SBI Life Insurance Company Ltd (SBILIFE): Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 12, 2025, 12:11 pm

Market Cap	1,41,328 Cr.
Current Price	1,410
High / Low	1,936/1,307
Stock P/E	58.6
Book Value	166
Dividend Yield	0.19 %
ROCE	13.2 %
ROE	12.0 %
Face Value	10.0
PEG Ratio	5.54

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for SBI Life Insurance Company Ltd (SBILIFE)

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)	1,41,328 Cr.	1,410	1,936/1,307	58.6	166	0.19 %	13.2 %	12.0 %	10.0
Max Financial Services Ltd	36,384 Cr.	1,055	1,311/864	144	150	0.00 %	9.77 %	9.21 %	2.00
ICICI Prudential Life Insurance Company Ltd	78,653 Cr.	545	797/515	80.8	80.5	0.11 %	8.75 %	8.07 %	10.0
HDFC Life Insurance Company Ltd	1,36,214 Cr.	633	761/511	78.0	73.4	0.32 %	6.61 %	11.4 %	10.0
Industry Average	98,144.75 Cr	910.75		90.35	117.48	0.16%	9.58%	10.17%	8.00

All Competitor Stocks of SBI Life Insurance Company Ltd (SBILIFE)

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	20,672	20,671	4,806	27,717	26,817	21,296	27,895	28,805	39,033	36,255	34,654	40,302	18,862
Expenses	20,272	20,941	4,516	27,292	26,483	22,197	27,471	28,392	38,681	37,043	34,060	39,696	18,266
Operating Profit	400	-270	290	426	333	-901	424	413	352	-788	594	606	596
OPM %	2%	-1%	6%	2%	1%	-4%	2%	1%	1%	-2%	2%	2%	3%
Other Income	10	995	11	11	13	1,723	9	12	18	1,639	3	-4	-3
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	410	725	301	437	346	822	433	424	370	851	597	601	594
Tax %	11%	7%	13%	14%	12%	5%	12%	10%	13%	5%	13%	12%	7%
Net Profit	364	672	263	377	304	777	381	380	322	811	520	529	551
EPS in Rs	3.64	6.72	2.63	3.76	3.04	7.76	3.81	3.80	3.21	8.10	5.19	5.28	5.50

Last Updated: February 28, 2025, 5:18 pm

Below is a detailed analysis of the quarterly data for SBI Life Insurance Company Ltd (SBILIFE) based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is ₹18,862.00 Cr.. The value appears to be declining and may need further review. It has decreased from 40,302.00 Cr. (Sep 2024) to ₹18,862.00 Cr., marking a decrease of 21,440.00 Cr..
For Expenses, as of Dec 2024, the value is ₹18,266.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 39,696.00 Cr. (Sep 2024) to ₹18,266.00 Cr., marking a decrease of 21,430.00 Cr..
For Operating Profit, as of Dec 2024, the value is ₹596.00 Cr.. The value appears to be declining and may need further review. It has decreased from 606.00 Cr. (Sep 2024) to ₹596.00 Cr., marking a decrease of 10.00 Cr..
For OPM %, as of Dec 2024, the value is 3.00%. The value appears strong and on an upward trend. It has increased from 2.00% (Sep 2024) to 3.00%, marking an increase of 1.00%.
For Other Income, as of Dec 2024, the value is ₹-3.00 Cr.. The value appears strong and on an upward trend. It has increased from -4.00 Cr. (Sep 2024) to ₹-3.00 Cr., marking an increase of ₹1.00 Cr..
For Interest, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹594.00 Cr.. The value appears to be declining and may need further review. It has decreased from 601.00 Cr. (Sep 2024) to ₹594.00 Cr., marking a decrease of 7.00 Cr..
For Tax %, as of Dec 2024, the value is 7.00%. The value appears to be improving (decreasing) as expected. It has decreased from 12.00% (Sep 2024) to 7.00%, marking a decrease of 5.00%.
For Net Profit, as of Dec 2024, the value is ₹551.00 Cr.. The value appears strong and on an upward trend. It has increased from 529.00 Cr. (Sep 2024) to ₹551.00 Cr., marking an increase of ₹22.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 5.50. The value appears strong and on an upward trend. It has increased from ₹5.28 (Sep 2024) to 5.50, marking an increase of ₹0.22.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 2:56 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	14,870	17,258	23,299	19,324	30,548	34,068	44,604	43,798	81,913	82,983	80,636	131,988	130,073
Expenses	14,443	16,747	22,505	18,404	29,479	32,736	43,130	42,447	81,040	82,254	80,514	131,742	129,065
Operating Profit	427	511	794	920	1,068	1,332	1,474	1,351	872	730	122	246	1,007
OPM %	3%	3%	3%	5%	4%	4%	3%	3%	1%	1%	0%	0%	1%
Other Income	292	344	183	129	139	156	266	529	867	1,032	1,862	1,917	1,636
Interest	4	5	4	5	5	6	8	0	0	0	10	9	0
Depreciation	25	35	34	37	48	59	92	89	99	75	68	76	0
Profit before tax	690	816	939	1,007	1,154	1,422	1,642	1,790	1,640	1,687	1,906	2,078	2,643
Tax %	9%	11%	13%	16%	17%	19%	19%	21%	11%	11%	10%	9%
Net Profit	630	728	815	844	955	1,150	1,327	1,422	1,456	1,506	1,721	1,894	2,411
EPS in Rs	6.30	7.28	8.15	8.44	9.55	11.50	13.27	14.22	14.56	15.05	17.19	18.91	24.07
Dividend Payout %	8%	14%	15%	14%	16%	17%	15%	0%	17%	13%	15%	14%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	15.56%	11.95%	3.56%	13.15%	20.42%	15.39%	7.16%	2.39%	3.43%	14.28%	10.05%
Change in YoY Net Profit Growth (%)	0.00%	-3.61%	-8.39%	9.59%	7.27%	-5.03%	-8.23%	-4.77%	1.04%	10.84%	-4.22%

SBI Life Insurance Company Ltd (SBILIFE) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	23%
5 Years:	24%
3 Years:	17%
TTM:	11%

Compounded Profit Growth
10 Years:	9%
5 Years:	6%
3 Years:	5%
TTM:	30%

Stock Price CAGR
10 Years:	%
5 Years:	13%
3 Years:	10%
1 Year:	-7%

Return on Equity
10 Years:	16%
5 Years:	14%
3 Years:	13%
Last Year:	12%

Last Updated: Unknown

Balance Sheet

Last Updated: October 25, 2024, 2:53 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	1,000	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	1,736	2,356	3,056	3,733	4,552	5,528	6,576	7,743	9,400	10,622	12,017	13,907	15,257
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	50,978	57,284	70,064	78,696	96,687	115,193	139,157	156,837	216,430	261,715	301,582	383,390	432,238
Total Liabilities	53,714	60,640	74,121	83,429	102,240	121,720	146,734	165,580	226,830	273,337	314,599	398,299	448,497
Fixed Assets	283	304	292	301	507	511	563	568	564	919	867	1,198	563
CWIP	3	4	7	146	31	70	32	13	1	3	1	6	0
Investments	50,047	56,275	69,385	77,843	95,830	114,436	139,325	158,813	218,756	264,437	303,988	384,943	435,926
Other Assets	3,382	4,058	4,437	5,139	5,871	6,703	6,814	6,186	7,509	7,978	9,743	12,152	12,009
Total Assets	53,714	60,640	74,121	83,429	102,240	121,720	146,734	165,580	226,830	273,337	314,599	398,299	448,497

Below is a detailed analysis of the balance sheet data for SBI Life Insurance Company Ltd (SBILIFE) based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹15,257.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹13,907.00 Cr. (Mar 2024) to ₹15,257.00 Cr., marking an increase of 1,350.00 Cr..
For Borrowings, as of Sep 2024, 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 Sep 2024, the value is ₹432,238.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹383,390.00 Cr. (Mar 2024) to ₹432,238.00 Cr., marking an increase of 48,848.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹448,497.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹398,299.00 Cr. (Mar 2024) to ₹448,497.00 Cr., marking an increase of 50,198.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹563.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹1,198.00 Cr. (Mar 2024) to ₹563.00 Cr., marking a decrease of 635.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹6.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 6.00 Cr..
For Investments, as of Sep 2024, the value is ₹435,926.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹384,943.00 Cr. (Mar 2024) to ₹435,926.00 Cr., marking an increase of 50,983.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹12,009.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹12,152.00 Cr. (Mar 2024) to ₹12,009.00 Cr., marking a decrease of 143.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹448,497.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹398,299.00 Cr. (Mar 2024) to ₹448,497.00 Cr., marking an increase of 50,198.00 Cr..

Notably, the Reserves (₹15,257.00 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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	1,130	166	2,711	5,778	8,525	10,395	13,473	19,299	23,878	21,852	28,656	29,122
Cash from Investing Activity +	-227	-708	-178	-7,204	-9,032	-8,910	-13,552	-16,986	-19,203	-21,611	-30,203	-31,221
Cash from Financing Activity +	-58	-58	-117	-144	-144	-221	-241	-198	3	-231	-415	-227
Net Cash Flow	845	-600	2,416	-1,570	-651	1,264	-321	2,114	4,677	10	-1,962	-2,327

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	427.00	511.00	794.00	920.00	1.00	1.00	1.00	1.00	872.00	730.00	122.00	246.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
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	-5	-2	0	-6	3	3	4	11	1	-3	1	4
ROCE %	28%	27%	25%	23%	23%	24%	22%	22%	17%	15%	15%	13%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	55.48%	55.48%	55.46%	55.45%	55.45%	55.45%	55.44%	55.43%	55.42%	55.41%	55.39%	55.38%
FIIs	24.15%	23.90%	24.33%	25.09%	25.14%	26.22%	26.17%	25.92%	25.16%	24.70%	25.18%	22.48%
DIIs	12.46%	12.29%	15.65%	14.93%	15.09%	14.15%	14.27%	14.63%	15.40%	15.88%	15.32%	17.91%
Public	7.91%	8.33%	4.56%	4.54%	4.34%	4.19%	4.11%	4.01%	4.01%	3.98%	4.10%	4.22%
No. of Shareholders	4,08,081	4,03,407	3,93,398	3,84,772	3,74,674	3,58,088	3,49,407	3,38,525	3,35,114	3,45,541	3,35,864	3,74,916

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	18.92	17.19	15.06	14.56	14.22
Diluted EPS (Rs.)	18.90	17.18	15.04	14.55	14.22
Cash EPS (Rs.)	19.67	17.87	15.06	14.56	14.23
Book Value[Excl.RevalReserv]/Share (Rs.)	148.87	130.06	116.18	131.26	87.43
Book Value[Incl.RevalReserv]/Share (Rs.)	148.87	130.06	116.18	131.26	87.43
Dividend / Share (Rs.)	2.70	2.50	2.00	2.50	0.00
Revenue From Operations / Share (Rs.)	1317.95	805.63	829.52	819.07	437.96
PBDIT / Share (Rs.)	23.54	21.31	25.89	17.77	22.31
PBIT / Share (Rs.)	22.77	20.63	25.89	17.77	22.31
PBT / Share (Rs.)	22.68	20.53	25.79	17.68	22.22
Net Profit / Share (Rs.)	18.91	17.19	15.05	14.56	14.22
PBDIT Margin (%)	1.78	2.64	3.12	2.16	5.09
PBIT Margin (%)	1.72	2.56	3.12	2.16	5.09
PBT Margin (%)	1.72	2.54	3.10	2.15	5.07
Net Profit Margin (%)	1.43	2.13	1.81	1.77	3.24
Return on Networth / Equity (%)	12.70	13.21	12.95	11.09	16.26
Return on Capital Employeed (%)	0.58	0.66	0.96	0.79	1.37
Return On Assets (%)	0.47	0.54	0.55	0.64	0.85
Asset Turnover Ratio (%)	0.37	0.27	0.33	0.41	0.28
Current Ratio (X)	2.13	1.85	1.48	1.69	1.93
Quick Ratio (X)	2.13	1.85	1.48	1.69	1.93
Dividend Payout Ratio (NP) (%)	14.27	14.54	13.28	17.17	0.00
Dividend Payout Ratio (CP) (%)	13.72	13.99	13.28	17.17	0.00
Earning Retention Ratio (%)	85.73	85.46	86.72	82.83	0.00
Cash Earning Retention Ratio (%)	86.28	86.01	86.72	82.83	0.00
Interest Coverage Ratio (X)	258.09	211.52	258.66	213.63	262.94
Interest Coverage Ratio (Post Tax) (X)	229.60	186.42	166.49	191.47	219.51
Enterprise Value (Cr.)	145268.63	105898.47	108857.30	85345.72	62673.46
EV / Net Operating Revenue (X)	1.10	1.31	1.31	1.04	1.43
EV / EBITDA (X)	61.63	49.65	42.02	48.02	28.09
MarketCap / Net Operating Revenue (X)	1.14	1.36	1.35	1.08	1.46
Retention Ratios (%)	85.72	85.45	86.71	82.82	0.00
Price / BV (X)	10.06	8.46	9.64	6.71	7.33
Price / Net Operating Revenue (X)	1.14	1.36	1.35	1.08	1.46
EarningsYield	0.01	0.01	0.01	0.01	0.02

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 18.92. This value is within the healthy range. It has increased from 17.19 (Mar 23) to 18.92, marking an increase of 1.73.
For Diluted EPS (Rs.), as of Mar 24, the value is 18.90. This value is within the healthy range. It has increased from 17.18 (Mar 23) to 18.90, marking an increase of 1.72.
For Cash EPS (Rs.), as of Mar 24, the value is 19.67. This value is within the healthy range. It has increased from 17.87 (Mar 23) to 19.67, marking an increase of 1.80.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 148.87. It has increased from 130.06 (Mar 23) to 148.87, marking an increase of 18.81.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 148.87. It has increased from 130.06 (Mar 23) to 148.87, marking an increase of 18.81.
For Dividend / Share (Rs.), as of Mar 24, the value is 2.70. This value is within the healthy range. It has increased from 2.50 (Mar 23) to 2.70, marking an increase of 0.20.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 1,317.95. It has increased from 805.63 (Mar 23) to 1,317.95, marking an increase of 512.32.
For PBDIT / Share (Rs.), as of Mar 24, the value is 23.54. This value is within the healthy range. It has increased from 21.31 (Mar 23) to 23.54, marking an increase of 2.23.
For PBIT / Share (Rs.), as of Mar 24, the value is 22.77. This value is within the healthy range. It has increased from 20.63 (Mar 23) to 22.77, marking an increase of 2.14.
For PBT / Share (Rs.), as of Mar 24, the value is 22.68. This value is within the healthy range. It has increased from 20.53 (Mar 23) to 22.68, marking an increase of 2.15.
For Net Profit / Share (Rs.), as of Mar 24, the value is 18.91. This value is within the healthy range. It has increased from 17.19 (Mar 23) to 18.91, marking an increase of 1.72.
For PBDIT Margin (%), as of Mar 24, the value is 1.78. This value is below the healthy minimum of 10. It has decreased from 2.64 (Mar 23) to 1.78, marking a decrease of 0.86.
For PBIT Margin (%), as of Mar 24, the value is 1.72. This value is below the healthy minimum of 10. It has decreased from 2.56 (Mar 23) to 1.72, marking a decrease of 0.84.
For PBT Margin (%), as of Mar 24, the value is 1.72. This value is below the healthy minimum of 10. It has decreased from 2.54 (Mar 23) to 1.72, marking a decrease of 0.82.
For Net Profit Margin (%), as of Mar 24, the value is 1.43. This value is below the healthy minimum of 5. It has decreased from 2.13 (Mar 23) to 1.43, marking a decrease of 0.70.
For Return on Networth / Equity (%), as of Mar 24, the value is 12.70. This value is below the healthy minimum of 15. It has decreased from 13.21 (Mar 23) to 12.70, marking a decrease of 0.51.
For Return on Capital Employeed (%), as of Mar 24, the value is 0.58. This value is below the healthy minimum of 10. It has decreased from 0.66 (Mar 23) to 0.58, marking a decrease of 0.08.
For Return On Assets (%), as of Mar 24, the value is 0.47. This value is below the healthy minimum of 5. It has decreased from 0.54 (Mar 23) to 0.47, marking a decrease of 0.07.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.37. It has increased from 0.27 (Mar 23) to 0.37, marking an increase of 0.10.
For Current Ratio (X), as of Mar 24, the value is 2.13. This value is within the healthy range. It has increased from 1.85 (Mar 23) to 2.13, marking an increase of 0.28.
For Quick Ratio (X), as of Mar 24, the value is 2.13. This value exceeds the healthy maximum of 2. It has increased from 1.85 (Mar 23) to 2.13, marking an increase of 0.28.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 14.27. This value is below the healthy minimum of 20. It has decreased from 14.54 (Mar 23) to 14.27, marking a decrease of 0.27.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 13.72. This value is below the healthy minimum of 20. It has decreased from 13.99 (Mar 23) to 13.72, marking a decrease of 0.27.
For Earning Retention Ratio (%), as of Mar 24, the value is 85.73. This value exceeds the healthy maximum of 70. It has increased from 85.46 (Mar 23) to 85.73, marking an increase of 0.27.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 86.28. This value exceeds the healthy maximum of 70. It has increased from 86.01 (Mar 23) to 86.28, marking an increase of 0.27.
For Interest Coverage Ratio (X), as of Mar 24, the value is 258.09. This value is within the healthy range. It has increased from 211.52 (Mar 23) to 258.09, marking an increase of 46.57.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 229.60. This value is within the healthy range. It has increased from 186.42 (Mar 23) to 229.60, marking an increase of 43.18.
For Enterprise Value (Cr.), as of Mar 24, the value is 145,268.63. It has increased from 105,898.47 (Mar 23) to 145,268.63, marking an increase of 39,370.16.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 1.10. This value is within the healthy range. It has decreased from 1.31 (Mar 23) to 1.10, marking a decrease of 0.21.
For EV / EBITDA (X), as of Mar 24, the value is 61.63. This value exceeds the healthy maximum of 15. It has increased from 49.65 (Mar 23) to 61.63, marking an increase of 11.98.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.14. This value is within the healthy range. It has decreased from 1.36 (Mar 23) to 1.14, marking a decrease of 0.22.
For Retention Ratios (%), as of Mar 24, the value is 85.72. This value exceeds the healthy maximum of 70. It has increased from 85.45 (Mar 23) to 85.72, marking an increase of 0.27.
For Price / BV (X), as of Mar 24, the value is 10.06. This value exceeds the healthy maximum of 3. It has increased from 8.46 (Mar 23) to 10.06, marking an increase of 1.60.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.14. This value is within the healthy range. It has decreased from 1.36 (Mar 23) to 1.14, marking a decrease of 0.22.
For EarningsYield, as of Mar 24, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of SBI Life Insurance Company Ltd (SBILIFE) as of March 12, 2025 is: ₹935.62

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, SBI Life Insurance Company Ltd (SBILIFE) is Overvalued by 33.64% compared to the current share price 1,410.00

Intrinsic Value of SBI Life Insurance Company Ltd (SBILIFE) as of March 12, 2025 is: 1,034.58

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, SBI Life Insurance Company Ltd (SBILIFE) is Overvalued by 26.63% compared to the current share price 1,410.00

Last 5 Year EPS CAGR: 10.58%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a high average ROCE of 21.17%, which is a positive sign. The stock has a low average Working Capital Days of 0.92, which is a positive sign. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign. The company has higher reserves (7,421.77 cr) compared to borrowings (0.00 cr), indicating strong financial stability. The company has shown consistent growth in sales (56.00 cr) and profit (189.00 cr) over the years.

Strength

Weakness

The stock has a high average ROCE of 21.17%, which is a positive sign.
The stock has a low average Working Capital Days of 0.92, which is a positive sign.
The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign.
The company has higher reserves (7,421.77 cr) compared to borrowings (0.00 cr), indicating strong financial stability.
The company has shown consistent growth in sales (56.00 cr) and profit (189.00 cr) over the years.

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):
1. Net Profit Margin: 1.43%
  - 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.
2. ROCE: 0.58% (Industry Average ROCE: 9.58%)
  - 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.
3. ROE%: 12.7% (Industry Average ROE: 10.17%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 229.6
  - 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.
5. Quick Ratio: 2.13
  - 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.
6. Stock P/E: 58.6 (Industry average Stock P/E: 90.35)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

SBI Life Insurance Company Ltd. is a Public Limited Listed company incorporated on 11/10/2000 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L99999MH2000PLC129113 and registration number is 129113. Currently Company is involved in the business activities of Life insurance. Company's Total Operating Revenue is Rs. 131987.78 Cr. and Equity Capital is Rs. 1001.47 Cr. for the Year ended 31/03/2024.

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. Dinesh Kumar Khara	Chairman
Mr. Amit Jhingran	Managing Director & CEO
Mr. Ashwini Kumar Tewari	Non Exe. & Nominee Director
Dr. Tejendra Mohan Bhasin	Independent Director
Mr. Shobinder Duggal	Independent Director
Ms. Usha Sangwan	Independent Director
Mr. Narayan K Seshadri	Independent Director

FAQ

What is the latest intrinsic value of SBI Life Insurance Company Ltd (SBILIFE)?

The latest intrinsic value of SBI Life Insurance Company Ltd (SBILIFE) as on 12 March 2025 is 935.62, which is 33.64% lower than the current market price of 1,410.00, indicating the stock is overvalued by 33.64%. The intrinsic value of SBI Life Insurance Company Ltd (SBILIFE) is calculated using PE ratio method. The stock has a market capitalization of ₹1,41,328 Cr. and recorded a high/low of ₹1,936/1,307 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹15,257 Cr and total liabilities of ₹448,497 Cr.

What is the Market Cap of SBI Life Insurance Company Ltd (SBILIFE)?

The Market Cap of SBI Life Insurance Company Ltd (SBILIFE) is 1,41,328 Cr..

What is the current Stock Price of SBI Life Insurance Company Ltd (SBILIFE) as on 12 March 2025?

The current stock price of SBI Life Insurance Company Ltd (SBILIFE) as on 12 March 2025 is ₹1,410.

What is the High / Low of SBI Life Insurance Company Ltd (SBILIFE) stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of SBI Life Insurance Company Ltd (SBILIFE) stocks is ₹1,936/1,307.

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 58.6.

What is the Book Value of SBI Life Insurance Company Ltd (SBILIFE)?

The Book Value of SBI Life Insurance Company Ltd (SBILIFE) is 166.

What is the Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE)?

The Dividend Yield of SBI Life Insurance Company Ltd (SBILIFE) is 0.19 %.

What is the ROCE of SBI Life Insurance Company Ltd (SBILIFE)?

The ROCE of SBI Life Insurance Company Ltd (SBILIFE) is 13.2 %.

What is the ROE of SBI Life Insurance Company Ltd (SBILIFE)?

The ROE of SBI Life Insurance Company Ltd (SBILIFE) is 12.0 %.

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.