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Market Price

2.74 

0.00 0.0%

as of Mar 22 '23

52 Week Range:

2.54 75.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

State Bank of India provides banking products and services to individuals, commercial enterprises, corporates, public bodies, and institutional customers in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, Insurance Business, and Other Banking Business segments. It offers personal banking products and services, including current accounts, savings accounts, salary accounts, fixed and recurring deposits, and flexi and annual deposits; home, personal, auto, education, and gold loans, as well as loans against property and securities; overdrafts; mutual funds, insurance, equity trading, portfolio investment schemes, remittance services; and mobile and digital banking services. The company also provides corporate banking products and services comprising corporate accounts, working capital and project finance, deferred payment guarantees, corporate term loans, structured finance, dealer and channel financing, equipment leasing, loan syndication, construction equipment loans, financing Indian firms' overseas subsidiaries or JVs, cash management, and asset-backed loans, as well as trade and service products. In addition, it offers NRI services, including accounts and deposits, remittances, investments, and loans; agricultural banking and micro-credit to agriculturists and farmers; supply chain finance, and deposits and transaction banking services for SME customers; and international banking services. Further, the company provides treasury, broking, bill payment, and MICR services; and merchant banking, advisory, securities broking, business & management consultancy, trustee business, factoring, payment, asset management, investment management, credit cards, and custody and fund accounting services. It also offers support and business correspondent services. As of March 31, 2022, the company operated 22,266 branches and 65,030 ATMs. State Bank of India was founded in 1806 and is headquartered in Mumbai, India.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Equity (BVPS) 18.19
25.69
22.34
31.79
31.13
39.47
31.84
33.36
33.45
35.56
39.97
growth rate 41.2% -13.0% 42.3% -2.1% 26.8% -19.3% 4.8% 0.3% 6.3% 12.4%
Earnings BIT 2,356.49
2,708.40
growth rate 14.9%
Avg.PE 8.83
8.24
8.98
6.02
6.02
46.54
47.59
47.59
47.59
47.59
47.59
growth rate -6.7% 9.0% -33.0% 0.0% 673.1% 2.3% 0.0% 0.0% 0.0% 0.0%
ROA 0.88
0.90
0.63
0.67
0.43
0.01
-0.13
0.06
0.49
0.50
0.69
growth rate 2.3% -30.0% 6.4% -35.8% -97.7% -100.0% 100.0% 716.7% 2.0% 38.0%
ROE 16.18
15.49
10.41
11.01
7.15
0.12
-2.04
0.99
8.14
8.51
12.17
growth rate -4.3% -32.8% 5.8% -35.1% -98.3% -100.0% 100.0% 722.2% 4.6% 43.0%
ROIC 110.34
107.87
26.87
growth rate -2.2% -75.1%
Leverage 17.23
17.06
16.26
16.73
16.45
15.86
15.70
16.58
16.72
17.58
17.54
growth rate -1.0% -4.7% 2.9% -1.7% -3.6% -1.0% 5.6% 0.8% 5.1% -0.2%
Balance Sheet Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Acct.Receivable 1,121,785.00
1,121,785.00
1,121,785.00
1,121,785.00
481,495.20
growth rate 0.0% 0.0% 0.0% -34.5%
Acct.Payable 16,274,026.00
18,388,523.57
20,529,607.89
22,538,575.64
25,998,106.62
27,221,782.82
29,405,410.61
32,741,606.25
37,153,312.42
40,874,106.01
growth rate 13.0% 11.6% 9.8% 15.4% 4.7% 8.0% 11.4% 13.5% 10.0%
Cur.Assets 1,692,546.00
1,998,841.38
2,635,348.28
3,017,846.31
3,788,473.27
3,366,939.98
4,175,283.41
4,819,177.59
5,910,172.22
6,542,289.22
growth rate 18.1% 31.8% 14.5% 25.5% -11.1% 24.0% 15.4% 22.6% 10.7%
Total Assets 232,404.43
21,331,086.00
23,964,953.02
27,001,100.25
30,734,831.48
34,451,215.60
36,164,445.65
38,884,641.96
41,974,923.44
48,456,185.47
53,608,835.29
growth rate 9,078.4% 12.4% 12.7% 13.8% 12.1% 5.0% 7.5% 8.0% 15.4% 10.6%
Cash 692,230.00
679,148.86
619,471.37
619,219.22
1,271,208.03
603,156.79
672,938.07
1,076,817.52
1,578,997.44
1,627,859.12
growth rate -1.9% -8.8% 0.0% 105.3% -52.6% 11.6% 60.0% 46.6% 3.1%
Inventory 296.00
258.62
241.74
522.09
342.00
304.15
236.58
145.45
104.96
115.23
growth rate -12.6% -6.5% 116.0% -34.5% -11.1% -22.2% -38.5% -27.8% 9.8%
Cur.Liabilities 16,861,287.00
18,857,547.38
21,435,205.32
23,446,837.10
26,829,341.35
28,055,884.37
30,004,424.06
33,166,569.80
37,484,625.62
41,413,239.57
growth rate 11.8% 13.7% 9.4% 14.4% 4.6% 7.0% 10.5% 13.0% 10.5%
Liabilities 218,913.22
20,038,217.00
22,442,156.15
25,332,253.64
28,866,233.78
32,214,487.65
33,815,073.74
36,479,315.44
39,384,883.98
45,604,310.70
50,440,880.62
growth rate 9,053.5% 12.0% 12.9% 14.0% 11.6% 5.0% 7.9% 8.0% 15.8% 10.6%
LT Debt 2,037,232.00
2,237,597.10
2,446,634.67
3,613,993.91
3,363,656.65
3,690,793.39
4,137,476.61
3,329,006.70
4,337,962.08
4,491,597.84
growth rate 9.8% 9.3% 47.7% -6.9% 9.7% 12.1% -19.5% 30.3% 3.5%
Equity 13,964.37
16,419.43
1,473,705.36
1,613,875.43
1,805,923.66
2,171,921.49
2,303,219.46
2,344,956.61
2,510,601.24
2,755,615.60
3,055,880.45
growth rate 17.6% 8,875.4% 9.5% 11.9% 20.3% 6.1% 1.8% 7.1% 9.8% 10.9%
Common Shares 635.00
671.00
695.00
747.00
767.00
780.00
8,924.59
8,924.61
8,924.61
8,924.61
8,924.61
growth rate 5.7% 3.6% 7.5% 2.7% 1.7% 1,044.2% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Capital Expenditures 297.15
35,800.00
31,785.18
34,522.94
37,756.12
44,237.06
30,055.10
30,055.10
30,650.11
39,098.25
33,052.60
growth rate 11,947.9% -11.2% 8.6% 9.4% 17.2% -32.1% 0.0% 2.0% 27.6% -15.5%
Cash Dividends 273.23
325.35
45,083.77
12,363.34
30,586.59
23,374.64
24,162.67
35,698.45
35,698.45
35,698.45
35,698.45
growth rate 19.1% 13,756.8% -72.6% 147.4% -23.6% 3.4% 47.7% 0.0% 0.0% 0.0%
Cash From OA 2,964.03
-1,923,080.68
-1,878,110.59
-1,864,200.97
-2,685,471.01
-2,178,997.52
-1,888,067.74
-3,096,910.33
-3,512,516.86
-3,143,845.13
growth rate -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF per Share 9.68
-7.06
3.66
3.26
7.49
1.92
10.87
-14.07
5.58
-3.48
26.42
growth rate -100.0% 100.0% -10.9% 129.8% -74.4% 466.2% -100.0% 100.0% -100.0% 100.0%
Sale Purchase of Stock 100,060.27
29,700.00
53,844.96
56,748.29
237,824.55
growth rate -70.3% 81.3% 5.4% 319.1%
FCF -324,539.00
205,178.00
163,983.00
429,506.00
103,011.00
729,823.00
-972,986.00
265,505.00
208,635.00
860,909.00
543,896.00
growth rate 100.0% -20.1% 161.9% -76.0% 608.5% -100.0% 100.0% -21.4% 312.6% -36.8%
Income Statement Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Sales 11,121.32
786,657.00
846,824.31
990,672.67
924,840.03
882,347.09
839,096.05
1,178,693.82
1,499,583.92
1,747,093.15
2,107,195.97
growth rate 6,973.4% 7.7% 17.0% -6.7% -4.6% -4.9% 40.5% 27.2% 16.5% 20.6%
Op.Income 2,010.34
185,547.00
213,136.93
258,430.25
181,768.31
9,448.27
-122,449.14
30,690.74
181,768.29
242,797.19
363,561.71
growth rate 9,129.6% 14.9% 21.3% -29.7% -94.8% -100.0% 100.0% 492.3% 33.6% 49.7%
IBT 216,314.27
261,574.67
184,526.47
12,381.11
-118,067.54
33,505.54
211,399.69
238,878.15
371,831.85
growth rate 20.9% -29.5% -93.3% -100.0% 100.0% 530.9% 13.0% 55.7%
Net Income 1,948.57
185,547.00
141,737.75
169,942.99
122,245.95
2,412.33
-45,562.90
22,996.39
197,678.02
224,054.58
353,738.80
growth rate 9,422.2% -23.6% 19.9% -28.1% -98.0% -100.0% 100.0% 759.6% 13.3% 57.9%
EPS 241.55
266.82
204.00
227.60
159.50
3.10
-53.40
25.80
221.50
251.10
396.40
growth rate 10.5% -23.5% 11.6% -29.9% -98.1% -100.0% 100.0% 758.5% 13.4% 57.9%
Gross Profit 786,657.00
846,824.31
990,672.67
924,840.03
882,347.09
839,096.05
1,178,693.82
1,499,583.92
1,747,093.15
2,107,195.97
growth rate 7.7% 17.0% -6.7% -4.6% -4.9% 40.5% 27.2% 16.5% 20.6%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Balance Sheet
Acct.Receivable 2,069,861.90
1,942,187.60
551,889.20
growth rate -3.1% -46.7%
Acct.Payable 37,567,638.10
38,447,681.50
38,827,998.80
40,874,106.01
40,813,099.10
growth rate 2.3% 1.0% 5.3% -0.2%
Cur.Assets 3,792,114.60
4,005,674.60
3,825,076.50
6,542,289.22
2,879,914.30
growth rate 5.6% -4.5% 71.0% -56.0%
Total Assets 48,805,948.60
50,339,143.50
51,775,457.80
53,608,835.29
53,976,503.10
growth rate 3.1% 2.9% 3.5% 0.7%
Cash 1,722,252.70
4,005,674.60
1,882,888.90
1,627,859.12
2,328,025.10
growth rate 132.6% -53.0% -13.5% 43.0%
Inventory 115.23
growth rate
Cur.Liabilities 37,567,638.10
38,447,681.50
38,827,998.80
41,413,239.57
40,813,099.10
growth rate 2.3% 1.0% 6.7% -1.5%
Liabilities 45,866,948.20
47,310,018.10
48,648,624.00
50,440,880.62
50,680,311.60
growth rate 3.2% 2.8% 3.7% 0.5%
LT Debt 4,160,196.20
4,380,559.00
5,188,068.90
4,491,597.84
5,045,936.60
growth rate 5.3% 18.4% -13.4% 12.3%
Equity 2,839,846.70
2,924,643.40
3,018,652.40
3,055,880.45
3,179,981.60
growth rate 3.0% 3.2% 1.2% 4.1%
Common Shares 8,924.60
8,924.60
8,924.60
8,924.61
8,924.60
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 445,076.10
618,896.70
577,231.40
465,991.77
478,306.60
growth rate 39.1% -6.7% -19.3% 2.6%
Op.Income 103,200.20
198,295.50
131,497.60
-69,431.59
102,651.10
growth rate 92.2% -33.7% -100.0% 100.0%
IBT 104,833.90
126,215.30
134,055.40
6,727.25
105,330.90
growth rate 20.4% 6.2% -95.0% 1,465.7%
Net Income 73,799.10
88,898.40
95,550.00
95,491.30
73,251.10
growth rate 20.5% 7.5% -0.1% -23.3%
EPS
growth rate
Gross Profit 445,076.10
618,896.70
577,231.40
465,991.77
478,306.60
growth rate 39.1% -6.7% -19.3% 2.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (71.20)

YOY Growth Grade:

D (46.03)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 23.80 0.94 19.69
EPS / Growth 2.92

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 22.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 22.3% 22.3% 22.3%
Future PE 19.69 29.38 29.38
Future EPS 21.90 21.90 21.90
Value Price
MOS %
106.57
3,789.3%
158.99
5,702.7%
158.99
5,702.7%
MOS Price 53.28 79.50 79.50
IRT 0.00 0.00 0.00

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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