State Bank of India
NSE: SBIN BSE: 500112
₹1028.70
(1.03)%
Mon, 02 Feb 2026, 09:42 pm
Market Cap9946.45B
PE Ratio11.46
Dividend1.48
Finance
Regional Banks
24.5KAnalysis
dividend
- Dividends after 3 years are expected to be well covered by earnings (6.2x coverage).
- Unable to calculate sustainability of dividends as State Bank of India has not reported any payouts.
- Unable to evaluate State Bank of India's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate State Bank of India's dividend against the top 25% market benchmark as the company has not reported any payouts.
future
- State Bank of India's earnings are expected to grow significantly at over 20% yearly.
- State Bank of India's earnings growth is expected to exceed the India market average.
- State Bank of India's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- State Bank of India's earnings are expected to increase by more than the low risk growth rate in 3 years time.
- Performance (ROE) is expected to be above the current IN Banks industry average.
- An improvement in State Bank of India's performance (ROE) is expected over the next 3 years.
- State Bank of India's revenue growth is expected to exceed the India market average.
- State Bank of India's earnings are expected to decrease over the next year.
- State Bank of India's net income is expected to increase but not above the 50% threshold in 2 years time.
- State Bank of India is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- State Bank of India's revenue is expected to increase but not above the 50% threshold in 2 years time.
- State Bank of India's revenue is expected to grow by 15.7% yearly, however this is not considered high growth (20% yearly).
health
- State Bank of India's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
- State Bank of India's liabilities are made up of primarily low risk sources of funding.
- State Bank of India has an acceptable proportion of non-loan assets held.
- Loans at State Bank of India are broadly funded by customer deposits.
- State Bank of India has a high level of bad loans (greater than 2%).
management
- The tenure for the State Bank of India board of directors is about average.
- The tenure for the State Bank of India management team is about average.
misc
- State Bank of India has significant price volatility in the past 3 months.
past
- State Bank of India's 1-year earnings growth exceeds its 5-year average (731.1% vs -19.6%)
- State Bank of India's earnings growth has exceeded the IN Banks industry average in the past year (731.1% vs 21%).
- State Bank of India's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
- State Bank of India used its assets less efficiently than the IN Banks industry average last year based on Return on Assets.
- State Bank of India has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- State Bank of India is good value based on expected growth next year.
- State Bank of India is good value based on earnings compared to the IN Banks industry average.
- State Bank of India is good value based on earnings compared to the India market.
- State Bank of India's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- State Bank of India's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- State Bank of India is overvalued based on assets compared to the IN Banks industry average.
- SBIN underperformed the Banks industry which returned -37.5% over the past year.
- SBIN underperformed the Market in India which returned -14.5% over the past year.
- NSEI:SBIN is up 3.9% underperforming the Banks industry which returned 7.6% over the past month.
- NSEI:SBIN is up 3.9% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800