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 StockRule-based from financial data. Not advice.
Historically, Jul has averaged the highest return (+8.6%); Feb the lowest (-2.6%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -1.8%Neutral MonthJan 2026: -1.80% | +1.9%Neutral MonthFeb 2026: +1.91% | -12.7%Negative MonthMar 2026: -12.71% | +2.4%Positive MonthApr 2026: +2.37% | +0.7%Neutral MonthMay 2026: +0.66% | -3.5%Negative MonthJun 2026: -3.49% | +6.9%*Positive MonthJul 2026: +6.87% | β | β | β | β | β |
| 2025 | +6.7%Positive MonthJan 2025: +6.75% | -3.6%Negative MonthFeb 2025: -3.59% | +8.2%Positive MonthMar 2025: +8.18% | +13.8%Positive MonthApr 2025: +13.80% | +2.9%Positive MonthMay 2025: +2.90% | +1.4%Neutral MonthJun 2025: +1.39% | +0.1%Neutral MonthJul 2025: +0.07% | -1.9%Neutral MonthAug 2025: -1.90% | -0.7%Neutral MonthSep 2025: -0.75% | +9.1%Positive MonthOct 2025: +9.15% | +0.7%Neutral MonthNov 2025: +0.69% | +3.4%Positive MonthDec 2025: +3.38% |
| 2024 | -2.2%Negative MonthJan 2024: -2.18% | +11.0%Positive MonthFeb 2024: +10.99% | -3.7%Negative MonthMar 2024: -3.67% | -4.1%Negative MonthApr 2024: -4.11% | -3.5%Negative MonthMay 2024: -3.50% | +7.6%Positive MonthJun 2024: +7.58% | +17.6%Positive MonthJul 2024: +17.60% | +5.5%Positive MonthAug 2024: +5.51% | -0.4%Neutral MonthSep 2024: -0.37% | -12.0%Negative MonthOct 2024: -11.95% | -11.5%Negative MonthNov 2024: -11.50% | -3.2%Negative MonthDec 2024: -3.19% |
| 2023 | -0.9%Neutral MonthJan 2023: -0.95% | -8.2%Negative MonthFeb 2023: -8.18% | -1.8%Neutral MonthMar 2023: -1.83% | +3.5%Positive MonthApr 2023: +3.54% | +8.5%Positive MonthMay 2023: +8.46% | +5.8%Positive MonthJun 2023: +5.83% | -2.0%Neutral MonthJul 2023: -1.96% | +1.0%Neutral MonthAug 2023: +0.98% | +1.0%Neutral MonthSep 2023: +0.99% | +4.8%Positive MonthOct 2023: +4.79% | +4.8%Positive MonthNov 2023: +4.82% | -0.2%Neutral MonthDec 2023: -0.22% |
| 2022 | +3.1%Positive MonthJan 2022: +3.11% | -14.0%Negative MonthFeb 2022: -13.95% | +5.5%Positive MonthMar 2022: +5.55% | -1.1%Neutral MonthApr 2022: -1.10% | +6.0%Positive MonthMay 2022: +5.95% | -7.7%Negative MonthJun 2022: -7.75% | +19.6%Positive MonthJul 2022: +19.62% | +2.6%Positive MonthAug 2022: +2.64% | -6.0%Negative MonthSep 2022: -5.95% | +1.2%Neutral MonthOct 2022: +1.24% | +1.4%Neutral MonthNov 2022: +1.41% | -4.1%Negative MonthDec 2022: -4.07% |
| 2021 | β | β | β | β | β | +3.1%Positive MonthJun 2021: +3.09% | +9.1%Positive MonthJul 2021: +9.14% | +8.4%Positive MonthAug 2021: +8.37% | +1.9%Neutral MonthSep 2021: +1.93% | -5.7%Negative MonthOct 2021: -5.68% | +1.3%Neutral MonthNov 2021: +1.33% | +3.0%Positive MonthDec 2021: +3.05% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 6 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
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 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Net Sales | 17,258 | 23,299 | 19,324 | 30,548 | 34,068 | 44,604 | 43,798 | 81,913 | 82,983 | 80,636 | 131,988 | 116,888 | 104,045 |
| Total Expenses | 16,747 | 22,505 | 18,404 | 29,479 | 32,736 | 43,130 | 42,447 | 81,040 | 82,254 | 78,713 | 129,884 | 114,112 | 102,718 |
| EBIT / Operating Profit | 511 | 794 | 920 | 1,068 | 1,332 | 1,474 | 1,351 | 872 | 730 | 1,923 | 2,104 | 2,776 | 1,327 |
| OPM % | 3% | 3% | 5% | 4% | 4% | 3% | 3% | 1% | 1% | 2% | 2% | 2% | 1% |
| Other Income | 344 | 183 | 129 | 139 | 156 | 266 | 529 | 867 | 1,032 | 51 | 50 | 0 | 1,356 |
| Finance Costs | 5 | 4 | 5 | 5 | 6 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation & Amortisation | 35 | 34 | 37 | 48 | 59 | 92 | 89 | 99 | 75 | 68 | 76 | 84 | 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 | 2,682 |
| Tax % | 11% | 13% | 16% | 17% | 19% | 19% | 21% | 11% | 11% | 10% | 9% | 10% | - |
| Net Profit / PAT | 728 | 815 | 844 | 955 | 1,150 | 1,327 | 1,422 | 1,456 | 1,506 | 1,721 | 1,894 | 2,413 | 2,453 |
| EPS (βΉ) | 7.28 | 8.15 | 8.44 | 9.55 | 11.50 | 13.27 | 14.22 | 14.56 | 15.05 | 17.19 | 18.91 | 24.08 | 24.48 |
| Dividend Payout % | 14% | 15% | 14% | 16% | 17% | 15% | 0% | 17% | 13% | 15% | 14% | 11% | - |
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% |
