SBI Share Price & Analysis: Latest Results, Dividend, PE Ratio & 5-Year Performance
State Bank of India (SBI) Share Analysis: Latest Results, Financial Performance, Dividend, PE Ratio and Future Growth
State Bank of India (SBI) is India's largest commercial bank by assets, deposits, branches and employees. The bank is listed on both NSE and BSE under the stock symbol SBIN. SBI provides retail banking, corporate banking, agricultural banking, international banking, digital banking and various financial services.
This article covers SBI's latest quarterly results, revenue and profit performance, 5-year financial performance, dividend history, PE ratio, shareholding pattern, debt and liabilities, 52-week high and low, business overview and future growth factors.
Disclaimer: This article is for educational and informational purposes only and is not investment advice. Stock prices and valuation ratios can change daily.
1. SBI Latest Quarterly Results – Q1 FY2027
SBI announced its Q1 FY2027 results for the quarter ended June 30, 2026.
The bank reported a net profit of ₹21,121 crore, an increase of 10.23% year-on-year compared with ₹19,160 crore in Q1 FY2026.
| Particulars | Q1 FY26 | Q4 FY26 | Q1 FY27 | YoY Change |
|---|---|---|---|---|
| Interest Income | ₹1,17,830 Cr | ₹1,23,098 Cr | ₹1,27,896 Cr | +8.54% |
| Net Interest Income | ₹40,907 Cr | ₹44,380 Cr | ₹46,992 Cr | +14.88% |
| Operating Profit | ₹30,544 Cr | ₹27,704 Cr | ₹33,529 Cr | +9.77% |
| Net Profit | ₹19,160 Cr | ₹19,684 Cr | ₹21,121 Cr | +10.23% |
| Gross Advances | ₹42.55 Lakh Cr | ₹49.33 Lakh Cr | ₹50.47 Lakh Cr | +18.63% |
| Deposits | ₹54.73 Lakh Cr | ₹59.76 Lakh Cr | ₹60.06 Lakh Cr | +9.73% |
SBI's Q1 FY27 net interest income increased 14.88% year-on-year to ₹46,992 crore. Gross advances crossed ₹50 lakh crore, while deposits crossed ₹60 lakh crore.
2. SBI Revenue and Profit Comparison
For a bank, interest income, net interest income, operating profit and net profit are more useful measures than simply looking at conventional sales revenue.
SBI's FY2026 annual report shows that net profit increased to ₹80,032 crore, compared with ₹70,901 crore in FY2025. Net interest income increased to ₹1,73,120 crore from ₹1,66,340 crore.
FY2026 key figures
Net Profit: ₹80,032 crore
Net Interest Income: ₹1,73,120 crore
Operating Profit: ₹1,23,015 crore
Total Interest Income: ₹4,82,797 crore
Total Assets: ₹76.23 lakh crore
Net Loan Portfolio: ₹48.78 lakh crore
3. SBI 5-Year Financial Performance
SBI's official historical financial data shows strong growth in deposits, advances, net interest income and net profit over the five-year period. The latest annual report extends this trend through FY2026.
SBI Net Profit – 5-Year Trend
| Financial Year | Net Profit |
|---|---|
| FY2022 | ₹31,676 Cr |
| FY2023 | ₹50,232 Cr |
| FY2024 | ₹61,077 Cr |
| FY2025 | ₹70,901 Cr |
| FY2026 | ₹80,032 Cr |
SBI's net profit increased from ₹31,676 crore in FY2022 to ₹80,032 crore in FY2026.
SBI Net Interest Income
| Financial Year | Net Interest Income |
|---|---|
| FY2022 | ₹1,20,708 Cr |
| FY2023 | ₹1,44,841 Cr |
| FY2024 | ₹1,59,876 Cr |
| FY2025 | ₹1,66,965 Cr |
| FY2026 | ₹1,73,120 Cr |
4. SBI Dividend History
SBI has paid dividends in recent financial years.
| Year | Dividend Per Share |
|---|---|
| 2026 | ₹17.35 |
| 2025 | ₹15.90 |
| 2024 | ₹13.70 |
| 2023 | ₹11.30 |
| 2022 | ₹7.10 |
| 2021 | ₹4.00 |
| 2020 | Nil |
SBI's official investor FAQ lists these dividend payments.
The FY2026 dividend per share was ₹17.35, compared with ₹15.90 in FY2025.
5. SBI PE Ratio
As of the September 18, 2026 market close, SBI's PE ratio was reported around 10.65–11.40, depending on the data provider and calculation methodology.
For example, StockAnalysis reported:
Share price: ₹996.20
PE ratio: 10.65
EPS: ₹93.56
Price-to-book: approximately 1.68
Dividend: ₹17.35
Dividend yield: approximately 1.74%
Because PE can change with the market price and earnings calculation, readers should check the latest figure before making any investment decision.
6. SBI Shareholding Pattern
The Government of India remains SBI's largest shareholder.
As of March 31, 2025, the President of India held 56.92% of SBI's equity. Major institutional holdings included mutual funds and financial institutions.
SBI has subsequently published a newer shareholding pattern for June 30, 2026 on its investor-relations website.
Important shareholder categories
Government / President of India
Foreign Portfolio Investors
Mutual Funds
Insurance companies
Banks and financial institutions
Retail and other shareholders
For a finance blog, it is better to update this section every quarter because institutional ownership can change.
7. SBI Debt and Financial Liabilities
For banks, traditional corporate debt analysis is different from manufacturing companies. Deposits and borrowings are important funding sources, while loans and investments are major assets.
At March 2026, SBI's total assets were approximately ₹76.23 lakh crore, while its net loan portfolio stood at approximately ₹48.78 lakh crore. Deposits were around ₹59.76 lakh crore.
Therefore, when analysing SBI, investors should pay particular attention to:
Deposit growth
Loan/advance growth
CASA ratio
Net Interest Margin
Gross NPA
Net NPA
Capital adequacy
Credit cost
Provision coverage
These metrics provide more meaningful information about a bank's financial position than simply looking at total debt.
8. SBI 52-Week High and Low
As of September 18, 2026, SBI's reported 52-week range was approximately:
52-week high: ₹1,234.70
52-week low: ₹849.30
Share price: around ₹996.20
The exact figure can vary slightly between data providers because of data timing and adjustments.
This range should be updated whenever you publish a new version of the article.
9. SBI Business Overview
State Bank of India operates across several major banking and financial-service segments.
Major business areas
Retail Banking:
Home loans, personal loans, auto loans, education loans, gold loans, savings accounts and deposits.
Corporate Banking:
Loans and financial services for large corporations and businesses.
Agricultural Banking:
Agricultural loans and financial services for rural customers.
SME Banking:
Credit and banking services for small and medium-sized businesses.
International Banking:
SBI has an international presence serving customers and businesses outside India.
Digital Banking:
SBI's YONO platform supports digital banking and financial services.
SBI's Q1 FY27 results showed strong growth across agricultural, SME, retail personal and corporate advances.
10. SBI Future Growth Factors
Several factors could influence SBI's future financial performance.
1. Loan growth
SBI's gross advances grew 18.63% year-on-year in Q1 FY27 to ₹50.47 lakh crore.
2. Deposit growth
Deposits increased 9.73% year-on-year to approximately ₹60.06 lakh crore.
3. Retail and SME expansion
Retail personal advances increased 15.15%, while SME advances increased 22.33% in Q1 FY27.
4. Asset quality
SBI's gross NPA ratio improved to 1.47% and net NPA ratio to 0.38% in Q1 FY27.
5. Digital banking
More than 64% of savings-bank accounts were opened digitally through YONO during Q1 FY27, while alternate channels accounted for approximately 98.8% of total transactions.
6. Capital position
SBI's CRAR stood at 15.67% at the end of June 2026, according to the Q1 FY27 results.
11. SBI Annual Results
SBI's annual results have shown a substantial increase in profitability over recent years.
| Financial Year | Net Profit |
|---|---|
| FY2023 | ₹50,232 Cr |
| FY2024 | ₹61,077 Cr |
| FY2025 | ₹70,901 Cr |
| FY2026 | ₹80,032 Cr |
The FY2026 annual report states that net profit increased 12.88% year-on-year.
12. SBI Quarterly Results
SBI publishes quarterly financial results through its investor-relations section. The bank's website currently provides Q1 FY27 results as well as previous quarterly results for FY2026, FY2025 and earlier years.
For your blog, this section can be updated every quarter using the following format:
Q1 FY27: ₹21,121 crore net profit
Q4 FY26: ₹19,684 crore net profit
Q3 FY26: Update after publication
Q2 FY26: Update from official SBI results
This creates a useful evergreen SBI results page that can be updated after every quarterly announcement.
13. SBI Stock – Key Numbers at a Glance
| Metric | Latest Available |
|---|---|
| Stock | State Bank of India |
| NSE Symbol | SBIN |
| Q1 FY27 Net Profit | ₹21,121 Cr |
| Q1 FY27 NII | ₹46,992 Cr |
| FY2026 Net Profit | ₹80,032 Cr |
| FY2026 NII | ₹1,73,120 Cr |
| Q1 FY27 Gross NPA | 1.47% |
| Q1 FY27 Net NPA | 0.38% |
| Q1 FY27 CRAR | 15.67% |
| FY2026 Dividend/Share | ₹17.35 |
| 52-Week High | ₹1,234.70 |
| 52-Week Low | ₹849.30 |
| PE Ratio | ~10.65–11.40* |
*PE and market-price-related figures change with market movements and data-provider methodology.
Conclusion
State Bank of India has reported continued growth in profitability and lending. Its Q1 FY27 net profit reached ₹21,121 crore, while gross advances crossed ₹50 lakh crore and deposits crossed ₹60 lakh crore. Asset-quality indicators also improved, with the gross NPA ratio at 1.47% and net NPA ratio at 0.38%.
For readers analysing SBI, the key metrics to monitor each quarter include net profit, NII, NIM, loan growth, deposit growth, CASA ratio, GNPA, NNPA, credit cost, capital adequacy and dividend.
Investors should review the latest financial results, valuation and market conditions rather than relying on historical performance alone.
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