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Last Updated: April 2, 2026, 3:37 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 540719 | NSE: SBILIFE

SBI Life Insurance Company Ltd (SBILIFE): Intrinsic Value & Share Price Analysis

Fair Value

₹1,664.22Fairly Valued by 7.03%vs CMP ₹1,790.00

P/E (72.4) × ROE (15.1%) × BV (₹190.00) × DY (0.15%)

₹616.45Overvalued by 65.56%vs CMP ₹1,790.00
MoS: -190.4% (Negative)Confidence: 66/100 (Moderate)Models: 1 Fair, 9 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹1,838.0120%Fair (+2.7%)
Graham NumberEarnings₹325.1515%Over (-81.8%)
Earnings PowerEarnings₹162.1012%Over (-90.9%)
DCFCash Flow₹417.9812%Over (-76.6%)
Net Asset ValueAssets₹182.377%Over (-89.8%)
EV/EBITDAEnterprise₹342.078%Over (-80.9%)
Dividend DiscountDividends₹137.508%Over (-92.3%)
Earnings YieldEarnings₹247.307%Over (-86.2%)
ROCE CapitalReturns₹12.017%Over (-99.3%)
Revenue MultipleRevenue₹1,165.045%Over (-34.9%)
Consensus (10 models)₹616.45100%Overvalued
Key Drivers: Wide model spread (₹12–₹1,838) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 10.4%

*Investments are subject to market risks

Investment Snapshot

66
SBI Life Insurance Company Ltd (SBILIFE) scores 66/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health81/100 · Strong
ROCE 16.9% GoodROE 15.1% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 55.3% Stable
Earnings Quality60/100 · Moderate
OPM stable around 2% SteadyWorking capital: 2 days (improving) Efficient
Quarterly Momentum58/100 · Moderate
Revenue (4Q): 1% YoY FlatProfit (4Q): +3% YoY Positive
Industry Rank65/100 · Strong
P/E 72.4 vs industry 111.2 Cheaper than peersROCE 16.9% vs industry 19.3% Average3Y sales CAGR: 12% Moderate

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:37 am

Market Cap 1,79,590 Cr.
Current Price 1,790
Intrinsic Value₹616.45
High / Low 2,133/1,431
Stock P/E72.4
Book Value 190
Dividend Yield0.15 %
ROCE16.9 %
ROE15.1 %
Face Value 10.0
PEG Ratio6.93

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for SBI Life Insurance Company Ltd (SBILIFE)

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
SBI Life Insurance Company Ltd (SBILIFE) 1,79,590 Cr. 1,790 2,133/1,43172.4 1900.15 %16.9 %15.1 % 10.0
HDFC Life Insurance Company Ltd 1,23,632 Cr. 573 821/56965.4 81.60.37 %6.58 %10.8 % 10.0
ICICI Prudential Life Insurance Company Ltd 74,399 Cr. 513 707/50654.3 92.90.17 %11.9 %10.4 % 10.0
Max Financial Services Ltd 50,987 Cr. 1,477 1,892/1,085355 1540.00 %8.13 %7.26 % 2.00
Life Insurance Corporation of India 4,71,845 Cr. 746 980/7228.90 2241.61 %53.1 %45.7 % 10.0
Industry Average180,090.60 Cr1,019.80111.20148.500.46%19.32%17.85%8.40

All Competitor Stocks of SBI Life Insurance Company Ltd (SBILIFE)

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 26,81721,29627,89528,80539,03336,25534,65440,30218,86223,07138,99623,11546,133
Expenses 26,48322,19727,47128,39238,68137,04334,06039,69618,26623,52038,33322,60045,517
Operating Profit 333-901424413352-788594606596-449664516615
OPM % 1%-4%2%1%1%-2%2%2%3%-2%2%2%1%
Other Income 131,723912181,6393-4-31,350-81627
Interest 0000000000000
Depreciation 0000000000000
Profit before tax 346822433424370851597601594901656532642
Tax % 12%5%12%10%13%5%13%12%7%10%9%7%10%
Net Profit 304777381380322811520529551814594495577
EPS in Rs 3.047.763.813.803.218.105.195.285.508.125.934.935.75

Last Updated: February 4, 2026, 7:16 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 5:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 17,25823,29919,32430,54834,06844,60443,79881,91382,98380,636131,988116,888131,315
Expenses 16,74722,50518,40429,47932,73643,13042,44781,04082,25478,713129,884114,112129,970
Operating Profit 5117949201,0681,3321,4741,3518727301,9232,1042,7761,346
OPM % 3%3%5%4%4%3%3%1%1%2%2%2%1%
Other Income 3441831291391562665298671,032515001,385
Interest 5455680000000
Depreciation 3534374859928999756876840
Profit before tax 8169391,0071,1541,4221,6421,7901,6401,6871,9062,0782,6932,731
Tax % 11%13%16%17%19%19%21%11%11%10%9%10%
Net Profit 7288158449551,1501,3271,4221,4561,5061,7211,8942,4132,479
EPS in Rs 7.288.158.449.5511.5013.2714.2214.5615.0517.1918.9124.0824.73
Dividend Payout % 14%15%14%16%17%15%0%17%13%15%14%11%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)11.95%3.56%13.15%20.42%15.39%7.16%2.39%3.43%14.28%10.05%27.40%
Change in YoY Net Profit Growth (%)0.00%-8.39%9.59%7.27%-5.03%-8.23%-4.77%1.04%10.84%-4.22%17.35%

SBI Life Insurance Company Ltd (SBILIFE) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:18%
5 Years:22%
3 Years:12%
TTM:-13%
Compounded Profit Growth
10 Years:11%
5 Years:11%
3 Years:17%
TTM:22%
Stock Price CAGR
10 Years:%
5 Years:17%
3 Years:11%
1 Year:-6%
Return on Equity
10 Years:16%
5 Years:14%
3 Years:14%
Last Year:15%

Last Updated: September 5, 2025, 1:26 pm

Balance Sheet

Last Updated: February 1, 2026, 3:52 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1,0001,0001,0001,0001,0001,0001,0001,0001,0001,0011,0011,0021,003
Reserves 2,3563,0563,7334,5525,5286,5767,7439,40010,62212,01713,90715,98317,294
Borrowings -0-0-0-0-0-0-0-0-0-0-0-0-0
Other Liabilities 57,28470,06478,69696,687115,193139,157156,837216,430261,715301,582383,369440,110471,645
Total Liabilities 60,64074,12183,429102,240121,720146,734165,580226,830273,337314,599398,277457,095489,941
Fixed Assets 304292301507511563568564919520551580632
CWIP 4714631703213131610-0
Investments 56,27569,38577,84395,830114,436139,325158,813218,756264,437304,334385,590447,467480,726
Other Assets 4,0584,4375,1395,8716,7036,8146,1867,5097,9789,74312,1309,0388,583
Total Assets 60,64074,12183,429102,240121,720146,734165,580226,830273,337314,599398,277457,095489,941

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 1662,7115,7788,52510,39513,47319,29923,87821,85228,65629,12225,547
Cash from Investing Activity + -708-178-7,204-9,032-8,910-13,552-16,986-19,203-21,611-30,203-31,221-21,789
Cash from Financing Activity + -58-117-144-144-221-241-1983-231-415-227-215
Net Cash Flow -6002,416-1,570-6511,264-3212,1144,67710-1,962-2,3273,543
Free Cash Flow 1152,6875,6008,37710,28813,32519,21023,76321,78528,58129,00825,441
CFO/OP 33%341%628%798%780%955%1,473%2,802%3,094%1,532%1,426%956%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow511.00794.00920.001.001.001.001.00872.00730.001.002.002.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 000000000000
Inventory Days
Days Payable
Cash Conversion Cycle 000000000000
Working Capital Days -20-6334111-3142
ROCE %27%25%23%23%24%22%22%17%15%15%15%17%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 55.45%55.45%55.44%55.43%55.42%55.41%55.39%55.38%55.38%55.37%55.36%55.34%
FIIs 25.14%26.22%26.17%25.92%25.16%24.70%25.18%22.48%21.88%22.34%21.85%21.88%
DIIs 15.09%14.15%14.27%14.63%15.40%15.88%15.32%17.91%18.67%18.24%18.70%18.72%
Public 4.34%4.19%4.11%4.01%4.01%3.98%4.10%4.22%4.06%4.05%4.09%4.05%
No. of Shareholders 3,74,6743,58,0883,49,4073,38,5253,35,1143,45,5413,35,8643,74,9163,63,5053,55,3213,57,7643,52,496

Shareholding Pattern Chart

No. of Shareholders

SBI Life Insurance Company Ltd (SBILIFE): Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Flexi Cap Fund 20,000,000 4.1 3997N/AN/AN/A
ICICI Prudential Value Fund 9,583,134 3.17 1915.199,681,3842025-12-15 04:37:11-1.01%
ICICI Prudential India Opportunities Fund 5,887,470 3.35 1176.615,382,4672026-02-23 00:48:049.38%
ICICI Prudential Large Cap Fund 5,664,267 1.48 11325,817,3732026-01-26 07:02:50-2.63%
HDFC Focused Fund 4,700,000 3.57 939.3N/AN/AN/A
HDFC ELSS Tax Saver Fund 4,500,000 5.37 899.33N/AN/AN/A
HDFC Balanced Advantage Fund 4,240,064 0.79 847.384,938,6892026-02-23 00:48:04-14.15%
ICICI Prudential Balanced Advantage Fund 3,720,881 1.06 743.623,540,5222026-02-23 00:30:025.09%
ICICI Prudential Banking and Financial Services 3,236,415 5.91 646.83,016,2052026-02-23 00:48:047.3%
Nippon India Large Cap Fund 3,142,885 1.25 628.113,842,8852026-02-23 00:48:04-18.22%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 24.0918.9217.1915.0614.56
Diluted EPS (Rs.) 24.0718.9017.1815.0414.55
Cash EPS (Rs.) 24.9219.6717.8715.0614.56
Book Value[Excl.RevalReserv]/Share (Rs.) 169.49148.87130.06116.18131.26
Book Value[Incl.RevalReserv]/Share (Rs.) 169.49148.87130.06116.18131.26
Dividend / Share (Rs.) 2.702.702.502.002.50
Revenue From Operations / Share (Rs.) 1166.391317.95805.63829.52819.07
PBDIT / Share (Rs.) 30.3623.5421.3125.8917.77
PBIT / Share (Rs.) 29.5222.7720.6325.8917.77
PBT / Share (Rs.) 29.4122.6820.5325.7917.68
Net Profit / Share (Rs.) 24.0818.9117.1915.0514.56
PBDIT Margin (%) 2.601.782.643.122.16
PBIT Margin (%) 2.531.722.563.122.16
PBT Margin (%) 2.521.722.543.102.15
Net Profit Margin (%) 2.061.432.131.811.77
Return on Networth / Equity (%) 14.2012.7013.2112.9511.09
Return on Capital Employeed (%) 0.650.580.660.960.79
Return On Assets (%) 0.520.470.540.550.64
Asset Turnover Ratio (%) 0.270.370.270.330.41
Current Ratio (X) 1.392.131.851.481.69
Quick Ratio (X) 1.392.131.851.481.69
Dividend Payout Ratio (NP) (%) 11.2114.2714.5413.2817.17
Dividend Payout Ratio (CP) (%) 10.8313.7213.9913.2817.17
Earning Retention Ratio (%) 88.7985.7385.4686.7282.83
Cash Earning Retention Ratio (%) 89.1786.2886.0186.7282.83
Interest Coverage Ratio (X) 265.96258.09211.52258.66213.63
Interest Coverage Ratio (Post Tax) (X) 234.23229.60186.42166.49191.47
Enterprise Value (Cr.) 153289.65145268.63105898.47108857.3085345.72
EV / Net Operating Revenue (X) 1.311.101.311.311.04
EV / EBITDA (X) 50.3861.6349.6542.0248.02
MarketCap / Net Operating Revenue (X) 1.331.141.361.351.08
Retention Ratios (%) 88.7885.7285.4586.7182.82
Price / BV (X) 9.1310.068.469.646.71
Price / Net Operating Revenue (X) 1.331.141.361.351.08
EarningsYield 0.010.010.010.010.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

SBI Life Insurance Company Ltd. is a Public Limited Listed company incorporated on 11/10/2000 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L99999MH2000PLC129113 and registration number is 129113. Currently Company is involved in the business activities of Life insurance. Company's Total Operating Revenue is Rs. 116888.43 Cr. and Equity Capital is Rs. 1002.14 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Life Insurance'Natraj', M V Road, Western Express Highway Junction, Mumbai Maharashtra 400069Contact not found
Management
NamePosition Held
Mr. Challa Sreenivasulu SettyChairman
Mr. Amit JhingranManaging Director & CEO
Mr. Shobinder DuggalIndependent Director
Ms. Usha SangwanIndependent Director
Mr. Narayan K SeshadriIndependent Director
Dr. Tejendra Mohan BhasinIndependent Director
Mr. Venugopal Bhaskaran NayarIndependent Director
Mr. Ashwini Kumar TewariNominee Director

FAQ

What is the intrinsic value of SBI Life Insurance Company Ltd (SBILIFE) and is it undervalued?

As of 12 April 2026, SBI Life Insurance Company Ltd (SBILIFE)'s intrinsic value is ₹616.45, which is 65.56% lower than the current market price of ₹1,790.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (15.1 %), book value (₹190), dividend yield (0.15 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of SBI Life Insurance Company Ltd (SBILIFE)?

SBI Life Insurance Company Ltd (SBILIFE) is trading at ₹1,790.00 as of 12 April 2026, with a FY2026-2027 high of ₹2,133 and low of ₹1,431. The stock is currently in the middle of its 52-week range. Market cap stands at ₹1,79,590 Cr..

How does SBI Life Insurance Company Ltd (SBILIFE)'s P/E ratio compare to its industry?

SBI Life Insurance Company Ltd (SBILIFE) has a P/E ratio of 72.4, which is below the industry average of 111.20. This is broadly in line with or below the industry average.

Is SBI Life Insurance Company Ltd (SBILIFE) financially healthy?

Key indicators for SBI Life Insurance Company Ltd (SBILIFE): ROCE of 16.9 % indicates efficient capital utilization; ROE of 15.1 % shows strong shareholder returns. Dividend yield is 0.15 %.

Is SBI Life Insurance Company Ltd (SBILIFE) profitable and how is the profit trend?

SBI Life Insurance Company Ltd (SBILIFE) reported a net profit of ₹2,413 Cr in Mar 2025 on revenue of ₹116,888 Cr. Compared to ₹1,506 Cr in Mar 2022, the net profit shows an improving trend.

Does SBI Life Insurance Company Ltd (SBILIFE) pay dividends?

SBI Life Insurance Company Ltd (SBILIFE) has a dividend yield of 0.15 % at the current price of ₹1,790.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in SBI Life Insurance Company Ltd (SBILIFE). Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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