OTCPK:SBKF.F

Stock Analysis Report

Executive Summary

State Bank of India provides various banking products and services to individuals, commercial enterprises, corporates, public bodies, and institutional customers in India and internationally.

Snowflake

Fundamentals

Adequate balance sheet with reasonable growth potential.

Risks

  • State Bank of India has significant price volatility in the past 3 months.

Similar Companies

Share Price & News

How has State Bank of India's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:SBKF.F

2.4%

US Banks

2.9%

US Market


1 Year Return

n/a

OTCPK:SBKF.F

-14.8%

US Banks

0.2%

US Market

No trading data on SBKF.F.

No trading data on SBKF.F.


Share holder returns

SBKF.FIndustryMarket
7 Day0%2.4%2.9%
30 Day-22.9%-6.3%-2.3%
90 Day-18.2%-2.1%3.1%
1 Yearn/a-12.4%-14.8%2.4%0.2%
3 Year7.6%6.7%41.7%32.0%41.7%32.4%
5 Year2.5%-0.7%52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

How volatile is State Bank of India's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is State Bank of India undervalued based on future cash flows and its price relative to the stock market?

26.11x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

State Bank of India's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

State Bank of India's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

State Bank of India is overvalued based on earnings compared to the US Banks industry average.

State Bank of India is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

State Bank of India is good value based on expected growth next year.


Price Based on Value of Assets

State Bank of India is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is State Bank of India expected to perform in the next 1 to 3 years based on estimates from 29 analysts?

28.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

State Bank of India's revenue is expected to grow by 10.8% yearly, however this is not considered high growth (20% yearly).

State Bank of India's earnings are expected to grow significantly at over 20% yearly.

State Bank of India's revenue growth is expected to exceed the United States of America market average.

State Bank of India's earnings growth is expected to exceed the United States of America market average.

State Bank of India's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

State Bank of India is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has State Bank of India performed over the past 5 years?

-52.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

State Bank of India's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

State Bank of India has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.

State Bank of India has become profitable in the last year making it difficult to compare the US Banks industry average.


Return on Equity

State Bank of India has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

State Bank of India used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if State Bank of India improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is State Bank of India's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

State Bank of India has an acceptable proportion of non-loan assets held.

Unable to establish if State Bank of India has a sufficient allowance for bad loans without relevant financial data.

State Bank of India's liabilities are made up of primarily low risk sources of funding.

State Bank of India's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at State Bank of India are broadly funded by customer deposits.

State Bank of India has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is State Bank of India's current dividend yield, its reliability and sustainability?

1.85%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Unable to evaluate State Bank of India's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate State Bank of India's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as State Bank of India has not reported any payouts.

Unable to verify if State Bank of India's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as State Bank of India has not reported any payouts.


Future Payout to Shareholders

Dividends after 3 years are expected to be thoroughly covered by earnings (7.1x coverage).


Next Steps

Management

What is the CEO of State Bank of India's salary, the management and board of directors tenure and is there insider trading?

2.1yrs

Average management tenure


CEO

State Bank of India has no CEO, or we have no data on them.


Management Age and Tenure

2.1yrs

Average Tenure

59yo

Average Age

The tenure for the State Bank of India management team is about average.


Board Age and Tenure

2.5yrs

Average Tenure

62yo

Average Age

The average tenure for the State Bank of India board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Chandan Sinha (62yo)

    Director

    • Tenure: 2.9yrs
    • Compensation: ₹830.00k
  • Arijit Basu (59yo)

    MD of Commercial Clients Group & IT and Director

    • Tenure: 0.0yrs
    • Compensation: ₹2.65m
  • Bommana Babu (58yo)

    Deputy MD & COO

    • Tenure: 0.0yrs
  • Dinesh Khara (58yo)

    MD of Global Banking & Subsidiaries and Director

    • Tenure: 3.0yrs
    • Compensation: ₹2.81m
  • Siddhartha Sengupta (60yo)

    Deputy Managing Director of International Banking Group

    • Tenure: 5.3yrs
  • Anshula Kant

    MD of Stressed Assets

    • Tenure: 0.0yrs
    • Compensation: ₹2.61m
  • Prashant Kumar

    Deputy MD of HR and Corporate Development Officer & CFO

    • Tenure: 0.9yrs
  • Sanjay Abhyankar

    VP of Compliance

    • Tenure: 3.0yrs
  • Mahindra Kumar

    Deputy GM

    • Tenure: 0.0yrs
  • D. Tambe

    Deputy MD & Chief Information Officer

    • Tenure: 0.0yrs

Board Members

  • Chandan Sinha (62yo)

    Director

    • Tenure: 2.9yrs
    • Compensation: ₹830.00k
  • Arijit Basu (59yo)

    MD of Commercial Clients Group & IT and Director

    • Tenure: 0.0yrs
    • Compensation: ₹2.65m
  • Sanjiv Malhotra (68yo)

    Independent Director

    • Tenure: 5.2yrs
    • Compensation: ₹935.00k
  • Basant Seth (67yo)

    Director

    • Tenure: 2.2yrs
    • Compensation: ₹960.00k
  • Parveen Gupta (59yo)

    MD of Retail & Digital Banking and Director

    • Tenure: 3.8yrs
    • Compensation: ₹2.99m
  • Bhaskar Pramanik (68yo)

    Director

    • Tenure: 2.2yrs
    • Compensation: ₹1.11m
  • Rajnish Kumar (61yo)

    Chairman of the Board

    • Tenure: 1.8yrs
    • Compensation: ₹2.95m
  • Dinesh Khara (58yo)

    MD of Global Banking & Subsidiaries and Director

    • Tenure: 3.0yrs
    • Compensation: ₹2.81m
  • Anshula Kant

    MD of Stressed Assets

    • Tenure: 0.0yrs
    • Compensation: ₹2.61m
  • Purnima Gupta (70yo)

    Part-Time Non-Official Director

    • Tenure: 1.5yrs
    • Compensation: ₹790.00k

Company Information

State Bank of India's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: State Bank of India
  • Ticker: SBKF.F
  • Exchange: OTCPK
  • Founded: 1806
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₹2.476t
  • Listing Market Cap: ₹34.652b
  • Shares outstanding: 8.92b
  • Website: https://www.sbi.co.in

Number of Employees


Location

  • State Bank of India
  • State Bank Bhavan
  • Corporate Centre
  • Mumbai
  • Maharashtra
  • 400021
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
500112BSE (Mumbai Stock Exchange)YesEquity SharesININRMar 1995
SBINNSEI (National Stock Exchange of India)YesEquity SharesININRMar 1995
SBKF.FOTCPK (Pink Sheets LLC)GDR-EACH REPR 10 EQT SHS INR1(REG S)USUSDOct 1996
SBIDLSE (London Stock Exchange)GDR-EACH REPR 10 EQT SHS INR1(REG S)GBUSDOct 1996
SIDDB (Deutsche Boerse AG)GDR-EACH REPR 10 EQT SHS INR1(REG S)DEEUROct 1996

Biography

State Bank of India provides various banking products and services to individuals, commercial enterprises, corporates, public bodies, and institutional customers in India and internationally. The company o ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 23:49
End of Day Share Price2019/08/13 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.