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SBILIFE.NS

SBI Life Insurance Company Limited

NSI · Financial Services

₹1,755.00

-₹7.80 (-0.39%)down -0.39%

25 August 2026 · delayed 15+ min

F

Quality score49.0 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

SBI Life Insurance Company Limited earns a F on strong earnings growth (>20%) and RSI in healthy range (30-70) but MACD bearish (negative histogram) and low Sharpe ratio (0.41). Does not meet investment criteria for your profile.

Model stance AVOID Suggested position 4.0% · ₹400.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 4.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in rupees.

IQ-SBILIFE.NS-20260825engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

Lowest analyst target

₹1,050.00

52-week low

₹1,700.40

Today's price

₹1,755.00

52-week high

₹2,132.00

Mean analyst target

₹2,343.97

Highest analyst target

₹2,790.00

SBILIFE.NS trades 13% of the way up its 52-week range, between ₹1,700.40 and ₹2,132.00. The mean analyst target of ₹2,343.97 is 33.5% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthStrong earnings growth (>20%) 60.023%

Profit margin

2.14%

Net profit per unit of revenue

thinWhat this means

Of every 100 units of revenue, this much survives as profit.

Thin margins leave little room for a bad year — typical of retail and airlines.

Operating margin

1.71%

Before interest and tax

thinWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Little cushion between operating costs and revenue.

Gross margin

9.71%

After the cost of goods only

lowWhat this means

What is left of revenue after only the direct cost of the product.

Costs of goods eat most of the revenue — normal in retail, distribution and hardware assembly.

Return on equity

13.70%

Profit per unit of shareholder capital

strongWhat this means

Profit generated per unit of shareholder capital.

Above 15% is generally considered a good business.

Return on assets

0.35%

Profit per unit of assets

lowWhat this means

Profit generated per unit of everything the company owns.

Common in asset-heavy industries such as utilities, telecoms and airlines.

Current ratio

1.06

Short-term assets over short-term debts

adequateWhat this means

Short-term assets against short-term obligations.

Enough to cover near-term bills.

Quick ratio

0.19

As above, excluding inventory

tightWhat this means

Short-term assets excluding inventory, against short-term debts.

Very little liquid cover if receipts slow down.

Revenue growth

18.80%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

21.80%

Year on year

strongWhat this means

Change in earnings against the same period last year.

Profit is compounding at a good clip.

Revenue

₹1.22 L Cr

Trailing twelve months

Payout ratio

10.42%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumLow Sharpe ratio (0.41) 45.022%

Sharpe ratio

0.41

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

50.61%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.05%

Best day

8.64%

Worst day

-9.03%

ValuationHigh P/E ratio (67.8) - may be overvalued; High P/B ratio (8.75) 15.018%

P/E ratio

67.76

Price against trailing earnings

very highWhat this means

You pay 67.76 for every 1 unit of annual earnings.

Above 40 the price assumes growth that then has to actually arrive.

Forward P/E

50.23

Price against forecast earnings

highWhat this means

Price against next year's *forecast* earnings.

Even next year's expected earnings do not bring the multiple down much.

Price to book

8.75

Price against balance-sheet equity

well above bookWhat this means

Price against the accounting value of the company's net assets.

Normal for asset-light businesses, where the value sits in brands and software the balance sheet never records.

Price to sales

1.45

Price against revenue

moderateWhat this means

Price against revenue — usable when a company has no profit yet.

A common range for a profitable, growing business.

EV / EBITDA

59.22

Whole-company value against cash earnings

highWhat this means

Whole-company value, debt included, against cash earnings.

Expensive even before interest, tax and depreciation are considered.

Enterprise value

₹1.74 L Cr

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

1,00,33,49,572

Shares the profit is split across

Dividend yield

0.15%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalRSI in healthy range (30-70); MACD bearish (negative histogram) 40.015%

RSI (14)

34.1

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

-17.38

Momentum against its own trend

MACD histogram

-8.13

Positive is bullish

Risk4 measured figures 55.012%

Volatility, annualised

22.90%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.37

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-28.08%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

Moderate

The engine's own banding

Analyst viewAnalyst consensus: Strong Buy; Significant upside potential (33.5%) 100.010%

Consensus

Strong Buy

What covering analysts rate it

Analysts covering

36

Mean price target

₹2,343.97

Highest target

₹2,790.00

Lowest target

₹1,050.00

Implied upside

33.50%

Target against today's price

largeWhat this means

How far the mean analyst target sits above today's price.

A wide gap, which as often means the price has fallen as that the target is right.

Price against the NIFTY 50

180 trading days to 2026-08-25

SBILIFE.NS is nan% down over the window, against 6.7% down for the NIFTY 50 — behind by nan points.
SBILIFE.NS +nan%NIFTY 50 -6.7%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-08, so they can be compared directly.
DateCloseSBILIFE.NS rebasedNIFTY 50 rebased
2025-12-08₹2,018.89100.0100.0
2025-12-30₹1,993.7398.899.9
2026-01-20₹2,046.26101.497.2
2026-02-11₹2,023.49100.3100.0
2026-03-05₹1,942.3096.395.4
2026-03-27₹1,838.6091.187.9
2026-04-22₹1,885.8093.493.9
2026-05-13₹1,838.5091.190.2
2026-06-03₹1,784.2088.490.2
2026-06-24₹1,768.7087.692.5
2026-07-15₹1,866.4092.592.8
2026-08-05₹1,880.9093.294.9

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health60.023%13.8
Growth & momentum45.022%9.9
Valuation15.018%2.7
Technical40.015%6.0
Risk55.012%6.6
Analyst view100.010%10.0
ESG50.00%0.0
Quality score100%49.0

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

F

49.0 / 100

Identical to the IQInvest grade.

All 46 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
52-week highMarket data₹2,132.00Yahoo Finance
52-week lowMarket data₹1,700.40Yahoo Finance
Analysts coveringAnalyst view36Yahoo Finance
Average daily returnGrowth & momentum0.05%Yahoo Finance
Average volumeMarket data9,64,429Yahoo Finance
Best dayGrowth & momentum8.64%Yahoo Finance
BetaRisk0.37Yahoo Finance
ConsensusAnalyst viewStrong BuyYahoo Finance
Current ratioFinancial health1.06Yahoo Finance
Day highMarket data₹1,774.40Yahoo Finance
Day lowMarket data₹1,751.20Yahoo Finance
Dividend yieldValuation0.15%Yahoo Finance
Earnings growthFinancial health21.80%Yahoo Finance
EmployeesMarket data27,653Yahoo Finance
Enterprise valueValuation₹1.74 L CrYahoo Finance
EV / EBITDAValuation59.22Yahoo Finance
Forward P/EValuation50.23Yahoo Finance
Gross marginFinancial health9.71%Yahoo Finance
Highest targetAnalyst view₹2,790.00Yahoo Finance
Implied upsideAnalyst view33.50%Yahoo Finance
Lowest targetAnalyst view₹1,050.00Yahoo Finance
MACDTechnical-17.38Yahoo Finance
MACD histogramTechnical-8.13Yahoo Finance
Maximum drawdownRisk-28.08%Yahoo Finance
Mean price targetAnalyst view₹2,343.97Yahoo Finance
OpenMarket data₹1,761.00Yahoo Finance
Operating marginFinancial health1.71%Yahoo Finance
P/E ratioValuation67.76Yahoo Finance
Payout ratioFinancial health10.42%Yahoo Finance
Previous closeMarket data₹1,762.80Yahoo Finance
Price to bookValuation8.75Yahoo Finance
Price to salesValuation1.45Yahoo Finance
Profit marginFinancial health2.14%Yahoo Finance
Quick ratioFinancial health0.19Yahoo Finance
Return on assetsFinancial health0.35%Yahoo Finance
Return on equityFinancial health13.70%Yahoo Finance
RevenueFinancial health₹1.22 L CrYahoo Finance
Revenue growthFinancial health18.80%Yahoo Finance
Risk categoryRiskModerateYahoo Finance
RSI (14)Technical34.1Yahoo Finance
Shares outstandingValuation1,00,33,49,572Yahoo Finance
Sharpe ratioGrowth & momentum0.41Yahoo Finance
Volatility, annualisedRisk22.90%Yahoo Finance
VolumeMarket data16,41,672Yahoo Finance
Win rateGrowth & momentum50.61%Yahoo Finance
Worst dayGrowth & momentum-9.03%Yahoo Finance
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