State Bank of India Intrinsic Value
State Bank of India (SBIN) median intrinsic value is ₹1955.40 from 9 valuation models (range ₹545–₹2933), vs current price ₹977.70 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Browse SBIN income statement for revenue, profit, balance sheet and cash flow data.
SBIN Valuation Methods Summary — DCF, Graham Number & P/E
State Bank of India intrinsic value across 9 models vs current price ₹977.70 — upside/downside and value range per method. Also explore State Bank of India stock price data download to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1021.44 | ₹817.15 - ₹1225.73 | +4.5% | EPS: ₹85.12, Sector P/E: 12x |
| Book Value Method | asset | ₹2444.25 | ₹2199.83 - ₹2688.68 | +150.0% | Book Value/Share: ₹5655.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1955.40 | ₹1759.86 - ₹2150.94 | +100.0% | Revenue/Share: ₹8111.04, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1955.40 | ₹1759.86 - ₹2150.94 | +100.0% | EBITDA: ₹104304.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹2444.25 | ₹1955.40 - ₹2933.10 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹544.77 | ₹490.29 - ₹599.25 | -44.3% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹701.39 | ₹631.25 - ₹771.53 | -28.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1955.40 | ₹1759.86 - ₹2150.94 | +100.0% | ROE: 16.2%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹2933.10 | ₹2639.79 - ₹3226.41 | +200.0% | EPS: ₹85.12, BVPS: ₹5655.80 |
SBIN Intrinsic Value vs Market Price — All Valuation Models
State Bank of India fair value range ₹545–₹2933 vs current market price ₹977.70 across 9 valuation models. For current market price and key ratios, visit SBIN stock price BSE.
SBIN Intrinsic Value Analysis — Undervalued or Overvalued?
State Bank of India median intrinsic value ₹1955.40, current price ₹977.70 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of SBIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of State Bank of India (SBIN) is ₹1955.40 (median value). With the current market price of ₹977.70, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹544.77 to ₹2933.10, indicating ₹544.77 - ₹2933.10.
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%.
SBIN Financial Health — Key Ratios vs Industry Benchmarks
State Bank of India financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 16.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 43.0% | 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 |
SBIN Cash Flow Quality — Operating & Free Cash Flow
State Bank of India operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |