SBI Life Insurance Co (NSE:SBILIFE) Debt-to-EBITDA : (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:SBILIFE SBI Life Insurance Co Ltd NSE:SBILIFE
87 GF Score
Price ₹1,756.00
GF Value ₹2,088.04
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is SBI Life Insurance Co Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

SBI Life Insurance Co's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. SBI Life Insurance Co's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. SBI Life Insurance Co's annualized EBITDA for the quarter that ended in Jun. 2026 was ₹29,835 Mil. SBI Life Insurance Co's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 0.00.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for SBI Life Insurance Co's Debt-to-EBITDA or its related term are showing as below:

NSE:SBILIFE's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.23
* Ranked among companies with meaningful Debt-to-EBITDA only.

SBI Life Insurance Co  (NSE:SBILIFE) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

SBI Life Insurance Co Debt-to-EBITDA Related Terms

SBI Life Insurance Co Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for SBI Life Insurance Co's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SBI Life Insurance Co Debt-to-EBITDA Chart

SBI Life Insurance Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - -

SBI Life Insurance Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

NSE:SBILIFE vs MET, AFL: Debt-to-EBITDA Comparison

For the Insurance - Life subindustry, SBI Life Insurance Co's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SBI Life Insurance Co Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, SBI Life Insurance Co's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where SBI Life Insurance Co's Debt-to-EBITDA falls into.


NSE:SBILIFE
87GF Score
SBI Life Insurance Co Ltd NSE:SBILIFE
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SBI Life Insurance Co Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

SBI Life Insurance Co's Debt-to-EBITDA for the fiscal year that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 0) / 28234.6
=0.00

SBI Life Insurance Co's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 0) / 29834.8
=0.00

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.

Is SBI Life Insurance Co (NSE:SBILIFE) Overvalued in 2026?

Based on GuruFocus' analysis, SBI Life Insurance Co stock appears to be undervalued. The current stock price of ₹1,756.00 is trading 15.9% below its estimated GF Value™ of ₹2,088.04. GuruFocus considers SBI Life Insurance Co to be Modestly Undervalued.

Key valuation signals for NSE:SBILIFE:

  • Debt-to-EBITDA:
  • GF Value™: ₹2,088.04 vs. price of ₹1,756.00 (15.9% below fair value)
  • GF Score™: 87/100 with 3 warning signs

No single metric tells the full story. See the NSE:SBILIFE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SBI Life Insurance Co Business Description

Other Exchanges 540719:India
Address M. V. Road and Western Express Highway Junction, Natraj, Andheri East, Mumbai, MH, IND, 400069
SBI Life Insurance Co Ltd is a life insurance company in India. The company offers insurance products for individuals and groups, including Poorna Suraksha, Sampoorn Cancer Suraksha, eShield, CapAssure Gold, and others. The company has many products catering to various customer needs in the life, health, pension, and micro-insurance segments. The company operates through the following segments: Participating, Non-Participating, and Linked. The company derives the majority of its revenue from the Non-Participating segment, which includes endowment products, a variable insurance plan, an immediate annuity product, group protection products, and others.
87GF Score

Get the complete analysis for NSE:SBILIFE

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,756.00
Price
₹2,088.04
GF Value