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STOCKS

State Bank of India (IN:SBIN)

:SBIN

SBIN

State Bank of India

RESEARCH TOOLSreports

State Bank of India (SBIN) Ratios

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State Bank of India Ratios

IN:SBIN's free cash flow for Q2 2026 was ₹0.55. For the 2026 fiscal year, IN:SBIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.17. See a summary of the company’s cash flow.

Ratios	TTM	Mar 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	0.05	0.07	0.18	0.17	0.20
Quick Ratio	0.05	0.07	0.18	0.17	0.20
Cash Ratio	0.05	0.07	0.12	0.12	0.14
Solvency Ratio	0.01	0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	-0.03	<0.01	<0.01	-0.02	0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ -69.56T	₹ -64.51T	₹ -54.11T	₹ -48.02T	₹ -42.21T
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.08	0.08	0.09	0.09
Debt-to-Equity Ratio	1.16	1.25	1.34	1.45	1.50
Debt-to-Capital Ratio	0.54	0.56	0.57	0.59	0.60
Long-Term Debt-to-Capital Ratio	0.54	0.56	0.57	0.59	0.60
Financial Leverage Ratio	13.31	15.02	16.23	16.59	17.54
Debt Service Coverage Ratio	0.27	0.28	0.28	0.32	0.26
Interest Coverage Ratio	0.37	0.35	0.35	0.40	0.32
Debt to Market Cap	0.69	0.89	0.82	1.12	1.04
Interest Debt Per Share	1.08K	1.02K	914.62	797.88	687.86
Net Debt to EBITDA	3.27	2.29	-0.43	-0.19	-2.56
Profitability Margins
Gross Profit Margin	54.07%	53.73%	55.48%	58.73%	60.18%
EBIT Margin	16.67%	16.35%	15.64%	16.38%	12.68%
EBITDA Margin	16.67%	16.97%	16.30%	17.18%	13.62%
Operating Profit Margin	16.71%	16.35%	15.65%	16.39%	12.68%
Pretax Profit Margin	16.81%	16.58%	15.88%	16.64%	12.89%
Net Profit Margin	12.01%	11.92%	11.50%	12.09%	9.02%
Continuous Operations Profit Margin	12.46%	12.38%	11.92%	12.55%	9.48%
Net Income Per EBT	71.47%	71.90%	72.41%	72.66%	69.96%
EBT Per EBIT	100.56%	101.43%	101.51%	101.54%	101.63%
Return on Assets (ROA)	1.04%	1.06%	1.00%	0.93%	0.66%
Return on Equity (ROE)	15.11%	15.93%	16.17%	15.50%	11.58%
Return on Capital Employed (ROCE)	5.39%	5.67%	5.26%	5.17%	3.96%
Return on Invested Capital (ROIC)	4.00%	4.24%	3.95%	3.90%	2.91%
Return on Tangible Assets	1.04%	1.06%	1.00%	0.93%	0.66%
Earnings Yield	8.29%	11.26%	9.91%	11.91%	8.03%
Efficiency Ratios
Receivables Turnover	0.00	2.17	2.15	2.03	1.91
Payables Turnover	0.00	7.71	7.90	6.91	8.68
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	12.23	14.04	13.05	10.37	9.93
Asset Turnover	0.09	0.09	0.09	0.08	0.07
Working Capital Turnover Ratio	-0.27	-0.14	-0.15	-0.13	-0.12
Cash Conversion Cycle	0.00	120.58	123.41	126.73	149.26
Days of Sales Outstanding	0.00	167.92	169.58	179.56	191.30
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	47.34	46.18	52.82	42.04
Operating Cycle	0.00	167.92	169.58	179.56	191.30
Cash Flow Ratios
Operating Cash Flow Per Share	-175.40	54.33	24.24	-96.38	64.65
Free Cash Flow Per Share	-178.71	48.01	19.56	-100.91	60.94
CapEx Per Share	3.31	6.32	4.68	4.53	3.70
Free Cash Flow to Operating Cash Flow	1.02	0.88	0.81	1.05	0.94
Dividend Paid and CapEx Coverage Ratio	-9.39	2.71	1.52	-8.29	8.39
Capital Expenditure Coverage Ratio	-52.99	8.60	5.18	-21.27	17.46
Operating Cash Flow Coverage Ratio	-0.24	0.08	0.04	-0.16	0.13
Operating Cash Flow to Sales Ratio	-0.24	0.07	0.04	-0.19	0.15
Free Cash Flow Yield	-16.71%	6.22%	2.58%	-19.27%	12.35%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.06	8.88	10.09	8.40	12.45
Price-to-Sales (P/S) Ratio	1.45	1.06	1.16	1.02	1.12
Price-to-Book (P/B) Ratio	1.67	1.41	1.63	1.30	1.44
Price-to-Free Cash Flow (P/FCF) Ratio	-5.99	16.07	38.77	-5.19	8.10
Price-to-Operating Cash Flow Ratio	-6.10	14.20	31.28	-5.43	7.63
Price-to-Earnings Growth (PEG) Ratio	5.49	0.57	0.49	0.15	0.22
Price-to-Fair Value	1.67	1.41	1.63	1.30	1.44
Enterprise Value Multiple	11.96	8.53	6.69	5.72	5.68
Enterprise Value	13.59T	9.42T	6.36T	4.53T	3.04T
EV to EBITDA	11.96	8.53	6.69	5.72	5.68
EV to Sales	1.99	1.45	1.09	0.98	0.77
EV to Free Cash Flow	-8.24	21.98	36.41	-5.03	5.58
EV to Operating Cash Flow	-8.40	19.42	29.39	-5.26	5.26
Tangible Book Value Per Share	662.17	564.35	480.87	414.84	353.23
Shareholders’ Equity Per Share	641.36	545.74	464.95	402.18	342.41
Tax and Other Ratios
Effective Tax Rate	0.26	0.25	0.25	0.25	0.26
Revenue Per Share	738.68	728.87	653.66	515.78	439.55
Net Income Per Share	88.73	86.91	75.17	62.35	39.64
Tax Burden	0.71	0.72	0.72	0.73	0.70
Interest Burden	1.01	1.01	1.02	1.02	1.02
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.03	<0.01	<0.01	<0.01	<0.01
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	-1.59	0.46	0.24	-1.15	1.18

Currency in INR