State Bank of India
State Bank of India Fundamental Analysis
State Bank of India (SBKFF) shows strong financial fundamentals with a PE ratio of 14.33, profit margin of 12.02%, and ROE of 15.79%. The company generates $6831.3B in annual revenue with strong year-over-year growth of 11.51%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.0/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SBKFF's fundamental strength across five key dimensions:
Efficiency Score
WeakSBKFF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSBKFF trades at attractive valuation levels.
Growth Score
ExcellentSBKFF delivers strong and consistent growth momentum.
Financial Health Score
WeakSBKFF carries high financial risk with limited liquidity.
Profitability Score
WeakSBKFF struggles to sustain strong margins.
Key Financial Metrics
Is SBKFF Expensive or Cheap?
P/E Ratio
SBKFF trades at 14.33 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SBKFF's PEG of 0.07 indicates potential undervaluation.
Price to Book
The market values State Bank of India at 1.99 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.06 times EBITDA. This is generally considered low.
How Well Does SBKFF Make Money?
Net Profit Margin
For every $100 in sales, State Bank of India keeps $12.02 as profit after all expenses.
Operating Margin
Core operations generate 16.68 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.79 in profit for every $100 of shareholder equity.
ROA
State Bank of India generates $1.04 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
State Bank of India generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
State Bank of India generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
SBKFF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.33
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.07
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.99
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.72
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.16
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.05
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How SBKFF Stacks Against Its Sector Peers
| Metric | SBKFF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.33 | 18.73 | Better (Cheaper) |
| ROE | 15.79% | 847.00% | Weak |
| Net Margin | 12.02% | 2562.00% | Weak |
| Debt/Equity | 1.16 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.05 | 674.76 | Weak Liquidity |
| ROA | 1.04% | -21692.00% (disorted) | Weak |
SBKFF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews State Bank of India's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
82.57%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
292.37%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
102.64%
Industry Style: Value, Dividend, Cyclical
High Growth