State Bank of India (IN:SBIN)
:SBIN
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SBIN Stock Chart & Stats
₹1080.35
-₹7.60(-0.98%)
At close: 4:00 PM EST
₹1080.35
-₹7.60(-0.98%)
Day’s Range― - ―
52-Week Range₹781.50 - ₹1,234.80
Previous CloseN/A
Volume15.64M
Average Volume (3M)651.78K
Market Cap
₹9.26T
Enterprise Value₹12.66T
Total Cash (Recent Filing)₹4.14T
Total Debt (Recent Filing)₹6.50T
Price to Earnings (P/E)11.3
Beta0.85
Next Earnings
Aug 03, 2026EPS Estimate
18.32Next Dividend Ex-DateN/A
Dividend Yield1.64%
Share Statistics
EPS (TTM)89.74
Shares Outstanding9,230,617,000
10 Day Avg. Volume769,050
30 Day Avg. Volume651,781
Financial Highlights & Ratios
PEG Ratio2.20
Price to Book (P/B)1.50
Price to Sales (P/S)1.28
P/FCF Ratio5.77
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,210.00Price Target Upside12.00% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)89.75
Revenue Forecast (FY)₹2.69T
Bulls Say, Bears Say
Bulls Say
Market Position & DistributionIndia's largest commercial bank with a wide branch/ATM network and digital channels provides a durable deposit franchise and distribution scale. This supports stable low-cost deposits, broad cross-sell opportunities, and structural customer reach that sustain earnings through cycles.
Diversified Revenue MixA mix of net interest income, fee/commission income, treasury results, and subsidiary contributions reduces reliance on one revenue stream. Diversification smooths income across rate cycles, enhances fee stability, and strengthens long-term margins via cross-selling and product leverage.
Steady Revenue And ProfitabilityConsistent revenue growth from 2021–2026 with net margins around 11–12% and historically healthy ROE (~14–16%) signals a resilient core franchise. Stable profitability supports reinvestment in digital and branch capabilities and provides a buffer through credit cycles.
Bears Say
High And Rising LeverageMeaningful leverage with debt-to-equity above 1x and rising increases sensitivity to funding-cost moves and credit stress. Elevated leverage constrains capital flexibility, raises refinancing risk in adverse markets, and can exacerbate earnings volatility during downturns.
Volatile Cash GenerationOperating and free cash flow have been inconsistent—strong in some years, sharply negative in 2023, then recovering. Such volatility undermines predictability for provisioning, dividends, and capital allocation, complicating multi-quarter planning and stress resilience.
Pressure On Margins/spreadA declining gross profit margin since the 2022–2023 peak signals compression in spreads or fee economics. Combined with sensitivity to higher funding costs, margin erosion could weigh on ROE and limit room to absorb higher credit costs or fund growth without raising prices or cutting costs.
State Bank of India News
SBIN FAQ
What was State Bank of India’s price range in the past 12 months?
State Bank of India lowest stock price was ₹781.50 and its highest was ₹1234.80 in the past 12 months.
What is State Bank of India’s market cap?
State Bank of India’s market cap is ₹9.26T.
When is State Bank of India’s upcoming earnings report date?
State Bank of India’s upcoming earnings report date is Aug 03, 2026 which is in 54 days.
How were State Bank of India’s earnings last quarter?
State Bank of India released its earnings results on May 08, 2026. The company reported ₹21.32 earnings per share for the quarter, beating the consensus estimate of ₹20.258 by ₹1.062.
Is State Bank of India overvalued?
According to Wall Street analysts State Bank of India’s price is currently Undervalued.
Does State Bank of India pay dividends?
State Bank of India pays a Annually dividend of ₹17.35 which represents an annual dividend yield of 1.64%. See more information on State Bank of India dividends here
What is State Bank of India’s EPS estimate?
State Bank of India’s EPS estimate is 18.32.
How many shares outstanding does State Bank of India have?
State Bank of India has 9,230,617,000 shares outstanding.
What happened to State Bank of India’s price movement after its last earnings report?
State Bank of India reported an EPS of ₹21.32 in its last earnings report, beating expectations of ₹20.258. Following the earnings report the stock price went down -6.617%.
Which hedge fund is a major shareholder of State Bank of India?
Currently, no hedge funds are holding shares in IN:SBIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
State Bank of India
State Bank of India (SBI) delivers a comprehensive range of banking and financial solutions to a diverse clientele, including individuals, commercial entities, large corporations, governmental bodies, and institutional clients, both domestically in India and internationally. The bank's operations are divided into several key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, its Insurance Business division, and other related banking activities. For individual customers, SBI provides a comprehensive suite of personal banking offerings. These encompass various deposit accounts like current, savings, salary, fixed, recurring, flexi, and annual deposits. Lending solutions cover home, personal, auto, education, and gold loans, alongside financing secured by property or securities, and overdraft facilities. Additionally, the bank facilitates investments through mutual funds, insurance products, equity trading, and portfolio investment schemes, offers remittance services, and supports extensive mobile and digital banking platforms. Its corporate banking division caters to businesses with services such as specialized corporate accounts, working capital and project financing, deferred payment guarantees, and various corporate term loans. Structured finance solutions, dealer and channel financing, equipment leasing, loan syndication, and construction equipment loans are also available. The bank extends credit to Indian companies' international subsidiaries or joint ventures, provides cash management solutions, asset-backed loans, and a variety of trade and service-related products. Furthermore, SBI supports Non-Resident Indians (NRIs) with tailored accounts, deposits, remittance options, investment vehicles, and loan products. It provides agricultural banking and micro-credit specifically for agriculturists and farmers. Small and Medium Enterprises (SMEs) benefit from supply chain finance, deposit services, and transaction banking. The bank also engages in a broad range of international banking activities. Auxiliary services encompass treasury operations, broking, bill payment, and MICR services. The institution additionally offers merchant banking, advisory functions, securities brokerage, business and management consulting, trustee services, factoring, payment solutions, asset and investment management, credit card issuance, and custody and fund accounting. Moreover, it provides crucial support services and leverages a network of business correspondents. With a significant operational footprint as of March 31, 2022, the bank maintained 22,266 branches and 65,030 automated teller machines (ATMs). State Bank of India, established in 1806, has its principal office located in Mumbai, India.
SBIN Stock 12 Month Forecast
Average Price Target
₹1,210.00
▲(12.00% Upside)
Technical Analysis
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