SBI Life Insurance Company Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| LICI | 407.30 | 8.58 | 515234.31 | 2.46 | 135866.90 | 23.98 | 1276231.60 | 6.69 | 37.75 | -76.97 |
| SBILIFE | 1685.00 | 65.00 | 169064.40 | 0.16 | 7249.30 | 21.97 | 200782.10 | 16.88 | 14.15 | -127.01 |
| HDFCLIFE | 514.35 | 56.58 | 111747.11 | 0.41 | 611.19 | 11.46 | 16727.63 | 15.05 | 10.01 | -98.79 |
| ICICIGI | 1487.00 | 30.60 | 74290.94 | 0.91 | 4031.70 | 439.66 | 59500.40 | 1058.48 | 23.62 | -10.35 |
| ICICIPRULI | 460.00 | 39.63 | 66756.14 | 0.36 | 623.91 | 61.94 | 19180.08 | 17.17 | 11.82 | 79.46 |
| GICRE | 350.05 | 6.92 | 61412.77 | 3.79 | 1743.67 | -31.10 | 11097.77 | -1.56 | 22.43 | -10.45 |
| NIACL | 205.75 | 44.08 | 33907.60 | 0.73 | -2391.50 | -695.39 | 97472.80 | 934.31 | 5.44 | -24.14 |
| STARHEALTH | 571.40 | 39.84 | 33633.95 | 0.00 | 549.73 | 109.40 | 4917.20 | 24.86 | 9.70 | 2.89 |
| GODIGIT | 253.50 | 47.63 | 23452.42 | 0.00 | 86.39 | -37.55 | 2006.96 | 7.61 | 13.56 | -15.23 |
| NIVABUPA | 79.57 | 40.88 | 14717.62 | 0.00 | 137.80 | 250.70 | 2273.72 | 86.37 | 3.75 | -0.22 |
| CANHLIFE | 149.55 | 108.18 | 14207.25 | 0.27 | 281.40 | 1101.54 | 20475.20 | 1138.35 | 8.35 | -112.52 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - SBI Life Insurance Company Limited has informed the Exchange about Schedule of meet
2026-08-26 - SBI Life Insurance Company Limited has informed the Exchange about Schedule of meet
2026-08-23 - SBI Life Insurance Company Limited has informed the Exchange about Schedule of meet
2026-08-19 - SBI Life Insurance Company Limited has informed the Exchange regarding Change in Director(s) of the company.
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 - 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 - SBI Life Insurance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 14, 2026
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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