State Bank of India (SBIN.BO) stock analysis

In our weekly check, State Bank of India is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5.

About State Bank of India

State Bank of India is a Financial Services company (Banks - Regional) based in India, listed on BSE as SBIN.BO.

What our checks show for SBIN.BO

Red flags

• The gross margin fell by 5.1 points, to 55.1%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 23.1% a year.
• The stock has fallen as much as 64% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 1.4%.

Strengths

• The net margin rose by 3 points over 5 years, to 12%.
• Operating cash flow is 1.93x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 20.2 points from today's 12%.
• Revenue grew 15.5% a year over the last 3 years.
• Earnings per share grew 14.4% a year over the last 3 years.
• Net profit grew 15.1% a year over the last 3 years.

Next earnings report: 2026-11-05

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Questions

What grade does State Bank of India (SBIN.BO) have?

In our weekly check, State Bank of India is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of SBIN.BO stock?

This week's biggest flags for State Bank of India: Gross margin falling, Weak revenue forecast, Deep past fall. In total 6 of 25 checks show a warning or a red flag.

What does State Bank of India do?

State Bank of India is a Financial Services company (Banks - Regional) based in India, listed on BSE as SBIN.BO.

When does State Bank of India report earnings next?

The next earnings report is expected on 2026-11-05. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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