SBIN
SBI
SBI (SBIN) Stock Analysis & Case Study
Is SBIN a good buy? The data-driven verdict.
SBI (SBIN) trades at ₹1,041,on the numbers it worth a closer look, a Downstox Snapshot Score of 65/100.
On the numbers, SBI (SBIN) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 11.5× earnings, ROE of 15.4%. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027–2031.
Last updated . Data snapshot for research, not investment advice.
The Downstox take on SBIN
The central question for SBI is whether a P/E near 11.5 is a cheap entry into India's largest lender or a fair price for a state-run bank that cannot rerate like private peers. The 15.4% ROE says the franchise earns its keep, but the modest 4/9 Piotroski score hints the recent operating trend is softer than the headline return suggests. Watch credit costs, deposit growth and whether ROE holds as the cycle turns. The 1.67% yield is a cushion, not the thesis.
Downstox editorial view, written by our own analysts. Information, not investment advice.
SBIN fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
Is SBIN overvalued? SBIN P/E vs its Banking
SBIN's P/E of 11.5× sits below the Banking peer median of 17.9×, so on earnings it screens cheaper than peers, while its 1.67% dividend yield is above the peer median of 0.16%.
The bull case for SBIN
- Trades at just 11.5× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection.
- A healthy 15.4% return on equity.
The bear case & risks
- No model or past record guarantees future returns, treat this as one input, not a decision.
SBIN Piotroski F-Score: 4/9, how financially strong is it?
The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. SBIN scores 4/9,mixed financial health.
SBIN MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy SBIN with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 27.3% | 3.7× |
| Zerodha | 23.3% | 4.3× |
| Groww | 23.3% | 4.3× |
| DhanCHEAPEST | 22.0% | 4.5× |
Compare every broker on the SBIN MTF page.
SBIN vs peers,Banking comparison
About SBI: sector, index & market-cap context
SBI (SBIN) is a large-cap NSE-listed company in the Banking sector, and a constituent of the Nifty 50 index group, with a market capitalisation of ₹9.61L Cr. See more Nifty 50 stocks.
How the SBIN Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of SBI's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
SBIN analysis, FAQs
Is SBI (SBIN) a good buy?
On the numbers, SBI (SBIN) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 11.5× earnings, ROE of 15.4%. This is a data snapshot for research, not investment advice.
Is SBIN overvalued or undervalued?
SBIN trades at 11.5× earnings versus a peer median of 17.9×, so it screens cheaper than its Banking peers.
What is the bull case for SBIN?
Trades at just 11.5× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection. A healthy 15.4% return on equity.
What are the risks in SBIN?
No model or past record guarantees future returns, treat this as one input, not a decision.