SBI Life Insurance Intrinsic Value
SBI Life Insurance (SBILIFE) median intrinsic value is ₹523.47 from 8 valuation models (range ₹349–₹2077), vs current price ₹1744.90 — -70.0% downside (Trading Above Calculated Value), margin of safety -100.0%. Also explore SBILIFE share price charts to track price trends across different timeframes.
SBILIFE Valuation Methods Summary — DCF, Graham Number & P/E
SBI Life Insurance intrinsic value across 8 models vs current price ₹1744.90 — upside/downside and value range per method. Browse SBILIFE complete financial statements for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹523.47 | ₹418.78 - ₹628.16 | -70.0% | EPS: ₹24.64, Sector P/E: 12x |
| Book Value Method | asset | ₹348.98 | ₹314.08 - ₹383.88 | -80.0% | Book Value/Share: ₹190.29, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹797.26 | ₹717.53 - ₹876.99 | -54.3% | Revenue/Share: ₹996.57, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹2076.97 | ₹1661.58 - ₹2492.36 | +19.0% | CF Growth: 1.7%, Discount: 15% |
| PEG Ratio Method | growth | ₹523.47 | ₹471.12 - ₹575.82 | -70.0% | EPS Growth: 13.1%, Fair P/E: 10.5x |
| Growth Adjusted P/E | growth | ₹523.47 | ₹471.12 - ₹575.82 | -70.0% | Revenue Growth: 4.4%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹872.45 | ₹785.21 - ₹959.70 | -50.0% | ROE: 12.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹523.47 | ₹471.12 - ₹575.82 | -70.0% | EPS: ₹24.64, BVPS: ₹190.29 |
SBILIFE Intrinsic Value vs Market Price — All Valuation Models
SBI Life Insurance fair value range ₹349–₹2077 vs current market price ₹1744.90 across 8 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 ₹523.47, current price ₹1744.90 — 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 8 different valuation methods, the estimated intrinsic value of SBI Life Insurance (SBILIFE) is ₹523.47 (median value). With the current market price of ₹1744.90, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹348.98 to ₹2076.97, indicating ₹348.98 - ₹2076.97.
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 | 12.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -12.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | 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 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 |