AACCE Investments
ScreenerStocksIndicesPicksETFsBlogPricing

© 2026 ACCE Investments. All rights reserved.

ACCE Investments - Institutional-grade stock research for retail investors | BetaList
IndicesStocksETFsScreenerBlogGlossaryCompareMarket dataAdvisors
TermsPrivacyCookiesDisclaimerLegal noticeProfessional termsAboutContact
SBILIFE.NS
ACCE-researched

SBI Life Insurance Company Limited (SBILIFE.NS) fair value

Financial Services · Insurance - Life · NSE · India
₹1640.00-0.18%
Market cap ₹1.65TNext earnings 2026-10-27Updated Oct 23, 2026
Our verdict
Trades 364% above our fair value
Price
₹1640.00
Model fair valueConfidence: low
about ₹354
Built from weaker models, sales multiples or analyst targets, so treat it as a rough guide.
Not used by alerts or posts.
Valued as an insurer: P/E comparison.
ACCE opinionSBI Life Insurance Company Limited (SBILIFE.NS)
Fair value
Not available
ACCE price target
₹1553
Rating
Not rated
Horizon
12 months
ACCE price target published on 22 Oct 2026, 16:00 CEST.
Price used: ₹1640 at the close on 23 Oct 2026, 12:00 CEST.
Models: P/E comparison.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Full methodology
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
ACCE score
37
out of 100
P/E
63.3x
forward 47.5x
1-year return
-11.5%
Dividend yield
0.16%

SBI Life Insurance Company Limited in four questions

Plain answers, details below
Free accounts get 5 full stock pages a month, including the four answers.
OverviewAsk ACCEValuationQualityAnalystsSmart MoneyCompareNews and Record

Overview

ACCE thesis

SBI Life Insurance writes individual and group life insurance, retirement and savings products, and annuities through its bancassurance tie-up with State Bank of India, alongside a growing agency and digital channel. The franchise's edge is distribution: SBI's branch network gives it access to a very large base of retail savers in India's underpenetrated life insurance market, which is hard for a new entrant to replicate. Revenue growth of 18.8% is running well ahead of what a mature insurer would normally post, driven by rising premium volumes and a shift toward higher-value protection and retirement products. The valuation is the real question: at 63x trailing earnings and 47.6x forward, the stock prices in sustained growth, and ROE of 13.7% is modest for a business at that multiple, so the case rests on margin expansion and persistence of volume growth. Worth a deeper look if you believe India's protection penetration story and the bancassurance channel can keep compounding faster than the multiple already assumes.

AI-assisted·How I use AIWritten Oct 23, 2026
⚠ Investor warnings · 2 flagsAI-assisted·How I use AI
  • moderate
    Rich valuation multiples
    P/E of 63.4 and EV/EBITDA of 56.0 leave little room for earnings to disappoint. The stock trades 5.6% above the ACCE price target of ₹1553.00.
  • moderate
    Thin operating margin
    Operating margin is 1.7% and net margin 2.1% against 9.7% gross margin, so most revenue is absorbed by costs before reaching profit.

AI research notes

AI-assisted·How I use AIWritten Oct 22, 2026 · figures from 2026-10-22 · prices to Oct 23, 2026
Why it could do well
  • Revenue grew 18.8% over the last year, well ahead of its 11.5% average annual pace over five years.
  • Earnings beat expectations last quarter, with EPS of 7.22 against 6.81 expected, a 6.0% surprise.
  • Analysts' mean price target of INR 2291.39 implies 39.5% upside from the current share price.
Why it could disappoint
  • Net margin is only 2.1%, so most revenue is not converted into profit for shareholders.
  • At 47.6x forward earnings the shares look expensive for a business earning a 13.7% return on equity.
  • The shares trade 5.6% above the ACCE price target of ₹1553.00, so the price already exceeds our own estimate.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.

Walk me through this stock

Plain-English pros, cons, and what to watch. Pro feature.

PRO

Ask ACCE

Valuation

INVESTOR
Where SBILIFE.NS's valuation models land
Price
₹1640.00
Model fair valueConfidence: low
about ₹354
Model
Fair value
Upside
P/E comparison
Create a free account: 5 full stock pages a month, no card.

See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.

Quality

INVESTOR
Quality and conviction INVESTOR FEATURE

The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.

  • +A plain reason under every score
  • +Conviction breakdown and growth / value / quality / momentum scores
  • +Score history: how each score moved over time

Analysts

Wall Street consensus

No analyst coverage yet.
Analyst intelligence INVESTOR FEATURE

The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.

  • +Price-target low / average / high vs the current price, with implied upside
  • +Forward revenue and EPS consensus by fiscal year
  • +ACCE fair-value models lined up against the Street

Smart Money

PRO

In one line

Trades are only made public after a delay. We show the delay so you know how old the news is.

Company insiders
No trades filed
Last 90 days
Congress
No trades filed
Last 180 days
Average delay
No trades filed
From trade to public filing
Do politicians beat the market? Our backtest →
Smart money tracking PRO FEATURE

Follow the informed money: 13F position changes, insider and Congress trades, and 13D activist filings.

  • +Quarter-over-quarter institutional position changes
  • +Every insider and Congress trade, with how late it was disclosed
  • +Active 13D activist filings and top holders

Compare

Where it sits vs peers

News and Record

Recent performance

1 week
-1.0%
1 month
-6.8%
3 months
-11.8%
6 months
-7.3%
YTD
-19.6%
1 year
-11.5%

Recommendation history, last 12 months

DateTypeNewPreviousPrice
22 Oct 2026, 16:00 CESTACCE price target₹1553first publication₹1643

This analysis is not personalised investment advice and does not take your situation, objectives or risk tolerance into account. ACCE Investments is not an authorised investment firm.

Investing in shares carries a risk of losing capital. The value of an investment can go down as well as up.

This security trades in INR. Exchange-rate movements can increase or reduce the result in your own currency.

Valuation horizon: 12 months from the publication date.

Conflicts of interest. ACCE Investments is operated by Adrien Chantreuil, who may hold personal positions in the securities analysed. Positions are declared on each security. ACCE receives no payment from the companies analysed or from any intermediary for this analysis.

Get the full SBILIFE.NS page, free

Every model, the scenarios, fair value history, AI notes and the four questions. 5 full stock pages every month on the free plan, no card.

Free accounts get 5 full stock pages a month, including the full page.

Snapshot

Growth80Value8Quality35Momentum25Total37
Valuation
Trailing P/E
63.3x
Forward P/E
47.5x
PEG
2.90
P/B
no data
EV / Revenue
no data
Book value/sh
no data
Enterprise value
no data
Profitability
ROE
13.7%
FCF yield
no data
ROIC
no data
Health and risk
Debt / equity
no data
Dividend yield
0.16%
Beta
no data

Price

-10.9% · 1Y

Ask anything about SBILIFE.NS

Answered from SBI Life Insurance Company Limited fundamentals + recent valuations. Every number shows its source and date.

This stock Peer Peer median weaker → stronger
P/Ebetter than 0% of peers
low 0.0x63.3xhigh 63.3x
ROEbetter than 80% of peers
low -32%14%high 21%
Div yieldbetter than 17% of peers
low 0.0%0.2%high 6.2%

Peers

Prices Oct 23, 2026
CompanyPriceFair valuevs fair valueP/EROEQualityScore
SBILIFE.NS SBI Life Insurance Company Limited₹1640.00--63.3x13.7%3537
8795.T T&D Holdings, Inc.¥4800.00¥295762% above16.3x9.3%6469
UNM Unum Group Common Stock$90.28$8112% above21.1x6.3%5657
GL Globe Life Inc. Common Stock$154.79$18918% below11.4x20.9%7669
SDLF.L Standard Life plc£9.13£737% above--31.9%3161
HDFCLIFE.NS HDFC Life Insurance Company Limited₹523.75--55.3x11.3%3937
LICI.NS Life Insurance Corporation of India₹381.50₹3693% above8.0x-5565

Sector report card

Where SBILIFE.NS ranks against its sector peers on each metric.

Computing percentiles…