SBI Life Insurance Company Ltd

NSE: SBILIFE LIVE

Financial Services • • ISIN: N/A

₹1,766.90

▲ +82.20 (+4.06%)

Data updated: Just now (NSE India Live Feed)

52W Low: ₹1,652.90

Today High / Low: ₹1,771.10 / ₹1,689.00

52W High: ₹2,132.00

Volume: 1,760,498

⚖️ Compare vs Peers

🎯 TickerPulse Confluence Engine Institutional 360°

360° Quantitative Confluence Radar HIGH CONFLUENCE BULLISH SETUP

Exceptional confluence: Institutional accumulation aligned with trend moving averages and asymmetric >2.0 R:R payoff.

Confluence Score

Top Decile Edge

Valuation & Multiples 35/100

P/E, P/B, FCF yield vs historical levels

Trend & Moving Averages 96/100

20/50 EMA structure, RSI momentum, 52W range

Institutional Sponsorship 85/100

FII & DII holdings, delivery turnover backing

Balance Sheet Solvency 97/100

Debt-to-equity ratio, Altman Z score, operating margin

Asymmetric Reward-to-Risk 85/100

Calculated 3.88:1 potential target vs swing low stop

📐 Institutional Trade Setup 1% Risk Aligned

Entry Reference

₹1,766.90

Structural Stop Loss

₹1,661.77

Max Risk: -5.95%

Technical Target 1

₹2,174.64

Payoff Profile

3.88 : 1.0

Reward-to-Risk

🎯 Size This Trade (1% Risk Lab) → 🎮 Paper Trade Virtual Setup →

Transparent Business & Valuation Scoring

Methodology v1.0 • Every metric is deterministic and verifiable.

How we calculate scores →

Overall Quality Score

60 / 100

Moderate

Financial Health

85 / 100

Exceptional

Profitability & Margins

61 / 100

Moderate

Growth Trajectory

40 / 100

Subdued

Valuation Attractiveness

41 / 100

Subdued

Interactive Price Performance & Trend

Live exchange closing feeds from NSE/BSE

50-Day DMA: ₹1,705.06

200-Day DMA: ₹1,581.38

14-Day RSI: 66.2 (Neutral)

Trend: Strong Bullish

Key Fundamentals & Ratios (Data as of 2026-08-30)

Market Cap ₹18,800,000.00L Cr Large_cap Category

P/E Ratio (TTM) 78.5x Sector Mean: ~28.5x

Price to Book (P/B) — Book Val: ₹0.0

Return on Equity (ROE) 13.8% Net Profit / Net Worth

ROCE — Capital Efficiency

Debt / Equity 0.01 Virtually Debt-Free

EPS (TTM) ₹0.00 Earnings Per Share

Dividend Yield 0.15% Annual Cash Payout

Operating Margin — Core Operational Spread

Annual Free Cash Flow ₹0.00 Cr Operating CF minus Capex

Algorithmic Analysis (Pros & Cons)

⚡ Computed from Balance Sheet & Valuation Metrics

✓

Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.

⚠

Key Limitations & Risks (Cons)

• Commanding an elevated valuation multiple with P/E at 78.5x.

Fundamental Health

Piotroski F-Score

5 / 9

Balance Sheet Score: Stable Financials

Positive Return on Equity (ROE) ✓ PASS

High Capital Efficiency (ROCE > 12%) ✗ FAIL

Strong Operating Spread (Margin > 15%) ✗ FAIL

Positive Free Cash Flow Generation ✓ PASS

9-Point Stanford University fundamental screening model.

Solvency & Credit Risk

Altman Z-Score

5.52

Solvency Classification: Safe Zone (Low Distress)

Firm exhibits exceptionally robust balance sheet solvency with near-zero short-term distress risk.

Safe Zone (>2.99) • Grey Zone (1.81–2.99) • Distress (<1.81)

Valuation Model

Intrinsic Fair Value

DCF + Graham

Estimated Fair Value

₹416.60

Premium / Overvalued (-76.4%)

Graham Value

₹505.63

DCF Model

₹343.76

DuPont ROE: 14.4% NPM × 0.85 Turn × 1.01x Lev

Quarterly Financial Performance (Consolidated ₹ Cr)

Past 4 Reported Quarters

Metric (₹ Cr)	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹19,669.50 Cr	₹20,515.50 Cr	₹21,573.00 Cr	₹22,419.00 Cr
Operating Profit	₹3,520.84 Cr	₹3,754.34 Cr	₹4,034.15 Cr	₹4,282.03 Cr
OPM % (Operating Margin)	17.9%	18.3%	18.7%	19.1%
Profit before Tax (PBT)	₹2,816.67 Cr	₹3,003.47 Cr	₹3,227.32 Cr	₹3,425.62 Cr
Net Profit (PAT)	₹2,112.50 Cr	₹2,252.60 Cr	₹2,420.49 Cr	₹2,569.22 Cr
Quarterly EPS (₹)	₹5.23	₹5.46	₹5.74	₹5.96

Shareholding Pattern & Institutional Ownership

Latest Disclosed Quarter

Promoters

52.40%

Foreign Institutions (FIIs)

19.80%

Domestic Institutions (DIIs)

15.60%

Retail & Public

12.20%

Technical Levels & Intraday Pivot Matrix

Institutional support, resistance, moving averages & momentum indicators

⚡ Signal: Strong Bullish RSI (14): 66.2

📈 Key Moving Averages

20 EMA (Short Term)

₹1,745.70

50 SMA (Medium Term)

₹1,705.06

100 SMA (Structural)

₹1,657.35

200 SMA (Long Trend)

₹1,581.38

🎯 52-Week Range Alignment

Distance from 52W High (₹2,132.00) -17.1%

Distance from 52W Low (₹1,652.90) +6.9%

Pivot Model	Support 3	Support 2	Support 1	Central Pivot (P)	Resistance 1	Resistance 2	Resistance 3
Classic Floor	₹1,631.46	₹1,660.23	₹1,713.56	₹1,742.33	₹1,795.66	₹1,824.43	₹1,877.76
Camarilla Intraday	—	L4: ₹1,721.75	L3: ₹1,744.32	₹1,766.90	H3: ₹1,789.48	H4: ₹1,812.06	—
Fibonacci	—	61.8%: ₹1,716.16	38.2%: ₹1,735.54	₹1,742.33	38.2%: ₹1,798.26	61.8%: ₹1,817.64	—

Sector Peers Comparison (Financial Services)

Peer Company	Price	Today Change	Market Cap	P/E Ratio	ROE (%)	Compare
HDFCBANK — HDFC Bank Ltd	₹713.00	▼ 0.00 (-1.18%)	₹125,400,000.00L Cr	18.2x	16.4%	Compare →
ICICIBANK — ICICI Bank Ltd	₹1,347.60	▼ 0.00 (-0.82%)	₹85,600,000.00L Cr	17.5x	18.9%	Compare →
SBIN — State Bank of India	₹988.70	▼ 0.00 (-0.27%)	₹72,500,000.00L Cr	10.4x	17.2%	Compare →
BAJFINANCE — Bajaj Finance Ltd	₹1,015.00	▲ +0.00 (+0.88%)	₹45,400,000.00L Cr	28.6x	22.4%	Compare →
AXISBANK — Axis Bank Ltd	₹1,240.00	▼ 0.00 (-0.08%)	₹36,500,000.00L Cr	12.8x	17.5%	Compare →

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