State Bank of India
Valuation (92/100) does the heavy lifting; financial trend (37/100) is the drag.
Buy zoneStocksWizard rates State Bank of India a Buy, scoring 69/100 on our blended model. We put fair value near ₹1,320.78; at ₹1,013.7 that leaves roughly 30% upside, so the stock screens undervalued by 30%. On 11.4x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 16% below its 52-week high of ₹1,206.06 and 30% above the low of ₹779.94. Financial health scores 64/100, with a Piotroski F-score of 2/9. The average analyst target of ₹1,195.61 implies about 18% upside across 38 analysts. It clears 7 of 10 investability checks, with durability 72, valuation 83 and momentum 63 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹1,056.62.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-15.95% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy69Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 15.5%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: 7%
- Fail: Earnings growing: -3%
- Pass: Net margin ≥ 10%: 22.1%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter57.0%
- Institutions30.1%
- Public & other12.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (22.1%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~30% below our estimated fair value.
Bear case
Weaknesses
- Weak Piotroski score (2/9).
Threats
- Earnings contracting year on year.
About State Bank of India
State Bank of India operates banking services across Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments in India and internationally. The bank provides personal and corporate banking products including deposit and loan accounts, personal loans for home, auto, education and gold purchases, and debit and prepaid cards.
State Bank of India — frequently asked questions
Is State Bank of India a buy, hold or sell?
StocksWizard currently rates State Bank of India (SBIN) a Buy, based on a blended score of 69/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is State Bank of India's fair value?
Our blended DCF and relative-valuation model estimates State Bank of India's fair value at about ₹1,320.78, versus a current price of ₹1,013.7 — roughly 30% upside. On that basis the stock looks undervalued by 30%.
Is State Bank of India financially healthy?
State Bank of India scores 64/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has State Bank of India's share price performed?
State Bank of India is down 3% over three months, and last traded at ₹1,013.7. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.