State Bank of India
SBIN · NSEValuation
Blended fair value using DCF and peer comparison methods.
DCF discounts future cash flows to present value. Peer methods compare against sector multiples. Averaging both reduces the limitations of each method alone.
The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.
Peer comparison
How this company stacks up against sector peers on valuation and quality metrics.
Public sector bank · 8 peers · sector medians shown
| Company | Mkt Cap | P/E | P/B | EV/EBITDA | ROE | Net Margin | Rev CAGR 3y |
|---|---|---|---|---|---|---|---|
State Bank of India SBIN · you | ₹9.5 L Cr | 11.2× | 1.6× | — | 14.0% | — | — |
| Sector median | — | 8.8× | 1.4× | — | 14.6% | — | — |
| Bank of India BANKINDIA | ₹9.3 L Cr | 10.8× | 1.5× | — | 14.0% | — | — |
| Bank of Baroda BANKBARODA | ₹1.4 L Cr | 6.8× | 0.8× | — | 12.0% | — | — |
| Union Bank of India UNIONBANK | ₹1.3 L Cr | 6.7× | — | — | — | — | — |
| Canara Bank CANBK | ₹1.2 L Cr | 6.1× | 1.0× | — | 15.2% | — | — |
| Indian Bank INDIANB | ₹1.2 L Cr | 9.7× | 1.4× | — | 14.6% | — | — |
| IDBI Bank IDBI | ₹81,213 Cr | 8.8× | 1.2× | — | 13.4% | — | — |
| Bank of Maharashtra MAHABANK | ₹64,617 Cr | 8.7× | 1.8× | — | 21.1% | — | — |
| Indian Overseas Bank IOB | ₹64,413 Cr | 11.6× | 1.7× | — | 14.6% | — | — |
State trades at a premium to sector peers on P/E (11.2× vs median 8.8×). The market is pricing in higher growth — worth verifying whether recent revenue trends support that expectation.
Business quality
Valuation
Returns
Growth
Efficiency
Liquidity & Solvency
Financial health
Piotroski F-Score, Altman Z-Score, and key solvency ratios.
Is the business financially healthy?
Two structured frameworks that go beyond a single number to assess financial strength.
Altman Z-Score
Predicts likelihood of financial distress. Note: Z-Score is less reliable for banks and NBFCs — use with caution.
Piotroski F-Score
Nine binary checks across profitability, leverage/liquidity, and operating efficiency. 7+ = financially strong; 4–6 = average; 0–3 = weak signals.
Full financial data
Charts and annual statements for income, balance sheet and cash flow.
Income trend
Revenue, profit and margin trends over time.
Revenue and net profit in ₹ Crores (left axis). Margins % on right axis.
Cash flow
Where cash comes from and where it goes.
Balance sheet
For banks: deposits are the primary liability, advances (loan book) are the primary asset. Debt/Equity ratios are structurally high for banks.
How the company is funded — equity is owners' money, debt is long-term borrowing, current liabilities are short-term obligations.