SBI Life Insurance CoNSE:SBILIFE -0.06%84 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 184.40. GuruFocus rates NSE:SBILIFE with a GF Score™ of 84/100 and a GF Value™ of ₹2,006.62 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 352 Insurance companies, SBI Life Insurance Co ranks better than 99.15% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. SBI Life Insurance Co's
EBIT
for the
three
months ended in Mar. 2026 was ₹0 Mil. SBI Life Insurance Co's Interest Expense for the
three
months ended in Mar. 2026 was ₹0 Mil.
SBI Life Insurance Co has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
SBI Life Insurance Co Ltd has no debt.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for SBI Life Insurance Co's Interest Coverage or its related term are showing as below:
NSE:SBILIFE'
s Interest Coverage Range Over the Past 10 Years
Min: 71.8 Med: 184.4 Max: No Debt
Current: No Debt
NSE:SBILIFE's Interest Coverage is ranked better than 99.15% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs NSE:SBILIFE: No Debt
SBI Life Insurance Co (NSE:SBILIFE) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
SBI Life Insurance Co Interest Coverage Related Terms
SBI Life Insurance Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for SBI Life Insurance Co's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:SBILIFE vs AFL, MET: Interest Coverage Comparison
For the Insurance - Life subindustry, SBI Life Insurance Co's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, SBI Life Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where SBI Life Insurance Co's Interest Coverage falls into.
SBI Life Insurance Co Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
SBI Life Insurance Co (NSE:SBILIFE) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SBI Life Insurance Co and its competitors. This is 99% below median its historical median of 184.40. Over the past decade, SBI Life Insurance Co's Interest Coverage has ranged from 71.80 to 10,000.00. According to the industry distribution chart, SBI Life Insurance Co ranks #3 out of 352 companies in the Insurance industry, placing it in the top 0.90000000000001%.
Is SBI Life Insurance Co's Interest Coverage too high?
SBI Life Insurance Co's current Interest Coverage of No Debt (1) is 99% below median its 10-year median of 184.40. Over the past 10 years, this metric has ranged from a low of 71.80 to a high of 10,000.00. Based on the distribution chart, SBI Life Insurance Co ranks #3 out of 352 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, SBI Life Insurance Co has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Life Insurance Co's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, SBI Life Insurance Co ranks #3 out of 352 companies for Interest Coverage. This places SBI Life Insurance Co in the top 1% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.25. Historically, SBI Life Insurance Co's own Interest Coverage has ranged from 71.80 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.25, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SBI Life Insurance Co and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Life Insurance Co's current Interest Coverage is No Debt (1), which is 99% below median its own 10-year median of 184.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, SBI Life Insurance Co (NSE:SBILIFE) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,006.62, compared to a current price of ₹1,787.70 — trading 10.9% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 99% below median its 10-year median of 184.40. SBI Life Insurance Co's overall GF Score™ is 84/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For SBI Life Insurance Co (NSE:SBILIFE), the current Interest Coverage is No Debt (1) as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 ₹1,787.70 is trading 10.9% below its estimated GF Value™ of ₹2,006.62.
GuruFocus considers SBI Life Insurance Co to be Modestly Undervalued.
Key valuation signals for NSE:SBILIFE:
Interest Coverage: No Debt (1) (99% below median its 10-year median of 184.40)
GF Value™: ₹2,006.62 vs. price of ₹1,787.70 (10.9% below fair value)
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 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.
84GF Score
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