Sbi Life Insurance Co Ltd

SBILIFE NSE Financial Services Life Insurance
Nifty 50 Nifty 100 Nifty 200 Nifty 500 LargeMid 250 F&O
₹1,684.70
-0.93%
Delayed · cached 15 min

Fair value analysis

SBILIFE
Sbi Life Insurance Co Ltd
Financial Services›Life Insurance
₹1,700.60
Close used for this calculation
₹885.34Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
31/100
Profitability13/25
Returns5/25
Balance Sheet11/25
Efficiency2/25
Growth6/25
Weak
Quality radar
31Prof.13/25Ret.5/25Eff.2/25B.Sht11/25Growth6/25

Consensus fair value

₹885.34
Above FV
▼ -47.9% against the close used
Model range ₹161.04 – ₹1,518.44
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹161.04Fair value₹885.34Bull₹1,518.44
FairClose
52-week traded range
52W low ₹1,684.0052W high ₹2,109.60

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

Sbi Life Insurance Co Ltd closed at ₹1,700.60, 92.1% above the consensus fair value of ₹885.34 drawn from 9 valuation models.

Financial DNA score 31/100 — Weak. P/E of 65.0x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹488.88
-71.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹344.09
-79.8%
√(22.5 × EPS × BVPS)
EPS=24.63, BVPS=213.64 · outside Graham range (P/E 65, P/B 8) — asset-light, treat as a rough floor
Graham Formula
₹775.32
-54.4%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=12.7%, FD=7%
P/E Fair Value
₹1,518.44
-10.7%
EPS × 61.65x (sector P/E)
EPS=24.63, Sector P/E=61.65x
Peter Lynch (PEG)
₹312.80
-81.6%
EPS × Growth% (PEG = 1 is fair)
EPS=24.63, g=12.7%
EV/EBITDA
₹161.04
-90.5%
(EBITDA × 16.4x − Net Debt) ÷ Shares
EBITDA=9.79B
Book Value (P/B)
₹411.26
-75.8%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=213.64, ROE=13.7%, g=6%, r=10%
Reverse DCF
₹1,700.60
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 24% | Historical: 12.7%
Margin of Safety
₹586.26
-65.5%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=781.68, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.