SBI Q1 FY27 Share Price & Earnings Call Analysis

Financials of SBI

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of SBI

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +98,083101,460107,391112,868117,469118,242121,045124,654126,840125,729128,040130,386131,080
Interest53,45158,04562,95568,09270,64471,70173,61977,39778,22778,26678,00278,78379,953
Expenses +59,96549,08059,36562,63565,41853,99662,70964,89074,43859,49672,26576,79975,050
Financing Profit-15,334-5,665-14,930-17,858-18,593-7,455-15,283-17,634-25,825-12,034-22,227-25,196-23,923
Financing Margin %-16%-6%-14%-16%-16%-6%-13%-14%-20%-10%-17%-19%-18%
Other Income +38,76930,87336,86533,10347,44533,88342,75843,20052,72241,26350,88455,26249,999
Depreciation0000000000000
Profit before tax23,43625,20821,93615,24528,85226,42827,47425,56626,89729,22928,65730,06726,076
Tax %22%26%25%26%25%26%26%25%26%26%25%27%23%
Net Profit +18,76919,09416,64811,59822,20320,09420,56519,48420,37922,12121,86122,17620,508
EPS in Rs20.2720.7718.0412.4023.9621.6522.1721.1221.9623.7622.9023.0921.28
Gross NPA %2.53%2.13%
Net NPA %0.63%0.52%

Financials of SBI

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +207,974220,633230,447228,970253,322269,852278,115289,973350,845439,189490,313514,933
Interest133,179143,047149,115146,603155,867161,124156,010156,194189,981259,736300,943315,005
Expenses +96,675109,985145,666169,065166,104172,909192,821197,349204,303239,750252,043282,601
Financing Profit-21,879-32,399-64,334-86,697-68,649-64,181-70,715-63,570-43,439-60,297-62,674-82,673
Financing Margin %-11%-15%-28%-38%-27%-24%-25%-22%-12%-14%-13%-16%
Other Income +49,31552,82868,19377,55777,36598,159107,222117,000122,534155,386173,031201,531
Depreciation1,5812,2522,9153,1053,4963,6623,7113,6913,6963,8493,9914,830
Profit before tax25,85518,177945-12,2455,22030,31732,79649,73975,39991,240106,365114,028
Tax %32%30%141%-66%41%40%26%27%25%25%26%25%
Net Profit +17,83213,019-97-3,7493,35121,14023,88837,18357,75069,54380,52386,666
EPS in Rs22.7615.750.30-5.112.5822.1525.1139.6462.3575.1786.9190.24
Dividend Payout %15%17%859%0%0%0%16%18%18%18%18%19%

Financials of SBI

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital747776797892892892892892892892892923
Reserves160,641179,816216,395229,429233,603250,168274,669304,696358,039414,047486,144595,208
Deposits2,052,9612,253,8582,599,8112,722,1782,940,5413,274,1613,715,3314,087,4114,468,5364,966,5375,439,8986,043,097
Borrowing244,663361,399336,366369,079413,748332,901433,796449,160521,152639,610610,857777,302
Other Liabilities +240,149276,472288,391294,860299,676339,364420,926518,719605,796712,669775,938904,646
Total Liabilities2,699,1613,072,3213,441,7603,616,4393,888,4604,197,4864,845,6155,360,8785,954,4156,733,7567,313,7308,321,176
Fixed Assets +12,92415,41551,18942,03539,94139,60841,60041,03245,88046,07247,71659,772
CWIP4007866959257624701162866424178
Investments673,507807,3751,027,2811,183,7941,119,2701,228,2841,595,1001,776,4901,913,1082,110,5482,205,6012,359,502
Other Assets +2,012,3292,248,7462,362,5942,389,6852,728,4872,929,1233,208,7983,543,3283,995,3614,577,0935,060,3715,901,824
Total Assets2,699,1613,072,3213,441,7603,616,4393,888,4604,197,4864,845,6155,360,8785,954,4156,733,7567,313,7308,321,176

Financials of SBI

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +26,29714,47777,406-96,50829,55623,92989,91957,695-86,01421,63248,48638,097
Cash from Investing Activity +-3,424-2,747-4,57213,053220-555-3,670-2,652-966-3,476-3,387-691
Cash from Financing Activity +-1,5534,348-4,1965,5474485,4307,143-3,8456,386-9,896-13,739-3,427
Net Cash Flow21,32016,07868,638-77,90830,22328,80393,39251,198-80,5938,26031,36133,979
Free Cash Flow22,84810,70172,982-89,90626,55020,86486,09154,644-86,01417,45742,84929,734
CFO/OP30%22%93%-148%43%40%110%72%-47%27%35%32%

Financials of SBI

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11%7%0%-2%1%7%9%12%17%17%17%15%

Continue your research

What SBI's management said in earlier quarters

Others in Banks this season

  • Ujjivan Small (Q1 FY27)

    Loan book growth recorded approximately 29% year-on-year in Q1, indicating strong momentum. Key concall takeaways from Ujjivan Small Finance Bank Ltd's Q1 FY27…

  • Equitas Sma. Fin (Q1 FY27)

    6,784 crores, up 93% YoY, indicating strong sales momentum. Key concall takeaways from Equitas Sma. Fin's Q1 FY27 earnings call — and how it ranks against…

  • Kotak Mah. Bank (Q1 FY27)

    Operating profits grew 10% Y-o-Y; cost-to-assets ratio improved from 2.83% to 2.66%, indicating improved efficiency. Key concall takeaways from Kotak Mahindra…

  • Central Bank (Q1 FY27)

    New verticals like gold loan and SHG divisions will drive higher yields (~8%) and growth, especially with physical expansion in South India. Key concall…

Compare:vs HDFC Bankvs ICICI Bankvs Kotak Mah. Bank