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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
State Bank of India is an India-based banking and financial services provider. The Company is engaged in providing a wide range of products and services to individuals, commercial enterprises, corporates, public bodies and institutional customers. The Company has a digital…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, steadily growing business, fully valued.
SBI is scored on the bank / lender framework. It keeps a healthy 12.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 14%/yr and profit at 15%/yr. Book value itself has compounded 18%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.8%. In the latest quarter profit grew 22% versus the prior quarter.
At 11× earnings, the stock sits at the 74th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~-1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 9.99 | 8.3 | worse |
| P/B | 1.47 | 1.19 | worse |
| ROE | 13.75 | 13.72 | better |
| ROA | 1.07 | 1.09 | worse |
| NIM | 2.42 | 2.6 | worse |
| Net NPA | 0.39 | 0.41 | better |
| CASA | 39.46 | 39.04 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| Kotak Mahindra Bank | 22.2 | 2.5 | 11.0% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 14% CAGR over 3 years — steady double-digit compounder.
Net profit has risen every year — the hallmark of a compounder.
Operating margins have been stable around 16% — no major structural shift.
EPS has grown every year — each share earns more than the last, consistently. 13% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 0.4× PAT — reported profit isn't translating into cash, raising earnings quality questions. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (5% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 22% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 55.5% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.