SBI Life Insurance Company Ltd.

•

sbilife.co.inBSE: 540719NSE: SBILIFE

Market Cap₹ 1,70,068 Cr.

Current Price

High / Low₹ 2,132 / 1,671

Stock P/E65.4

Book Value₹ 201

Price to Book9.35

Dividend Yield0.16 %

ROCE14.1 %

ROE13.8 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has a consistent dividend-paying track record

CONS

Company is loss-making at the operating / net level
Operating margins have contracted to -9.6% from 4.5%
Effective tax rate is unusually low at 6.3% - earnings may be flattered
Expensive relative to growth - PEG of 5.1
Company's return on assets is weak at 0.5%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesInsuranceInsurance

Part ofNIFTY 50 NIFTYLARGEMIDCAP250 NIFTY100 LOWVOL30 NIFTY100 EQL WGT NIFTY FIN SERVICE

S.No.	Name
1.	LICI	403.70	8.50	510680.31	2.48	135866.90	23.98	1276231.60	6.69	37.75	-76.97
2.	SBILIFE	1695.00	65.39	170067.75	0.16	7249.30	21.97	200782.10	16.88	14.15	-127.01
3.	HDFCLIFE	530.00	58.30	115147.22	0.40	611.19	11.46	16727.63	15.05	10.01	-98.79
4.	ICICIGI	1459.00	30.02	72892.05	0.93	4031.70	439.66	59500.40	1058.48	23.62	-10.35
5.	ICICIPRULI	471.25	40.60	68388.76	0.35	623.91	61.94	19180.08	17.17	11.82	79.46
6.	GICRE	349.55	6.91	61325.05	3.79	1743.67	-31.10	11097.77	-1.56	22.43	-10.45
7.	STARHEALTH	562.20	39.20	33092.42	0.00	549.73	109.40	4917.20	24.86	9.70	2.89
8.	NIACL	198.15	42.45	32655.12	0.76	-2391.50	-695.39	97472.80	934.31	5.44	-24.14
9.	GODIGIT	255.85	48.07	23669.82	0.00	86.39	-37.55	2006.96	7.61	13.56	-15.23
10.	NIVABUPA	79.97	41.09	14791.61	0.00	137.80	250.70	2273.72	86.37	3.75	-0.22
11.	CANHLIFE	151.95	109.92	14435.25	0.26	281.40	1101.54	20475.20	1138.35	8.35	-112.52

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,31,045	2,00,497	2,23,165	2,51,165	1,51,055	2,02,661	2,48,275	2,38,607	1,71,785	2,48,483	3,02,453	2,76,838	2,00,782
	2,74,714	2,83,921	3,86,808	3,70,434	3,40,600	3,96,962	1,82,657	2,35,201	3,83,326	2,25,998	4,55,174	51,167	4,55,793
Operating Profit	-1,43,669	-83,424	-1,63,644	-1,19,269	-1,89,545	-1,94,301	65,619	3,406	-2,11,541	22,485	-1,52,720	2,25,671	-2,55,011
OPM %	-109.63%	-41.61%	-73.33%	-47.49%	-125.48%	-95.87%	26.43%	1.43%	-123.14%	9.05%	-50.49%	81.52%	-127.01%
	1,47,995	87,665	1,67,343	1,27,780	1,95,515	2,00,315	-59,683	5,600	2,18,103	-17,168	1,59,140	-2,17,001	2,62,942
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	4,326	4,241	3,700	8,511	5,970	6,014	5,935	9,006	6,562	5,318	6,419	8,670	7,931
Tax %	11.93%	10.35%	13.03%	4.74%	12.98%	11.97%	7.20%	9.67%	9.42%	6.99%	10.16%	7.19%	8.60%
Net Profit	3,810	3,802	3,218	8,108	5,195	5,294	5,508	8,135	5,944	4,946	5,767	8,046	7,249
	3.81	3.80	3.21	8.10	5.19	5.29	5.50	8.12	5.93	4.93	5.75	8.02	7.23

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	0	0	0	10,28,556
	0	0	0	0	0	0	0	0	0	0	11,88,132
Operating Profit	0	0	0	0	0	0	0	0	0	0	-1,59,576
OPM %	—	—	—	—	—	—	—	—	—	—	-15.51%
	8	11	14	7	6	5	1	-12	-5	0	1,87,914
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	975	1,184	1,373	1,414	1,542	1,561	1,758	1,942	2,495	2,537	28,338
Tax %	2.04%	2.88%	3.36%	-0.61%	5.61%	3.51%	2.15%	2.49%	3.26%	2.64%	8.22%
Net Profit	955	1,150	1,327	1,422	1,456	1,506	1,721	1,894	2,413	2,470	26,009
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	18.91	24.08	24.63	—
Dividend Payout %	15.71%	17.39%	15.07%	0.00%	17.17%	13.29%	14.54%	14.28%	11.21%	10.96%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: 11%
5 Years:: 11%
3 Years:: 13%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 8%
3 Years:: 8%
1 Year:: -7%

RETURN ON EQUITY

10 Years:: 16%
5 Years:: 14%
3 Years:: 14%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	1,000	1,000	1,000	1,000	1,000	1,000	1,001	1,001	1,002	1,003
	4,465	5,374	6,460	7,884	9,092	10,417	11,922	13,588	15,786	18,077
	93,760	1,11,781	1,35,538	1,53,674	2,12,500	2,56,790	2,96,664	3,78,194	4,34,135	4,72,973
Total Liabilities	99,225	1,18,156	1,42,998	1,62,558	2,22,592	2,68,207	3,09,587	3,92,783	4,50,923	4,92,053
	507	511	563	568	564	524	520	551	580	647
Capital Work in Progress	31	70	32	13	1	3	1	6	10	41
Cash & Bank	2,430	2,645	2,421	1,423	2,711	3,204	4,165	4,746	1,847	3,208
	96,257	1,14,930	1,39,982	1,60,553	2,19,316	2,64,476	3,04,900	3,87,480	4,48,486	4,88,158
Total Assets	99,225	1,18,156	1,42,998	1,62,558	2,22,592	2,68,207	3,09,587	3,92,783	4,50,923	4,92,053

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	9,450	11,384	14,871	20,891	25,556	23,836	30,846	29,122	25,547	34,523
Cash from Investing	-9,031	-8,910	-13,553	-16,987	-19,203	-21,611	-30,203	-31,221	-21,789	-35,318
Cash from Financing	-144	-221	-241	-198	3	-231	-415	-227	-215	-179
	-651	1,264	-321	2,113	4,678	10	-1,962	-2,327	3,543	-974

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	55.41	55.39	55.38	55.38	55.37	55.36	55.34	55.33	55.32
	24.70	25.18	22.48	21.88	22.34	21.84	21.88	21.51	20.95
	15.88	15.32	17.91	18.67	18.24	18.70	18.72	19.13	19.67
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	3.99	4.10	4.22	4.06	4.05	4.10	4.05	4.03	4.06

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-09

General Updates

2026-09-09 - SBI Life Insurance Company Limited has informed the Exchange about appointment of Joint Statutory Auditors for the Financial Year 2026-27

2026-09-08

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - SBI Life Insurance Company Limited has informed the Exchange about Schedule of meet

2026-08-26

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - SBI Life Insurance Company Limited has informed the Exchange about Schedule of meet

2026-08-23

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-23 - SBI Life Insurance Company Limited has informed the Exchange about Schedule of meet

2026-08-19

Change in Director(s)

2026-08-19 - SBI Life Insurance Company Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-08-18

ESOP/ESOS/ESPS

2026-08-18 - SBI Life Insurance Company Limited has informed the Exchange regarding of Allotment 88522 equity shares pursuant to ESOP through Circular resolution of the Board Stakeholders' Relationship and Sustainability Committee passed on August 18, 2026.

2026-08-14

Shareholders meeting

2026-08-14 - SBI Life Insurance Company Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 14, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-14

Shareholders meeting

2026-08-14 - SBI Life Insurance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 14, 2026

2026-08-08

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-08 - SBI Life Insurance Company Limited has informed the Exchange about Schedule of meet

News

Recent coverage and analyst commentary for SBILIFE

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SBI Life Insurance Company Ltd.

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Free 5nance Account

Name

LICI

403.70

8.50

510680.31

2.48

135866.90

23.98

1276231.60

6.69

37.75

-76.97

SBILIFE

1695.00

65.39

170067.75

0.16

7249.30

21.97

200782.10

16.88

14.15

-127.01

HDFCLIFE

530.00

58.30

115147.22

0.40

611.19

11.46

16727.63

15.05

10.01

-98.79

ICICIGI

1459.00

30.02

72892.05

0.93

4031.70

439.66

59500.40

1058.48

23.62

-10.35

ICICIPRULI

471.25

40.60

68388.76

0.35

623.91

61.94

19180.08

17.17

11.82

79.46

GICRE

349.55

6.91

61325.05

3.79

1743.67

-31.10

11097.77

-1.56

22.43

-10.45

STARHEALTH

562.20

39.20

33092.42

0.00

549.73

109.40

4917.20

24.86

9.70

2.89

NIACL

198.15

42.45

32655.12

0.76

-2391.50

-695.39

97472.80

934.31

5.44

-24.14

GODIGIT

255.85

48.07

23669.82

0.00

86.39

-37.55

2006.96

7.61

13.56

-15.23

NIVABUPA

79.97

41.09

14791.61

0.00

137.80

250.70

2273.72

86.37

3.75

-0.22

CANHLIFE

151.95

109.92

14435.25

0.26

281.40

1101.54

20475.20

1138.35

8.35

-112.52

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

1,31,045

2,00,497

2,23,165

2,51,165

1,51,055

2,02,661

2,48,275

2,38,607

1,71,785

2,48,483

3,02,453

2,76,838

2,00,782

2,74,714

2,83,921

3,86,808

3,70,434

3,40,600

3,96,962

1,82,657

2,35,201

3,83,326

2,25,998

4,55,174

51,167

4,55,793

Operating Profit

-1,43,669

-83,424

-1,63,644

-1,19,269

-1,89,545

-1,94,301

65,619

3,406

-2,11,541

22,485

-1,52,720

2,25,671

-2,55,011

OPM %

-109.63%

-41.61%

-73.33%

-47.49%

-125.48%

-95.87%

26.43%

1.43%

-123.14%

9.05%

-50.49%

81.52%

-127.01%

1,47,995

87,665

1,67,343

1,27,780

1,95,515

2,00,315

-59,683

5,600

2,18,103

-17,168

1,59,140

-2,17,001

2,62,942

Interest

Depreciation

Profit before Tax

4,326

4,241

3,700

8,511

5,970

6,014

5,935

9,006

6,562

5,318

6,419

8,670

7,931

Tax %

11.93%

10.35%

13.03%

4.74%

12.98%

11.97%

7.20%

9.67%

9.42%

6.99%

10.16%

7.19%

8.60%

Net Profit

3,810

3,802

3,218

8,108

5,195

5,294

5,508

8,135

5,944

4,946

5,767

8,046

7,249

3.81

3.80

3.21

8.10

5.19

5.29

5.50

8.12

5.93

4.93

5.75

8.02

7.23

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

10,28,556

11,88,132

Operating Profit

-1,59,576

OPM %

—

-15.51%

-12

-5

1,87,914

Interest

Depreciation

Profit before Tax

975

1,184

1,373

1,414

1,542

1,561

1,758

1,942

2,495

2,537

28,338

Tax %

2.04%

2.88%

3.36%

-0.61%

5.61%

3.51%

2.15%

2.49%

3.26%

2.64%

8.22%

Net Profit

955

1,150

1,327

1,422

1,456

1,506

1,721

1,894

2,413

2,470

26,009

EPS

0.00

18.91

24.08

24.63

—

Dividend Payout %

15.71%

17.39%

15.07%

0.00%

17.17%

13.29%

14.54%

14.28%

11.21%

10.96%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

1,000

1,001

1,002

1,003

4,465

5,374

6,460

7,884

9,092

10,417

11,922

13,588

15,786

18,077

93,760

1,11,781

1,35,538

1,53,674

2,12,500

2,56,790

2,96,664

3,78,194

4,34,135

4,72,973

Total Liabilities

99,225

1,18,156

1,42,998

1,62,558

2,22,592

2,68,207

3,09,587

3,92,783

4,50,923

4,92,053

507

511

563

568

564

524

520

551

580

647

Capital Work in Progress

Cash & Bank

2,430

2,645

2,421

1,423

2,711

3,204

4,165

4,746

1,847

3,208

96,257

1,14,930

1,39,982

1,60,553

2,19,316

2,64,476

3,04,900

3,87,480

4,48,486

4,88,158

Total Assets

99,225

1,18,156

1,42,998

1,62,558

2,22,592

2,68,207

3,09,587

3,92,783

4,50,923

4,92,053

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

9,450

11,384

14,871

20,891

25,556

23,836

30,846

29,122

25,547

34,523

Cash from Investing

-9,031

-8,910

-13,553

-16,987

-19,203

-21,611

-30,203

-31,221

-21,789

-35,318

Cash from Financing

-144

-221

-241

-198

-231

-415

-227

-215

-179

-651

1,264

-321

2,113

4,678

-1,962

-2,327

3,543

-974

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

55.41

55.39

55.38

55.37

55.36

55.34

55.33

55.32

24.70

25.18

22.48

21.88

22.34

21.84

21.88

21.51

20.95

15.88

15.32

17.91

18.67

18.24

18.70

18.72

19.13

19.67

Government

0.00

3.99

4.10

4.22

4.06

4.05

4.10

4.05

4.03

4.06

SBI Life Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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SBI Life Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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