Share Price and Basic Stock Data
Last Updated: January 10, 2026, 7:13 am
| PEG Ratio | 8.28 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
SBI Life Insurance Company Ltd (SBILIFE) operates in the life insurance sector, which has seen considerable growth in recent years. For the financial year ending March 2024, SBILIFE reported sales of ₹131,988 Cr, a significant increase from ₹80,636 Cr in March 2023. The company’s quarterly sales figures exhibited a consistent upward trend, particularly with a remarkable jump to ₹39,033 Cr in December 2023, and further rising to ₹40,302 Cr in September 2024. This growth trajectory indicates a robust demand for life insurance products, supported by a growing middle class and increased awareness of financial planning in India. The company has also demonstrated resilience in its operations, as evidenced by the fluctuation in quarterly sales, which recorded a low of ₹21,296 Cr in March 2023, showcasing its ability to navigate market challenges effectively.
Profitability and Efficiency Metrics
SBILIFE’s profitability metrics reflect a mixed performance over the recent reporting periods. The net profit for March 2025 stood at ₹2,413 Cr, up from ₹1,721 Cr in March 2023, indicating a healthy year-on-year growth. However, the operating profit margin (OPM) remained relatively low at 2% for the fiscal year ending March 2025, which is below the industry average, suggesting potential challenges in cost management. The company recorded an interest coverage ratio of 265.96x, highlighting its ability to cover interest expenses comfortably, indicating strong financial leverage. Return on equity (ROE) was reported at 15.1%, showcasing effective utilization of shareholders’ equity. While these figures suggest a sound operational framework, the low OPM remains a concern in terms of maximizing profitability.
Balance Sheet Strength and Financial Ratios
Examining SBILIFE’s balance sheet reveals a solid financial position, with total assets amounting to ₹457,095 Cr as of March 2025, reflecting consistent growth from ₹314,599 Cr in March 2023. The company reported zero borrowings, indicating strong financial discipline and a reliance on internal cash flows for growth. Reserves have increased to ₹15,983 Cr in March 2025, up from ₹12,017 Cr in March 2023, which bolsters the company’s financial stability. The price-to-book value ratio stood at 9.13x, suggesting a premium valuation compared to typical sector benchmarks. Furthermore, the current ratio of 1.39x indicates adequate liquidity to meet short-term obligations, enhancing investor confidence. However, the high price-to-earnings (P/E) ratio of 84.6 indicates that the stock may be overvalued relative to its earnings, which could pose risks for investors seeking value.
Shareholding Pattern and Investor Confidence
The shareholding structure of SBILIFE reflects a stable investor base, with promoters holding 55.36% of the shares as of September 2025. This indicates strong management control and commitment to the company’s long-term vision. Foreign institutional investors (FIIs) accounted for 21.85%, while domestic institutional investors (DIIs) held 18.70%, demonstrating a balanced mix of domestic and international confidence in the company. The public holding stood at 4.09%, which is relatively low, suggesting a concentrated ownership structure that could lead to volatility in stock performance. The total number of shareholders increased to 3,57,764, indicating growing retail interest in the company. This robust shareholding pattern, combined with a consistent dividend payout of ₹2.70 per share for March 2025, reflects a commitment to returning value to shareholders and enhances the overall attractiveness of the stock.
Outlook, Risks, and Final Insight
Looking ahead, SBILIFE is positioned to leverage the growing insurance market in India, bolstered by increasing financial literacy and a larger middle-class population. However, the company faces risks related to its low operating profit margins, which could impact its ability to compete effectively in a price-sensitive market. Additionally, the high P/E ratio may deter value-focused investors, raising concerns about future price corrections. Regulatory changes in the insurance sector could also pose challenges. Nevertheless, if SBILIFE can improve its operational efficiency and manage costs effectively, it may enhance profitability and shareholder value. The company’s strong balance sheet and investor confidence provide a solid foundation for future growth, making it a noteworthy player in the life insurance industry.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| SBI Life Insurance Company Ltd (SBILIFE) | 2,07,586 Cr. | 2,070 | 2,110/1,373 | 84.6 | 182 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 57,976 Cr. | 1,680 | 1,765/950 | 355 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 99,238 Cr. | 685 | 698/517 | 75.9 | 87.9 | 0.12 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,61,742 Cr. | 750 | 821/584 | 85.4 | 78.7 | 0.28 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 131,635.50 Cr | 1,296.25 | 150.23 | 125.65 | 0.13% | 10.88% | 10.89% | 8.00 |
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: December 10, 2025, 3:22 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 | 4.18 | 3932 | N/A | N/A | N/A |
| ICICI Prudential Value Fund | 9,583,134 | 3.12 | 1884.04 | 9,681,384 | 2025-12-15 04:37:11 | -1.01% |
| ICICI Prudential Large Cap Fund | 5,817,373 | 1.46 | 1143.7 | N/A | N/A | N/A |
| ICICI Prudential India Opportunities Fund | 5,336,265 | 3.09 | 1049.11 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 4,938,689 | 0.9 | 970.95 | N/A | N/A | N/A |
| HDFC Focused Fund | 4,700,000 | 3.52 | 924.02 | N/A | N/A | N/A |
| HDFC ELSS Tax Saver Fund | 4,500,000 | 5.13 | 884.7 | N/A | N/A | N/A |
| Nippon India Large Cap Fund | 3,842,885 | 1.5 | 755.51 | 3,442,885 | 2025-12-15 04:37:11 | 11.62% |
| ICICI Prudential Balanced Advantage Fund | 3,540,522 | 1 | 696.07 | N/A | N/A | N/A |
| ICICI Prudential Banking and Financial Services | 3,104,315 | 5.51 | 610.31 | N/A | N/A | N/A |
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: 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: 84.6 (Industry average Stock P/E: 150.23)
- 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 11 January 2026) is ₹1862.40 which is 10.03% lower the current market price of ₹2,070.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹2,07,586 Cr. market cap, FY2025-2026 high/low of ₹2,110/1,373, 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 2,07,586 Cr..
What is the current Stock Price of SBI Life Insurance Company Ltd (SBILIFE) as on 11 January 2026?
The current stock price of SBI Life Insurance Company Ltd (SBILIFE) as on 11 January 2026 is ₹2,070.
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 ₹2,110/1,373.
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 84.6.
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 0.13 %.
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.