SBI Life Insurance Company Limited
Momentum (53/100) does the heavy lifting; valuation (1/100) is the drag.
ExpensiveOvervaluedSBI Life Insurance Company Limited earns a Strong Sell from StocksWizard, with a blended score of 28/100. We put fair value near ₹941; at ₹1,882 that leaves roughly 50% downside, so the stock screens overvalued by 50%. On 75.4x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 11% below its 52-week high of ₹2,106.67 and 10% above the low of ₹1,706. Financial health scores 41/100, with a Piotroski F-score of 3/9. The average analyst target of ₹2,334.03 implies about 24% upside across 37 analysts. It clears 3 of 11 investability checks, with durability 43, valuation 1 and momentum 53 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹752.8.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-10.66% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Sell28Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.7%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -82%
- Fail: Earnings growing: -1%
- Fail: Net margin ≥ 10%: 2.2%
- Pass: Current ratio > 1.5: 1.55
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter58.7%
- Institutions30.9%
- Public & other10.4%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (3/9).
Threats
- Earnings contracting year on year.
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About SBI Life Insurance Company Limited
SBI Life Insurance Company Limited provides individual and group life insurance products in India, including participating and non-participating policies, pension plans, unit-linked insurance, health coverage, and micro insurance. The company also offers group products such as gratuity, leave encashment, superannuation, and immediate annuity plans, along with accident, disability, level term, and critical illness benefits.
SBI Life Insurance Company Limited — frequently asked questions
Is SBI Life Insurance Company Limited a buy, hold or sell?
StocksWizard currently rates SBI Life Insurance Company Limited (SBILIFE) a Strong Sell, based on a blended score of 28/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is SBI Life Insurance Company Limited's fair value?
Our blended DCF and relative-valuation model estimates SBI Life Insurance Company Limited's fair value at about ₹941, versus a current price of ₹1,882 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is SBI Life Insurance Company Limited financially healthy?
SBI Life Insurance Company Limited scores 41/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has SBI Life Insurance Company Limited's share price performed?
SBI Life Insurance Company Limited is up 3% over three months, and last traded at ₹1,882. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.