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State Bank of India (SBIN) Stock Forecast

AI-powered analysis with bull/bear cases, price targets, and news sentiment

State Bank of India is the country's largest public-sector bank by assets and deposits, with an unmatched branch network and a dominant share of India's retail and government banking.

Sector: Banking (PSU) · AI-assisted analysis, refreshed periodically. Not financial advice. See our disclaimer.

State Bank of India at a glance

State Bank of India trades under the ticker SBIN on the NSE (National Stock Exchange of India) and is classified in the Banking (PSU) sector. This page brings together a live AI forecast, a discounted-cash-flow (DCF) valuation, and the fundamentals investors most often look at before taking a position.

Because State Bank of India sits in the Banking (PSU) space, its results tend to move with the drivers specific to that sector. The valuation framework below reflects the growth, risk and discount-rate assumptions we apply to Banking (PSU) companies rather than a one-size-fits-all model.

How we value a Banking (PSU) stock like State Bank of India

Our 3-stage DCF model projects earnings for State Bank of India using sector-calibrated growth: roughly 13.0% EPS growth in the high-growth phase (years 1–5), fading to about 9.0% (years 6–10), and a long-run terminal growth of 6.5%.

Those cash flows are discounted at an estimated cost of equity of 18.1%, built from a 7.0% risk-free rate, a sector beta of 1.30, and an equity risk premium of 8.5% (CAPM). The output is an intrinsic value per share and a "margin of safety" versus the current ₹ market price — shown live in the Valuation tab.

A above-market beta means State Bank of India has historically swung more than the broader index, so the model demands a higher return to compensate for that risk.

Key things to watch with State Bank of India

Before relying on any single number, sanity-check the inputs: is the current P/E reasonable versus State Bank of India's own history and its Banking (PSU) peers? Are earnings growing on a durable basis, or boosted by one-offs? How sensitive is the intrinsic value if growth comes in a couple of points below the sector assumption?

The AI Forecast tab adds qualitative colour — bull and bear cases, catalysts and risks — while the Valuation tab keeps the maths transparent. Treat both as a research starting point, not a recommendation.

Frequently asked questions about SBIN

What sector does State Bank of India (SBIN) belong to?

State Bank of India is classified in the Banking (PSU) sector. Sector classification drives the growth and risk assumptions used in its DCF valuation.

How is State Bank of India's intrinsic value calculated?

We run a 3-stage discounted-cash-flow model using Banking (PSU)-calibrated EPS growth (high-growth ~13.0%, fade ~9.0%, terminal 6.5%) discounted at an estimated cost of equity of 18.1%. The result is compared against the live ₹ price to give a margin of safety.

Is State Bank of India a good long-term investment?

That depends on your goals, risk tolerance and the price you pay. This page gives you the tools — intrinsic value, margin of safety, P/E context and an AI bull/bear view — to make that judgement, but it is educational analysis and not financial advice. Always do your own research or consult a licensed adviser.

How often is the State Bank of India analysis updated?

The live price and fundamentals refresh on each visit where data is available, while the AI commentary is regenerated periodically. The valuation recomputes from the latest price, so the margin of safety always reflects current market conditions.