SBI Life Insurance Company Ltd

SBI Life Insuran Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

SBI Life Insurance Company Ltd

₹ 1,765 -0.06%
02 May - close price
sbilife.co.in BSE: 540719 NSE: SBILIFE
About

SBI Life Insurance Company Ltd is engaged in the business of life insurance and annuity. It was started as a Joint-venture between State Bank of India and BNP Paribas Cardif S.A.[1]

Key Points

Product Portfolio
The company offers a range of life insurance products, including 23 individual and 8 group plans across protection, pension, savings, and health solutions. Its portfolio includes participating, non-participating, pension, gratuity, leave encashment, superannuation, annuity, unit-linked, variable, health, and micro-insurance products. [1] [2]

Website BSE NSE
  • Market Cap ₹ 1,76,847 Cr.
  • Current Price ₹ 1,765
  • High / Low ₹ 1,936 / 1,307
  • Stock P/E 73.3
  • Book Value ₹ 169
  • Dividend Yield 0.15 %
  • ROCE 16.9 %
  • ROE 15.1 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.

Cons

  • Stock is trading at 10.4 times its book value
  • Tax rate seems low
  • Company has a low return on equity of 13.5% over last 3 years.
  • Earnings include an other income of Rs.1,346 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Insurance Industry: Finance & Investments

Part of Nifty 50 BSE 500 BSE 100 BSE 200 BSE Dollex 200

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
20,671 4,806 27,717 26,817 21,296 27,895 28,805 39,033 36,255 34,654 40,302 18,862 23,071
20,941 4,516 27,292 26,483 22,197 27,471 28,392 38,681 37,043 34,060 39,696 18,266 23,520
Operating Profit -270 290 426 333 -901 424 413 352 -788 594 606 596 -449
OPM % -1% 6% 2% 1% -4% 2% 1% 1% -2% 2% 2% 3% -2%
995 11 11 13 1,723 9 12 18 1,639 3 -4 -3 1,350
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 725 301 437 346 822 433 424 370 851 597 601 594 901
Tax % 7% 13% 14% 12% 5% 12% 10% 13% 5% 13% 12% 7% 10%
672 263 377 304 777 381 380 322 811 520 529 551 814
EPS in Rs 6.72 2.63 3.76 3.04 7.76 3.81 3.80 3.21 8.10 5.19 5.28 5.50 8.12
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
17,258 23,299 19,324 30,548 34,068 44,604 43,798 81,913 82,983 80,636 131,988 116,888
16,747 22,505 18,404 29,479 32,736 43,130 42,447 81,040 82,254 80,514 131,742 115,542
Operating Profit 511 794 920 1,068 1,332 1,474 1,351 872 730 122 246 1,346
OPM % 3% 3% 5% 4% 4% 3% 3% 1% 1% 0% 0% 1%
344 183 129 139 156 266 529 867 1,032 1,862 1,917 1,346
Interest 5 4 5 5 6 8 0 0 0 10 9 0
Depreciation 35 34 37 48 59 92 89 99 75 68 76 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
Tax % 11% 13% 16% 17% 19% 19% 21% 11% 11% 10% 9% 10%
728 815 844 955 1,150 1,327 1,422 1,456 1,506 1,721 1,894 2,413
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
Dividend Payout % 14% 15% 14% 16% 17% 15% 0% 17% 13% 15% 14% 11%
Compounded Sales Growth
10 Years: 18%
5 Years: 22%
3 Years: 12%
TTM: -11%
Compounded Profit Growth
10 Years: 11%
5 Years: 11%
3 Years: 17%
TTM: 45%
Stock Price CAGR
10 Years: %
5 Years: 21%
3 Years: 18%
1 Year: 22%
Return on Equity
10 Years: 15%
5 Years: 14%
3 Years: 14%
Last Year: 15%

Balance Sheet

Figures in Rs. Crores

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
0 0 0 0 0 0 0 0 0 0 0 0
57,284 70,064 78,696 96,687 115,193 139,157 156,837 216,430 261,715 301,582 383,390 440,110
Total Liabilities 60,640 74,121 83,429 102,240 121,720 146,734 165,580 226,830 273,337 314,599 398,299 457,095
304 292 301 507 511 563 568 564 919 867 1,198 590
CWIP 4 7 146 31 70 32 13 1 3 1 6 0
Investments 56,275 69,385 77,843 95,830 114,436 139,325 158,813 218,756 264,437 303,988 384,943 447,467
4,058 4,437 5,139 5,871 6,703 6,814 6,186 7,509 7,978 9,743 12,152 9,038
Total Assets 60,640 74,121 83,429 102,240 121,720 146,734 165,580 226,830 273,337 314,599 398,299 457,095

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
166 2,711 5,778 8,525 10,395 13,473 19,299 23,878 21,852 28,656 29,122 25,547
-708 -178 -7,204 -9,032 -8,910 -13,552 -16,986 -19,203 -21,611 -30,203 -31,221 -21,789
-58 -117 -144 -144 -221 -241 -198 3 -231 -415 -227 -215
Net Cash Flow -600 2,416 -1,570 -651 1,264 -321 2,114 4,677 10 -1,962 -2,327 3,543

Ratios

Figures in Rs. Crores

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% 13% 17%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
55.48% 55.46% 55.45% 55.45% 55.45% 55.44% 55.43% 55.42% 55.41% 55.39% 55.38% 55.38%
23.90% 24.33% 25.09% 25.14% 26.22% 26.17% 25.92% 25.16% 24.70% 25.18% 22.48% 21.88%
12.29% 15.65% 14.93% 15.09% 14.15% 14.27% 14.63% 15.40% 15.88% 15.32% 17.91% 18.67%
8.33% 4.56% 4.54% 4.34% 4.19% 4.11% 4.01% 4.01% 3.98% 4.10% 4.22% 4.06%
No. of Shareholders 4,03,4073,93,3983,84,7723,74,6743,58,0883,49,4073,38,5253,35,1143,45,5413,35,8643,74,9163,63,505

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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