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

Q: 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 1,820.00 as of 04 May 2026, with a FY2026-2027 high of 2,133 and low of 1,663. The stock is currently in the middle of its 52-week range. Market cap stands at 1,82,479 Cr..

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

Key indicators: ROCE of 15.0 % is moderate. Dividend yield is 0.15 %.

Fair Value

₹1,541.20Overvalued by 15.32%vs CMP ₹1,820.00

P/E (73.9) × ROE (13.7%) × BV (₹190.00) × DY (0.15%)

₹588.95Overvalued by 67.64%vs CMP ₹1,820.00

MoS: -209% (Negative)Confidence: 66/100 (Moderate)Models: 1 Fair, 9 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹1,702.15	20%	Fair (-6.5%)
Graham Number	Earnings	₹325.15	15%	Over (-82.1%)
Earnings Power	Earnings	₹162.21	12%	Over (-91.1%)
DCF	Cash Flow	₹418.26	12%	Over (-77%)
Net Asset Value	Assets	₹182.49	7%	Over (-90%)
EV/EBITDA	Enterprise	₹342.30	8%	Over (-81.2%)
Dividend Discount	Dividends	₹137.50	8%	Over (-92.4%)
Earnings Yield	Earnings	₹247.30	7%	Over (-86.4%)
ROCE Capital	Returns	₹12.01	7%	Over (-99.3%)
Revenue Multiple	Revenue	₹1,165.81	5%	Over (-35.9%)
Consensus (10 models)		₹588.95	100%	Overvalued

Key Drivers: Wide model spread (₹12–₹1,702) — 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

Analyst Summary

SBI Life Insurance Company Ltd (SBILIFE) operates in the Finance - Life Insurance segment, NSE: SBILIFE | BSE: 540719, current market price is ₹1,820.00, market cap is 1,82,479 Cr.. At a glance, stock P/E is 73.9, ROE is 13.7 %, ROCE is 15.0 %, book value is 190, dividend yield is 0.15 %. The latest intrinsic value estimate is ₹588.95, around 67.6% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹116,888 Cr versus the prior period change of -11.4%, while latest net profit is about ₹2,413 Cr with a prior-period change of 27.4%. The 52-week range shown on this page is 2,133/1,663, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisSBI 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 Numbe…

This summary is generated from the stock page data available for SBI Life Insurance Company Ltd (SBILIFE): Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

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 15.0% GoodROE 13.7% 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 73.9 vs industry 116.8 Cheaper than peersROCE 15.0% 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: May 5, 2026, 12:58 am

Market Cap	1,82,479 Cr.
Current Price	1,820
Intrinsic Value	₹579.06
High / Low	2,133/1,663
Stock P/E	73.9
Book Value	190
Dividend Yield	0.15 %
ROCE	15.0 %
ROE	13.7 %
Face Value	10.0
PEG Ratio	7.08

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

Stock P/E Current Price Intrinsic Value

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)	1,82,479 Cr.	1,820	2,133/1,663	73.9	190	0.15 %	15.0 %	13.7 %	10.0
HDFC Life Insurance Company Ltd	1,26,999 Cr.	588	821/555	66.4	82.3	0.36 %	10.3 %	11.3 %	10.0
ICICI Prudential Life Insurance Company Ltd	77,689 Cr.	536	707/491	48.3	94.0	0.16 %	10.1 %	12.6 %	10.0
Max Financial Services Ltd	55,432 Cr.	1,607	1,892/1,247	386	154	0.00 %	8.13 %	7.26 %	2.00
Life Insurance Corporation of India	5,07,265 Cr.	802	980/722	9.57	224	1.50 %	53.1 %	45.7 %	10.0
Industry Average	189,972.80 Cr	1,070.60		116.83	148.86	0.43%	19.33%	18.11%	8.40

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

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Sales	26,817	21,296	27,895	28,805	39,033	36,255	34,654	40,302	18,862	23,071	38,996	23,115	46,133
Expenses	26,483	22,197	27,471	28,392	38,681	37,043	34,060	39,696	18,266	23,520	38,333	22,600	45,517
Operating Profit	333	-901	424	413	352	-788	594	606	596	-449	664	516	615
OPM %	1%	-4%	2%	1%	1%	-2%	2%	2%	3%	-2%	2%	2%	1%
Other Income	13	1,723	9	12	18	1,639	3	-4	-3	1,350	-8	16	27
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	346	822	433	424	370	851	597	601	594	901	656	532	642
Tax %	12%	5%	12%	10%	13%	5%	13%	12%	7%	10%	9%	7%	10%
Net Profit	304	777	381	380	322	811	520	529	551	814	594	495	577
EPS in Rs	3.04	7.76	3.81	3.80	3.21	8.10	5.19	5.28	5.50	8.12	5.93	4.93	5.75

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

Quarterly Chart

Profit & Loss - Annual Report

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

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	17,258	23,299	19,324	30,548	34,068	44,604	43,798	81,913	82,983	80,636	131,988	116,888	131,315
Expenses	16,747	22,505	18,404	29,479	32,736	43,130	42,447	81,040	82,254	78,713	129,884	114,112	129,970
Operating Profit	511	794	920	1,068	1,332	1,474	1,351	872	730	1,923	2,104	2,776	1,346
OPM %	3%	3%	5%	4%	4%	3%	3%	1%	1%	2%	2%	2%	1%
Other Income	344	183	129	139	156	266	529	867	1,032	51	50	0	1,385
Interest	5	4	5	5	6	8	0	0	0	0	0	0	0
Depreciation	35	34	37	48	59	92	89	99	75	68	76	84	0
Profit before tax	816	939	1,007	1,154	1,422	1,642	1,790	1,640	1,687	1,906	2,078	2,693	2,731
Tax %	11%	13%	16%	17%	19%	19%	21%	11%	11%	10%	9%	10%
Net Profit	728	815	844	955	1,150	1,327	1,422	1,456	1,506	1,721	1,894	2,413	2,479
EPS in Rs	7.28	8.15	8.44	9.55	11.50	13.27	14.22	14.56	15.05	17.19	18.91	24.08	24.73
Dividend Payout %	14%	15%	14%	16%	17%	15%	0%	17%	13%	15%	14%	11%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
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

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,001	1,001	1,002	1,003
Reserves	2,356	3,056	3,733	4,552	5,528	6,576	7,743	9,400	10,622	12,017	13,907	15,983	17,294
Borrowings	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Other Liabilities	57,284	70,064	78,696	96,687	115,193	139,157	156,837	216,430	261,715	301,582	383,369	440,110	471,645
Total Liabilities	60,640	74,121	83,429	102,240	121,720	146,734	165,580	226,830	273,337	314,599	398,277	457,095	489,941
Fixed Assets	304	292	301	507	511	563	568	564	919	520	551	580	632
CWIP	4	7	146	31	70	32	13	1	3	1	6	10	-0
Investments	56,275	69,385	77,843	95,830	114,436	139,325	158,813	218,756	264,437	304,334	385,590	447,467	480,726
Other Assets	4,058	4,437	5,139	5,871	6,703	6,814	6,186	7,509	7,978	9,743	12,130	9,038	8,583
Total Assets	60,640	74,121	83,429	102,240	121,720	146,734	165,580	226,830	273,337	314,599	398,277	457,095	489,941

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	2,711	5,778	8,525	10,395	13,473	19,299	23,878	21,852	28,656	29,122	25,547	34,523
Cash from Investing Activity +	-178	-7,204	-9,032	-8,910	-13,552	-16,986	-19,203	-21,611	-30,203	-31,221	-21,789	-35,318
Cash from Financing Activity +	-117	-144	-144	-221	-241	-198	3	-231	-415	-227	-215	-179
Net Cash Flow	2,416	-1,570	-651	1,264	-321	2,114	4,677	10	-1,962	-2,327	3,543	-974
Free Cash Flow	2,687	5,600	8,377	10,288	13,325	19,210	23,763	21,785	28,581	29,008	25,441	34,338
CFO/OP	341%	628%	798%	780%	955%	1,473%	2,802%	3,094%	1,532%	1,426%	956%	4,745%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	511.00	794.00	920.00	1.00	1.00	1.00	1.00	872.00	730.00	1.00	2.00	2.00

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

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	-2	0	-6	3	3	4	11	1	-3	1	4	2
ROCE %	27%	25%	23%	23%	24%	22%	22%	17%	15%	15%	15%	17%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 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	3,74,674	3,58,088	3,49,407	3,38,525	3,35,114	3,45,541	3,35,864	3,74,916	3,63,505	3,55,321	3,57,764	3,52,496

Shareholding Pattern Chart

No. of Shareholders

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

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
HDFC Flexi Cap Fund	20,000,000	4.1	3997	N/A	N/A	N/A
ICICI Prudential Value Fund	9,583,134	3.17	1915.19	9,681,384	2025-12-15 04:37:11	-1.01%
ICICI Prudential India Opportunities Fund	5,887,470	3.35	1176.61	5,382,467	2026-02-23 00:48:04	9.38%
ICICI Prudential Large Cap Fund	5,664,267	1.48	1132	5,817,373	2026-01-26 07:02:50	-2.63%
HDFC Focused Fund	4,700,000	3.57	939.3	N/A	N/A	N/A
HDFC ELSS Tax Saver Fund	4,500,000	5.37	899.33	N/A	N/A	N/A
HDFC Balanced Advantage Fund	4,240,064	0.79	847.38	4,938,689	2026-02-23 00:48:04	-14.15%
ICICI Prudential Balanced Advantage Fund	3,720,881	1.06	743.62	3,540,522	2026-02-23 00:30:02	5.09%
ICICI Prudential Banking and Financial Services	3,236,415	5.91	646.8	3,016,205	2026-02-23 00:48:04	7.3%
Nippon India Large Cap Fund	3,142,885	1.25	628.11	3,842,885	2026-02-23 00:48:04	-18.22%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	24.09	18.92	17.19	15.06	14.56
Diluted EPS (Rs.)	24.07	18.90	17.18	15.04	14.55
Cash EPS (Rs.)	24.92	19.67	17.87	15.06	14.56
Book Value[Excl.RevalReserv]/Share (Rs.)	169.49	148.87	130.06	116.18	131.26
Book Value[Incl.RevalReserv]/Share (Rs.)	169.49	148.87	130.06	116.18	131.26
Dividend / Share (Rs.)	2.70	2.70	2.50	2.00	2.50
Revenue From Operations / Share (Rs.)	1166.39	1317.95	805.63	829.52	819.07
PBDIT / Share (Rs.)	30.36	23.54	21.31	25.89	17.77
PBIT / Share (Rs.)	29.52	22.77	20.63	25.89	17.77
PBT / Share (Rs.)	29.41	22.68	20.53	25.79	17.68
Net Profit / Share (Rs.)	24.08	18.91	17.19	15.05	14.56
PBDIT Margin (%)	2.60	1.78	2.64	3.12	2.16
PBIT Margin (%)	2.53	1.72	2.56	3.12	2.16
PBT Margin (%)	2.52	1.72	2.54	3.10	2.15
Net Profit Margin (%)	2.06	1.43	2.13	1.81	1.77
Return on Networth / Equity (%)	14.20	12.70	13.21	12.95	11.09
Return on Capital Employeed (%)	0.65	0.58	0.66	0.96	0.79
Return On Assets (%)	0.52	0.47	0.54	0.55	0.64
Asset Turnover Ratio (%)	0.27	0.37	0.27	0.33	0.41
Current Ratio (X)	1.39	2.13	1.85	1.48	1.69
Quick Ratio (X)	1.39	2.13	1.85	1.48	1.69
Dividend Payout Ratio (NP) (%)	11.21	14.27	14.54	13.28	17.17
Dividend Payout Ratio (CP) (%)	10.83	13.72	13.99	13.28	17.17
Earning Retention Ratio (%)	88.79	85.73	85.46	86.72	82.83
Cash Earning Retention Ratio (%)	89.17	86.28	86.01	86.72	82.83
Interest Coverage Ratio (X)	265.96	258.09	211.52	258.66	213.63
Interest Coverage Ratio (Post Tax) (X)	234.23	229.60	186.42	166.49	191.47
Enterprise Value (Cr.)	153289.65	145268.63	105898.47	108857.30	85345.72
EV / Net Operating Revenue (X)	1.31	1.10	1.31	1.31	1.04
EV / EBITDA (X)	50.38	61.63	49.65	42.02	48.02
MarketCap / Net Operating Revenue (X)	1.33	1.14	1.36	1.35	1.08
Retention Ratios (%)	88.78	85.72	85.45	86.71	82.82
Price / BV (X)	9.13	10.06	8.46	9.64	6.71
Price / Net Operating Revenue (X)	1.33	1.14	1.36	1.35	1.08
EarningsYield	0.01	0.01	0.01	0.01	0.01

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. 112315.46 Cr. and Equity Capital is Rs. 1003.09 Cr. for the Year ended 31/03/2026.

INDUSTRY	ADDRESS	CONTACT
Finance - Life Insurance	'Natraj', M V Road, Western Express Highway Junction, Mumbai Maharashtra 400069	Contact not found

Management
Name	Position Held
Mr. Challa Sreenivasulu Setty	Chairman
Mr. Amit Jhingran	Managing Director & CEO
Mr. Shobinder Duggal	Independent Director
Ms. Usha Sangwan	Independent Director
Mr. Narayan K Seshadri	Independent Director
Dr. Tejendra Mohan Bhasin	Independent Director
Mr. Venugopal Bhaskaran Nayar	Independent Director
Mr. Ashwini Kumar Tewari	Nominee Director

FAQ

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

As of 04 May 2026, SBI Life Insurance Company Ltd (SBILIFE)'s intrinsic value is ₹588.95, which is 67.64% lower than the current market price of ₹1,820.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (13.7 %), 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 ₹1,820.00 as of 04 May 2026, with a FY2026-2027 high of ₹2,133 and low of ₹1,663. The stock is currently in the middle of its 52-week range. Market cap stands at ₹1,82,479 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 73.9, which is below the industry average of 116.83. 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 15.0 % is moderate. 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 ₹1,820.00. The company pays dividends, though the yield is modest.