Share Price and Basic Stock Data
Last Updated: October 18, 2025, 6:34 pm
| PEG Ratio | 7.05 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
SBI Life Insurance Company Ltd (SBILIFE) operates in the life insurance sector and reported a market capitalization of ₹1,81,961 Cr. The company’s share price stood at ₹1,815. In the fiscal year ending March 2025, SBILIFE recorded total sales of ₹116,888 Cr, a notable increase from ₹80,636 Cr in March 2023. This growth trajectory indicates a robust demand for its insurance products. Quarterly sales data shows fluctuations, with the highest quarterly sales of ₹39,033 Cr recorded in December 2023 and a substantial ₹40,302 Cr in September 2024. The company’s operational performance, reflected in its Operating Profit Margin (OPM), fluctuated between 1% to 6% in the past quarters, with a reported OPM of 2% in the latest fiscal year. Despite some seasonal variations, the overall upward trend in sales underscores the company’s strong positioning in the competitive life insurance market.
Profitability and Efficiency Metrics
SBILIFE’s profitability metrics demonstrate a consistent ability to generate earnings despite challenging market conditions. The net profit for the fiscal year ending March 2025 was reported at ₹2,413 Cr, an increase from ₹1,721 Cr in the previous year. The Earnings Per Share (EPS) also reflected this growth, rising to ₹24.08 from ₹17.19. Return on Equity (ROE) stood at 15.1%, while Return on Capital Employed (ROCE) was reported at 16.9%. However, the interest coverage ratio (ICR) was noted at 0.00x, indicating that the company currently does not have interest obligations, which could be a strength in terms of financial flexibility. The Cash Conversion Cycle (CCC) remained at 0 days, reflecting efficient management of receivables and payables. These profitability and efficiency metrics highlight SBILIFE’s operational resilience and capacity to generate shareholder value.
Balance Sheet Strength and Financial Ratios
SBILIFE’s balance sheet reflects a strong financial position, with total assets amounting to ₹457,095 Cr as of March 2025. The company reported zero borrowings, which positions it favorably in terms of financial leverage. Reserves have significantly grown to ₹15,983 Cr, indicating a solid buffer for future growth and potential investments. The Price to Book Value (P/BV) ratio stood at 9.13x, higher than typical sector ranges, suggesting a premium valuation that investors place on the company. The liquidity ratios, including the current and quick ratios both at 1.39, indicate adequate liquidity to meet short-term obligations. However, the net profit margin of 2.06% suggests that while revenues are increasing, the company faces challenges in maintaining higher profitability relative to its sales, which may require strategic adjustments.
Shareholding Pattern and Investor Confidence
The shareholding pattern of SBILIFE exhibits a stable structure with promoter holdings at 55.37%. Foreign Institutional Investors (FIIs) hold 22.34%, while Domestic Institutional Investors (DIIs) account for 18.24%. The public shareholding is relatively small at 4.05%, with the number of shareholders reported at 3,55,321. Notably, FII holdings have shown a declining trend from 24.33% in September 2022 to 21.88% by March 2025, which may reflect varying sentiments among institutional investors. Meanwhile, DII ownership has increased slightly from 15.65% to 18.67% during the same period, indicating growing confidence among domestic investors. This diverse shareholding structure may enhance corporate governance and ensure alignment of interests among shareholders, contributing positively to investor sentiment.
Outlook, Risks, and Final Insight
If margins sustain and operational efficiencies improve, SBILIFE could leverage its strong market position to enhance profitability further. The absence of debt provides a unique opportunity for reinvestment into growth initiatives without the burden of interest payments. However, potential risks include fluctuations in market conditions that could impact premium income and profitability. Additionally, the declining trend of FII investment may signal caution among foreign investors, which could affect stock performance. Should the company successfully navigate these challenges and continue to innovate in product offerings, it could achieve sustained growth and improved financial metrics in the competitive landscape of the Indian life insurance sector.
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) | 1,84,884 Cr. | 1,844 | 1,912/1,373 | 74.3 | 178 | 0.15 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 53,410 Cr. | 1,548 | 1,679/950 | 197 | 153 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 86,193 Cr. | 596 | 777/517 | 66.0 | 87.9 | 0.14 % | 11.8 % | 10.3 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,60,833 Cr. | 746 | 821/584 | 85.0 | 78.7 | 0.28 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 121,330.00 Cr | 1,183.50 | 105.58 | 124.40 | 0.14% | 10.85% | 10.87% | 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 |
|---|---|
|
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: 10.85%)
- 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: 10.87%)
- 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: 74.3 (Industry average Stock P/E: 105.58)
- 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 | info@sbilife.co.in http://www.sbilife.co.in |
| 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 19 October 2025) is 1600.02 which is 13.23% lower the current market price of 1,844.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,84,884 Cr. market cap, FY2025-2026 high/low of 1,912/1,373, 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 1,84,884 Cr..
What is the current Stock Price of SBI Life Insurance Company Ltd (SBILIFE) as on 19 October 2025?
The current stock price of SBI Life Insurance Company Ltd (SBILIFE) as on 19 October 2025 is 1,844.
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 1,912/1,373.
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 74.3.
What is the Book Value of SBI Life Insurance Company Ltd (SBILIFE)?
The Book Value of SBI Life Insurance Company Ltd (SBILIFE) is 178.
What is the Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE)?
The Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE) is 0.15 %.
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.