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Sanima Reliance Life InsuranceXNEP:SRLI -0.38%31 PB Ratio is 0.83 as of Aug. 15, 2026, which is 77% below its 10-year median of 3.57. GuruFocus rates XNEP:SRLI with a GF Score™ of 31/100. The stock has 4 warning signs investors should review. Among 498 Insurance companies, Sanima Reliance Life Insurance ranks better than 77.91% on this metric.
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.
Sanima Reliance Life Insurance PB Ratio Related Terms
Sanima Reliance Life Insurance PB Ratio Historical Data
* 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, Sanima Reliance Life Insurance'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.
Sanima Reliance Life Insurance PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Sanima Reliance Life Insurance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Sanima Reliance Life Insurance's PB Ratio falls into.
Sanima Reliance Life Insurance PB Ratio Calculation
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.
Sanima Reliance Life Insurance (XNEP:SRLI) has a PB Ratio of 0.83 as of Aug. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sanima Reliance Life Insurance and its competitors. This is 77% below median its historical median of 3.57. Over the past decade, Sanima Reliance Life Insurance's PB Ratio has ranged from 0.83 to 4.00. According to the industry distribution chart, Sanima Reliance Life Insurance ranks #110 out of 498 companies in the Insurance industry, placing it in the top 22.1%.
Is Sanima Reliance Life Insurance's PB Ratio too high?
Sanima Reliance Life Insurance's current PB Ratio of 0.83 is 77% below median its 10-year median of 3.57. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 4.00. The Insurance industry median PB Ratio is 1.40. Sanima Reliance Life Insurance's value of 0.83 is 40.7% below this industry median. Based on the distribution chart, Sanima Reliance Life Insurance ranks #110 out of 498 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sanima Reliance Life Insurance has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Sanima Reliance Life Insurance's PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Sanima Reliance Life Insurance ranks #110 out of 498 companies for PB Ratio. This places Sanima Reliance Life Insurance in the top 22% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.40. Sanima Reliance Life Insurance's value of 0.83 is 40.7% below this benchmark. Historically, Sanima Reliance Life Insurance's own PB Ratio has ranged from 0.83 to 4.00 over the past decade. While the company's 10-year median is 3.57 vs. the industry median of 1.40, Sanima Reliance Life Insurance has consistently been below 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 1.40, based on 498 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. Sanima Reliance Life Insurance's current PB Ratio of 0.83 is 40.7% below 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 Sanima Reliance Life Insurance and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sanima Reliance Life Insurance's current PB Ratio is 0.83, which is 77% below median its own 10-year median of 3.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sanima Reliance Life Insurance stock overvalued right now?
Sanima Reliance Life Insurance (XNEP:SRLI) has a current PB Ratio of 0.83. The current PB Ratio is 0.83, which is 77% below median its 10-year median of 3.57 and 40.7% below the Insurance industry median of 1.40. Sanima Reliance Life Insurance's overall GF Score™ is 31/100 with 4 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 Sanima Reliance Life Insurance (XNEP:SRLI), the current PB Ratio is 0.83 as of Aug. 15, 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.
Sanima Reliance Life Insurance Ltd is a Life Insurance company in Nepal. The principal activities of the company are to provide various life insurance products including participating and nonparticipating products through its province offices, branches, sub-branches, and network of agents. Its offerings include Endowment plans, Child Education Plans, Whole Life plans, Term Plan, etc. The company's business segments are: i) Endowment, ii) Anticipated Endowment, iii) Endowment Cum Whole Life, iv) Non-Participating Endowment, v) Foreign Employment Term, and vi) Other Term. The majority of the company's revenue is derived from the Endowment segment. Geographically, the company operates predominantly in Nepal.
31GF Score
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