SBILIFE.NS SBI Life Insurance Company Limited
INR·Price 1809.80·Mkt cap 1.82TComputed from the latest reported financials and the current market price.
Who's the real player?
A genuine play on this theme — most of its business sits right here.
Is the business healthy?
Healthy business: it turns profit into real cash and earns solid returns on capital.
- Perfect cash flow quality
- Strong free cash flow conversion
- No obvious financial manipulation
Are the smart people buying?
No ownership-change data for this stock. The score reflects heavy growth investment (capex) and buybacks, not visible insider buying.
- Strong promoter/insider ownership
- High capex growth
What is management saying?
No earnings-call transcript or filings found for this stock.
Is the price right?
Intrinsic value 4892.74 vs price 1809.80 — screens cheap on a cash-flow DCF (170.3% to intrinsic). The base DCF growth of 6.29% seems more reasonable than the negative implied growth, suggesting the market's expectations are overly pessimistic.
| Intrinsic / share | 4892.74 |
| Price | 1809.80 |
| Upside to intrinsic | 170.3% |
| Reverse-DCF implied g | -8.1% |
Base FCF 295.95B · growth 6.3% · discount 12.0% · terminal 5.0%.
Sensitivity — intrinsic value / share
Each cell is the intrinsic value at that growth (across →) and discount rate (down ↓). Center ★ is the base case. Cells green = above price (cheap), red = below (expensive).
| Growth rate → | |||||
|---|---|---|---|---|---|
| Disc ↓ ╲ g | 2% | 4% | 6% | 8% | 10% |
| 10% | 5050.2 | 5895.22 | 6884.32 | 8040.05 | 9388.03 |
| 11% | 4247.59 | 4927.91 | 5721.94 | 6647.28 | 7723.93 |
| 12% | 3672.55 | 4236.46 | ★ 4892.74 | 5655.57 | 6541.01 |
| 13% | 3239.85 | 3717.45 | 4271.73 | 4914.32 | 5658.43 |
| 14% | 2902.14 | 3313.43 | 3789.43 | 4339.87 | 4975.77 |
Through the masters' eyes
Each investor's numeric rules, checked against this stock's metrics: exact math, no guesswork. Tap one to see which rules pass, fail, and what to judge yourself.
Financial statements (INR)
↗ sourceCash-flow lines highlighted — we trust cash over reported profit.
| Line | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | 1.12T | 1.17T | 1.31T | 806.39B | — |
| Operating income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| Net income | 24.70B | 24.13B | 18.94B | 17.21B | — |
| Operating cash flow | — | — | — | — | — |
| Capex | -1.85B | -1.06B | -1.14B | -632.01M | — |
| Free cash flow | 343.38B | 254.40B | 290.07B | 285.93B | — |
| Total assets | 5.00T | 4.57T | 3.98T | 3.15T | — |
| Total equity | 190.86B | 169.85B | 149.09B | 130.17B | — |
| Total debt | — | — | — | — | — |
| Cash & equivalents | 32.08B | 17.84B | 47.41B | 15.91B | — |