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State Bank of India (IN:SBIN)
:SBIN
Earnings Data
Report Date
May 15, 2026Before Open (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
16.87Last Year’s EPS
20.89Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong, broad-based operating performance (record net profit, double-digit credit growth, improved asset quality, robust capitalization and digital traction). Management reiterated conservative provisioning, controlled costs and clear guidance on NIM and ROA, while flagging market-driven treasury volatility, limited transmission to deposit costs, rapid gold-loan expansion and PSL pressures as items requiring monitoring. Overall, the positive operating momentum and balance-sheet strength materially outweigh the transitory and structural challenges discussed.Company Guidance
Record Quarterly Profitability
Declared highest-ever quarterly net profit of INR 21,028 crore, up 24.49% year-on-year driven by higher operating profitability and contained credit costs.
Strong Operating Performance and NII Growth
Operating profit of INR 32,862 crore, up 39.54% YoY; net interest income INR 45,190 crore, up 9% YoY. Domestic NIM for the quarter at 3.12% and management guidance of ~3% exit/through-the-cycle NIM.
Robust Credit and Deposit Momentum
Credit growth of 15.14% YoY (as of Dec'25). Total deposits grew 9.02% YoY; CASA ratio at 39.3% with current account growth of 10.32% YoY. Domestic credit-deposit ratio improved to 72.98% (up ~404 bps YoY). Bank revised credit guidance to 13–15% for the current year.
Industry-Leading Asset Quality and Provision Coverage
Gross NPA at 1.57% (improved ~50 bps YoY), net NPA at 0.39% (improved ~14 bps YoY). Provision coverage ratio increased ~88 bps YoY to 75.54%, and reported credit costs were modest (~0.9%).
Strong Capitalization and Returns
Capital adequacy ratio improved ~101 bps YoY to 14.04% (comfortably above regulatory minima). Reported ROE of 20.68% and ROA consistently >1% for the quarter.
Digital & Subsidiary Traction
YONO ecosystem scale-up: ~9.65 crore registered customers and >3 crore registrations for the new YONO within ~1 month. Subsidiaries showing consistent performance; green portfolio reached ~INR 1 lakh crore. Management highlighted cross-sell (CVE) momentum and a CVE target of ~$1 billion.
Key One-off/Other Income Contributors Called Out
Q3 included notable other income items: special dividend from SBI Mutual Fund (~INR 2,200 crore) and interest on income tax refunds (~INR 769 crore), which materially supported non-interest income in the quarter.
IN:SBIN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
IN:SBIN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Nov 04, 2025 | ₹950.25 | ₹957.05 | +0.72% |
Aug 08, 2025 | ₹805.25 | ₹804.55 | -0.09% |
Feb 06, 2025 | ₹751.02 | ₹737.54 | -1.79% |
Nov 08, 2024 | ₹842.34 | ₹826.65 | -1.86% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does State Bank of India (IN:SBIN) report earnings?
State Bank of India (IN:SBIN) is schdueled to report earning on May 15, 2026, Before Open (Confirmed).
What is State Bank of India (IN:SBIN) earnings time?
State Bank of India (IN:SBIN) earnings time is at May 15, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of State Bank of India stock?
The P/E ratio of State Bank of India is N/A.
What is IN:SBIN EPS forecast?
IN:SBIN EPS forecast for the fiscal quarter 2026 (Q4) is 16.87.