Unclassified · NSE: SBILIFE
SBI Life Insurance share analysis
Fair value, business quality, the case for and against, and the risks — computed by VestCall from reported data, updated 14 October 2026.
SBI Life Insurance in one paragraph
SBI Life Insurance (NSE: SBILIFE) was trading at ₹1,669 on 14 October 2026. VestCall scores its business health 60/100 (adequate). On valuation, the price sits in the “Valuation Premium” zone (₹1,608.86 and above) — above the modelled fair-value range. This is a reading of the evidence, not a buy or sell recommendation.
- Share price₹1,669
- Business health60/100
- Growth49/100
- Financial strength68/100
- Valuation70/100 · Fair
- Valuation zoneValuation Premium
- RiskMedium
Is SBI Life Insurance overvalued or undervalued?
At ₹1,669, SBI Life Insurance sits in VestCall’s “Valuation Premium” zone (₹1,608.86 and above): above the modelled fair-value range. Its valuation scores 70/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
| Valuation zone | Price band | What it means |
|---|---|---|
| Deeply Discounted | ₹1,373 – ₹1,452.26 | Furthest below the modelled fair-value range |
| Attractive Valuation | ₹1,452.26 – ₹1,566.12 | Below the modelled fair-value range |
| Fairly Valued | ₹1,566.12 – ₹1,608.86 | Inside the modelled fair-value range |
| Valuation Premium (current) | ₹1,608.86 and above | Above the modelled fair-value range |
The case for and against SBI Life Insurance
What supports the case
- Shareholding Quality · 86/100.
- Financial Strength · 68/100.
- Management Stability · 67/100.
What needs proof
- Business Quality · 27/100.
- Growth · 59/100.
SBI Life Insurance key ratios
| Ratio | SBI Life Insurance | Unclassified median |
|---|---|---|
| P/E | 2.91x | — |
| P/S | 0.44x | — |
| Operating margin | 2.9% | — |
| Net margin | 2.2% | — |
| Current ratio | 1.39x | — |
SBI Life Insurance growth
Growth scores 49/100, with a stable trend, measured Dec 2022 to Dec 2025.
| Measure | Reading |
|---|---|
| Revenue CAGR | 11.4% |
| Net profit CAGR | 12.8% |
| EPS CAGR | 16.9% |
| Revenue growth, latest year | -3.5% |
| Profit growth, latest year | 2.4% |
SBI Life Insurance bull, base and bear case
Modelled annual return under three sets of stated assumptions over 5 years. These are model outputs, not a forecast or a promise of return.
| Scenario | Modelled CAGR | Weight | Assumption |
|---|---|---|---|
| Bear | +0.0% | 19% | Growth decelerates to 4% and the multiple de-rates toward the cohort's trough. |
| Base | +11.2% | 55% | Earnings compound near the measured 11.2% and the multiple drifts toward its quality-adjusted warranted level. |
| Bull | +19.2% | 26% | Growth holds at 15.7% and the market pays the full premium the measured quality supports. |
Risks to watch in SBI Life Insurance
| Review trigger | Current | Threshold | Status |
|---|---|---|---|
| Revenue growth falls below the thesis floor | 11.45% | below 8% | high · armed |
| Promoter holding drops materially | 55.32% | below 52.33%, 3 points under the Mar 2026 filing | high · armed |
| Price runs more than two sigma above its own trend | 1669 | at or above 2618.37 | medium · armed |
| Drawdown from the 52-week high exceeds tolerance | 20.89% | at or beyond 25% | low · armed |
| Return on equity falls below the quality floor | ROE not reported | below 15% | high · unmeasurable |
| Leverage doubles from the level underwritten today | No leverage line in the balance sheet | unavailable | high · unmeasurable |
| Promoter pledge rises above tolerance | No pledge disclosed (the NSE filing for SBILIFE could not be read either (nse_session_unavailable)) | above 10% | high · unmeasurable |
| Valuation reaches the top of its own cohort | No cohort multiple to rank against | at or above the 95th percentile | medium · unmeasurable |
An armed trigger is watched and has not fired; a breached one has.
How SBI Life Insurance shares have traded
| Measure | Reading |
|---|---|
| 52-week range | ₹1,654.1 – ₹2,109.6 |
| Distance from 52-week high | −20.9% |
| Return, 3 months | −9.3% |
| Return, 12 months | −5.8% |
| Trend | Downtrend |
| Annualised volatility | 22.4% |
| Deepest drawdown, 2 years | −28.2% |
Questions about SBI Life Insurance shares
Is SBI Life Insurance overvalued or undervalued?
At ₹1,669, SBI Life Insurance sits in VestCall’s “Valuation Premium” zone (₹1,608.86 and above): above the modelled fair-value range. Its valuation scores 70/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
Is SBI Life Insurance fundamentally strong?
VestCall scores SBI Life Insurance’s business health 60/100 (adequate). The strongest measured pillars are shareholding quality and financial strength. The ones that need proof are business quality and growth. Each pillar is computed from reported financials, and a pillar whose inputs were not reported is excluded rather than scored as zero.
What is SBI Life Insurance’s P/E ratio?
SBI Life Insurance trades at a P/E of 2.91x, on VestCall’s latest read. A multiple only means something against the business it buys: the quality-adjusted fair value on this page weighs it against SBI Life Insurance’s returns and growth.
What are the risks of investing in SBI Life Insurance?
The review triggers VestCall watches for SBI Life Insurance are: revenue growth falls below the thesis floor (revenue cagr below 8%); promoter holding drops materially (promoter holding below 52.33%, 3 points under the Mar 2026 filing); price runs more than two sigma above its own trend (price vs 200-day average at or above 2618.37). On the fundamentals, business quality is the weakest measured pillar at 27/100. A trigger is a named condition that would change the reading, published so the case against the stock is as visible as the case for it.
Is this a recommendation to buy or sell SBI Life Insurance?
No. VestCall states where SBI Life Insurance’s price sits against modelled value, what supports the case and what would break it, with every figure sourced. It does not issue buy, sell or hold calls or price targets. Vestmind is not a SEBI-registered investment adviser or research analyst, and nothing on this page is personalised investment advice.
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