SBI Life Insurance Company Limited
SBI Life Insurance Company Limited operates as a private life insurance company in India. The company's life insurance business comprises individual and group life insurance products, including participating, non-participating, pension, group gratuity, group leave encashment, group superannuation, group immediate annuity, unit-linked and variable insurance products, health, and micro insurance. It also provides accident and disability benefit, level term, and critical illness insurance products. In addition, the company offers online savings, protection, retirement, and child life insurance plans, as well as wealth creation with insurance products; and corporate solutions, group loan protection, and group micro insurance plans. It offers its products through a multi-channel distribution network comprising individual agents, brokers, corporate agents, bancassurance partners, and certified insurance facilitators, as well as through various partner branches. The company was incorporated in 2000 and is based in Mumbai, India. SBI Life Insurance Company Limited is a subsidiary of State Bank of India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 24.7%
Concerns1
- Valuation elevated β PE of 85.2x is 86% above Financial Services median of 45.9x
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ1.17 L Cr | β | βΉ2.41 K Cr | β | β | 14.2% | -11.4% | 27.4% |
| Mar 2024 | βΉ1.32 L Cr | β | βΉ1.89 K Cr | β | β | 12.7% | 63.7% | 10.1% |
| Mar 2023 | βΉ80.64 K Cr | β | βΉ1.72 K Cr | β | β | 13.2% | -2.8% | 14.3% |
| Mar 2022 | βΉ82.98 K Cr | β | βΉ1.51 K Cr | β | β | 13.0% | 1.3% | 3.4% |
| Mar 2021 | βΉ81.91 K Cr | β | βΉ1.46 K Cr | β | β | 14.0% | 87.0% | 2.4% |
| Mar 2020 | βΉ43.80 K Cr | β | βΉ1.42 K Cr | β | β | 16.3% | -1.8% | 7.2% |
| Mar 2019 | βΉ44.60 K Cr | β | βΉ1.33 K Cr | β | β | 17.5% | 30.9% | 15.4% |
| Mar 2018 | βΉ34.07 K Cr | β | βΉ1.15 K Cr | β | β | 17.6% | 11.5% | 20.4% |
| Mar 2017 | βΉ30.55 K Cr | β | βΉ955.00 Cr | β | β | 17.2% | 58.1% | 13.2% |
| Mar 2016 | βΉ19.32 K Cr | β | βΉ844.00 Cr | β | β | 17.8% | -17.1% | 3.6% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 104,045 |
| Total Expenses | 102,718 |
| EBIT / Operating Profit | 1,327 |
| OPM % | 1% |
| Other Income | 1,356 |
| Finance Costs | 0 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 2,682 |
| Tax % | - |
| Net Profit / PAT | 2,453 |
| EPS (βΉ) | 24.48 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| SBI Life Insurance Company Limitedthis co. | βΉ2.09 L Cr | βΉ1.17 L Cr | 85.20 | 11.44 | 95.90 | -11.4% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |