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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
State Bank of India has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
State Bank of India displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate State Bank of India's interest coverage with the available data.
State Bank of India's debt to revenue ratio for the quarter that ended in Jun. 2026 was 2.10.
Altman Z-Score does not apply to banks and insurance companies.
State Bank of India (OTCPK:SBKFF) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
State Bank of India has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
State Bank of India Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
State Bank of India (SBKFF) has a Financial Strength of 3 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on State Bank of India and its competitors. This is near median its historical median of 3.00. Over the past decade, State Bank of India's Financial Strength has ranged from 2.00 to 4.00.
Is State Bank of India's Financial Strength too high?
State Bank of India's current Financial Strength of 3 is near median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 4.00. Overall, State Bank of India has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does State Bank of India's Financial Strength compare to USB?
State Bank of India's Financial Strength of 3 can be compared against companies in the Banks industry. Historically, State Bank of India's own Financial Strength has ranged from 2.00 to 4.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on State Bank of India and its competitors. State Bank of India's current Financial Strength is 3, which is near median its own 10-year median of 3.00. 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 $88.06, compared to a current price of $104.26 — trading 18.4% above its estimated fair value. The current Financial Strength is 3, which is near median its 10-year median of 3.00. State Bank of India's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For State Bank of India (SBKFF), the current Financial Strength is 3 as of Jun. 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 $104.26 is trading 18.4% above its estimated GF Value™ of $88.06.
GuruFocus considers State Bank of India to be Modestly Overvalued.
Key valuation signals for SBKFF:
Financial Strength: 3 (near median its 10-year median of 3.00)
GF Value™: $88.06 vs. price of $104.26 (18.4% above fair value)
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 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.
67GF Score
Get the complete analysis for SBKFF
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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