{"id":87960,"date":"2026-05-15T11:31:04","date_gmt":"2026-05-15T06:01:04","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=87960"},"modified":"2026-05-15T11:31:06","modified_gmt":"2026-05-15T06:01:06","slug":"state-bank-of-india-analyst-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/","title":{"rendered":"State Bank of India (SBIN) Stock Analyst Review May 2026"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p>This <strong><a href=\"https:\/\/univest.in\/stocks\/sbin\/state-bank-of-india-share-price-today\">State Bank of India<\/a> analyst review<\/strong> for May 2026 examines SBIN at Rs 975. State Bank of India (NSE: SBIN) is India&#8217;s largest public sector bank with assets exceeding Rs 65 lakh crore and a market capitalisation of Rs 9,40,877 crore. The 39-analyst consensus target of Rs 1,199 implies over 23 percent upside with 33 Buy ratings, making this <strong>State Bank of India analyst review<\/strong> one of the most broadly supported large-cap calls.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#State_Bank_of_India_Company_Snapshot_May_2026\" title=\"State Bank of India Company Snapshot May 2026\">State Bank of India Company Snapshot May 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Latest_Results_and_Business_Performance\" title=\"Latest Results and Business Performance\">Latest Results and Business Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Segment_and_Business_Analysis_in_This_State_Bank_of_India_Analyst_Review\" title=\"Segment and Business Analysis in This State Bank of India Analyst Review\">Segment and Business Analysis in This State Bank of India Analyst Review<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Retail_and_MSME_Lending\" title=\"Retail and MSME Lending\">Retail and MSME Lending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Corporate_and_Institutional_Banking\" title=\"Corporate and Institutional Banking\">Corporate and Institutional Banking<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#YONO_Digital_Platform\" title=\"YONO Digital Platform\">YONO Digital Platform<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Valuation_and_Analyst_Price_Targets\" title=\"Valuation and Analyst Price Targets\">Valuation and Analyst Price Targets<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Key_Catalysts_for_State_Bank_of_India_in_FY27\" title=\"Key Catalysts for State Bank of India in FY27\">Key Catalysts for State Bank of India in FY27<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Key_Risks_in_This_State_Bank_of_India_Analyst_Review\" title=\"Key Risks in This State Bank of India Analyst Review\">Key Risks in This State Bank of India Analyst Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Conclusion_State_Bank_of_India_Analyst_Review_Verdict\" title=\"Conclusion: State Bank of India Analyst Review Verdict\">Conclusion: State Bank of India Analyst Review Verdict<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Frequently_Asked_Questions_on_State_Bank_of_India_Analyst_Review_2026\" title=\"Frequently Asked Questions on State Bank of India Analyst Review 2026\">Frequently Asked Questions on State Bank of India Analyst Review 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#What_is_the_analyst_target_for_SBI_in_2026\" title=\"What is the analyst target for SBI in 2026?\">What is the analyst target for SBI in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#What_is_SBIs_current_ROE\" title=\"What is SBI&#8217;s current ROE?\">What is SBI&#8217;s current ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#Is_SBI_a_good_buy_in_2026\" title=\"Is SBI a good buy in 2026?\">Is SBI a good buy in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#What_is_SBIs_52-week_range\" title=\"What is SBI&#8217;s 52-week range?\">What is SBI&#8217;s 52-week range?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/state-bank-of-india-analyst-review-2026\/#What_is_the_YONO_platform_and_its_significance\" title=\"What is the YONO platform and its significance?\">What is the YONO platform and its significance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"State_Bank_of_India_Company_Snapshot_May_2026\"><\/span><strong>State Bank of India Company Snapshot May 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This <strong>State Bank of India analyst review<\/strong> is based on live market data as of May 2026, incorporating the latest quarterly results and analyst consensus targets for State Bank of India (NSE: SBIN), one of India&#8217;s largest companies in the PSU Banking sector.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Parameter<\/th>\n<th>Value<\/th>\n<\/tr>\n<tr>\n<td>NSE Ticker<\/td>\n<td>SBIN<\/td>\n<\/tr>\n<tr>\n<td>Sector<\/td>\n<td>PSU Banking<\/td>\n<\/tr>\n<tr>\n<td>CMP (May 2026)<\/td>\n<td>Rs 975<\/td>\n<\/tr>\n<tr>\n<td>52 Week High<\/td>\n<td>Rs 1,234.70<\/td>\n<\/tr>\n<tr>\n<td>52 Week Low<\/td>\n<td>Rs 755.50<\/td>\n<\/tr>\n<tr>\n<td>Market Cap<\/td>\n<td>Rs 9,40,877 Crore<\/td>\n<\/tr>\n<tr>\n<td>Trailing P\/E<\/td>\n<td>11.24x<\/td>\n<\/tr>\n<tr>\n<td>Analyst Consensus Target<\/td>\n<td>Rs 1,199<\/td>\n<\/tr>\n<tr>\n<td>Bull Case Target<\/td>\n<td>Rs 1,300<\/td>\n<\/tr>\n<tr>\n<td>Bear Case Target<\/td>\n<td>Rs 700<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Latest_Results_and_Business_Performance\"><\/span><strong>Latest Results and Business Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SBI delivered Q3 FY26 PAT of Rs 16,890 crore, growing 84 percent YoY driven by lower provisions and strong NII growth. ROE stands above 17 percent, the highest in the PSU banking sector. GNPA has declined below 2.5 percent, confirming the NPA clean-up decade is complete. This <strong>State Bank of India analyst review<\/strong> notes that FY26 quarterly PAT is on track to sustain above Rs 20,000 crore in FY27, supported by loan book growth at 14 to 15 percent YoY and YONO digital platform scale-up.<\/p>\n<p><a href=\"https:\/\/univest.in\/screeners\"><strong>Screen the best stocks on the Univest Screener.<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Segment_and_Business_Analysis_in_This_State_Bank_of_India_Analyst_Review\"><\/span><strong>Segment and Business Analysis in This State Bank of India Analyst Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Retail_and_MSME_Lending\"><\/span><strong>Retail and MSME Lending<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Retail and MSME loan book grows at 14 to 15 percent YoY, with YONO digital lending driving lower cost-of-acquisition. This <strong>State Bank of India analyst review<\/strong> identifies YONO as a structural margin improvement driver.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Corporate_and_Institutional_Banking\"><\/span><strong>Corporate and Institutional Banking<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Corporate banking benefits from India&#8217;s infrastructure capex cycle. The Union Budget 2026-27 capex allocation and PLI scheme-linked corporate lending are positive tailwinds per this <strong>State Bank of India analyst review<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"YONO_Digital_Platform\"><\/span><strong>YONO Digital Platform<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>YONO has over 80 million registered users, cross-selling insurance, mutual funds, and government scheme disbursals. It is a fee income diversification lever highlighted in this <strong>State Bank of India analyst review<\/strong>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Valuation_and_Analyst_Price_Targets\"><\/span><strong>Valuation and Analyst Price Targets<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>At Rs 975, SBIN trades at 11.24x P\/E and approximately 1.1x Price-to-Book, well below private sector peers. The 39-analyst consensus target of Rs 1,199 implies 23 percent upside. This <strong>State Bank of India analyst review<\/strong> notes that re-rating toward 1.5x Price-to-Book, justified by ROE above 17 percent, would take SBI toward the Rs 1,300 to 1,400 bull case zone.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Scenario<\/th>\n<th>Target Price<\/th>\n<\/tr>\n<tr>\n<td>Bull Case<\/td>\n<td>Rs 1,300<\/td>\n<\/tr>\n<tr>\n<td>Base Case (Consensus)<\/td>\n<td>Rs 1,199<\/td>\n<\/tr>\n<tr>\n<td>Bear Case<\/td>\n<td>Rs 700<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"https:\/\/univest.in\/screeners\"><strong>Screen the best stocks on the Univest Screener.<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Catalysts_for_State_Bank_of_India_in_FY27\"><\/span><strong>Key Catalysts for State Bank of India in FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Key catalysts in this <strong>State Bank of India analyst review<\/strong> include sustained ROE above 17 percent reinforcing the re-rating case, GNPA declining below 2 percent, YONO-driven fee income growth, RBI rate cuts stimulating retail loan demand, and the government infrastructure capex cycle driving corporate loan book growth.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_in_This_State_Bank_of_India_Analyst_Review\"><\/span><strong>Key Risks in This State Bank of India Analyst Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Key risks in this <strong>State Bank of India analyst review<\/strong> include macro-driven credit cost reversal from unsecured retail or MSME stress, potential government directive lending at below-market rates compressing NIM, FII selling given SBI&#8217;s high index weight, and state election-driven wage revision impacting opex.<\/p>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or the <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to get daily stock recommendations and expert research.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion_State_Bank_of_India_Analyst_Review_Verdict\"><\/span><strong>Conclusion: State Bank of India Analyst Review Verdict<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This <strong>State Bank of India analyst review<\/strong> concludes that at Rs 975, SBIN offers compelling value with ROE above 17 percent, clean asset quality, and deeply discounted multiples versus private peers. The 39-analyst consensus target of Rs 1,199 with 33 Buy ratings makes this one of the most broadly supported calls in this <strong>State Bank of India analyst review<\/strong>. Always consult a SEBI-registered financial advisor before making any investment decisions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_State_Bank_of_India_Analyst_Review_2026\"><\/span><strong>Frequently Asked Questions on State Bank of India Analyst Review 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_analyst_target_for_SBI_in_2026\"><\/span><strong>What is the analyst target for SBI in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 39-analyst consensus target is Rs 1,199, with a high estimate of Rs 1,300. This <strong>State Bank of India analyst review<\/strong> notes 33 of 39 analysts carry a Buy rating as of May 2026.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_SBIs_current_ROE\"><\/span><strong>What is SBI&#8217;s current ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>SBI&#8217;s ROE stands above 17 percent, the highest in the PSU banking sector. This is the central re-rating catalyst in this <strong>State Bank of India analyst review<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_SBI_a_good_buy_in_2026\"><\/span><strong>Is SBI a good buy in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>At 11.24x P\/E and approximately 1.1x Price-to-Book, this <strong>State Bank of India analyst review<\/strong> offers compelling value for long-term investors. Consult a SEBI-registered advisor before investing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_SBIs_52-week_range\"><\/span><strong>What is SBI&#8217;s 52-week range?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 52-week high is Rs 1,234.70 and the 52-week low is Rs 755.50. At Rs 975, SBIN is 21 percent below its peak per this <strong>State Bank of India analyst review<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_YONO_platform_and_its_significance\"><\/span><strong>What is the YONO platform and its significance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>YONO is SBI&#8217;s digital banking super-app with over 80 million users. It drives lower-cost digital lending and cross-selling fee income, as highlighted in this <strong>State Bank of India analyst review<\/strong>.<\/p>\n<p><em>Investments in securities are subject to market risk. This content is for educational purposes only and does not constitute investment advice. Please consult a SEBI-registered financial advisor before making any investment decisions.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>State Bank of India analyst review 2026: CMP Rs 975, MCap Rs 9.41L Cr, PE 11.24x. 39-analyst consensus target Rs 1,199, ROE above 17 percent, YONO digital platform. 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