SBL Samba Bank Limited

Samba Bank Limited (SBL) financial ratios

Samba Bank Limited earned a net margin of 9.5% in FY2025 against a five-year average of 7.1% (Commercial Banks median 22.2%). Return on equity was 4.0%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 9.5%; Sector median 22.2%
Return on equity (ROE): 4.0%; Sector median 17.0%
Return on assets (ROA): 0.4%; Sector median 1.2%
Debt to equity: 334.1%; Sector median 253.4%
Dividend payout ratio: 0.0%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

SBL financial ratios (annual) (Rs mn)
Rs mn	FY2025 Jan – Dec 2025	FY2024 Jan – Dec 2024	FY2023 Jan – Dec 2023	FY2022 Jan – Dec 2022	FY2021 Jan – Dec 2021	FY2020 Jan – Dec 2020	FY2019 Jan – Dec 2019	FY2018 Jan – Dec 2018	FY2017 Jan – Dec 2017	FY2016 Jan – Dec 2016	FY2015 Jan – Dec 2015	FY2014 Jan – Dec 2014	FY2013 Jan – Dec 2013	FY2012 Jan – Dec 2012	FY2011 Jan – Dec 2011	FY2010 Jan – Dec 2010	FY2009 Jan – Dec 2009	FY2008 Jan – Dec 2008	FY2007 Jan – Dec 2007	FY2006 Jan – Dec 2006
Profitability
Pre-tax margin	20.3%	17.3%	23.6%	(18.6%)	22.7%	33.2%	25.2%	32.0%	32.7%	29.3%	28.6%	21.1%	5.3%	11.1%	13.3%	—	(144.9%)	(132.1%)	—	—
Net margin	9.5%	7.8%	13.3%	(8.6%)	13.7%	20.1%	15.7%	19.7%	26.0%	17.2%	15.1%	11.2%	5.5%	20.3%	15.6%	—	(80.4%)	(96.9%)	—	—
Effective tax rate	53.3%	54.9%	43.7%	—	39.5%	39.4%	37.6%	38.5%	20.6%	41.2%	47.2%	46.8%	(3.2%)	(83.4%)	(17.7%)	—	—	—	—	—
Returns
Return on equity (ROE)	4.0%	4.2%	8.0%	(2.8%)	5.1%	6.9%	5.1%	5.4%	5.9%	4.5%	3.7%	2.1%	0.9%	3.6%	2.9%	(1.6%)	(9.5%)	(12.7%)	(34.0%)	(36.6%)
Return on assets (ROA)	0.4%	0.4%	0.7%	(0.2%)	0.4%	0.7%	0.5%	0.6%	0.7%	0.6%	0.7%	0.5%	0.2%	0.9%	0.8%	(0.4%)	(2.9%)	(4.0%)	(9.2%)	(6.6%)
Leverage
Debt to equity	334.1%	297.0%	234.8%	364.2%	630.1%	394.9%	260.2%	318.0%	369.0%	298.4%	234.9%	108.5%	67.8%	61.1%	104.1%	166.4%	45.5%	9.0%	20.0%	31.7%
Debt to capital	77.0%	74.8%	70.1%	78.5%	86.3%	79.8%	72.2%	76.1%	78.7%	74.9%	70.1%	52.0%	40.4%	37.9%	51.0%	62.5%	31.3%	8.3%	16.7%	24.1%
Debt to assets	30.4%	28.0%	21.5%	29.8%	49.8%	38.0%	28.5%	33.1%	39.7%	35.7%	34.7%	24.2%	17.2%	14.9%	27.2%	43.2%	13.6%	3.0%	6.0%	6.1%
Assets to equity	10.80×	10.75×	11.53×	12.44×	11.54×	9.78×	9.36×	9.45×	8.84×	7.58×	5.66×	4.24×	4.01×	3.96×	3.84×	3.62×	3.21×	3.18×	3.71×	5.54×
Dividends
Dividend payout ratio	0.0%	0.0%	0.0%	—	95.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—
Earnings retention rate	1.00×	1.00×	1.00×	—	0.04×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	—	—	—	—	—

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

SBL: frequently asked questions

What is SBL's EPS?

Samba Bank Limited reported basic earnings per share of Rs 0.72 for FY2025 (Jan – Dec 2025).

What is SBL's P/E ratio?

At the closing price of Rs 13.32 on 16 Oct 2026, SBL trades at a P/E of 18.5× based on EPS of Rs 0.72 (FY2025).

Does SBL pay dividends?

Samba Bank Limited did not declare a cash dividend for FY2025.

What was SBL's total income and profit in FY2025?

Samba Bank Limited reported total income of Rs 7.7 bn and profit attributable to shareholders of Rs 727.2 mn for FY2025 (Jan – Dec 2025).

What is SBL's book value per share?

Samba Bank Limited's book value per share was Rs 18.65 at the end of FY2025. The shares trade at 0.71× book value.

Information only, not investment advice.