Sbilife
Current Price
₹ 1,790
Live Data
About Company
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]
Financial Ratios
Key fundamental data analysis
Market Cap
₹ 1,79,555 Cr.
Current Price
₹ 1,790
High / Low
₹ 2,133 / 1,431
Stock P/E
72.4
Book Value
₹ 190
Dividend Yield
0.15 %
ROCE
16.9 %
ROE
15.1 %
Face Value
₹ 10.0
Analysis
Pros
- Company is almost debt free.
- Company is expected to give good quarter
Cons
- Stock is trading at 9.44 times its book value
- Tax rate seems low
- Earnings include an other income of Rs.1,385 Cr.
Quarterly Results
| Metrics | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 26817 | 21296 | 27895 | 28805 | 39033 | 36255 | 34654 | 40302 | 18862 | 23071 | 38996 | 23115 | 46133 |
| Expenses | 26483 | 22197 | 27471 | 28392 | 38681 | 37043 | 34060 | 39696 | 18266 | 23520 | 38333 | 22600 | 45517 |
| Operating Profit | 333 | -901 | 424 | 413 | 352 | -788 | 594 | 606 | 596 | -449 | 664 | 516 | 615 |
| OPM % | 1 | -4 | 2 | 1 | 1 | -2 | 2 | 2 | 3 | -2 | 2 | 2 | 1 |
| Other Income | 13 | 1723 | 9 | 12 | 18 | 1639 | 3 | -4 | -3 | 1350 | -8 | 16 | 27 |
| 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 | 346 | 822 | 433 | 424 | 370 | 851 | 597 | 601 | 594 | 901 | 656 | 532 | 642 |
| Tax % | 12 | 5 | 12 | 10 | 13 | 5 | 13 | 12 | 7 | 10 | 9 | 7 | 10 |
| Net Profit | 304 | 777 | 381 | 380 | 322 | 811 | 520 | 529 | 551 | 814 | 594 | 495 | 577 |
| EPS in Rs | 3.04 | 7.76 | 3.81 | 3.8 | 3.21 | 8.1 | 5.19 | 5.28 | 5.5 | 8.12 | 5.93 | 4.93 | 5.75 |
Profit & Loss
| Metrics | 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 | 17258 | 23299 | 19324 | 30548 | 34068 | 44604 | 43798 | 81913 | 82983 | 80636 | 131988 | 116888 | 131315 |
| Expenses | 16747 | 22505 | 18404 | 29479 | 32736 | 43130 | 42447 | 81040 | 82254 | 78713 | 129884 | 114112 | 129970 |
| Operating Profit | 511 | 794 | 920 | 1068 | 1332 | 1474 | 1351 | 872 | 730 | 1923 | 2104 | 2776 | 1346 |
| OPM % | 3 | 3 | 5 | 4 | 4 | 3 | 3 | 1 | 1 | 2 | 2 | 2 | 1 |
| Other Income | 344 | 183 | 129 | 139 | 156 | 266 | 529 | 867 | 1032 | 51 | 50 | 0 | 1385 |
| 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 | 1007 | 1154 | 1422 | 1642 | 1790 | 1640 | 1687 | 1906 | 2078 | 2693 | 2731 |
| Tax % | 11 | 13 | 16 | 17 | 19 | 19 | 21 | 11 | 11 | 10 | 9 | 10 | - |
| Net Profit | 728 | 815 | 844 | 955 | 1150 | 1327 | 1422 | 1456 | 1506 | 1721 | 1894 | 2413 | 2479 |
| EPS in Rs | 7.28 | 8.15 | 8.44 | 9.55 | 11.5 | 13.27 | 14.22 | 14.56 | 15.05 | 17.19 | 18.91 | 24.08 | 24.73 |
| Dividend Payout % | 14 | 15 | 14 | 16 | 17 | 15 | 0 | 17 | 13 | 15 | 14 | 11 | - |