State Bank of India
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from State Bank of India's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every ₹100 of net worth, ₹89 is tangible; the rest is goodwill and other intangibles, often from buying other companies. Less tangible than 93% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 83% of Financial Services companies in India.
Growth Efficiency Ratio
₹25Sales grew 41% in 3 years; of every extra ₹100 of sales, ₹25 became extra profit.
Higher than 54% of Financial Services companies in India.
Asset Productivity Ratio
+41% / +40%In 3 years sales changed by +41% while total assets changed by +40%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every ₹100 the company owns, ₹99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 81% of Financial Services companies in India.
Tangible Net Worth Ratio
89%Of every ₹100 of net worth, ₹89 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 93% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
State Bank of India owes ₹0.92 for every ₹1 it owns. Net profit rose 7% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
10.3Investors pay ₹10.3 for every ₹1 of State Bank of India's yearly profit, lower than 68% of Financial Services companies in India.
P/B ratio
1.42The share price is 1.42 times State Bank of India's book value per share, higher than 50% of Financial Services companies in India.
Market cap
₹884,847 CrThe total market value of all of State Bank of India's shares at today's price (share price × number of shares), larger than almost all Financial Services companies in India. PosiCap size class: Tito Cap.
Net worth (book value)
₹621,940 CrWhat State Bank of India would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
₹673.78Net worth divided by the number of shares. The share price of ₹958.60 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
15.2%State Bank of India earned 15.2% on its shareholders' money over the last year, higher than 75% of Financial Services companies in India.
Owes vs Owns
0.92×State Bank of India owes ₹0.92 for every ₹1 it owns (high), higher than 93% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
1.81%State Bank of India pays 1.81% of its share price as dividends a year, higher than 70% of dividend-paying Financial Services companies in India.
Revenue growth
+9%Revenue rose 9% in the year to Mar 2026, and grew 12% a year on average over 3 years.
Profit growth
+7%Net profit rose 7% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Profit margin
21.8%State Bank of India keeps ₹22 of every ₹100 of revenue as net profit.
Questions
What is State Bank of India's P/E ratio?
Investors pay ₹10.3 for every ₹1 of State Bank of India's yearly profit, lower than 68% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For State Bank of India: ₹884,847 Cr ÷ ₹621,940 Cr (30 Jun 2026) = 1.4.
What is State Bank of India's return on equity?
State Bank of India earned 15.2% on its shareholders' money over the last year, higher than 75% of Financial Services companies in India.
How much does State Bank of India owe compared with what it owns?
State Bank of India owes ₹0.92 for every ₹1 it owns (high), higher than 93% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does State Bank of India pay a dividend?
Yes. State Bank of India pays 1.81% of its share price as dividends a year, higher than 70% of dividend-paying Financial Services companies in India.
Is State Bank of India's revenue growing?
Revenue rose 9% in the year to Mar 2026, and grew 12% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.