SBI Life Insurance Company Ltd

SBI Life is one of the leading private life insurance companies, offering a comprehensive range of savings and protection products through a strong distribution network.

Pros:
Company is virtually debt free.
Company is expected to give good quarter
Cons:
Stock is trading at 11.47 times its book value
Promoter's stake has decreased

Peer Comparison Sector: Insurance // Industry: Finance & Investments

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Quarterly Results Figures in Rs. Crores

Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
5,942 10,784 6,476 7,833 9,688 10,071 6,974 9,741 12,269 15,620 9,804 12,878
5,843 10,535 6,176 7,617 9,468 9,780 6,631 9,505 12,014 15,258 9,439 12,771
Operating Profit 99 249 300 216 220 292 343 237 255 362 365 107
OPM % 2% 2% 5% 3% 2% 3% 5% 2% 2% 2% 4% 1%
Other Income 120 83 22 17 21 98 20 20 16 120 13 12
Interest 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
Profit before tax 220 332 322 233 240 389 363 256 271 482 378 119
Tax % 13% -1% 3% 3% 4% 2% 2% 2% 3% 5% 2% -9%
Net Profit 190 336 313 225 230 381 354 251 264 458 372 130
EPS in Rs 2.30 3.81 3.54 2.51 2.64 4.58 3.72 1.30
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
14,870 17,258 23,299 19,324 30,548 34,068 44,604 50,570
14,443 16,747 22,505 18,404 29,479 32,736 43,039 49,481
Operating Profit 427 511 794 920 1,068 1,332 1,565 1,089
OPM % 3% 3% 3% 5% 4% 4% 4% 2%
Other Income 292 344 183 129 139 156 176 161
Interest 4 5 4 5 5 6 8 0
Depreciation 25 35 34 37 48 59 92 0
Profit before tax 690 816 939 1,007 1,154 1,422 1,642 1,250
Tax % 9% 11% 13% 16% 17% 19% 19%
Net Profit 630 728 815 844 955 1,150 1,327 1,224
EPS in Rs 11.50 13.27 12.24
Dividend Payout % 8% 14% 15% 14% 16% 17% 15%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:%
5 Years:20.91%
3 Years:32.16%
TTM:38.65%
Compounded Profit Growth
10 Years:%
5 Years:12.76%
3 Years:16.27%
TTM:0.61%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:64.13%
Return on Equity
10 Years:%
5 Years:19.33%
3 Years:18.82%
Last Year:18.81%

Balance Sheet Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Sep 2019
1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Reserves 1,736 2,356 3,056 3,733 4,552 5,528 6,576 7,071
Borrowings 0 0 0 0 0 0 0 0
50,978 57,284 70,064 78,696 96,687 115,193 139,157 151,716
Total Liabilities 53,714 60,640 74,121 83,429 102,240 121,720 146,734 159,787
283 304 292 301 507 511 563 599
CWIP 3 4 7 146 31 70 32 0
Investments 23,499 27,677 34,575 41,821 95,830 114,436 139,325 76,099
29,929 32,655 39,247 41,161 5,871 6,703 6,814 83,089
Total Assets 53,714 60,640 74,121 83,429 102,240 121,720 146,734 159,787

Cash Flows Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
1,130 166 2,711 5,778 8,525 10,395 13,473
-227 -708 -178 -7,204 -9,032 -8,910 -13,552
-58 -58 -117 -144 -144 -221 -241
Net Cash Flow 845 -600 2,416 -1,570 -651 1,264 -321

Ratios Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROCE % 27% 25% 23% 23% 24% 23%
Debtor Days 0 0 0 0 0 0 0
Inventory Turnover