Share Price and Basic Stock Data
Last Updated: February 3, 2026, 2:55 am
| PEG Ratio | 7.92 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
SBI Life Insurance Company Ltd (SBILIFE) operates within the life insurance sector, showcasing a robust performance in revenue generation. For the fiscal year ending March 2025, the company reported sales of ₹116,888 Cr, a significant increase from ₹80,636 Cr in March 2023. This upward trajectory is indicative of a well-performing business model, which has been bolstered by a consistent demand for life insurance products in India. The quarterly sales figures reflect this trend, with the company recording ₹39,033 Cr in December 2023, followed by ₹36,255 Cr in March 2024. Moreover, the latest quarterly report for September 2023 shows sales reaching ₹28,805 Cr, demonstrating resilience despite potential market fluctuations. The overall market capitalization of ₹2,05,840 Cr further emphasizes its standing within the finance industry, particularly in comparison to competitors, who often struggle to maintain consistent growth. The company’s ability to generate substantial revenue underscores its competitive advantages and effective distribution channels, which continue to attract a diverse customer base.
Profitability and Efficiency Metrics
Profitability for SBI Life Insurance is highlighted by a net profit of ₹2,413 Cr for the fiscal year ending March 2025, marking a notable increase from ₹1,721 Cr in March 2023. The company’s operating profit margin (OPM) stood at 2.06% in March 2025, showcasing a slight improvement compared to previous years, where it hovered around 1-2%. Additionally, the return on equity (ROE) recorded at 14.20% demonstrates effective use of shareholders’ equity to generate profits, while the return on capital employed (ROCE) stood at 0.65%, indicating a stable efficiency in utilizing capital. The interest coverage ratio (ICR) of 265.96x reflects exceptional ability to cover interest expenses, a strong indicator of financial health. This efficiency allows SBI Life to maintain a competitive edge in the life insurance segment, where profitability metrics are crucial for sustaining operations and attracting investment. However, the declining operating profit in certain quarters, such as a negative ₹901 Cr in March 2023, raises concerns about operational consistency and cost management.
Balance Sheet Strength and Financial Ratios
SBI Life’s balance sheet exhibits significant strength, with total assets reported at ₹457,095 Cr as of March 2025, compared to ₹314,599 Cr in March 2023. The company maintains zero borrowings, which positions it favorably against competitors that may carry debt. Reserves have grown to ₹15,983 Cr in March 2025, up from ₹12,017 Cr in March 2023, indicating a prudent approach to capital management and retention for future growth. The price to book value (P/BV) ratio is 9.13x, which, while higher than the typical sector range, reflects investor confidence in the company’s growth prospects. The current ratio stands at 1.39, suggesting adequate liquidity to meet short-term obligations. However, the enterprise value (EV) of ₹153,289.65 Cr compared to net operating revenue of ₹1.31 indicates that investors are paying a premium for the company’s growth potential, which may pose risks if performance does not meet expectations. Overall, the financial ratios suggest a well-capitalized entity with sound financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBI Life reveals a stable structure that supports investor confidence. Promoters hold 55.36% of the total shares, a figure that has gradually declined from 55.45% in December 2022, indicating a slight dilution but maintaining a controlling interest. Foreign institutional investors (FIIs) hold 21.85%, while domestic institutional investors (DIIs) account for 18.70%. This blend of institutional support suggests a strong endorsement of the company’s strategic direction and operational performance. The number of shareholders has also increased to 3,57,764, indicating growing interest in SBI Life’s stock. However, the decline in FII holdings from a peak of 26.22% in June 2023 to 21.85% in September 2025 may raise questions about foreign investor sentiment. The stability in DIIs, however, reflects local confidence in the company’s prospects, which is crucial for sustaining stock performance in the volatile market environment.
Outlook, Risks, and Final Insight
Looking ahead, SBI Life Insurance Company Ltd faces a landscape filled with both opportunities and risks. The company’s strong financial metrics, including a high ICR and zero debt, position it well for growth in the expanding Indian insurance market. However, the fluctuating operating profit margins and occasional dips in quarterly performance highlight operational challenges that need addressing. Risks include increased competition in the life insurance sector and potential regulatory changes that could impact profitability. Additionally, the reliance on domestic markets may expose the company to economic downturns. Nevertheless, if SBI Life continues to innovate its product offerings and improve operational efficiency, it is likely to maintain its growth trajectory and investor interest. The combination of a stable shareholder base and a healthy balance sheet provides a solid foundation for navigating future uncertainties, positioning SBI Life as a resilient player in the life insurance market.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Life Insurance Corporation of India | 5,07,360 Cr. | 802 | 980/715 | 9.93 | 224 | 1.50 % | 53.1 % | 45.7 % | 10.0 |
| SBI Life Insurance Company Ltd (SBILIFE) | 2,00,666 Cr. | 2,001 | 2,116/1,380 | 80.9 | 190 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 56,654 Cr. | 1,642 | 1,765/950 | 347 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 92,867 Cr. | 642 | 707/517 | 67.8 | 92.9 | 0.13 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,55,624 Cr. | 718 | 821/600 | 82.3 | 81.6 | 0.29 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 202,634.20 Cr | 1,161.00 | 117.59 | 148.50 | 0.41% | 19.32% | 17.85% | 8.40 |
All Competitor Stocks of SBI Life Insurance Company Ltd (SBILIFE)
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 27,717 | 26,817 | 21,296 | 27,895 | 28,805 | 39,033 | 36,255 | 34,654 | 40,302 | 18,862 | 23,071 | 38,996 | 23,115 |
| Expenses | 27,292 | 26,483 | 22,197 | 27,471 | 28,392 | 38,681 | 37,043 | 34,060 | 39,696 | 18,266 | 23,520 | 38,333 | 22,600 |
| Operating Profit | 426 | 333 | -901 | 424 | 413 | 352 | -788 | 594 | 606 | 596 | -449 | 664 | 516 |
| OPM % | 2% | 1% | -4% | 2% | 1% | 1% | -2% | 2% | 2% | 3% | -2% | 2% | 2% |
| Other Income | 11 | 13 | 1,723 | 9 | 12 | 18 | 1,639 | 3 | -4 | -3 | 1,350 | -8 | 16 |
| 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 | 437 | 346 | 822 | 433 | 424 | 370 | 851 | 597 | 601 | 594 | 901 | 656 | 532 |
| Tax % | 14% | 12% | 5% | 12% | 10% | 13% | 5% | 13% | 12% | 7% | 10% | 9% | 7% |
| Net Profit | 377 | 304 | 777 | 381 | 380 | 322 | 811 | 520 | 529 | 551 | 814 | 594 | 495 |
| EPS in Rs | 3.76 | 3.04 | 7.76 | 3.81 | 3.80 | 3.21 | 8.10 | 5.19 | 5.28 | 5.50 | 8.12 | 5.93 | 4.93 |
Last Updated: December 29, 2025, 6:04 am
Below is a detailed analysis of the quarterly data for SBI Life Insurance Company Ltd (SBILIFE) based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 23,115.00 Cr.. The value appears to be declining and may need further review. It has decreased from 38,996.00 Cr. (Jun 2025) to 23,115.00 Cr., marking a decrease of 15,881.00 Cr..
- For Expenses, as of Sep 2025, the value is 22,600.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 38,333.00 Cr. (Jun 2025) to 22,600.00 Cr., marking a decrease of 15,733.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 516.00 Cr.. The value appears to be declining and may need further review. It has decreased from 664.00 Cr. (Jun 2025) to 516.00 Cr., marking a decrease of 148.00 Cr..
- For OPM %, as of Sep 2025, the value is 2.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 2.00%.
- For Other Income, as of Sep 2025, the value is 16.00 Cr.. The value appears strong and on an upward trend. It has increased from -8.00 Cr. (Jun 2025) to 16.00 Cr., marking an increase of 24.00 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 532.00 Cr.. The value appears to be declining and may need further review. It has decreased from 656.00 Cr. (Jun 2025) to 532.00 Cr., marking a decrease of 124.00 Cr..
- For Tax %, as of Sep 2025, the value is 7.00%. The value appears to be improving (decreasing) as expected. It has decreased from 9.00% (Jun 2025) to 7.00%, marking a decrease of 2.00%.
- For Net Profit, as of Sep 2025, the value is 495.00 Cr.. The value appears to be declining and may need further review. It has decreased from 594.00 Cr. (Jun 2025) to 495.00 Cr., marking a decrease of 99.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.93. The value appears to be declining and may need further review. It has decreased from 5.93 (Jun 2025) to 4.93, marking a decrease of 1.00.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:41 am
| 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 | 104,045 |
| 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 | 102,718 |
| Operating Profit | 511 | 794 | 920 | 1,068 | 1,332 | 1,474 | 1,351 | 872 | 730 | 1,923 | 2,104 | 2,776 | 1,327 |
| 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 | 1,356 |
| 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 | 2,682 |
| 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 | 2,453 |
| 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 | 24.48 |
| 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: February 1, 2026, 3:52 am
| 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 | Sep 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 | 1,003 |
| 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 | 17,294 |
| Borrowings | -0 | -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 | 471,645 |
| 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 | 489,941 |
| Fixed Assets | 304 | 292 | 301 | 507 | 511 | 563 | 568 | 564 | 919 | 520 | 551 | 580 | 632 |
| CWIP | 4 | 7 | 146 | 31 | 70 | 32 | 13 | 1 | 3 | 1 | 6 | 10 | -0 |
| 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 | 480,726 |
| 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 | 8,583 |
| 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 | 489,941 |
Below is a detailed analysis of the balance sheet data for SBI Life Insurance Company Ltd (SBILIFE) based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 1,003.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,002.00 Cr. (Mar 2025) to 1,003.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 17,294.00 Cr.. The value appears strong and on an upward trend. It has increased from 15,983.00 Cr. (Mar 2025) to 17,294.00 Cr., marking an increase of 1,311.00 Cr..
- For Borrowings, as of Sep 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 2025) which recorded 0.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 471,645.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 440,110.00 Cr. (Mar 2025) to 471,645.00 Cr., marking an increase of 31,535.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 489,941.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 457,095.00 Cr. (Mar 2025) to 489,941.00 Cr., marking an increase of 32,846.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 632.00 Cr.. The value appears strong and on an upward trend. It has increased from 580.00 Cr. (Mar 2025) to 632.00 Cr., marking an increase of 52.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 10.00 Cr..
- For Investments, as of Sep 2025, the value is 480,726.00 Cr.. The value appears strong and on an upward trend. It has increased from 447,467.00 Cr. (Mar 2025) to 480,726.00 Cr., marking an increase of 33,259.00 Cr..
- For Other Assets, as of Sep 2025, the value is 8,583.00 Cr.. The value appears to be declining and may need further review. It has decreased from 9,038.00 Cr. (Mar 2025) to 8,583.00 Cr., marking a decrease of 455.00 Cr..
- For Total Assets, as of Sep 2025, the value is 489,941.00 Cr.. The value appears strong and on an upward trend. It has increased from 457,095.00 Cr. (Mar 2025) to 489,941.00 Cr., marking an increase of 32,846.00 Cr..
Notably, the Reserves (17,294.00 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
| 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
| 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% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Flexi Cap Fund | 20,000,000 | 4.23 | 4069.8 | N/A | N/A | N/A |
| ICICI Prudential Value Fund | 9,583,134 | 3.18 | 1950.07 | 9,681,384 | 2025-12-15 04:37:11 | -1.01% |
| ICICI Prudential Large Cap Fund | 5,664,267 | 1.47 | 1152.62 | 5,817,373 | 2026-01-26 07:02:50 | -2.63% |
| ICICI Prudential India Opportunities Fund | 5,382,467 | 3.15 | 1095.28 | 5,336,265 | 2026-01-26 07:02:50 | 0.87% |
| HDFC Balanced Advantage Fund | 4,938,689 | 0.93 | 1004.97 | N/A | N/A | N/A |
| HDFC Focused Fund | 4,700,000 | 3.6 | 956.4 | N/A | N/A | N/A |
| HDFC ELSS Tax Saver Fund | 4,500,000 | 5.34 | 915.71 | N/A | N/A | N/A |
| Nippon India Large Cap Fund | 3,842,885 | 1.54 | 781.99 | 3,442,885 | 2025-12-15 04:37:11 | 11.62% |
| ICICI Prudential Balanced Advantage Fund | 3,540,522 | 1.02 | 720.46 | N/A | N/A | N/A |
| ICICI Prudential Banking and Financial Services | 3,016,205 | 5.5 | 613.77 | 3,104,315 | 2026-01-26 07:02:50 | -2.84% |
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 |
|---|---|
|
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: 19.32%)
- 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: 17.85%)
- 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: 80.9 (Industry average Stock P/E: 117.59)
- 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%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Life Insurance | 'Natraj', M V Road, Western Express Highway Junction, Mumbai Maharashtra 400069 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Challa Sreenivasulu Setty | Chairman |
| Mr. Amit Jhingran | Managing Director & CEO |
| Mr. Shobinder Duggal | Independent Director |
| Ms. Usha Sangwan | Independent Director |
| Mr. Narayan K Seshadri | Independent Director |
| Dr. Tejendra Mohan Bhasin | Independent Director |
| Mr. Venugopal Bhaskaran Nayar | Independent Director |
| Mr. Ashwini Kumar Tewari | Nominee Director |
FAQ
What is the intrinsic value of SBI Life Insurance Company Ltd (SBILIFE)?
SBI Life Insurance Company Ltd (SBILIFE)'s intrinsic value (as of 03 February 2026) is ₹2049.22 which is 2.41% higher the current market price of ₹2,001.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹2,00,666 Cr. market cap, FY2025-2026 high/low of ₹2,116/1,380, reserves of ₹17,294 Cr, and liabilities of ₹489,941 Cr.
What is the Market Cap of SBI Life Insurance Company Ltd (SBILIFE)?
The Market Cap of SBI Life Insurance Company Ltd (SBILIFE) is 2,00,666 Cr..
What is the current Stock Price of SBI Life Insurance Company Ltd (SBILIFE) as on 03 February 2026?
The current stock price of SBI Life Insurance Company Ltd (SBILIFE) as on 03 February 2026 is ₹2,001.
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 ₹2,116/1,380.
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 80.9.
What is the Book Value of SBI Life Insurance Company Ltd (SBILIFE)?
The Book Value of SBI Life Insurance Company Ltd (SBILIFE) is 190.
What is the Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE)?
The Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE) is 0.13 %.
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.