| Intrinsic Valuation of: SBILIFE | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2020 | - | - | EPS (FY) | 25 | Market Cap | ₹1,810B | |||||
| 2021 | - | - (-) | P/E Ratio | 73 | Total Asset | ₹4,571B | |||||
| 2022 | ₹218B | - (-) | Net Income | ₹24B | Total Debt | ₹0 | |||||
| 2023 | ₹286B | 31.2% (34.9%) | EBITDA | - | Total Liab | ₹4,401B | |||||
| 2024 | ₹290B | 1.5% (-38.0%) | Opr Margin | - | Debt/Equity | - | |||||
| 2025 | ₹254B | -12.3% (-1.0%) | PreTax Margin | - | BV/Share | 169 | |||||
| 5Y Average FCF | ₹262B | 6.8% (-1.4%) | |||||||||
| Overall Market Assumptions: | |||||||||||
| Assumptions: | P/E for No-Growth Company: | 7.0 | |||||||||
| Perpetual Growth Rate (g): | 2.5% | Historical US Bond Yield: | 4.4% | ||||||||
| Discount Rate (WACC): | 7.4% | Current US Bond Yield: | 3.5% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (6.8%) | ||||||||||
| 2026 | ₹272B | MBG Intrinsic Value | ₹223 | ||||||||
| 2027 | ₹290B | ||||||||||
| 2028 | ₹310B | ||||||||||
| 2029 | ₹331B | ||||||||||
| 2030 | ₹353B | ||||||||||
| 2031 | ₹377B | ||||||||||
| Terminal Value | ₹7,840B | Net Worth/Share | ₹169 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹6,594B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹18B | ₹6,596 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 7.3% | 5,798 | 6,223 | 6,736 | 7,367 | 8,163 | |||
| Equity Value | ₹6,613B | 7.4% | 5,747 | 6,163 | 6,665 | 7,282 | 8,057 | ||||
| Shares Outstanding | 1,002,480,000 | 7.4% | 5,697 | 6,105 | 6,596 | 7,198 | 7,953 | ||||
| 7.9% | 5,242 | 5,578 | 5,977 | 6,457 | 7,045 | ||||||
| DCF Intrinsic Value | ₹6,596 | 8.4% | 4,852 | 5,134 | 5,463 | 5,852 | 6,321 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||