ScoreWhy is State Bank of India ?
1
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 09-Apr-25 and has generated 1.72% returns since then
- The stocks Bollinger Band and KST technical factors are also Bearish
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Public)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is St Bk of India for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
St Bk of India
-3.06%
-0.11
28.57%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
-8.02%
Net Profit Growth (5y)
49.80%
Advance to Deposit
71.41%
Capital Adequacy Ratio (Tier 1)
11.01%
Gross NPA (latest)
2.07%
Gross NPA (avg)
3.38%
Coverage Ratio (avg)
74.28%
Cost to Income (avg)
61.51%
Net Interest Margin (avg)
2.95%
Operating Profit to Assets (avg)
3.20%
ROA (avg)
0.81%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
1.52
PEG Ratio
0.53
Dividend Yield
1.85%
ROE (Latest)
16.76%
ROA (Latest)
1.16%
Net NPA to Book Value
4.91
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
PBT LESS OI(Q)
At Rs 11,598.99 cr has Grown at 964.78%
PAT(Q)
At Rs 16,891.44 cr has Grown at 84.3%
GROSS NPA(Q)
Lowest at 2.07%
INTEREST EARNED(Q)
Highest at Rs 117,426.63 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 76.58%
NET NPA(Q)
Lowest at 0.53%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 48.77 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for St Bk of India
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 11,598.99 cr has Grown at 964.78%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 16,891.44 cr has Grown at 84.3%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.07% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 117,426.63 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.53%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 76.58%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for St Bk of India
Non Operating Income - Quarterly
is 48.77 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
CAR - Quarterly
Lowest at 13.03%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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