Share Price and Basic Stock Data
Last Updated: November 8, 2025, 3:50 am
| PEG Ratio | 7.76 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
SBI Life Insurance Company Ltd (SBILIFE), operating in the finance and life insurance sector, reported a market capitalization of ₹1,94,177 Cr. The company’s share price stood at ₹1,937, reflecting its significant valuation in the market. Over the past years, SBILIFE has demonstrated robust revenue growth, with sales recorded at ₹80,636 Cr for the year ending March 2023. This figure is a decline from ₹82,983 Cr in the previous year but is projected to rise to ₹131,988 Cr by March 2024, illustrating a positive growth trajectory. Quarterly sales figures have shown volatility, with the latest reported quarter (September 2023) achieving sales of ₹28,805 Cr. Despite fluctuations, the overall trend points towards an upward momentum, indicating strong demand for its insurance products. The company’s resilience in revenue generation is critical as it navigates the competitive landscape of the life insurance industry.
Profitability and Efficiency Metrics
SBILIFE’s profitability metrics exhibit a mixed performance. The net profit for the year ending March 2023 stood at ₹1,721 Cr, a slight increase from ₹1,506 Cr in the previous year. However, the operating profit margin (OPM) remained low, recorded at 2% for the year ending March 2025, which is below the typical sector average. The company’s return on equity (ROE) was reported at 15.1%, while the return on capital employed (ROCE) stood at 16.9%, indicating efficient utilization of equity and capital. The interest coverage ratio (ICR) was exceptionally high at 265.96x, showcasing robust earnings relative to interest obligations. This high ICR suggests that the company is well-positioned to cover its financial liabilities, providing a cushion against potential downturns. Overall, while SBILIFE’s profitability shows potential, its low margins highlight an area for improvement in operational efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of SBILIFE reflects significant strength, with total assets reported at ₹457,095 Cr and total liabilities at ₹440,110 Cr as of March 2025. The company maintains a strong reserves position, standing at ₹15,983 Cr, which enhances its financial stability. With no borrowings recorded, SBILIFE’s financial structure is conservative, minimizing debt-related risks. The price-to-book value (P/BV) ratio was reported at 9.13x, indicating that the stock is valued at a premium compared to its book value. The current ratio of 1.39x suggests that the company has sufficient liquidity to meet its short-term obligations, while the quick ratio mirrors this position. Additionally, the earnings retention ratio of 88.79% demonstrates a commitment to reinvesting profits into the business, fostering growth. These factors collectively position SBILIFE as a financially sound entity capable of weathering economic fluctuations.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBILIFE indicates a strong foundation of institutional and retail investor confidence. Promoters hold 55.37% of the company, reflecting significant insider commitment. Foreign institutional investors (FIIs) account for 22.34%, while domestic institutional investors (DIIs) hold 18.24%. This distribution suggests a balanced investor base, which is crucial for stability in stock performance. The public shareholding is relatively low at 4.05%, indicating that a significant portion of the company’s equity is held by large institutional players. Over recent quarters, the number of shareholders has decreased from 3,93,398 in September 2022 to 3,55,321 by June 2025, suggesting consolidation among investors. This pattern may reflect confidence in the company’s long-term prospects, as institutional investors typically engage in thorough due diligence before committing capital.
Outlook, Risks, and Final Insight
Looking ahead, SBILIFE’s growth outlook remains promising, backed by its robust revenue trends and strong balance sheet. However, risks loom, particularly regarding its low operating margins and the potential volatility in sales figures. The insurance sector is also subject to regulatory changes and competitive pressures that could impact profitability. Additionally, macroeconomic factors such as inflation and interest rate fluctuations may pose challenges. Despite these risks, SBILIFE’s high interest coverage ratio and solid reserve levels provide a buffer against economic shocks. The company’s ability to adapt to market conditions and improve operational efficiency will be critical in maintaining its growth trajectory. In a favorable scenario, enhanced profitability could lead to increased investor confidence, while adverse conditions may necessitate strategic adjustments to safeguard its market position.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of SBI Life Insurance Company Ltd (SBILIFE)
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| SBI Life Insurance Company Ltd (SBILIFE) | 2,00,403 Cr. | 1,999 | 2,004/1,373 | 81.7 | 182 | 0.14 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 55,843 Cr. | 1,618 | 1,679/950 | 206 | 153 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 89,039 Cr. | 615 | 711/517 | 68.1 | 87.9 | 0.14 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,61,545 Cr. | 749 | 821/584 | 85.3 | 78.7 | 0.28 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 126,707.50 Cr | 1,245.25 | 110.28 | 125.40 | 0.14% | 10.88% | 10.89% | 8.00 |
All Competitor Stocks of SBI Life Insurance Company Ltd (SBILIFE)
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,806 | 27,717 | 26,817 | 21,296 | 27,895 | 28,805 | 39,033 | 36,255 | 34,654 | 40,302 | 18,862 | 23,071 | 38,996 |
| Expenses | 4,516 | 27,292 | 26,483 | 22,197 | 27,471 | 28,392 | 38,681 | 37,043 | 34,060 | 39,696 | 18,266 | 23,520 | 38,333 |
| Operating Profit | 290 | 426 | 333 | -901 | 424 | 413 | 352 | -788 | 594 | 606 | 596 | -449 | 664 |
| OPM % | 6% | 2% | 1% | -4% | 2% | 1% | 1% | -2% | 2% | 2% | 3% | -2% | 2% |
| Other Income | 11 | 11 | 13 | 1,723 | 9 | 12 | 18 | 1,639 | 3 | -4 | -3 | 1,350 | -8 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 301 | 437 | 346 | 822 | 433 | 424 | 370 | 851 | 597 | 601 | 594 | 901 | 656 |
| Tax % | 13% | 14% | 12% | 5% | 12% | 10% | 13% | 5% | 13% | 12% | 7% | 10% | 9% |
| Net Profit | 263 | 377 | 304 | 777 | 381 | 380 | 322 | 811 | 520 | 529 | 551 | 814 | 594 |
| EPS in Rs | 2.63 | 3.76 | 3.04 | 7.76 | 3.81 | 3.80 | 3.21 | 8.10 | 5.19 | 5.28 | 5.50 | 8.12 | 5.93 |
Last Updated: August 1, 2025, 12:20 pm
Below is a detailed analysis of the quarterly data for SBI Life Insurance Company Ltd (SBILIFE) based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 38,996.00 Cr.. The value appears strong and on an upward trend. It has increased from 23,071.00 Cr. (Mar 2025) to 38,996.00 Cr., marking an increase of 15,925.00 Cr..
- For Expenses, as of Jun 2025, the value is 38,333.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23,520.00 Cr. (Mar 2025) to 38,333.00 Cr., marking an increase of 14,813.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 664.00 Cr.. The value appears strong and on an upward trend. It has increased from -449.00 Cr. (Mar 2025) to 664.00 Cr., marking an increase of 1,113.00 Cr..
- For OPM %, as of Jun 2025, the value is 2.00%. The value appears strong and on an upward trend. It has increased from -2.00% (Mar 2025) to 2.00%, marking an increase of 4.00%.
- For Other Income, as of Jun 2025, the value is -8.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,350.00 Cr. (Mar 2025) to -8.00 Cr., marking a decrease of 1,358.00 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 656.00 Cr.. The value appears to be declining and may need further review. It has decreased from 901.00 Cr. (Mar 2025) to 656.00 Cr., marking a decrease of 245.00 Cr..
- For Tax %, as of Jun 2025, the value is 9.00%. The value appears to be improving (decreasing) as expected. It has decreased from 10.00% (Mar 2025) to 9.00%, marking a decrease of 1.00%.
- For Net Profit, as of Jun 2025, the value is 594.00 Cr.. The value appears to be declining and may need further review. It has decreased from 814.00 Cr. (Mar 2025) to 594.00 Cr., marking a decrease of 220.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 5.93. The value appears to be declining and may need further review. It has decreased from 8.12 (Mar 2025) to 5.93, marking a decrease of 2.19.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 23, 2025, 2:08 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 17,258 | 23,299 | 19,324 | 30,548 | 34,068 | 44,604 | 43,798 | 81,913 | 82,983 | 80,636 | 131,988 | 116,888 | 121,231 |
| Expenses | 16,747 | 22,505 | 18,404 | 29,479 | 32,736 | 43,130 | 42,447 | 81,040 | 82,254 | 78,713 | 129,884 | 114,112 | 119,815 |
| Operating Profit | 511 | 794 | 920 | 1,068 | 1,332 | 1,474 | 1,351 | 872 | 730 | 1,923 | 2,104 | 2,776 | 1,417 |
| OPM % | 3% | 3% | 5% | 4% | 4% | 3% | 3% | 1% | 1% | 2% | 2% | 2% | 1% |
| Other Income | 344 | 183 | 129 | 139 | 156 | 266 | 529 | 867 | 1,032 | 51 | 50 | 0 | 1,335 |
| Interest | 5 | 4 | 5 | 5 | 6 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 35 | 34 | 37 | 48 | 59 | 92 | 89 | 99 | 75 | 68 | 76 | 84 | 0 |
| Profit before tax | 816 | 939 | 1,007 | 1,154 | 1,422 | 1,642 | 1,790 | 1,640 | 1,687 | 1,906 | 2,078 | 2,693 | 2,752 |
| Tax % | 11% | 13% | 16% | 17% | 19% | 19% | 21% | 11% | 11% | 10% | 9% | 10% | |
| Net Profit | 728 | 815 | 844 | 955 | 1,150 | 1,327 | 1,422 | 1,456 | 1,506 | 1,721 | 1,894 | 2,413 | 2,488 |
| EPS in Rs | 7.28 | 8.15 | 8.44 | 9.55 | 11.50 | 13.27 | 14.22 | 14.56 | 15.05 | 17.19 | 18.91 | 24.08 | 24.83 |
| Dividend Payout % | 14% | 15% | 14% | 16% | 17% | 15% | 0% | 17% | 13% | 15% | 14% | 11% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 11.95% | 3.56% | 13.15% | 20.42% | 15.39% | 7.16% | 2.39% | 3.43% | 14.28% | 10.05% | 27.40% |
| Change in YoY Net Profit Growth (%) | 0.00% | -8.39% | 9.59% | 7.27% | -5.03% | -8.23% | -4.77% | 1.04% | 10.84% | -4.22% | 17.35% |
SBI Life Insurance Company Ltd (SBILIFE) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 22% |
| 3 Years: | 12% |
| TTM: | -13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 11% |
| 3 Years: | 17% |
| TTM: | 22% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 11% |
| 1 Year: | -6% |
| Return on Equity | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 14% |
| 3 Years: | 14% |
| Last Year: | 15% |
Last Updated: September 5, 2025, 1:26 pm
Balance Sheet
Last Updated: September 10, 2025, 2:26 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,001 | 1,001 | 1,002 |
| Reserves | 2,356 | 3,056 | 3,733 | 4,552 | 5,528 | 6,576 | 7,743 | 9,400 | 10,622 | 12,017 | 13,907 | 15,983 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 57,284 | 70,064 | 78,696 | 96,687 | 115,193 | 139,157 | 156,837 | 216,430 | 261,715 | 301,582 | 383,369 | 440,110 |
| Total Liabilities | 60,640 | 74,121 | 83,429 | 102,240 | 121,720 | 146,734 | 165,580 | 226,830 | 273,337 | 314,599 | 398,277 | 457,095 |
| Fixed Assets | 304 | 292 | 301 | 507 | 511 | 563 | 568 | 564 | 919 | 520 | 551 | 580 |
| CWIP | 4 | 7 | 146 | 31 | 70 | 32 | 13 | 1 | 3 | 1 | 6 | 10 |
| Investments | 56,275 | 69,385 | 77,843 | 95,830 | 114,436 | 139,325 | 158,813 | 218,756 | 264,437 | 304,334 | 385,590 | 447,467 |
| Other Assets | 4,058 | 4,437 | 5,139 | 5,871 | 6,703 | 6,814 | 6,186 | 7,509 | 7,978 | 9,743 | 12,130 | 9,038 |
| Total Assets | 60,640 | 74,121 | 83,429 | 102,240 | 121,720 | 146,734 | 165,580 | 226,830 | 273,337 | 314,599 | 398,277 | 457,095 |
Below is a detailed analysis of the balance sheet data for SBI Life Insurance Company Ltd (SBILIFE) based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 1,002.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,001.00 Cr. (Mar 2024) to 1,002.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Mar 2025, the value is 15,983.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,907.00 Cr. (Mar 2024) to 15,983.00 Cr., marking an increase of 2,076.00 Cr..
- For Borrowings, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 440,110.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 383,369.00 Cr. (Mar 2024) to 440,110.00 Cr., marking an increase of 56,741.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 457,095.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 398,277.00 Cr. (Mar 2024) to 457,095.00 Cr., marking an increase of 58,818.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 580.00 Cr.. The value appears strong and on an upward trend. It has increased from 551.00 Cr. (Mar 2024) to 580.00 Cr., marking an increase of 29.00 Cr..
- For CWIP, as of Mar 2025, the value is 10.00 Cr.. The value appears strong and on an upward trend. It has increased from 6.00 Cr. (Mar 2024) to 10.00 Cr., marking an increase of 4.00 Cr..
- For Investments, as of Mar 2025, the value is 447,467.00 Cr.. The value appears strong and on an upward trend. It has increased from 385,590.00 Cr. (Mar 2024) to 447,467.00 Cr., marking an increase of 61,877.00 Cr..
- For Other Assets, as of Mar 2025, the value is 9,038.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,130.00 Cr. (Mar 2024) to 9,038.00 Cr., marking a decrease of 3,092.00 Cr..
- For Total Assets, as of Mar 2025, the value is 457,095.00 Cr.. The value appears strong and on an upward trend. It has increased from 398,277.00 Cr. (Mar 2024) to 457,095.00 Cr., marking an increase of 58,818.00 Cr..
Notably, the Reserves (15,983.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 511.00 | 794.00 | 920.00 | 1.00 | 1.00 | 1.00 | 1.00 | 872.00 | 730.00 | 1.00 | 2.00 | 2.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -2 | 0 | -6 | 3 | 3 | 4 | 11 | 1 | -3 | 1 | 4 | 2 |
| ROCE % | 27% | 25% | 23% | 23% | 24% | 22% | 22% | 17% | 15% | 15% | 15% | 17% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 24.09 | 18.92 | 17.19 | 15.06 | 14.56 |
| Diluted EPS (Rs.) | 24.07 | 18.90 | 17.18 | 15.04 | 14.55 |
| Cash EPS (Rs.) | 24.92 | 19.67 | 17.87 | 15.06 | 14.56 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 169.49 | 148.87 | 130.06 | 116.18 | 131.26 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 169.49 | 148.87 | 130.06 | 116.18 | 131.26 |
| Dividend / Share (Rs.) | 2.70 | 2.70 | 2.50 | 2.00 | 2.50 |
| Revenue From Operations / Share (Rs.) | 1166.39 | 1317.95 | 805.63 | 829.52 | 819.07 |
| PBDIT / Share (Rs.) | 30.36 | 23.54 | 21.31 | 25.89 | 17.77 |
| PBIT / Share (Rs.) | 29.52 | 22.77 | 20.63 | 25.89 | 17.77 |
| PBT / Share (Rs.) | 29.41 | 22.68 | 20.53 | 25.79 | 17.68 |
| Net Profit / Share (Rs.) | 24.08 | 18.91 | 17.19 | 15.05 | 14.56 |
| PBDIT Margin (%) | 2.60 | 1.78 | 2.64 | 3.12 | 2.16 |
| PBIT Margin (%) | 2.53 | 1.72 | 2.56 | 3.12 | 2.16 |
| PBT Margin (%) | 2.52 | 1.72 | 2.54 | 3.10 | 2.15 |
| Net Profit Margin (%) | 2.06 | 1.43 | 2.13 | 1.81 | 1.77 |
| Return on Networth / Equity (%) | 14.20 | 12.70 | 13.21 | 12.95 | 11.09 |
| Return on Capital Employeed (%) | 0.65 | 0.58 | 0.66 | 0.96 | 0.79 |
| Return On Assets (%) | 0.52 | 0.47 | 0.54 | 0.55 | 0.64 |
| Asset Turnover Ratio (%) | 0.27 | 0.37 | 0.27 | 0.33 | 0.41 |
| Current Ratio (X) | 1.39 | 2.13 | 1.85 | 1.48 | 1.69 |
| Quick Ratio (X) | 1.39 | 2.13 | 1.85 | 1.48 | 1.69 |
| Dividend Payout Ratio (NP) (%) | 11.21 | 14.27 | 14.54 | 13.28 | 17.17 |
| Dividend Payout Ratio (CP) (%) | 10.83 | 13.72 | 13.99 | 13.28 | 17.17 |
| Earning Retention Ratio (%) | 88.79 | 85.73 | 85.46 | 86.72 | 82.83 |
| Cash Earning Retention Ratio (%) | 89.17 | 86.28 | 86.01 | 86.72 | 82.83 |
| Interest Coverage Ratio (X) | 265.96 | 258.09 | 211.52 | 258.66 | 213.63 |
| Interest Coverage Ratio (Post Tax) (X) | 234.23 | 229.60 | 186.42 | 166.49 | 191.47 |
| Enterprise Value (Cr.) | 153289.65 | 145268.63 | 105898.47 | 108857.30 | 85345.72 |
| EV / Net Operating Revenue (X) | 1.31 | 1.10 | 1.31 | 1.31 | 1.04 |
| EV / EBITDA (X) | 50.38 | 61.63 | 49.65 | 42.02 | 48.02 |
| MarketCap / Net Operating Revenue (X) | 1.33 | 1.14 | 1.36 | 1.35 | 1.08 |
| Retention Ratios (%) | 88.78 | 85.72 | 85.45 | 86.71 | 82.82 |
| Price / BV (X) | 9.13 | 10.06 | 8.46 | 9.64 | 6.71 |
| Price / Net Operating Revenue (X) | 1.33 | 1.14 | 1.36 | 1.35 | 1.08 |
| EarningsYield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
After reviewing the key financial ratios for SBI Life Insurance Company Ltd (SBILIFE), here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 24.09. This value is within the healthy range. It has increased from 18.92 (Mar 24) to 24.09, marking an increase of 5.17.
- For Diluted EPS (Rs.), as of Mar 25, the value is 24.07. This value is within the healthy range. It has increased from 18.90 (Mar 24) to 24.07, marking an increase of 5.17.
- For Cash EPS (Rs.), as of Mar 25, the value is 24.92. This value is within the healthy range. It has increased from 19.67 (Mar 24) to 24.92, marking an increase of 5.25.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 169.49. It has increased from 148.87 (Mar 24) to 169.49, marking an increase of 20.62.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 169.49. It has increased from 148.87 (Mar 24) to 169.49, marking an increase of 20.62.
- For Dividend / Share (Rs.), as of Mar 25, the value is 2.70. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.70.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1,166.39. It has decreased from 1,317.95 (Mar 24) to 1,166.39, marking a decrease of 151.56.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 30.36. This value is within the healthy range. It has increased from 23.54 (Mar 24) to 30.36, marking an increase of 6.82.
- For PBIT / Share (Rs.), as of Mar 25, the value is 29.52. This value is within the healthy range. It has increased from 22.77 (Mar 24) to 29.52, marking an increase of 6.75.
- For PBT / Share (Rs.), as of Mar 25, the value is 29.41. This value is within the healthy range. It has increased from 22.68 (Mar 24) to 29.41, marking an increase of 6.73.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 24.08. This value is within the healthy range. It has increased from 18.91 (Mar 24) to 24.08, marking an increase of 5.17.
- For PBDIT Margin (%), as of Mar 25, the value is 2.60. This value is below the healthy minimum of 10. It has increased from 1.78 (Mar 24) to 2.60, marking an increase of 0.82.
- For PBIT Margin (%), as of Mar 25, the value is 2.53. This value is below the healthy minimum of 10. It has increased from 1.72 (Mar 24) to 2.53, marking an increase of 0.81.
- For PBT Margin (%), as of Mar 25, the value is 2.52. This value is below the healthy minimum of 10. It has increased from 1.72 (Mar 24) to 2.52, marking an increase of 0.80.
- For Net Profit Margin (%), as of Mar 25, the value is 2.06. This value is below the healthy minimum of 5. It has increased from 1.43 (Mar 24) to 2.06, marking an increase of 0.63.
- For Return on Networth / Equity (%), as of Mar 25, the value is 14.20. This value is below the healthy minimum of 15. It has increased from 12.70 (Mar 24) to 14.20, marking an increase of 1.50.
- For Return on Capital Employeed (%), as of Mar 25, the value is 0.65. This value is below the healthy minimum of 10. It has increased from 0.58 (Mar 24) to 0.65, marking an increase of 0.07.
- For Return On Assets (%), as of Mar 25, the value is 0.52. This value is below the healthy minimum of 5. It has increased from 0.47 (Mar 24) to 0.52, marking an increase of 0.05.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.27. It has decreased from 0.37 (Mar 24) to 0.27, marking a decrease of 0.10.
- For Current Ratio (X), as of Mar 25, the value is 1.39. This value is below the healthy minimum of 1.5. It has decreased from 2.13 (Mar 24) to 1.39, marking a decrease of 0.74.
- For Quick Ratio (X), as of Mar 25, the value is 1.39. This value is within the healthy range. It has decreased from 2.13 (Mar 24) to 1.39, marking a decrease of 0.74.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 11.21. This value is below the healthy minimum of 20. It has decreased from 14.27 (Mar 24) to 11.21, marking a decrease of 3.06.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 10.83. This value is below the healthy minimum of 20. It has decreased from 13.72 (Mar 24) to 10.83, marking a decrease of 2.89.
- For Earning Retention Ratio (%), as of Mar 25, the value is 88.79. This value exceeds the healthy maximum of 70. It has increased from 85.73 (Mar 24) to 88.79, marking an increase of 3.06.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 89.17. This value exceeds the healthy maximum of 70. It has increased from 86.28 (Mar 24) to 89.17, marking an increase of 2.89.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 265.96. This value is within the healthy range. It has increased from 258.09 (Mar 24) to 265.96, marking an increase of 7.87.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 234.23. This value is within the healthy range. It has increased from 229.60 (Mar 24) to 234.23, marking an increase of 4.63.
- For Enterprise Value (Cr.), as of Mar 25, the value is 153,289.65. It has increased from 145,268.63 (Mar 24) to 153,289.65, marking an increase of 8,021.02.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 1.31. This value is within the healthy range. It has increased from 1.10 (Mar 24) to 1.31, marking an increase of 0.21.
- For EV / EBITDA (X), as of Mar 25, the value is 50.38. This value exceeds the healthy maximum of 15. It has decreased from 61.63 (Mar 24) to 50.38, marking a decrease of 11.25.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.33. This value is within the healthy range. It has increased from 1.14 (Mar 24) to 1.33, marking an increase of 0.19.
- For Retention Ratios (%), as of Mar 25, the value is 88.78. This value exceeds the healthy maximum of 70. It has increased from 85.72 (Mar 24) to 88.78, marking an increase of 3.06.
- For Price / BV (X), as of Mar 25, the value is 9.13. This value exceeds the healthy maximum of 3. It has decreased from 10.06 (Mar 24) to 9.13, marking a decrease of 0.93.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.33. This value is within the healthy range. It has increased from 1.14 (Mar 24) to 1.33, marking an increase of 0.19.
- For EarningsYield, as of Mar 25, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in SBI Life Insurance Company Ltd (SBILIFE):
- Net Profit Margin: 2.06%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0.65% (Industry Average ROCE: 10.88%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 14.2% (Industry Average ROE: 10.89%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 234.23
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.39
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 81.7 (Industry average Stock P/E: 110.28)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 2.06%
FAQ
What is the intrinsic value of SBI Life Insurance Company Ltd (SBILIFE)?
SBI Life Insurance Company Ltd (SBILIFE)'s intrinsic value (as of 09 November 2025) is 1798.74 which is 10.02% lower the current market price of 1,999.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 2,00,403 Cr. market cap, FY2025-2026 high/low of 2,004/1,373, reserves of ₹15,983 Cr, and liabilities of 457,095 Cr.
What is the Market Cap of SBI Life Insurance Company Ltd (SBILIFE)?
The Market Cap of SBI Life Insurance Company Ltd (SBILIFE) is 2,00,403 Cr..
What is the current Stock Price of SBI Life Insurance Company Ltd (SBILIFE) as on 09 November 2025?
The current stock price of SBI Life Insurance Company Ltd (SBILIFE) as on 09 November 2025 is 1,999.
What is the High / Low of SBI Life Insurance Company Ltd (SBILIFE) stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of SBI Life Insurance Company Ltd (SBILIFE) stocks is 2,004/1,373.
What is the Stock P/E of SBI Life Insurance Company Ltd (SBILIFE)?
The Stock P/E of SBI Life Insurance Company Ltd (SBILIFE) is 81.7.
What is the Book Value of SBI Life Insurance Company Ltd (SBILIFE)?
The Book Value of SBI Life Insurance Company Ltd (SBILIFE) is 182.
What is the Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE)?
The Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE) is 0.14 %.
What is the ROCE of SBI Life Insurance Company Ltd (SBILIFE)?
The ROCE of SBI Life Insurance Company Ltd (SBILIFE) is 16.9 %.
What is the ROE of SBI Life Insurance Company Ltd (SBILIFE)?
The ROE of SBI Life Insurance Company Ltd (SBILIFE) is 15.1 %.
What is the Face Value of SBI Life Insurance Company Ltd (SBILIFE)?
The Face Value of SBI Life Insurance Company Ltd (SBILIFE) is 10.0.