| Intrinsic Valuation of: SBILIFE | |||||||||||
| Free Cash Flow Average and Growth over past 5Y | Key Statistics | ||||||||||
| Year | FCF | FCF (FCF/Revenue) | |||||||||
| 2021 | - | - | EPS (FY) | 25 | Market Cap | ₹1,870B | |||||
| 2022 | - | - (-) | P/E Ratio | 76 | Total Asset | ₹5,000B | |||||
| 2023 | ₹286B | - (-) | Net Income | ₹25B | Total Debt | ₹0 | |||||
| 2024 | ₹290B | 1.5% (-37.5%) | EBITDA | - | Total Liab | ₹4,810B | |||||
| 2025 | ₹254B | -12.3% (-1.8%) | Opr Margin | - | Debt/Equity | - | |||||
| 2026 | ₹343B | 35.0% (40.5%) | PreTax Margin | - | BV/Share | 190 | |||||
| 5Y Average FCF | ₹293B | 12.8% (0.4%) | |||||||||
| Overall Market Assumptions: | |||||||||||
| Assumptions: | P/E for No-Growth Company: | 7.0 | |||||||||
| Perpetual Growth Rate (g): | 2.48% | Historical US Bond Yield: | 4.40% | ||||||||
| Discount Rate (WACC): | 7.00% | Current US Bond Yield: | 3.48% | ||||||||
| Forcasting Future Free Cash Flow for next 6Y | Modified Benjamin Graham's Intrinsic Value | ||||||||||
| Year | FCF Projection (12.8%) | ||||||||||
| 2027 | ₹370B | MBG Intrinsic Value | ₹220 | ||||||||
| 2028 | ₹410B | ||||||||||
| 2029 | ₹445B | ||||||||||
| 2030 | ₹475B | ||||||||||
| 2031 | ₹496B | ||||||||||
| 2032 | ₹509B | ||||||||||
| Terminal Value | ₹11,530B | Net Worth/Share | ₹190 | ||||||||
| DCF Valuation | DCF Valuation "What If" Scenario Table | ||||||||||
| Enterprise Value | ₹9,806B | Growth Rate | |||||||||
| (+) Cash & Cash Equivalents | ₹32B | ₹9,807 | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | ||||
| (-) Total Debt | ₹0 | WACC | 6.5% | 9,207 | 10,022 | 11,040 | 12,348 | 14,088 | |||
| Equity Value | ₹9,838B | 7.1% | 8,177 | 8,797 | 9,551 | 10,487 | 11,679 | ||||
| Shares Outstanding | 1,003,092,121 | 7.8% | 7,341 | 7,823 | 8,397 | 9,091 | 9,948 | ||||
| 8.4% | 6,657 | 7,041 | 7,490 | 8,022 | 8,662 | ||||||
| DCF Intrinsic Value | ₹9,807 | 9.0% | 6,096 | 6,408 | 6,768 | 7,188 | 7,684 | ||||
| Analyzed by QuantJuice (2025) | |||||||||||