SBI Life Insurance Intrinsic Value
SBILIFE Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹621.24 | ₹496.99 - ₹745.49 | -70.0% | EPS: ₹24.50, Sector P/E: 12x |
| Book Value Method | asset | ₹414.16 | ₹372.74 - ₹455.58 | -80.0% | Book Value/Share: ₹169.51, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹841.52 | ₹757.37 - ₹925.67 | -59.4% | Revenue/Share: ₹1051.90, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹2079.04 | ₹1663.23 - ₹2494.85 | +0.4% | CF Growth: 1.7%, Discount: 15% |
| PEG Ratio Method | growth | ₹621.24 | ₹559.12 - ₹683.36 | -70.0% | EPS Growth: 12.9%, Fair P/E: 10.3x |
| Growth Adjusted P/E | growth | ₹621.24 | ₹559.12 - ₹683.36 | -70.0% | Revenue Growth: 5.8%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1035.40 | ₹931.86 - ₹1138.94 | -50.0% | ROE: 14.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹621.24 | ₹559.12 - ₹683.36 | -70.0% | EPS: ₹24.50, BVPS: ₹169.51 |
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Valuation Comparison Chart
SBILIFE Intrinsic Value Analysis
What is the intrinsic value of SBILIFE?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of SBI Life Insurance (SBILIFE) is ₹621.24 (median value). With the current market price of ₹2070.80, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹414.16 to ₹2079.04, indicating ₹414.16 - ₹2079.04.
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%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.02 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 26.55 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 14.4% | 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 | 0.23x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for SBI Life Insurance
Additional stock information and data for SBILIFE
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹23,878 Cr | ₹14,277 Cr | Positive Free Cash Flow | 8/10 |