SBI Life Insurance Co (NSE:SBILIFE) Moat Score: 0/10 (As of Jul. 22, 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.
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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
80 GF Score
Price ₹1,827.90
GF Value ₹2,017.49
Valuation Fairly Valued
! 3 Warning Signs
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What is SBI Life Insurance Co Moat Score?

SBI Life Insurance Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

SBI Life Insurance Co has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SBI Life Insurance Co might have No Moat - No discernible moat.

SBI Life Insurance Co  (NSE:SBILIFE) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SBI Life Insurance Co Moat Score Related Terms

NSE:SBILIFE
80GF Score
SBI Life Insurance Co Ltd NSE:SBILIFE
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ₹1,827.90 is trading 9.4% below its estimated GF Value™ of ₹2,017.49. GuruFocus considers SBI Life Insurance Co to be Fairly Valued.

Key valuation signals for NSE:SBILIFE:

  • Moat Score: 0
  • GF Value™: ₹2,017.49 vs. price of ₹1,827.90 (9.4% below fair value)
  • GF Score™: 80/100 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.
80GF Score

Get the complete analysis for NSE:SBILIFE

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

₹1,827.90
Price
₹2,017.49
GF Value