SBI Life Insurance Intrinsic Value
SBI Life Insurance intrinsic value. SBI Life Insurance (SBILIFE) median intrinsic value is ₹492.87 from 10 valuation models (range ₹329–₹4107), vs current price ₹1642.90 — -70.0% downside (Trading Above Calculated Value), margin of safety -100.0%. Read SBI Life Insurance dividend payments for the complete payout history and dividend yield track record.
SBILIFE Valuation Methods Summary — DCF, Graham Number & P/E
SBI Life Insurance intrinsic value across 10 models vs current price ₹1642.90 — upside/downside and value range per method. Compare with SBILIFE fair value to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹492.87 | ₹394.30 - ₹591.44 | -70.0% | EPS: ₹25.90, Sector P/E: 12x |
| Book Value Method | asset | ₹328.58 | ₹295.72 - ₹361.44 | -80.0% | Book Value/Share: ₹190.29, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹970.27 | ₹873.24 - ₹1067.30 | -40.9% | Revenue/Share: ₹1212.83, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹657.16 | ₹591.44 - ₹722.88 | -60.0% | EBITDA: ₹2834.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹4107.25 | ₹3285.80 - ₹4928.70 | +150.0% | CF Growth: 12.1%, Discount: 15% |
| PEG Ratio Method | growth | ₹492.87 | ₹443.58 - ₹542.16 | -70.0% | EPS Growth: 10.8%, Fair P/E: 8.6x |
| Growth Adjusted P/E | growth | ₹492.87 | ₹443.58 - ₹542.16 | -70.0% | Revenue Growth: 10.2%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹821.45 | ₹739.31 - ₹903.60 | -50.0% | ROE: 13.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹492.87 | ₹443.58 - ₹542.16 | -70.0% | EPS: ₹25.90, BVPS: ₹190.29 |
| Dividend Yield Method | dividend | ₹492.87 | ₹443.58 - ₹542.16 | -70.0% | DPS: ₹2.70, Target Yield: 3.5% |
SBILIFE Intrinsic Value vs Market Price — All Valuation Models
SBI Life Insurance fair value range ₹329–₹4107 vs current market price ₹1642.90 across 10 valuation models. For current market price and key ratios, visit SBILIFE share price.
SBILIFE Intrinsic Value Analysis — Undervalued or Overvalued?
SBI Life Insurance median intrinsic value ₹492.87, current price ₹1642.90 — Trading Above Calculated Value by 70.0%, margin of safety -100.0%.
What is the intrinsic value of SBILIFE?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of SBI Life Insurance (SBILIFE) is ₹492.87 (median value). With the current market price of ₹1642.90, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹328.58 to ₹4107.25, indicating ₹328.58 - ₹4107.25.
Is SBILIFE undervalued or overvalued?
Based on our multi-method analysis, SBI Life Insurance (SBILIFE) appears to be trading above calculated value by approximately 70.0%.
SBILIFE Financial Health — Key Ratios vs Industry Benchmarks
SBI Life Insurance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 13.6% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -22.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.25x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
SBILIFE Cash Flow Quality — Operating & Free Cash Flow
SBI Life Insurance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹34,523 Cr | ₹16,864 Cr | Positive Free Cash Flow | 7/10 |
| March 2025 | ₹25,547 Cr | ₹14,653 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹29,122 Cr | ₹13,512 Cr | Positive Free Cash Flow | 7/10 |
| March 2023 | ₹28,656 Cr | ₹13,555 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹21,852 Cr | ₹11,047 Cr | Positive Free Cash Flow | 8/10 |