State Bank of India

Ticker: SBIN
Decent 68/100

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Breakout Momentum

Investing Reference

Price
886.10
Market Cap
817925.02
Debt/Equity
0.0000
ROE %
16.580
PB
1.6195
Promoter %
55.032
Pledge %
0.000
1Y Rev Growth %
11.566
5Y Rev Growth %
12.506
NP Margin %
11.692
NP Margin 5Y Avg %
9.847

Trading Reference

1M Return %
6.239
6M Return %
16.058
1Y Return %
10.122
% Away 52W High
0.226
% Away 52W Low
30.309
Daily Volume
8269225
Investment Verdict
Buy
Score 83/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Momentum
Score 75/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.

AI Probability Statement

Probability Statement

State Bank of India is likely to experience a moderate upside in the medium-term, supported by strong volume and recent price action above key moving averages, with resistance levels around ₹600. However, downside risks remain if the stock falls below the ₹500 support level.
Upside Probability: 15%   |   Downside Probability: 10%

Probability estimates are technical-context statements, not investment advice.

More Options

Business Overview

State Bank of India (SBI) is the largest public sector bank in India, serving millions of customers across the nation. With a legacy of trust and reliability, SBI offers a wide range of financial products and services tailored for individuals, businesses, and government entities. Its extensive network and digital innovations ensure that banking is accessible and convenient for everyone. SBI plays a crucial role in the economic development of India, making it a vital institution for your financial needs.

  • Largest public sector bank in India
  • Wide range of financial products
  • Extensive branch and ATM network
  • Strong focus on digital banking
  • Trusted by millions of customers
  • Key player in India's economic growth

Investment Thesis

State Bank of India (SBI) stands out as a robust investment opportunity due to its strong promoter credibility, significant growth in digital services, and attractive valuation compared to peers. The bank's extensive network and innovative offerings position it well for sustained growth in the evolving financial landscape.

  • Strong backing from the Government of India enhances credibility and stability.
  • Rapid expansion in digital services drives customer engagement and operational efficiency.
  • Valuation metrics indicate SBI is undervalued relative to its peers, presenting a buying opportunity.
  • Diverse product offerings cater to a wide customer base, ensuring steady revenue streams.
  • Resilience in asset quality and prudent risk management bolster investor confidence.

Opportunity vs Risk

Opportunities
  • Strong government support
  • Growing digital banking sector
  • Expanding rural market presence
  • Increasing credit demand
  • Diversification into new financial services
Risks ⚠️
  • High non-performing assets
  • Regulatory changes impact
  • Economic slowdown effects
  • Intense competition in banking
  • Global economic uncertainties

Peer Perspective

State Bank of India trades at a discount to HDFC Bank and ICICI Bank, reflecting its higher risk profile. A stable margin and consistent growth could trigger a rerating, aligning it more closely with its peers.

Future Outlook

State Bank of India is well-positioned for growth, driven by strong retail banking initiatives and digital transformation. Successful execution and strict cost control will be crucial to maximizing shareholder value in the coming years.

AI FAQs for Retail Users

  • Q: What is the State Bank of India?
    A: State Bank of India is a public sector bank and the largest bank in India.
  • Q: What services does State Bank of India offer?
    A: SBI provides banking, investment, insurance, and financial services to individuals and businesses.
  • Q: Is State Bank of India a good investment?
    A: Investment suitability depends on individual financial goals and market conditions; consider consulting a financial advisor.
  • Q: How can I buy State Bank of India shares?
    A: You can buy SBI shares through a registered stockbroker or an online trading platform.
  • Q: What factors affect State Bank of India's stock price?
    A: Stock price can be influenced by economic conditions, bank performance, and regulatory changes.
📊 Stock Investment Checklist (100 Points)
State Bank of India • Updated: 2025-09-17 17:03:42
  • 10
    Business
    High
    The banking sector is evolving with digital transformation, but competition is intense.
  • 10
    Growth
    High
    Consistent revenue growth driven by retail banking and improving asset quality.
  • 10
    Profitability
    High
    ROE and ROCE are improving, but OCF is slightly volatile.
  • 8
    Valuation
    High
    Valuation metrics are reasonable compared to peers, but not compelling.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be better.
  • 6
    Governance
    Good
    Promoter holding is stable, but there are concerns about transparency.
  • 5
    Drivers
    Good
    Growth drivers are present, but execution risks remain.
  • 5
    Technicals
    Good
    Market sentiment is mixed, with some bullish indicators.
Final Score & Verdict
Score 68 / 100 • Decent
State Bank of India shows decent potential for growth, but investors should be cautious of execution risks and market volatility.

AI Confidence Score

Instead of just “overall score,” broken into categories:

  • Business Strength: 75/100
  • Growth Potential: 70/100
  • Profitability: 65/100
  • Governance: 60/100
  • Market Confidence: 80/100


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