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SBI Life Insurance Company Limited (SBILIFE) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

SBI Life Insurance Company Limited

SBILIFEMarket cap $18BPrice $17.9

Country🇮🇳India

SectorFinancials

IndustryInsurance

Sells life insurance and pension products across India, backed by State Bank of India's massive branch network. One of India's largest private life insurers, reaching millions through the country's biggest bank distribution channel.

In Bastion Portfolios?

52W Return-15%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+8%6

Revenue Forecast

Rev CAGR (1y)+27%9

Rev CAGR (3y)+20%9

Rev CAGR (5y)+22%10

Earnings Forecast

EPS Growth Y+1+15%8

EPS Growth Y+2+17%8

EPS Growth Y+3+16%8

Quality

Margins

EBIT Margin2%2

Net Income Margin2%3

Free Cash Flow Margin28%9

Debt

Net Debt/EBITDA-0.510

Efficiency

ROE14%6

ROA1%2

Earnings Stability88

GEAR+STRONG81

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)561

P/E Ratio (Forward 3y)431

P/BV8.62

EV Multiples

EV/EBITDA Fwd441

EV/EBIT Fwd341

Yield

Free Cash Flow Yieldna1

Dividend Yieldna–

Momentum

Short term

1 month return+0%8

3 month return-5%5

YTD return-14%3

Mid term

Price vs 52wHigh81%5

1 year return-2%4

Long term

3 year return+36%5

5 year return+45%6

Risk Shield

Price Risk

Beta0.58

Volatility21%9

Free Cash Flow

Free Cash Flow Margin28%9

Free Cash Flow Yieldna1

Quality

ROCE1%2

Earnings Stability88

Net Debt/EBITDA-0.510

02Growth

Is it actually growing, and how fast?

SBILIFESBI Life Insurance Company

Revenue FY26$12.0B

GROWTH RATING↗

VERY STRONG91 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+27%9

Revenue, next 3Y, CAGR+20%9

Revenue, next 5Y, CAGR+22%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+15%8

EPS growth, FY28E+17%8

EPS growth, FY29E+16%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 91% of companies worldwide.

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 8%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 22%/yr over five years.10/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 20%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

SBILIFESBI Life Insurance Company

Total return Current73.7%

Price return Current71.5%

MOMENTUM RATING↗

AVERAGE48 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%8

3-month return-5%5

YTD return-14%3

MID & LONG-TERM▾SCORE

% of 52-week high81%5

1-year return-2%4

3-year return+36%5

5-year return+45%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+0%).

WATCH

Average long-term results. Multi-year returns are middling (+36% over three years and +45% over five), roughly average for the market.

It's down 2% over the past year, now 19% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (-5%).

WEAKNESSES

The stock is underperforming so far this year (-14%).

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the stock is underperforming so far this year.

04Value

Are you paying a fair price for it?

Stop guessing on SBI Life. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

SBILIFESBI Life Insurance Company

Revenue FY26$12.0B

GROWTH RATING↗

VERY STRONG91 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+27%9

Revenue, next 3Y, CAGR+20%9

Revenue, next 5Y, CAGR+22%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+15%8

EPS growth, FY28E+17%8

EPS growth, FY29E+16%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 91% of companies worldwide.

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 8%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 22%/yr over five years.10/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 20%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

SBILIFESBI Life Insurance Company

Total return Current73.7%

Price return Current71.5%

MOMENTUM RATING↗

AVERAGE48 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%8

3-month return-5%5

YTD return-14%3

MID & LONG-TERM▾SCORE

% of 52-week high81%5

1-year return-2%4

3-year return+36%5

5-year return+45%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+0%).

WATCH

Average long-term results. Multi-year returns are middling (+36% over three years and +45% over five), roughly average for the market.

It's down 2% over the past year, now 19% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (-5%).

WEAKNESSES

The stock is underperforming so far this year (-14%).

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the stock is underperforming so far this year.

04Value

Are you paying a fair price for it?

Stop guessing on SBI Life. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community