State Bank of India Complete Financial Statements
12 Years of Data
2026 - 2015
In FY2026, State Bank of India (SBIN) reported revenue ₹181,079 Cr, net profit ₹20,508 Cr and EPS ₹21.28, with a net profit margin of 11.3% and ROE of 4.1%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Review State Bank of India P/E valuation to evaluate earnings-based valuation against sector peers.
Complete Financial Data Export
Profitability Ratios
Net Profit Margin
11.33%
2026 data
EBITDA Margin
14.40%
2026 data
Operating Margin
43.00%
2026 data
Return on Assets
0.28%
2026 data
Return on Equity
4.06%
2026 data
Balance Sheet Ratios
Current Ratio
0.12
2026 data
Equity Ratio
6.91%
2026 data
Asset Turnover
0.02
2026 data
SBIN Revenue, Net Profit & EBITDA — Year-on-Year Growth
SBIN YoY (Mar 2025 vs Mar 2026) — revenue +0.8%, net profit +0.6%, EBITDA -3.1%, expenses +0.8%. Explore State Bank of India intrinsic worth to estimate fundamental worth using multiple valuation models.
Revenue Growth
+0.8%
Year-over-Year
Net Profit Growth
+0.6%
Year-over-Year
EBITDA Growth
-3.1%
Year-over-Year
Expense Growth
+0.8%
Year-over-Year
Assets Growth
+8.6%
Year-over-Year
Equity Growth
+17.3%
Year-over-Year
Operating Cash Flow Growth
+124.1%
Year-over-Year
Investing Cash Flow Growth
+2.6%
Year-over-Year
Financing Cash Flow Growth
-38.8%
Year-over-Year
SBIN Income Statement — Revenue, EBITDA & Net Profit
State Bank of India revenue ₹181,079 Cr, EBITDA ₹26,076 Cr, net profit ₹20,508 Cr, EPS ₹21.28 (2026) — net profit margin 11.3%. For live price, earnings ratios and company overview, see State Bank of India stock price NSE.
Periods
₹ Crores
| Particulars | Mar 2026 | Sept 2025 | Mar 2025 | Jun 2025 | Dec 2025 | Sept 2024 | Mar 2024 | Jun 2024 | Dec 2024 | Sept 2023 | Mar 2023 | Jun 2023 | Dec 2023 | Sept 2022 | Mar 2022 | Jun 2022 | Dec 2022 | Sept 2021 | Mar 2021 | Jun 2021 | Dec 2021 | Sept 2020 | Mar 2020 | Jun 2020 | Dec 2020 | Sept 2019 | Mar 2019 | Jun 2019 | Dec 2019 | Sept 2018 | Mar 2018 | Jun 2018 | Dec 2018 | Sept 2017 | Mar 2017 | Jun 2017 | Dec 2017 | Sept 2016 | Mar 2016 | Jun 2016 | Dec 2016 | Sept 2015 | Mar 2015 | Jun 2015 | Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 181,079 | 178,924 | 179,562 | 166,992 | 185,648 | 163,803 | 164,914 | 152,125 | 167,854 | 144,256 | 136,852 | 132,333 | 153,071 | 114,783 | 108,035 | 94,524 | 127,219 | 101,143 | 103,431 | 93,267 | 104,528 | 95,374 | 96,809 | 89,352 | 97,182 | 92,539 | 91,535 | 83,278 | 95,384 | 79,769 | 81,576 | 74,994 | 84,390 | 79,985 | 80,770 | 70,777 | 74,191 | 72,918 | 75,956 | 69,415 | 75,537 | 66,829 | 70,965 | 63,165 | 67,511 |
| Expenses | 75,050 | 72,265 | 74,439 | 59,496 | 76,799 | 62,709 | 65,419 | 53,997 | 64,890 | 59,365 | 59,965 | 49,080 | 69,735 | 49,208 | 54,233 | 42,328 | 56,498 | 50,094 | 55,381 | 44,698 | 52,015 | 49,044 | 50,113 | 41,838 | 50,270 | 46,399 | 49,602 | 37,662 | 42,397 | 39,550 | 57,119 | 43,786 | 36,661 | 42,091 | 46,284 | 28,915 | 44,044 | 36,303 | 38,374 | 31,629 | 34,365 | 23,407 | 28,819 | 21,154 | 29,302 |
| EBITDA | 26,076 | 28,657 | 26,897 | 29,229 | 30,067 | 27,474 | 28,852 | 26,428 | 25,566 | 21,936 | 23,436 | 25,208 | 15,245 | 20,343 | 13,858 | 10,265 | 21,355 | 12,411 | 9,661 | 10,320 | 13,150 | 7,307 | 6,304 | 7,213 | 8,615 | 6,035 | 1,495 | 5,477 | 12,500 | 1,950 | -11,782 | -6,065 | 7,840 | 1,418 | -3,376 | 4,366 | -6,247 | -191 | 1,157 | 1,419 | 3,093 | 7,747 | 7,843 | 7,038 | 2,235 |
| Operating Profit Margin % | 43.00% | 44.00% | 41.00% | 53.00% | 41.00% | 48.00% | 44.00% | 54.00% | 48.00% | 45.00% | 39.00% | 52.00% | 38.00% | 42.00% | 27.00% | 45.00% | 38.00% | 31.00% | 19.00% | 35.00% | 29.00% | 30.00% | 24.00% | 40.00% | 28.00% | 31.00% | 25.00% | 43.00% | 40.00% | 36.00% | 2.00% | 28.00% | 44.00% | 26.00% | 24.00% | 49.00% | 23.00% | 36.00% | 33.00% | 44.00% | 40.00% | 57.00% | 47.00% | 61.00% | 47.00% |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 79,953 | 78,002 | 78,227 | 78,267 | 78,783 | 73,619 | 70,644 | 71,701 | 77,397 | 62,955 | 53,452 | 58,045 | 68,092 | 45,232 | 39,944 | 41,931 | 49,366 | 38,638 | 38,389 | 38,249 | 39,363 | 39,023 | 40,392 | 40,301 | 38,297 | 40,105 | 40,437 | 40,139 | 40,487 | 38,269 | 36,238 | 37,272 | 39,889 | 36,476 | 37,862 | 37,495 | 36,393 | 36,806 | 36,426 | 36,367 | 38,079 | 35,675 | 34,304 | 34,972 | 35,975 |
| Profit Before Tax | 26,076 | 28,657 | 26,897 | 29,229 | 30,067 | 27,474 | 28,852 | 26,428 | 25,566 | 21,936 | 23,436 | 25,208 | 15,245 | 20,343 | 13,858 | 10,265 | 21,355 | 12,411 | 9,661 | 10,320 | 13,150 | 7,307 | 6,304 | 7,213 | 8,615 | 6,035 | 1,495 | 5,477 | 12,500 | 1,950 | -11,782 | -6,065 | 7,840 | 1,418 | -3,376 | 4,366 | -6,247 | -191 | 1,157 | 1,419 | 3,093 | 7,747 | 7,843 | 7,038 | 2,235 |
| Tax | 5,568 | 6,796 | 6,517 | 7,108 | 7,891 | 6,909 | 6,649 | 6,333 | 6,083 | 5,288 | 4,667 | 6,113 | 3,646 | 5,046 | 3,667 | 2,469 | 5,467 | 3,070 | 3,166 | 2,617 | 3,202 | 1,796 | -969 | 1,945 | 2,002 | 2,391 | -59 | 2,187 | 5,568 | 1,135 | -4,450 | -2,091 | 2,885 | -641 | -59 | 1,174 | -4,579 | -169 | -304 | 483 | 787 | 2,556 | 2,785 | 2,123 | 782 |
| Net Profit | 20,508 | 21,861 | 20,380 | 22,121 | 22,176 | 20,565 | 22,203 | 20,094 | 19,484 | 16,648 | 18,769 | 19,094 | 11,599 | 15,297 | 10,191 | 7,796 | 15,888 | 9,342 | 6,495 | 7,703 | 9,948 | 5,511 | 7,274 | 5,268 | 6,614 | 3,644 | 1,554 | 3,290 | 6,932 | 815 | -7,332 | -3,974 | 4,955 | 2,058 | -3,318 | 3,192 | -1,667 | -22 | 1,460 | 936 | 2,306 | 5,191 | 5,057 | 4,916 | 1,452 |
| Earnings Per Share (₹) | 21.28 | 22.81 | 21.96 | 23.76 | 23.09 | 22.17 | 23.96 | 21.65 | 21.12 | 18.04 | 20.27 | 20.77 | 12.40 | 16.53 | 10.70 | 8.21 | 17.34 | 9.96 | 6.86 | 8.27 | 10.71 | 5.88 | 7.74 | 5.35 | 7.01 | 3.78 | 1.39 | 3.31 | 7.32 | 0.65 | -8.72 | -4.74 | 5.28 | 2.11 | -3.81 | 3.70 | -2.19 | 0.03 | 1.62 | 1.35 | 2.77 | 6.54 | 6.29 | 6.23 | 1.61 |
SBIN Balance Sheet — Assets, Liabilities & Shareholders' Equity
SBIN total assets ₹7,314,186 Cr, total equity ₹505,063 Cr, total liabilities ₹ Cr (2025) — ROE 4.1%.
Years
Annual Data
₹ Crores
| Particulars | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||||
| Total Assets | 7,314,186 | 6,733,779 | 5,954,419 | 5,360,884 | 4,845,619 | 4,197,493 | 3,888,467 | 3,616,433 | 3,445,122 | 3,073,483 | 2,700,110 |
| Current Assets | 799,954 | 780,703 | 716,326 | 742,512 | 700,958 | 551,319 | 490,679 | 417,723 | 464,146 | 378,485 | 297,933 |
| Fixed Assets | 47,716 | 46,072 | 45,880 | 41,033 | 41,600 | 39,608 | 39,941 | 42,035 | 51,189 | 15,415 | 12,924 |
| Capital Work in Progress | 41 | 43 | 66 | 28 | 116 | 470 | 762 | 925 | 695 | 786 | 400 |
| Investments | 2,205,601 | 2,110,548 | 1,913,108 | 1,776,490 | 1,595,100 | 1,228,284 | 1,119,248 | 1,183,794 | 1,027,281 | 807,375 | 695,692 |
| Other Assets | 5,060,827 | 4,577,117 | 3,995,365 | 3,543,334 | 3,208,802 | 2,929,130 | 2,728,516 | 2,389,679 | 2,365,957 | 2,249,908 | 1,991,094 |
| LIABILITIES | |||||||||||
| Total Liabilities | |||||||||||
| Current Liabilities | 6,556,274 | 6,036,728 | 5,361,459 | 4,853,372 | 4,434,319 | 3,866,072 | 3,594,826 | 3,326,200 | 3,163,211 | 2,805,048 | 2,467,176 |
| Non-Current Liabilities | |||||||||||
| SHAREHOLDERS' EQUITY | |||||||||||
| Total Equity | 505,063 | 430,557 | 371,768 | 316,796 | 285,188 | 259,004 | 240,533 | 234,937 | 223,673 | 186,860 | 166,885 |
| Share Capital | 893 | 893 | 893 | 893 | 893 | 893 | 893 | 893 | 797 | 776 | 747 |
| Reserves & Surplus | 486,144 | 414,047 | 358,039 | 304,696 | 274,669 | 250,168 | 233,603 | 229,430 | 216,395 | 179,816 | 160,641 |
SBIN Cash Flow Statement — Operating, Investing & Financing
State Bank of India operating cash flow ₹48,486 Cr, investing ₹-3,387 Cr, financing ₹-13,739 Cr, net cash flow ₹31,361 Cr (2025).
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 | March 2017 | March 2016 | March 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | 48,486 | 21,632 | -86,014 | 57,695 | 89,919 | 23,929 | 29,556 | -96,508 | 77,406 | 14,477 | 26,297 |
| Investing Activities | -3,387 | -3,476 | -966 | -2,652 | -3,670 | -555 | 220 | 13,053 | -4,572 | -2,747 | -3,424 |
| Financing Activities | -13,739 | -9,896 | 6,386 | -3,845 | 7,143 | 5,430 | 448 | 5,547 | -4,197 | 4,349 | -1,553 |
| Net Cash Flow | 31,361 | 8,260 | -80,593 | 51,198 | 93,392 | 28,803 | 30,223 | -77,908 | 68,638 | 16,078 | 21,320 |