State Bank of India
SBIN · Banking · NSE
₹1,112
Current Market Price
Fair Value (DCF)
₹631
Margin of Safety
-43.3%
Updated just now
YieldIQ Score
38/100
Piotroski F-Score
4/9
Economic Moat
Narrow
Confidence
75%
ROE
—
Debt/Equity
0.00
WACC
11.1%
Market Cap
₹10.26 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.05×
Revenue per ₹ of assets
Revenue CAGR (3Y)
14.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,111.85
Bear case
₹441.6
MoS -151.8%
Base case
₹630.86
MoS -76.2%
Bull case
₹820.11
MoS -35.6%
Ratio Trends
SBIN · last 7 annual periods
ROE
15.4%
ROCE
—
Operating Margin
—
Debt / Equity
1.22×
PE
9.2×
EV / EBITDA
—
Historical Financials
SBIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | ₹349.5K Cr | +0.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | — | — | ₹77.6K Cr | +0.0% |
| EPS (diluted) | ₹22.87 | ₹39.64 | ₹56.29 | ₹23.96 | — | +1.2% |
| CFO | — | — | — | — | ₹48.5K Cr | +0.0% |
| CapEx | — | — | — | — | ₹-5637 Cr | — |
| FCF | — | — | — | — | ₹42.8K Cr | +0.0% |
| Total Assets | — | ₹5360.9K Cr | ₹5954.4K Cr | ₹6733.8K Cr | ₹7314.2K Cr | +8.1% |
| Total Debt | — | — | — | — | ₹618.1K Cr | +0.0% |
| Shareholders' Equity | — | — | — | — | ₹505.1K Cr | +0.0% |
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 | -5.5% | 27 | Fairly valued | 15.5% | 18.9× |
| HDFCBANK HDFC Bank | -30.4% | 17 | Overvalued | 7.8% | 10.4× |
| AXISBANK Axis Bank | +29.9% | 56 | Undervalued | 14.9% | 12.2× |
| KOTAKBANK Kotak Mahindra Bank | +11.3% | 34 | Fairly valued | 14.1% | 3.9× |
| BANKBARODA Bank of Baroda | +25.0% | 59 | Undervalued | 14.0% | — |
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)
₹52.00/sh
Last payout
2025-05-16
₹15.90
Peak payout
₹15.90
Trailing yield
1.43%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. State Bank of India (SBIN.NS) trades at 1111.85 vs a model fair value of 630.86, a gap of -43.3%. Piotroski F-score: 4/9. Moat label: Nar...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
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 →
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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.