SBI Life Insurance Company Limited
₹1,655.95-₹4.05 (-0.2%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹2,08,984 Cr
- P/E
- 85.2x
- EV / EBITDA
- 95.9x
- Revenue
- ₹1,16,888 Cr
- Net margin
- 1.4%
- ROCE
- 0.6%
Price chart
Technical chartScreen technicals →-15.9% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -2.1%
- 3M
- -11.8%
- 6M
- -9.0%
- 1Y
- -15.9%
- 5Y
- +40.1%
52-week range
Day change -₹4.05 (-0.2%) from ₹1,660 to ₹1,656 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in SBILIFE, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 24.7%
Concerns1
- Valuation elevated — PE of 85.2x is 86% above peer average of 45.9x
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 100 Cr shares
- ISIN
- INE123W01016
- BSE code
- 540719
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹2,08,984 Cr
- P/E
- 85.2x
- P/B
- 11.4x
- EV / EBITDA
- 95.9x
- EV / Sales
- 1.6x
- P/S
- 1.6x
- Earnings yield
- 1.2%
- 52-week high
- ₹2,109.40
- 52-week low
- ₹1,634.65
Profitability
- Operating margin
- 1.6%
- Net margin
- 1.4%
- EBITDA margin
- 1.6%
- ROE
- 14.2%
- ROCE
- 0.6%
- ROA
- 0.5%
- Dividend payout
- 14.0%
- Tax rate
- 9.0%
- Other income, % of PBT
- 2.4%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,16,888 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -11.4%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 24.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,154 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 9.1%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 27.4%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 5.9%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹29,122 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 1.6%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹3,543 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 26.6%
Solvency and efficiency
- Current ratio
- 1.04
- Debt / Assets
- 0.00
- Financial leverage
- 26.72
- CFO / Net profit
- 15.38
- Cash / Market cap
- 5.8%
- Cash per share
- ₹120.84
- Asset turnover
- 0.33
- Fixed asset turnover
- 239.54
- Capital intensity
- 0.00
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹2 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹1.1 L Cr |
| Sales | Operating profit | ₹2,776 Cr |
| Operating profit | Depreciation | ₹84 Cr |
| Operating profit | Profit before tax | ₹2,692 Cr |
| Profit before tax | Tax and other | ₹280 Cr |
| Profit before tax | Net profit | ₹2,413 Cr |
Revenue and net profit
Revenue fell 11.4% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹81,913 Cr | ₹1,456 Cr |
| FY2022 | ₹82,983 Cr | ₹1,506 Cr |
| FY2023 | ₹80,636 Cr | ₹1,721 Cr |
| FY2024 | ₹1.3 L Cr | ₹1,894 Cr |
| FY2025 | ₹1.2 L Cr | ₹2,413 Cr |
Cash flows
FY2025: ₹25,547 Cr from operations, ₹3,758 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹23,878 Cr | ₹4,675 Cr |
| FY2022 | ₹21,852 Cr | ₹241 Cr |
| FY2023 | ₹28,656 Cr | -₹1,547 Cr |
| FY2024 | ₹29,122 Cr | -₹2,099 Cr |
| FY2025 | ₹25,547 Cr | ₹3,758 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹1.2 L Cr-11.4%1Y
- Net profit
- ₹2,413 Cr+27.4%1Y
- Cash from operations
- ₹25,547 Cr
- Free cash flow
- ₹3,758 Cr
- Revenue CAGR, 5Y
- 24.7%
- EBITDA CAGR, 5Y
- 2.8%
- Net profit CAGR, 5Y
- 5.9%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹1.2 L Cr | ₹2,776 Cr | — | ₹2,413 Cr | ₹25,547 Cr | ₹3,758 Cr | 14.2% | -11.4% | +27.4% |
Monthly returns
Month-by-month returns of SBILIFE across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹4.6 L Cr |
| Equity capital | ₹1,002 Cr |
| Reserves | ₹15,983 Cr |
| Borrowings | ₹0 Cr |
| Other liabilities | ₹4.4 L Cr |
| Assets | ₹4.6 L Cr |
| Fixed assets | ₹580 Cr |
| Capital work in progress | ₹10 Cr |
| Investments | ₹4.5 L Cr |
| Other assets | ₹9,038 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
SBILIFE trades at 85.2x earnings against a peer median of 26.9x (a 217% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| SBI Life Insurance Company LimitedSBILIFEthis companyP/E ↑ premium | ₹2.1 L Cr | 85.2x | 11.4x | 14.2% | 95.9x |
| Shriram Finance LimitedSHRIRAMFIN | ₹1.8 L Cr | 20.5x | 3.0x | 17.3% | — |
| Jio Financial Services LimitedJIOFIN | ₹1.8 L Cr | 258.0x | 6.2x | 2.2% | 330.6x |
| HDFC LIFE INSURANCE COMPANY LIMITEDHDFCLIFE | ₹1.6 L Cr | 85.7x | 9.5x | 11.2% | 153.1x |
| Indian Railway Finance CorporationIRFC | ₹1.6 L Cr | 23.2x | 2.8x | 12.3% | 17.9x |
| MUTHOOT FINANCE LIMITEDMUTHOOTFIN | ₹1.6 L Cr | 21.7x | 5.0x | 18.3% | — |
| Bank Of BarodaBANKBARODA | ₹1.6 L Cr | 8.1x | 1.1x | 14.3% | — |
| Tata Capital LimitedTATACAP | ₹1.5 L Cr | 58.3x | — | 9.2% | — |
| Cholamandalam Investment and Finance Company LtdCHOLAFIN | ₹1.4 L Cr | 30.9x | 5.5x | 18.0% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
SBILIFE since 1 January, against earlier years.
Historical volatility
SBILIFE's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 1.0% |
| FY2022 | 1.0% |
| FY2023 | 2.0% |
| FY2024 | 2.0% |
| FY2025 | 2.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹1.2 L Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹1.1 L Cr |
| Operating profitOperating Profit | ₹2,776 Cr |
| Other income and charges | |
| Profit before tax | ₹2,693 Cr |
| Tax | |
| Net profitNet Profit | ₹2,413 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹4.6 L Cr |
| Equity capitalEquity Capital | ₹1,002 Cr |
| Reserves | ₹15,983 Cr |
| Borrowings | ₹0 Cr |
| Other liabilitiesOther Liabilities | ₹4.4 L Cr |
| AssetsTotal Assets | ₹4.6 L Cr |
| Fixed assetsFixed Assets | ₹580 Cr |
| Capital work in progressCWIP | ₹10 Cr |
| Investments | ₹4.5 L Cr |
| Other assetsOther Assets | ₹9,038 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹25,547 Cr |
| Investing cash flowCash from Investing Activity | -₹21,789 Cr |
| Financing cash flowCash from Financing Activity | -₹215 Cr |
| Change in cashNet Cash Flow | ₹3,543 Cr |
Learn while you research
Academy chapters picked for SBI Life Insurance Company Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 85.2, learn when high multiples are justified.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read