State Bank of India
SBIN · Banking · NSE
₹1,003
Current Market Price
Fair Value (P/B + Residual Income)
₹789
Discount to FV
-21.3%
Updated 54m ago
YieldIQ Score
43/100
Piotroski F-Score
4/9
Economic Moat
Moderate
Confidence
90%
ROE
15.9%
Debt/Equity
1.27
Cost of Equity
9.8%
Market Cap
₹9.26 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
7.1%
3-year revenue growth
Revenue CAGR (5Y)
11.0%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,002.7
Bear case
Discount -69.4%
Base case
Discount -27.0%
Bull case
Discount +4.7%
Ratio Trends
SBIN · last 7 annual periods
ROE
15.9%
ROCE
—
Operating Margin
—
Debt / Equity
1.27×
PE
9.2×
EV / EBITDA
—
Historical Financials
SBIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹236.1K Cr | ₹270.3K Cr | ₹323.6K Cr | ₹349.5K Cr | ₹381.7K Cr | +12.8% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹35.4K Cr | ₹55.6K Cr | ₹67.1K Cr | ₹77.6K Cr | ₹83.3K Cr | +23.9% |
| EPS (diluted) | ₹39.64 | ₹62.35 | ₹75.17 | — | — | +17.3% |
| CFO | ₹57.7K Cr | ₹-86.0K Cr | ₹21.6K Cr | ₹45.5K Cr | ₹38.1K Cr | -9.9% |
| CapEx | ₹-3305 Cr | ₹-4044 Cr | ₹-4175 Cr | ₹-5637 Cr | ₹-8363 Cr | — |
| FCF | ₹54.4K Cr | ₹-90.1K Cr | ₹17.5K Cr | ₹39.8K Cr | ₹29.7K Cr | -14.0% |
| Total Assets | ₹5360.9K Cr | ₹5954.4K Cr | ₹6733.8K Cr | ₹7314.2K Cr | ₹8321.6K Cr | +11.6% |
| Total Debt | ₹457.7K Cr | ₹522.1K Cr | ₹556.5K Cr | ₹618.1K Cr | ₹726.9K Cr | +12.3% |
| Shareholders' Equity | ₹305.6K Cr | ₹358.9K Cr | ₹414.9K Cr | ₹487.0K Cr | ₹596.1K Cr | +18.2% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
SBIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 ICICIBANK ICICI Bank | +20.5% | 65 | Near Fair Value | 14.9% | 16.0× |
 HDFCBANK HDFC Bank | +52.9% | 40 | Below Fair Value | 8.8% | 20.9× |
 AXISBANK Axis Bank | +63.2% | 40 | Below Fair Value | 12.3% | 13.7× |
 KOTAKBANK Kotak Mahindra Bank | +44.8% | 50 | Below Fair Value | 10.6% | 18.2× |
 BANKBARODA Bank of Baroda | +17.7% | 65 | Near Fair Value | 12.0% | 6.5× |
Click a ticker to view its fair-value analysis.
Dividend History
7 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹48.00/sh
Last payout
2025-05-16
₹15.90
Peak payout
₹15.90
Trailing yield
—
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. State Bank of India (SBIN.NS) trades at 1002.70 vs a model fair value of 789.31, a gap of -21.3%. Piotroski F-score: 4/9. Moat label: Mod...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of SBIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for SBIN →
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Head-to-head with peers
Compare SBIN side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse SBINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.