AI Summary
✦ ClarthaValuation Metrics
Trading 7.6% above historical median. Valuation is rising — currently in the overvalued zone (z-score: +0.75). Confidence: 86%.
Live forward EPS implies next-12-month EPS of ₹34.94. Applying the stock's normalized valuation corridor produces a fair range of ₹1,945.81 to ₹2,478.64, with base value near ₹2,293.11 (+25.3% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹34.94
Forward P/E
52.4x
Base Fair Value
₹2,293.11
Fair Range
₹1,945.81 - ₹2,478.64
Upside To Base
+25.3%
Estimate Source
Live forward EPS
Growth Estimate
+21.8%
5Y Average
10.21
Current
9.12
Overvalued
11.74
Undervalued
8.68
5Y Average
57.20
Current
70.63
Overvalued
70.94
Undervalued
55.69
5Y Average
1.22
Current
1.51
Overvalued
1.41
Undervalued
1.04
Peers & Comparison
Sector: Financials · Theme: Insurance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Undervalued | -48% vs avg | -30.0% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 627.0x Premium | +450% vs avg | -4.6% |
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 51.1x Undervalued | -55% vs avg | +52.2% |
DR. REDDY S LABORATORIES DRREDDYPharmaceuticals | -5.6% | 10.0% | 28.9x Undervalued | -75% vs avg | -1.3% |
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium | +32.1% | 5.5% | 14.7x Undervalued | -87% vs avg | +57.3% |
APOLLO HOSPITALS ENTER. L APOLLOHOSPHospitals & Diagnostic Centres | +18.1% | 7.7% | 64.5x Undervalued | -43% vs avg | +12.1% |
EICHER MOTORS LTD EICHERMOTTrucks & Buses | +31.5% | 23.2% | 38.1x Undervalued | -67% vs avg | +41.4% |
BAJAJ AUTO LIMITED BAJAJ-AUTOTwo Wheelers | +64.0% | 16.3% | 27.9x Undervalued | -76% vs avg | +42.5% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
HDFC LIFE INS CO LTD HDFCLIFEInsurance | +15.2% | 1.9% | 58.7x Undervalued | -49% vs avg | -30.0% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 627.0x Premium | +450% vs avg | -4.6% |
BAJAJ FINSERV LTD. BAJAJFINSVInsurance | +19.3% | 6.5% | 31.8x Undervalued | -72% vs avg | +5.6% |
ICICI LOMBARD GIC LIMITED ICICIGIInsurance | +10.9% | 8.8% | 33.8x Undervalued | -70% vs avg | -13.8% |
ICICI PRU LIFE INS CO LTD ICICIPRULIInsurance | -83.1% | 2.6% | 43.5x Undervalued | -62% vs avg | -19.6% |
HINDALCO INDUSTRIES LTD HINDALCOMetals - Aluminium | +32.1% | 5.5% | 14.7x Undervalued | -87% vs avg | +57.3% |
APOLLO HOSPITALS ENTER. L APOLLOHOSPHospitals & Diagnostic Centres | +18.1% | 7.7% | 64.5x Undervalued | -43% vs avg | +12.1% |
EICHER MOTORS LTD EICHERMOTTrucks & Buses | +31.5% | 23.2% | 38.1x Undervalued | -67% vs avg | +41.4% |
SBI LIFE INSURANCE CO LTD trades at a discount (70.2x vs peer avg 113.9x), suggesting potential undervaluation relative to the Insurance cohort. Peers include HDFC LIFE INS CO LTD, MAX FINANCIAL SERV LTD, BSE LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹27.68K CrMar 2026Latest net profit
₹18.69K CrMar 2026Latest EPS
₹8.02Mar 2026Free cash flow
₹34.34K CrFY26Performance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Earnings
Revenue is shown in crores. EPS is rupees per share.
- Revenue
- EPS
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Mar 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 19,897 | 13,104 | 20,050 | 22,316 | 25,116 | 15,105 | 20,266 | 24,828 | 23,861 | 17,178 | 24,848 | 30,245 | 27,684 |
| Expenses | 10,380 | 19,264 | 16,829 | 25,785 | 19,951 | 22,893 | 24,022 | 10,247 | 9,729 | 26,878 | 9,205 | 28,360 | 9,300 |
| Other Income | 1,414 | 14,800 | 8,767 | 16,734 | 11,150 | 19,551 | 20,036 | 317 | 255 | 21,818 | 339 | 15,914 | 365 |
| Profit before tax | 10,931 | 8,640 | 11,987 | 13,266 | 16,316 | 11,764 | 16,280 | 14,898 | 14,386 | 12,119 | 15,982 | 17,799 | 18,749 |
| Tax % | 0.41% | 0.6% | 0.37% | 0.36% | 0.25% | 0.66% | 0.44% | 0.29% | 0.61% | 0.51% | 0.23% | 0.37% | 0.33% |
| Net Profit | 10,886 | 8,588 | 11,943 | 13,218 | 16,276 | 11,686 | 16,208 | 14,855 | 14,299 | 12,057 | 15,945 | 17,734 | 18,686 |
| EPS in Rs | 7.76 | 3.81 | 3.80 | 3.21 | 8.10 | 5.19 | 5.29 | 5.50 | 8.12 | 5.93 | 4.93 | 5.75 | 8.02 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.