SBI Life Insurance Intrinsic Value
SBILIFE • Insurance
Current Stock Price
₹1907.60
Primary Intrinsic Value
₹572.28
Market Cap
₹1911.4K Cr
-70.0%
Downside
Median Value
₹572.28
Value Range
₹382 - ₹2079
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%
SBILIFE Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹572.28 | ₹457.82 - ₹686.74 | -70.0% | EPS: ₹24.70, Sector P/E: 12x |
| Book Value Method | asset | ₹381.52 | ₹343.37 - ₹419.67 | -80.0% | Book Value/Share: ₹169.51, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹1059.48 | ₹953.53 - ₹1165.43 | -44.5% | Revenue/Share: ₹1324.35, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹763.04 | ₹686.74 - ₹839.34 | -60.0% | EBITDA: ₹2731.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹2079.04 | ₹1663.23 - ₹2494.85 | +9.0% | CF Growth: 1.7%, Discount: 15% |
| PEG Ratio Method | growth | ₹572.28 | ₹515.05 - ₹629.51 | -70.0% | EPS Growth: 13.2%, Fair P/E: 10.5x |
| Growth Adjusted P/E | growth | ₹572.28 | ₹515.05 - ₹629.51 | -70.0% | Revenue Growth: 12.1%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹953.80 | ₹858.42 - ₹1049.18 | -50.0% | ROE: 14.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹572.28 | ₹515.05 - ₹629.51 | -70.0% | EPS: ₹24.70, BVPS: ₹169.51 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
SBILIFE Intrinsic Value Analysis
What is the intrinsic value of SBILIFE?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of SBI Life Insurance (SBILIFE) is ₹572.28 (median value). With the current market price of ₹1907.60, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹381.52 to ₹2079.04, indicating ₹381.52 - ₹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 |
| Return on Equity | 14.6% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -41.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.29x | 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 |