SBI Stock Analysis: State Bank of India (SBI) has released its financial results for the fourth quarter of FY25, and the performance has brought attention to its stock. The SBI share price closed at ₹799.80 per share on May 2, 2025, marking a 1.41% increase on the day. The stock has gained more than 4% over the past month.

SBI Stock Analysis:
For the quarter ending on March 31, 2025, SBI reported a 10% decline in net profit compared to the previous year, with net profit standing at ₹18,642.59 crore, down from ₹20,698.35 crore in Q4FY24. Despite this, the bank’s Net Interest Income (NII) increased by 2.7% to ₹42,774.55 crore, indicating continued growth in its lending operations. However, the Net Interest Margin (NIM) for its domestic portfolio declined slightly by 32 basis points to 3.15%.

SBI’s operating profit rose by 8.83% to ₹31,286 crore in Q4FY25, signaling operational strength. On the downside, the loan loss provisions saw an increase of 20.35%, amounting to ₹3,964 crore, up from ₹3,294 crore last year.

Asset Quality Improves
One bright spot for SBI was the improvement in asset quality. The gross NPA ratio decreased to 1.82%, a 42-basis-point improvement from the previous year. The net NPA ratio also improved by 10 basis points to 0.47%, reflecting better management of non-performing assets.

What Analysts Say
According to Seema Srivastava, Senior Research Analyst at SMC Global Securities, SBI’s strong performance and improving asset quality make it an attractive long-term investment option. Additionally, Anshul Jain, Head of Research at Lakshmishree Investment and Securities, highlighted that the stock has broken out of a cup-and-handle pattern, and a pullback in prices may present a good buying opportunity.

SBI’s Q4 results show a mix of challenges and growth. Its solid fundamentals and improving asset quality make it a promising investment, particularly for long-term investors.

Disclaimer: The information provided in this article is for educational purposes only. The views and recommendations expressed are based on the opinions of individual analysts or broking firms and do not constitute financial advice. Please consult with a certified financial advisor before making any investment decisions. The author and the publication do not assume any responsibility for any financial losses incurred.

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