Here is a data-driven look at State Bank of India (SBIN), covering financial performance, valuation, and shareholding trends.
SBI Revenue Trend
State Bank of India managed to grow its top line 11.6% in FY2025, with revenue hitting ₹6,63,343 Cr.
A 9.9% CAGR over 10 years is middle-of-the-road. State Bank of India's top line moved from ₹2,57,289 Cr to ₹6,63,343 Cr in that period.
State Bank of India's ₹6,63,343 Cr revenue base puts it in the major bracket among banks companies in India.
The consistency stands out: 10 consecutive years of growth in top-line revenue.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹6,63,343 Cr | +11.6% |
| FY2024 | ₹5,94,574 Cr | +25.6% |
| FY2023 | ₹4,73,378 Cr | +16.3% |
| FY2022 | ₹4,06,973 Cr | +5.6% |
| FY2021 | ₹3,85,337 Cr | — |
View State Bank of India's full 10-year revenue trend with CAGR analysis →
Is SBI Undervalued
Under the P/E Ratio approach, State Bank of India's estimated fair value is ₹867 (10.6% downside).
State Bank of India shares are currently trading at ₹970.45.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹867 | 10.6% downside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for State Bank of India with detailed assumptions →
SBI Shareholding Pattern
The promoter stake has come down from 57.4% to 55.5%, which bears watching.
Foreign institutional investors (FIIs) held 11.4% as of March 2026, up from 9.3% a year ago.
DII ownership is at 26.2%, up from the 25.7% recorded a year ago.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 55.5% | 11.4% | 26.2% | 6.8% |
| Dec 2025 | 55.5% | 10.3% | 27.2% | 7.0% |
| Sep 2025 | 55.5% | 9.6% | 27.8% | 7.1% |
| Jun 2025 | 57.4% | 9.3% | 25.7% | 7.6% |
Track quarterly shareholding changes for State Bank of India →
SBI Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹73,141.85B at the end of FY2025, up 8.6% from ₹67,337.79B a year earlier.
Loans & Advances is the largest block at 58.1%, followed by Investments at 30.2% and Other Assets at 6.8%.
Deposits make up 74.4% of liabilities and equity, with Borrowings at 8.4%, Equity at 6.9%, and Other Liabilities at 10.4%. Over the year, deposits are up 9.5% and equity is up 17.3%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 3,579.33B |
| Loans & Advances | 42,508.31B |
| Investments | 22,056.01B |
| Other Assets | 4,998.21B |
| Category | Value |
|---|---|
| Equity | 5,050.63B |
| Deposits | 54,398.98B |
| Borrowings | 6,108.57B |
| Other Liabilities | 7,583.67B |
SBI — The Bottom Line
What should investors take away from State Bank of India's (SBIN) latest numbers? Here's the summary.
Revenue of ₹6,63,343 Cr in FY2025, up 11.6% year-over-year.
Long-term revenue has been compounding at 9.9% annually over 10 years.
The company is profitable, with a net margin of 11.7% and net income of ₹77,561 Cr.
The P/B Ratio model implies 10.6% downside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
For the complete 10-year financial history with interactive charts and growth analysis, explore State Bank of India's detailed profile on Craytheon.