State Bank of India Intrinsic Value
SBIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1094.88 | ₹875.90 - ₹1313.86 | -10.0% | EPS: ₹91.24, Sector P/E: 12x |
| Book Value Method | asset | ₹3040.25 | ₹2736.22 - ₹3344.28 | +150.0% | Book Value/Share: ₹5655.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2432.20 | ₹2188.98 - ₹2675.42 | +100.0% | Revenue/Share: ₹8014.51, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹3040.25 | ₹2432.20 - ₹3648.30 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹583.94 | ₹525.55 - ₹642.33 | -52.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹751.82 | ₹676.64 - ₹827.00 | -38.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2432.20 | ₹2188.98 - ₹2675.42 | +100.0% | ROE: 17.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹3407.46 | ₹3066.71 - ₹3748.21 | +180.2% | EPS: ₹91.24, BVPS: ₹5655.80 |
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Valuation Comparison Chart
SBIN Intrinsic Value Analysis
What is the intrinsic value of SBIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of State Bank of India (SBIN) is ₹2432.20 (median value). With the current market price of ₹1216.10, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹583.94 to ₹3407.46, indicating ₹583.94 - ₹3407.46.
Is SBIN undervalued or overvalued?
Based on our multi-method analysis, State Bank of India (SBIN) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 14.48 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 17.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 44.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for State Bank of India
Additional stock information and data for SBIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹48,486 Cr | ₹46,793 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹21,632 Cr | ₹19,894 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-86,014 Cr | ₹-86,497 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹57,695 Cr | ₹56,369 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹89,919 Cr | ₹88,084 Cr | Positive Free Cash Flow | 8/10 |