SBKFF (State Bank of India) Moat Score: 7/10 (As of Jul. 01, 2026)


SBKFF State Bank of India SBKFF
63 GF Score
Price $107.42
GF Value $86.66
Valuation Modestly Overvalued
! 1 Warning Sign
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What is State Bank of India Moat Score?

State Bank of India SBKFF 63 Moat Score is 7 as of Jul. 01, 2026. GuruFocus rates SBKFF with a GF Score™ of 63/100 and a GF Value™ of $86.66 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,611 Banks companies, State Bank of India ranks better than 99.44% on this metric.

State Bank of India has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

State Bank of India has Wide Moat: State Bank of India enjoys a wide moat due to its dominant market position, extensive distribution network, and significant regulatory barriers. Its strong brand and customer loyalty, coupled with economies of scale, provide durable competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes State Bank of India might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

State Bank of India  (OTCPK:SBKFF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

State Bank of India Moat Score Related Terms

SBKFF vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, State Bank of India's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

State Bank of India Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, State Bank of India's Moat Score distribution charts can be found below:

* The bar in red indicates where State Bank of India's Moat Score falls into.


SBKFF
63GF Score
State Bank of India SBKFF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
State Bank of India (SBKFF) has a Moat Score of 7 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, State Bank of India ranks #9 out of 1611 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is State Bank of India's Moat Score too high?
State Bank of India's current Moat Score is 7. Based on the distribution chart, State Bank of India ranks #9 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, State Bank of India has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does State Bank of India's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, State Bank of India ranks #9 out of 1611 companies for Moat Score. This places State Bank of India in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. State Bank of India's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is State Bank of India stock overvalued right now?
Based on GuruFocus' analysis, State Bank of India (SBKFF) is currently considered Modestly Overvalued. The stock's GF Value™ is $86.66, compared to a current price of $107.42 — trading 24% above its estimated fair value. The current Moat Score is 7. State Bank of India's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For State Bank of India (SBKFF), the current Moat Score is 7 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is State Bank of India (SBKFF) Overvalued in 2026?

Based on GuruFocus' analysis, State Bank of India stock appears to be overvalued. The current stock price of $107.42 is trading 24% above its estimated GF Value™ of $86.66. GuruFocus considers State Bank of India to be Modestly Overvalued.

Key valuation signals for SBKFF:

  • Moat Score: 7
  • GF Value™: $86.66 vs. price of $107.42 (24% above fair value)
  • GF Score™: 63/100 with 1 warning sign

No single metric tells the full story. See the SBKFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

State Bank of India Business Description

Address Madam Cama Road, State Bank Bhavan, 14th Floor, Corporate Centre, SBI, Shares & Bonds Departmen, Nariman Point, Mumbai, MH, IND, 400 021
State Bank of India is a bank in India. The bank's business segments include Treasury; Corporate/Wholesale Banking; Retail Banking and Other Banking businesses. The bank generates maximum revenue from the Retail Banking segment. The Retail Banking Segment comprises retail branches, which include Personal Banking activities including lending activities to corporate customers having banking relations with these branches. This segment also includes the agency business and ATMs. Geographically, the Company derives a majority of its revenue from India, It also operates in Foreign Countries.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$107.42
Price
$86.66
GF Value