State Bank of India
SBIN · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹1,499.
Piotroski F-score 2/9 — quality of earnings & balance sheet.
Investability checklist
- ✓ROE above 15%15.5%
- –Low debt (D/E < 0.5)
- ✓Positive free cash flow
- ✕Revenue growth > 10%7%
- ✕Earnings growing-3%
- ✓Net margin ≥ 10%22.1%
- –Current ratio > 1.5
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✓Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 72/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (22.1%).
Weaknesses
- •Weak Piotroski score (2/9).
Opportunities
- •Trading in our value buy zone versus sector peers.
- •Trades ~84% below our estimated fair value.
Threats
- •Earnings contracting year on year.
About State Bank of India
State Bank of India provides banking products and services in India and internationally. The company operates through the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It 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 property, and securities; debit, business debit, prepaid, and gre
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.