State Bank of India
Fundamental Score
State Bank of India Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of SBIN across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Return on Equity (17.20%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (41.25%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (12.71% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (36.29% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (36.29% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹115027.52 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (55.50%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Strong Institutional Confidence (FII+DII: 37.22%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 factors identified
Suboptimal ROCE (6.47%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 11.08)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.34x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for State Bank of India
About SBIN
Business Overview
State Bank of India provides banking products and services in India and internationally. It operates through the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. The company offers personal banking products and services, including current, savings, salary, and deposit accounts; home, personal, pension, auto, education, and gold loans, as well as loans against insurance policies, property, and securities; debit, business debit, prepaid, and green remit cards; overdrafts; mutual funds, insurance, equity trading, portfolio investment schemes, remittance services; digital lending; and mobile, internet, and digital banking services. It also provides corporate banking products and services comprising corporate accounts, working capital and project finance, deferred payment guarantees, corporate term loans, structured finance, dealer and channel financing, equipment leasing, loan syndication, construction equipment loans, financing Indian firms' overseas subsidiaries or JVs, and cash management, as well as trade and service products. In addition, the company offers NRI services, including accounts, investments, loans, and remittances; agricultural banking services; and international banking services. Further, it provides life and general insurance; estate planning services; merchant banking and advisory; securities broking; trusteeship service; factoring; payment solution; asset management; portfolio and investment management; credit cards; and custody and fund accounting services. State Bank of India was founded in 1806 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
SBIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of State Bank of India (SBIN)?
As of 29 Jan 2026, 10:37 am IST, State Bank of India (SBIN) is currently trading at ₹1066.20. The stock has a market capitalization of ₹8.98L (Cr).
Is SBIN share price Overvalued or Undervalued?
SBIN is currently trading at a P/E ratio of 11.42x, compared to the industry average of 8.20x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the State Bank of India share price?
Key factors influencing SBIN's price include its quarterly earnings growth (Sales Growth: 5.78%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is State Bank of India a good stock for long-term investment?
State Bank of India shows a 5-year Profit Growth of 36.29% and an ROE of 17.20%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 11.08 before investing.
How does State Bank of India compare with its industry peers?
State Bank of India competes with major peers in the Public Sector Bank. Investors should compare SBIN's P/E of 11.42x and ROE of 17.20% against the industry averages to determine its competitive standing.
What is the P/E ratio of SBIN and what does it mean?
SBIN has a P/E ratio of 11.42x compared to the industry average of 8.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹11 for every ₹1 of annual earnings.
How is SBIN performing according to Bull Run's analysis?
SBIN has a Bull Run fundamental score of 47.9/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does SBIN belong to?
SBIN operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting State Bank of India.
What is Return on Equity (ROE) and why is it important for SBIN?
SBIN has an ROE of 17.20%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently State Bank of India generates profits from shareholders' equity.
How is SBIN's debt-to-equity ratio and what does it indicate?
SBIN has a debt-to-equity ratio of 11.08, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is SBIN's dividend yield and is it a good dividend stock?
SBIN offers a dividend yield of 1.63%, which means you receive ₹1.63 annual dividend for every ₹100 invested.
How has SBIN grown over the past 5 years?
SBIN has achieved 5-year growth rates of: Sales Growth 12.71%, Profit Growth 36.29%, and EPS Growth 36.29%.
What is the promoter holding in SBIN and why does it matter?
Promoters hold 55.50% of SBIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SBIN's market capitalization category?
SBIN has a market capitalization of ₹897727 crores, placing it in the Large-cap category.
How volatile is SBIN stock?
SBIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SBIN?
SBIN has a 52-week high of ₹N/A and low of ₹N/A.
What is SBIN's operating profit margin trend?
SBIN has a 5-year average Operating Profit Margin (OPM) of 41.25%, indicating the company's operational efficiency.
How is SBIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 5.78% and YoY Profit Growth of -4.25%.
What is the institutional holding pattern in SBIN?
SBIN has FII holding of 9.57% and DII holding of 27.65%. Significant institutional holding often suggests professional confidence in the stock.