SBI Life Insurance Company Limited (SBILIFE) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of SBI Life Insurance Company Limited stock ₹204, price ₹1,735, that is 88.2% below the price, quality 47 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range ₹1,005 – ₹2,110 · fair‑value band ₹173.46 – ₹291.07 · the ₹1,735 price screens above the ₹204.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 5, 2026.
Follow SBI Life Insurance Company in your weekly email
Every Wednesday you see whether SBI Life Insurance Company is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
SBI Life Insurance Company Limited operates as a private life insurance company in India.
Show moreShow less
The company's life insurance business comprises individual and group life insurance products, including participating, non-participating, pension, group gratuity, group leave encashment, group superannuation, group immediate annuity, unit-linked and variable insurance products, health, and micro insurance.
It also provides accident and disability benefit, level term, and critical illness insurance products.
In addition, the company offers online savings, protection, retirement, and child life insurance plans, as well as wealth creation with insurance products; and corporate solutions, group loan protection, and group micro insurance plans.
It offers its products through a multi-channel distribution network comprising individual agents, brokers, corporate agents, bancassurance partners, and certified insurance facilitators, as well as through various partner branches. The company was incorporated in 2000 and is based in Mumbai, India.
SBI Life Insurance Company Limited is a subsidiary of State Bank of India.
Stock analysis
SBI Life Insurance Company Limited (SBILIFE) currently trades at ₹1,735, while our model-based Fair Value estimate is ₹204.04, 88% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of ₹265.75 per share, and 0 of the 6 models we run sit above the ₹1,735 price.
Bear case: the Dividend Discount group reads lowest at ₹36.92, and 6 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹173.46 (bear) to ₹291.07 (bull), the price of ₹1,735 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
SBI Life Insurance Company Limited reported revenue of ₹1.1T in FY2026 versus ₹829B in FY2022, a compound +7.8%/yr. Reported net income was ₹24.7B in FY2026, compounding +13.2%/yr from FY2022.
Key figures
Market cap ₹1.7T (≈ $18.4B) Large · P/E ratio 65.6 · P/S ratio 1.43 · EPS (TTM) ₹26.46 · Dividend yield 0.2% · Net margin 2.2% · Return on equity 13.7% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (medium confidence).
What moves the price
The share trades about 18% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −41% fair-value upside, at −88%, SBILIFE screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (₹36.92 to ₹320.05). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear₹173.46Fair Value ₹204.04Bull₹291.07
Price ₹1,735 · Downside -88.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹14.32 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+11.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.1%
Dividend (yield on the price)0.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.1% vs 11.3%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.2% → 2%
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−14.5%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+16.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about −17.9% a year for the price and +11.5% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (5 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Compare SBI Life Insurance Company Limited with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks
Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score47 · Bottom 25%
Fair Value upside−88.2% · Bottom 25%
Profitability
Return on equity (12 months)13.7% · Above median
Return on assets0.5% · Below median
Net margin (12 months)2.2% · Bottom 25%
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)5.9% · Below median
Dividend yield (12 months)0.2% · Bottom 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (12 months)65.6× · Priciest 25%
P/B9.12× · Priciest 25%
P/S (12 months)1.43× · Pricier than median
Price / free cash flow5.1× · Cheaper than median
EV/EBITDA58.0× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 6
FUTURE (revenue growth)30· sector 44
PAST (return on equity)55· sector 52
HEALTH (low debt)100· sector 87
DIVIDEND (yield)3· sector 55
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "SBI Life Insurance Company Limited Fair Value". https://www.fairvalue-calculator.com/stock/SBILIFE
Frequently asked questions
Is SBI Life Insurance Company Limited (SBILIFE) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of ₹204.04 versus a price of ₹1,735, about 88% lower (overvalued).
What is the fair value of SBILIFE?
Our model-based fair value for SBI Life Insurance Company Limited is ₹204.04 (as of Nov 5, 2026), built from audited fundamentals. The current price: ₹1,735.
What is the quality score of SBILIFE?
SBI Life Insurance Company Limited has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SBI Life Insurance Company Limited (SBILIFE)?
Our model-based price target is the fair value of ₹204.04 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario ₹173.46, optimistic scenario ₹291.07. It is a calculation from audited fundamentals, not an analyst target.
What is the SBI Life Insurance Company Limited stock forecast for 2026?
Our models put fair value at ₹204.04, about 88% lower versus a price of ₹1,735 (overvalued). Cautious scenario ₹173.46, optimistic scenario ₹291.07. The calculation is refreshed regularly with new filings.
What is the revenue of SBI Life Insurance Company Limited (SBILIFE)?
SBI Life Insurance Company Limited reported trailing-twelve-month revenue of about ₹1.2T (latest available figure, as of Nov 5, 2026).
Does SBI Life Insurance Company Limited pay a dividend?
SBI Life Insurance Company Limited currently shows a dividend yield of 0.16% relative to its recent price (as of Nov 5, 2026).
What growth is priced into SBI Life Insurance Company Limited (SBILIFE)?
For today's price to be fair in a discounted-cash-flow model, SBI Life Insurance Company Limited would have to grow free cash flow by -14.5 % per year for five years (discount rate 10.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.4 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of SBILIFE use?
Our models discount SBI Life Insurance Company Limited at 10.4 %: a base by market capitalisation (large), damped by beta 0.36, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For SBI Life Insurance Company Limited that is -14.5 % per year a year over ten years, using the same discount rate (10.4 %) and the same formula as our fair value.
How much growth has SBI Life Insurance Company Limited (SBILIFE) delivered so far?
Over the past 5 years revenue at SBI Life Insurance Company Limited grew +6.4 % a year. The price currently implies -14.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of SBI Life Insurance Company Limited (SBILIFE) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into SBI Life Insurance Company Limited (-14.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SBI Life Insurance Company Limited (SBILIFE)?
The free-cash-flow yield on the price is 19.72 %: that much free cash flow SBI Life Insurance Company Limited produces per unit of market value. When it exceeds the discount rate of our models (10.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SBI Life Insurance Company Limited (SBILIFE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SBI Life Insurance Company Limited it is ₹204.04 per share (as of Nov 5, 2026), against a price of ₹1,735. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is SBI Life Insurance Company Limited stock overvalued or undervalued in 2026?
As of Nov 5, 2026, SBILIFE trades above its calculated fair value: price ₹1,735, fair value ₹204.04, a gap of about −88% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SBILIFE?
No. The price is what the market pays today (₹1,735); the fair value is what the company's own numbers justify (₹204.04). For SBI Life Insurance Company Limited the two are ₹1,531 per share apart. That gap is exactly why we show both numbers side by side.
How much is SBI Life Insurance Company Limited worth?
The market values SBI Life Insurance Company Limited at about ₹1.7T (market capitalisation, as of Nov 5, 2026). Per share that is ₹1,735; our models calculate a fair value of ₹204.04 per share.
What do the bullish and bearish scenarios say about SBILIFE?
Our models span a range for SBI Life Insurance Company Limited: cautious scenario ₹173.46, base ₹204.04, optimistic ₹291.07 per share (as of Nov 5, 2026, price ₹1,735). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SBILIFE?
SBI Life Insurance Company Limited trades at a price-to-earnings ratio of 65.6 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹204.04 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2018 to 2026), reported earnings, FY2026 ex one-offs: 64.0. Other multiples: P/B 9.1, P/S 1.4, EV/EBITDA 58.0.
How solid is the balance sheet of SBI Life Insurance Company Limited (SBILIFE)?
Balance-sheet figures for SBI Life Insurance Company Limited (as of Nov 5, 2026): return on equity 13.7%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is SBILIFE from its 52-week high?
SBI Life Insurance Company Limited trades at ₹1,735, about 18% below its 52-week high of ₹2,110 and 6% above the low of ₹1,633 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of ₹204.04 is for.
Which stocks are comparable to SBI Life Insurance Company Limited?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SBI Life Insurance Company Limited stock attractive at the current price?
The data as of Nov 5, 2026: price ₹1,735, calculated fair value ₹204.04 (−88%), Quality Score 47/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SBILIFE calculated?
We run SBI Life Insurance Company Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹204.04, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.6% above its aggregate fair value. SBI Life Insurance Company Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SBI Life Insurance Company Limited (SBILIFE)?
The closing price on Nov 5, 2026 was ₹1,735. Our model-based fair value is ₹204.04, about 88% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SBI Life Insurance Company Limited right now?
The price sits above even our optimistic bull case (₹291.07). The favourable scenario is already priced in. Weak quality (47/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of SBI Life Insurance Company Limited (SBILIFE) come from?
Earnings per share at SBI Life Insurance Company Limited grew +11.1 % a year from 2015 to 2026. Broken into its drivers: revenue per share +19.4 %, EBIT margin −6.8 %, tax rate −0.1 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of SBI Life Insurance Company Limited
How large is the market capitalisation of SBI Life Insurance Company Limited (SBILIFE)?
The market capitalisation of SBI Life Insurance Company Limited is ₹1.7T (≈ $18.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SBI Life Insurance Company Limited (SBILIFE)?
The price-to-sales ratio of SBI Life Insurance Company Limited is 1.43 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SBI Life Insurance Company Limited (SBILIFE)?
Earnings per share at SBI Life Insurance Company Limited are ₹26.46 (price ÷ EPS = P/E 65.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SBI Life Insurance Company Limited (SBILIFE)?
The dividend yield of SBI Life Insurance Company Limited is 0.2% (payout 10.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SBI Life Insurance Company Limited (SBILIFE)?
The net margin of SBI Life Insurance Company Limited is 2.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SBI Life Insurance Company Limited (SBILIFE)?
The return on equity (ROE) of SBI Life Insurance Company Limited is 13.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SBI Life Insurance Company Limited (SBILIFE)?
On an EBIT basis the return on assets of SBI Life Insurance Company Limited is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at SBI Life Insurance Company Limited (SBILIFE)?
Revenue at SBI Life Insurance Company Limited is growing +5.9% versus a year earlier (3y avg +11.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SBI Life Insurance Company Limited (SBILIFE)?
Earnings per share at SBI Life Insurance Company Limited are growing +11.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does SBI Life Insurance Company Limited (SBILIFE) hold?
SBI Life Insurance Company Limited holds more cash than debt, ₹32.1B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch SBI Life Insurance Company Limited in the live analysis
One click puts SBI Life Insurance Company Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Thin data
Nov 5, 2026