% and an ROE of 13.5%. ROA = (Net Income / Total Assets) x 100; ROE = (Net Income / Equity) x 100. The gap between ROE and ROA reveals leverage impact. For Indian banks, ROA of 0.8-1.5% and ROE of 12-18% are healthy. ROA is the primary indicator as it cannot be inflated by leverage.
2-year trend showing liquidity and lending efficiency
State Bank of India's loan-to-deposit ratio of 82.4% in FY2026 indicates optimal balance between lending growth and liquidity.
In FY 2026, State Bank of India reported a loan-to-deposit ratio of 82.4%. LDR = (Total Loans / Total Deposits) x 100. Optimal range is 70-85% for Indian banks. Above 90% signals liquidity risk; below 65% suggests deposit underutilisation. A stable trend indicates balanced lending practices and adequate liquidity management.
2-year trend showing capital structure efficiency
State Bank of India's financial leverage of 13.5x in FY2026 indicates well-balanced capital structure within typical banking norms.
In FY 2026, State Bank of India reported a financial leverage ratio of 13.5x. Financial Leverage = Total Assets / Total Equity. Expressed as a multiple (e.g., 10x). For Indian banks, 10-15x is typical. Higher leverage amplifies returns but increases risk. Regulatory capital requirements set upper limits. Compare with peers for context.
2-year trend showing leverage and financial stability
State Bank of India's borrowings-to-networth ratio of 126.4% in FY2026 indicates acceptable borrowing levels for a bank.
In FY 2026, State Bank of India reported a borrowings-to-networth ratio of 126.4%. Borrowings/Networth = (Total Borrowings / Shareholders' Equity) x 100. Lower is better — indicates less reliance on debt. Banks naturally carry higher leverage than other industries. Consistent increases may signal aggressive growth or capital constraints. Compare with peer banks for context.
Year-over-year change in diluted shares outstanding
State Bank of India's diluted shares increased 2.4% YoY in FY2026 — share dilution.
Over 2 years (FY2025–FY2026), diluted shares increased 2.4% from 8.92B to 9.14B, indicating cumulative dilution.
In FY 2026, State Bank of India's diluted shares increased by 2.4% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2026