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SBIN.NS

State Bank of India

NSI · Financial Services

₹1,048.00

₹8.50 (+0.82%)up 0.82%

25 August 2026 · delayed 15+ min

C+

Quality score78.8 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

State Bank of India earns a C+ on excellent profit margins (>20%) and RSI in healthy range (30-70) but MACD bearish (negative histogram). Good investment opportunity with solid fundamentals.

Model stance BUY Suggested position 8.0% · ₹800.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 8.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in rupees.

IQ-SBIN.NS-20260825engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

₹798.50

Today's price

₹1,048.00

Lowest analyst target

₹1,070.00

52-week high

₹1,235.70

Mean analyst target

₹1,262.82

Highest analyst target

₹1,390.00

SBIN.NS trades 57% of the way up its 52-week range, between ₹798.50 and ₹1,235.70. The mean analyst target of ₹1,262.82 is 20.4% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthExcellent profit margins (>20%) 75.023%

Profit margin

22.38%

Net profit per unit of revenue

exceptionalWhat this means

Of every 100 units of revenue, this much survives as profit.

Margins this wide usually mean real pricing power or a moat.

Operating margin

35.72%

Before interest and tax

very highWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Typical of software and other businesses with little cost per extra sale.

Gross margin

0.00%

After the cost of goods only

lowWhat this means

What is left of revenue after only the direct cost of the product.

Costs of goods eat most of the revenue — normal in retail, distribution and hardware assembly.

Return on equity

15.18%

Profit per unit of shareholder capital

strongWhat this means

Profit generated per unit of shareholder capital.

Above 15% is generally considered a good business.

Return on assets

1.13%

Profit per unit of assets

lowWhat this means

Profit generated per unit of everything the company owns.

Common in asset-heavy industries such as utilities, telecoms and airlines.

Revenue growth

10.30%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

9.90%

Year on year

modestWhat this means

Change in earnings against the same period last year.

Slow profit growth.

Revenue

₹3.85 L Cr

Trailing twelve months

Payout ratio

18.55%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumStrong 1-year return (30.7%) 75.022%

Return, 1 month

3.43%

Return, 3 months

8.67%

Return, 6 months

-12.79%

Return, year to date

8.34%

Return, 1 year

30.71%

Return, 3 years

94.85%

Sharpe ratio

0.88

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

53.75%

Share of days that closed up

consistently positiveWhat this means

The share of trading days that closed higher.

More up days than most shares manage.

Average daily return

0.09%

Best day

9.07%

Worst day

-14.40%

ValuationAttractive P/E ratio (11.2); Attractive PEG ratio (0.53) 100.018%

P/E ratio

11.20

Price against trailing earnings

moderateWhat this means

You pay 11.20 for every 1 unit of annual earnings.

Roughly the long-run market average band.

Forward P/E

10.00

Price against forecast earnings

lowWhat this means

Price against next year's *forecast* earnings.

The market expects little growth, or doubts the forecast.

PEG ratio

0.53

P/E adjusted for growth

cheap for the growthWhat this means

P/E divided by the growth rate — it asks whether the price is justified by the growth.

Under 1 is the classic Peter Lynch marker for growth you are not paying full price for.

Price to book

1.56

Price against balance-sheet equity

normalWhat this means

Price against the accounting value of the company's net assets.

A typical range for an established company.

Price to sales

2.51

Price against revenue

moderateWhat this means

Price against revenue — usable when a company has no profit yet.

A common range for a profitable, growing business.

Enterprise value

₹15.96 L Cr

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

9,23,06,17,586

Shares the profit is split across

Dividend yield

1.67%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalRSI in healthy range (30-70); MACD bearish (negative histogram) 70.015%

RSI (14)

49.5

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

3.43

Momentum against its own trend

MACD histogram

-3.76

Positive is bullish

ADX

18.5

Trend strength; above 25 is a real trend

no clear trendWhat this means

Trend strength, regardless of direction.

Below about 20 the price is ranging rather than trending.

20-day average

₹1,055.40

50-day average

₹1,042.08

200-day average

₹1,026.81

Price vs 50-day

0.57%

Price vs 200-day

2.16%

Bollinger upper

₹1,097.33

Bollinger lower

₹1,013.47

Average true range

18.27

Typical daily trading range

Stochastic %K

17.9

Risk4 measured figures 55.012%

Volatility, annualised

24.64%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.39

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-23.94%

Worst peak-to-trough fall

containedWhat this means

The worst peak-to-trough fall in the period measured.

No catastrophic fall in this window.

Risk category

Moderate

The engine's own banding

Analyst viewAnalyst consensus: Strong Buy; Significant upside potential (20.4%) 100.010%

Consensus

Strong Buy

What covering analysts rate it

Analysts covering

39

Mean price target

₹1,262.82

Highest target

₹1,390.00

Lowest target

₹1,070.00

Implied upside

20.40%

Target against today's price

meaningfulWhat this means

How far the mean analyst target sits above today's price.

Analysts see real room above today's price.

Price against the NIFTY 50

180 trading days to 2026-08-25

SBIN.NS is 11.6% up over the window, against 6.3% down for the NIFTY 50 — ahead by 17.8 points.
SBIN.NS +11.6%NIFTY 50 -6.3%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-08, so they can be compared directly.
DateCloseSBIN.NS rebasedNIFTY 50 rebased
2025-12-08₹939.47100.0100.0
2025-12-30₹956.21101.899.9
2026-01-20₹1,018.05108.497.2
2026-02-11₹1,162.96123.7100.0
2026-03-05₹1,149.79122.395.4
2026-03-27₹1,001.45106.687.9
2026-04-22₹1,084.77115.493.9
2026-05-13₹953.92101.490.2
2026-06-03₹970.45103.390.2
2026-06-24₹1,035.60110.192.5
2026-07-15₹1,030.10109.692.8
2026-08-05₹1,055.00112.394.9

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health75.023%17.2
Growth & momentum75.022%16.5
Valuation100.018%18.0
Technical70.015%10.5
Risk55.012%6.6
Analyst view100.010%10.0
ESG50.00%0.0
Quality score100%78.8

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

C+

78.8 / 100

Identical to the IQInvest grade.

All 60 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
20-day averageTechnical₹1,055.40Yahoo Finance
200-day averageTechnical₹1,026.81Yahoo Finance
50-day averageTechnical₹1,042.08Yahoo Finance
52-week highMarket data₹1,235.70Yahoo Finance
52-week lowMarket data₹798.50Yahoo Finance
ADXTechnical18.5Yahoo Finance
Analysts coveringAnalyst view39Yahoo Finance
Average daily returnGrowth & momentum0.09%Yahoo Finance
Average true rangeTechnical18.27Yahoo Finance
Average volumeMarket data1,18,51,715Yahoo Finance
Best dayGrowth & momentum9.07%Yahoo Finance
BetaRisk0.39Yahoo Finance
Bollinger lowerTechnical₹1,013.47Yahoo Finance
Bollinger upperTechnical₹1,097.33Yahoo Finance
ConsensusAnalyst viewStrong BuyYahoo Finance
Day highMarket data₹1,048.00Yahoo Finance
Day lowMarket data₹1,031.30Yahoo Finance
Dividend yieldValuation1.67%Yahoo Finance
Earnings growthFinancial health9.90%Yahoo Finance
EmployeesMarket data2,45,131Yahoo Finance
Enterprise valueValuation₹15.96 L CrYahoo Finance
Forward P/EValuation10.00Yahoo Finance
Gross marginFinancial health0.00%Yahoo Finance
Highest targetAnalyst view₹1,390.00Yahoo Finance
Implied upsideAnalyst view20.40%Yahoo Finance
Lowest targetAnalyst view₹1,070.00Yahoo Finance
MACDTechnical3.43Yahoo Finance
MACD histogramTechnical-3.76Yahoo Finance
Maximum drawdownRisk-23.94%Yahoo Finance
Mean price targetAnalyst view₹1,262.82Yahoo Finance
OpenMarket data₹1,036.00Yahoo Finance
Operating marginFinancial health35.72%Yahoo Finance
P/E ratioValuation11.20Yahoo Finance
Payout ratioFinancial health18.55%Yahoo Finance
PEG ratioValuation0.53Yahoo Finance
Previous closeMarket data₹1,040.50Yahoo Finance
Price to bookValuation1.56Yahoo Finance
Price to salesValuation2.51Yahoo Finance
Price vs 200-dayTechnical2.16%Yahoo Finance
Price vs 50-dayTechnical0.57%Yahoo Finance
Profit marginFinancial health22.38%Yahoo Finance
Return on assetsFinancial health1.13%Yahoo Finance
Return on equityFinancial health15.18%Yahoo Finance
Return, 1 monthGrowth & momentum3.43%Yahoo Finance
Return, 1 yearGrowth & momentum30.71%Yahoo Finance
Return, 3 monthsGrowth & momentum8.67%Yahoo Finance
Return, 3 yearsGrowth & momentum94.85%Yahoo Finance
Return, 6 monthsGrowth & momentum-12.79%Yahoo Finance
Return, year to dateGrowth & momentum8.34%Yahoo Finance
RevenueFinancial health₹3.85 L CrYahoo Finance
Revenue growthFinancial health10.30%Yahoo Finance
Risk categoryRiskModerateYahoo Finance
RSI (14)Technical49.5Yahoo Finance
Shares outstandingValuation9,23,06,17,586Yahoo Finance
Sharpe ratioGrowth & momentum0.88Yahoo Finance
Stochastic %KTechnical17.9Yahoo Finance
Volatility, annualisedRisk24.64%Yahoo Finance
VolumeMarket data99,72,649Yahoo Finance
Win rateGrowth & momentum53.75%Yahoo Finance
Worst dayGrowth & momentum-14.40%Yahoo Finance
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