SBI Life Insurance Intrinsic Value
SBI Life Insurance (SBILIFE) median intrinsic value is ₹519.30 from 10 valuation models (range ₹346–₹4197), vs current price ₹1731.00 — -70.0% downside (Trading Above Calculated Value), margin of safety -100.0%. See SBILIFE price to book ratio to compare market price against book value per share.
SBILIFE Valuation Methods Summary — DCF, Graham Number & P/E
SBI Life Insurance intrinsic value across 10 models vs current price ₹1731.00 — upside/downside and value range per method. For current market price and key ratios, visit SBILIFE share price.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹519.30 | ₹415.44 - ₹623.16 | -70.0% | EPS: ₹25.90, Sector P/E: 12x |
| Book Value Method | asset | ₹346.20 | ₹311.58 - ₹380.82 | -80.0% | Book Value/Share: ₹190.29, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹970.27 | ₹873.24 - ₹1067.30 | -43.9% | Revenue/Share: ₹1212.83, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹692.40 | ₹623.16 - ₹761.64 | -60.0% | EBITDA: ₹2834.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹4197.25 | ₹3357.80 - ₹5036.70 | +142.5% | CF Growth: 12.1%, Discount: 15% |
| PEG Ratio Method | growth | ₹519.30 | ₹467.37 - ₹571.23 | -70.0% | EPS Growth: 10.8%, Fair P/E: 8.6x |
| Growth Adjusted P/E | growth | ₹519.30 | ₹467.37 - ₹571.23 | -70.0% | Revenue Growth: 10.2%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹865.50 | ₹778.95 - ₹952.05 | -50.0% | ROE: 13.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹519.30 | ₹467.37 - ₹571.23 | -70.0% | EPS: ₹25.90, BVPS: ₹190.29 |
| Dividend Yield Method | dividend | ₹519.30 | ₹467.37 - ₹571.23 | -70.0% | DPS: ₹2.70, Target Yield: 3.5% |
SBILIFE Intrinsic Value vs Market Price — All Valuation Models
SBI Life Insurance fair value range ₹346–₹4197 vs current market price ₹1731.00 across 10 valuation models. Check SBILIFE market cap trends to track the company's total market size over time.
SBILIFE Intrinsic Value Analysis — Undervalued or Overvalued?
SBI Life Insurance median intrinsic value ₹519.30, current price ₹1731.00 — 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 ₹519.30 (median value). With the current market price of ₹1731.00, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹346.20 to ₹4197.25, indicating ₹346.20 - ₹4197.25.
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 |
|---|---|---|---|---|
| Current Ratio | 0.03 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| 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 |