State Bank of India Q2 FY27: PAT ₹15,144 Cr & Rev ₹89,541 Cr

1 Financial Results 🔴 High Importance Neutral 📄 PDF

Investor Takeaways

Reported Net Profit of ₹15144 Cr for the quarter ended 30.06.2026

Recorded Revenue of ₹89541 Cr during the same period

⚠️ No specific risks identified in this filing

Overall Tone: Neutral based on the numbers only.

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹89541 Cr	N/A
Net Profit	₹15144 Cr	N/A
EBITDA	N/A	N/A
EPS	N/A	N/A
OPM	N/A	N/A

What Changed

SBI made the audio recording of its post-earnings investor and analyst meeting available for the quarter ended 30.06.2026. The filing confirms revenue of ₹89541 Cr and net profit of ₹15144 Cr for the quarter. No additional financial metrics or operational commentary were included in the provided data. The announcement solely pertains to the accessibility of the recorded meeting and does not introduce new financial results beyond the confirmed revenue and profit figures.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
State Bank of India (SBIN)	10.44	N/A	N/A	8,89,093.09
HDFC Bank Limited (HDFCBANK)	15.5	14.3%	24.4%	11,81,607.38
ICICI Bank Limited (ICICIBANK)	15.47	N/A	N/A	8,92,242
Bajaj Finance Limited (BAJFINANCE)	30.94	18.65%	22.45%	5,66,842.01

SBI's P/E ratio of 10.44 is significantly lower than HDFC Bank (15.5) and ICICI Bank (15.47), indicating potentially lower market expectations or higher earnings relative to price. However, SBI's valuation appears compressed compared to peers on a P/E basis, though direct ROE and ROCE comparisons cannot be made due to missing data for SBI in the provided fundamentals.

Risks & Concerns

No specific risks identified in this filing

Quarterly Trend

[This section is omitted because quarterly trend data was not provided in the context. The provided quarterly trend table contains only "N/A" values for all quarters and metrics, and the instructions specify to omit the entire Quarterly Trend section if quarterly data is not available.]

2 Financial Results 🔴 High Importance Neutral 📄 PDF

Metric	Value
Revenue	₹46,992 Cr
Net Profit (PAT)	₹21,121 Cr

📢 Key Event
SBI reports Q1FY27 net profit of ₹21,121 crores, up 10.23% YoY

🔄 What Changed
Net profit up 10.23% YoY; operating profit up 9.77% YoY; gross NPA improved to 1.47%; CRAR rose to 15.67%

💡 Investor Takeaway
The bank delivered strong profit growth and asset quality improvement with healthy advance and deposit expansion.

State Bank of India reported Q1FY27 net profit of ₹21,121 crores, up 10.23% YoY, driven by 14.88% YoY growth in net interest income to ₹46,992 crores and 18.63% YoY advance growth to [amount not verified]trillion. Operating profit rose 9.77% YoY to ₹33,529 crores, while gross NPA ratio improved to 1.47% and CRAR reached 15.67%. The bank highlighted 18.15% domestic advance growth and 9.73% overall deposit expansion.

3 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
SBI Q1FY27 net profit up 10.23% YoY to ₹21,121 crores

🔄 What Changed
Net profit +10.23% YoY; Gross advances +18.63% YoY; Gross NPA ratio improved to 1.47% from 1.83%

🔮 What's Next
SBI projects continued focus on digital expansion and asset quality improvement

💡 Investor Takeaway
SBI delivered strong profitability and loan growth with improving asset quality, supporting shareholder value through sustainable growth.

SBI reported a 10.23% YoY increase in net profit to ₹21,121 crores for Q1FY27, driven by 18.63% YoY growth in gross advances to ₹50 trillion and a 9.73% YoY rise in deposits to ₹60 trillion. NIM expanded slightly to 3.00% domestically, while gross NPA ratio improved to 1.47% from 1.83% a year earlier. The bank emphasized sustained digital growth, with 98.8% of transactions now occurring through alternate channels.

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About State Bank of India (SBIN)

Financial Services · Banks · Listed on NSE

Market Cap: ₹8,89,093.09 Cr P/E: 10.4

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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