SBILIFE
Sbi Life Insurance Company Limited
Each stock's 10,000-path forecast, rendered as light.
Sbi Life Insurance Company Limited (SBILIFE) Stock Analysis & Case Study
Is SBILIFE a good buy? The data-driven verdict.
Sbi Life Insurance Company Limited (SBILIFE) trades at ₹1,862,on the numbers it mixed signals, a Downstox Snapshot Score of 52/100.
On the numbers, Sbi Life Insurance Company Limited (SBILIFE) mixed signals, a Downstox Snapshot Score of 52/100, weighing expensive at 71.3× earnings, ROE of 13.7%, a 67% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
SBILIFE fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How SBILIFE ranks against the 2,373 companies in our screener
- SBILIFE's market cap of 1.86L Cr ranks in the top 2% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBILIFE's book value of ₹201 ranks in the 72nd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBILIFE's promoter holding of 55.3% ranks in the 42nd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBILIFE's 3-year profit (PAT) growth of 13.0% ranks in the 46th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SBILIFE's 3-year revenue growth of 12.0% ranks in the 55th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for SBILIFE, as of 9 Aug 2026, so it is not ranked here.
Is SBILIFE overvalued? SBILIFE P/E vs its Insurance
SBILIFE's P/E of 71.3× sits above the Insurance peer median of 24.2×, so on earnings it screens richer than peers, while its 0.15% dividend yield is below the peer median of 0.45%.
SBILIFE share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 8.7y of SBILIFE history (11%/yr drift, 22%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| SBILIFE 2027 | ₹1,556 | ₹2,048 | ₹2,696 | +10% |
| SBILIFE 2028 | ₹1,526 | ₹2,260 | ₹3,347 | +22% |
| SBILIFE 2029 | ₹1,539 | ₹2,495 | ₹4,044 | +34% |
| SBILIFE 2030 | ₹1,569 | ₹2,753 | ₹4,830 | +48% |
| SBILIFE 2031 | ₹1,637 | ₹3,039 | ₹5,641 | +64% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability SBILIFE goes up, or doubles?
The bull case for SBILIFE
- SBILIFE's return on equity of 13.7% ranks in the 66th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- A 10,000-path probability model puts a 67% chance the price is higher in a year, with a median target of ₹2,048 (+10%).
- Relatively low volatility (22%/yr), a steadier ride than the typical mid/small-cap.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹4,044.
The bear case & risks
- SBILIFE's P/E of 71.6x is lower than 17% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- A steep 9.3× price-to-book means most of the value is intangible/expectations, not assets on the books.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹1,539.
SBILIFE volatility & expected range, how bumpy is the ride?
Over the last 8.7 years SBILIFE compounded at 11%/year with annualized volatility of 22%. That volatility implies a 1-year 80% range of ₹1,556-₹2,696, the honest backbone behind any single price target.
SBILIFE price forecast, the full 60-month probability fan
SBILIFE price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds SBILIFE hits common targets within the simulated horizon?
Full multi-horizon detail on the SBILIFE price target & forecast page.
SBILIFE Piotroski F-Score: 6/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. SBILIFE scores 6/8, mixed financial health.
SBILIFE MTF margin & leverage across 11 brokers
Margin Trading Facility lets you buy SBILIFE with part of the capital. Lower margin % = higher leverage. Rates compared across 11 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 23.00% | 4.3× |
| Zerodha | 22.60% | 4.4× |
| Groww | 22.56% | 4.4× |
| Dhan | 22.00% | 4.5× |
| Kotak NeoCHEAPEST | 20.00% | 5.0× |
| Paytm Money | 20.30% | 4.9× |
| Pocketful | 26.50% | 3.8× |
| Fyers | 27.03% | 3.7× |
| Anand Rathi | 26.50% | 3.8× |
| Bajaj Broking | 23.00% | 4.3× |
| Share India | 26.50% | 3.8× |
Compare every broker on the SBILIFE MTF page.
SBILIFE vs peers,Insurance comparison
| Stock | P/E | Div yield | Market cap |
|---|---|---|---|
| SBILIFE (this stock) | 71.3× | 0.15% | ₹1.85L Cr |
| HDFCLIFE | 59.4× | 0.39% | ₹1.17L Cr |
| ICICIPRULI | 45.2× | 0.33% | ₹72,693 Cr |
| LICI | 8.3× | 2.54% | ₹4.98L Cr |
| RELIANCE | 24.2× | 0.45% | ₹18.06L Cr |
| TCS | 16.5× | 2.61% | ₹8.87L Cr |
| HDFCBANK | 14.3× | 1.78% | ₹11.26L Cr |
Fundamentals from Screener.in, as of 9 Aug 2026
About Sbi Life Insurance Company Limited: sector, index & market-cap context
Sbi Life Insurance Company Limited (SBILIFE) is a large-cap NSE-listed company in the Insurance sector, and a constituent of the Nifty 50 index, with a market capitalisation of ₹1.85L Cr. See more stocks on our screener.
How the SBILIFE Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Sbi Life Insurance Company Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
SBILIFE analysis, FAQs
Is Sbi Life Insurance Company Limited (SBILIFE) a good buy?
On the numbers, Sbi Life Insurance Company Limited (SBILIFE) mixed signals, a Downstox Snapshot Score of 52/100, weighing expensive at 71.3× earnings, ROE of 13.7%, a 67% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is SBILIFE overvalued or undervalued?
SBILIFE trades at 71.3× earnings versus a peer median of 24.2×, so it screens richer than its Insurance peers.
What is the SBILIFE share price target for 2031?
SBILIFE's probability-weighted 2031 median target is ₹3,039, with an 80% range of ₹1,637-₹5,641 (10,000-path Monte-Carlo).
What is the probability SBILIFE doubles in 5 years?
The modelled probability of SBILIFE reaching ₹3,711 (2×) within 5 years is 34%.
What is the bull case for SBILIFE?
SBILIFE's return on equity of 13.7% ranks in the 66th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026. A 10,000-path probability model puts a 67% chance the price is higher in a year, with a median target of ₹2,048 (+10%). Relatively low volatility (22%/yr), a steadier ride than the typical mid/small-cap.
What are the risks in SBILIFE?
SBILIFE's P/E of 71.6x is lower than 17% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. A steep 9.3× price-to-book means most of the value is intangible/expectations, not assets on the books.