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The historical rank and industry rank for SBI Life Insurance Co's PB Ratio or its related term are showing as below:
NSE:SBILIFE'
s PB Ratio Range Over the Past 10 Years
Min: 7.14 Med: 9.85 Max: 12.42
Current: 9.28
During the past 13 years, SBI Life Insurance Co's highest PB Ratio was 12.42. The lowest was 7.14. And the median was 9.85.
NSE:SBILIFE's PB Ratio is ranked worse than 97.59% of 497
companies
in the Insurance industry
Industry Median: 1.39
vs NSE:SBILIFE: 9.28
During the past 12 months, SBI Life Insurance Co's average Book Value Per Share Growth Rate was 12.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 13.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 14.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of SBI Life Insurance Co was 20.00% per year. The lowest was 12.70% per year. And the median was 16.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Insurance - Life subindustry, SBI Life Insurance Co's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, SBI Life Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where SBI Life Insurance Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
SBI Life Insurance Co (NSE:SBILIFE) has a PB Ratio of 9.28 as of Aug. 07, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SBI Life Insurance Co and its competitors. This is near median its historical median of 9.85. Over the past decade, SBI Life Insurance Co's PB Ratio has ranged from 7.14 to 12.42. According to the industry distribution chart, SBI Life Insurance Co ranks #485 out of 497 companies in the Insurance industry, placing it in the top 97.6%.
Is SBI Life Insurance Co's PB Ratio too high?
SBI Life Insurance Co's current PB Ratio of 9.28 is near median its 10-year median of 9.85. Over the past 10 years, this metric has ranged from a low of 7.14 to a high of 12.42. The Insurance industry median PB Ratio is 1.39. SBI Life Insurance Co's value of 9.28 is 567.6% above this industry median. Based on the distribution chart, SBI Life Insurance Co ranks #485 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, SBI Life Insurance Co has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Life Insurance Co's PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, SBI Life Insurance Co ranks #485 out of 497 companies for PB Ratio. This places SBI Life Insurance Co in the lower half of its industry. The industry median PB Ratio is 1.39. SBI Life Insurance Co's value of 9.28 is 567.6% above this benchmark. Historically, SBI Life Insurance Co's own PB Ratio has ranged from 7.14 to 12.42 over the past decade. While the company's 10-year median is 9.85 vs. the industry median of 1.39, SBI Life Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.39, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Life Insurance Co's current PB Ratio of 9.28 is 567.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SBI Life Insurance Co and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Life Insurance Co's current PB Ratio is 9.28, which is near median its own 10-year median of 9.85. 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 ₹2,058.98, compared to a current price of ₹1,861.50 — trading 9.6% below its estimated fair value. The current PB Ratio is 9.28, which is near median its 10-year median of 9.85 and 567.6% above the Insurance industry median of 1.39. SBI Life Insurance Co's overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For SBI Life Insurance Co (NSE:SBILIFE), the current PB Ratio is 9.28 as of Aug. 07, 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 ₹1,861.50 is trading 9.6% below its estimated GF Value™ of ₹2,058.98.
GuruFocus considers SBI Life Insurance Co to be Modestly Undervalued.
Key valuation signals for NSE:SBILIFE:
PB Ratio: 9.28 (near median its 10-year median of 9.85)
GF Value™: ₹2,058.98 vs. price of ₹1,861.50 (9.6% below fair value)
Industry Position: 567.6% above the Insurance median (#485 of 497)
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.
86GF Score
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