SBI Life Insurance

Market Cap (₹ Cr.)

₹1,52,588

52 Week High

1,936.00

Book Value

₹

52 Week Low

1,307.70

PE Ratio

69.96

PB Ratio

9.38

PE for Sector

30.39

PB for Sector

4.09

ROE

12.70 %

ROCE

0.50 %

Dividend Yield

0.18 %

EPS

₹20.29

Industry

Insurance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

62.23 %

Net Income Growth

10.07 %

Cash Flow Change

1.63 %

ROE

-3.89 %

ROCE

-12.97 %

EBITDA Margin (Avg.)

-32.82 %

Financial Results

Quarterly Financials	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	5,906	7,852	6,062	10,867	6,499	7,850	9,707	10,169	6,993	9,761	12,285	15,740	9,816	12,890	15,955	5,666	16,275	18,652	26,728	21,126	16,022	25,646	20,682	21,666	4,817	27,729	26,830	23,018	27,904	28,816	39,051	37,895	34,657	40,298
Expenses	5,592	7,592	5,843	10,505	6,055	7,580	9,439	9,727	6,475	9,466	11,969	15,229	9,261	12,712	15,486	5,078	15,648	18,437	26,432	20,624	15,752	25,364	20,272	20,941	4,516	27,292	26,483	22,197	27,471	28,392	38,681	37,043	34,060	39,696
EBITDA	313	260	220	361	444	269	268	442	518	295	317	511	556	178	469	587	627	215	296	502	270	283	410	725	301	437	346	822	433	424	370	851	597	601
Operating Profit %	35 %	-54 %	-11 %	-43 %	-61 %	-41 %	-39 %	-5 %	-36 %	-24 %	-31 %	-34 %	-39 %	-26 %	-32 %	57 %	-106 %	-43 %	-92 %	-33 %	-90 %	-73 %	-12 %	-20 %	59 %	-66 %	-38 %	-12 %	-110 %	-42 %	-73 %	-47 %	-125 %	-96 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	313	260	220	361	444	269	268	442	518	295	317	511	556	178	469	587	627	215	296	502	270	283	410	725	301	437	346	822	433	424	370	851	597	601
Tax	98	47	29	25	130	44	37	60	164	45	53	54	184	48	79	57	236	-85	63	-30	46	36	46	53	38	60	42	45	52	44	48	40	77	72
Net Profit	215	213	190	336	313	225	230	381	354	251	264	458	372	130	390	531	391	300	233	532	223	247	364	672	263	377	304	777	381	380	322	811	520	529
EPS in ₹	2.15	2.13	1.90	3.36	3.13	2.25	2.30	3.81	3.54	2.51	2.64	4.58	3.72	1.30	3.90	5.31	3.91	3.00	2.33	5.32	2.23	2.47	3.64	6.72	2.63	3.77	3.04	7.76	3.81	3.80	3.21	8.10	5.19	5.29

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	72,211	80,725	99,225	1,18,156	1,42,998	1,62,558	2,22,592	2,68,207	3,09,587	3,92,783
Fixed Assets	265	301	507	511	563	568	894	919	867	1,198
Current Assets	4,436	5,016	5,693	6,532	6,641	5,821	7,151	7,616	9,354	11,763
Capital Work in Progress	7	146	31	70	32	13	1	3	1	6
Investments	69,385	77,843	95,830	1,14,436	1,39,325	1,58,813	2,18,756	2,64,832	3,04,334	3,85,590
Other Assets	2,554	2,435	2,856	3,139	3,078	3,164	2,941	2,453	4,385	5,989
Total Liabilities	68,171	75,992	93,673	1,11,628	1,35,422	1,53,815	2,12,192	2,56,585	2,96,570	3,77,874
Current Liabilities	1,883	2,705	3,014	3,565	3,736	3,022	4,238	5,130	5,013	5,516
Non Current Liabilities	68,171	75,992	93,673	1,11,628	1,35,421	1,53,815	2,12,192	2,56,585	2,96,569	3,77,874
Total Equity	4,039	4,733	5,552	6,528	7,576	8,743	10,400	11,622	13,018	14,909
Reserve & Surplus	3,039	3,733	4,552	5,528	6,576	7,743	9,400	10,622	12,017	13,907
Share Capital	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,001	1,001

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	2,416	-1,570	-651	1,264	-321	2,114	4,677	10	-1,962	-2,327
Investing Activities	-178	-7,204	-9,032	-8,910	-13,552	-16,986	-19,203	-21,611	-30,203	-31,221
Operating Activities	2,711	5,778	8,525	10,395	13,473	19,299	23,878	21,852	28,656	29,122
Financing Activities	-117	-144	-144	-221	-241	-198	3	-231	-415	-227

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Promoter	55.70 %	55.70 %	55.69 %	55.69 %	55.48 %	55.48 %	55.46 %	55.45 %	55.45 %	55.45 %	55.44 %	55.43 %	55.42 %	55.41 %	55.39 %
FIIs	30.51 %	27.24 %	24.48 %	24.47 %	24.15 %	23.90 %	24.33 %	25.09 %	25.13 %	26.22 %	26.18 %	25.92 %	25.16 %	24.71 %	25.19 %
DIIs	6.95 %	9.64 %	12.05 %	12.01 %	12.46 %	12.29 %	15.65 %	14.94 %	15.08 %	14.15 %	14.28 %	14.63 %	15.41 %	15.89 %	15.32 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	6.85 %	7.43 %	7.77 %	7.84 %	7.91 %	8.33 %	4.56 %	4.51 %	4.33 %	4.18 %	4.10 %	4.02 %	4.01 %	3.99 %	4.10 %

Show % Change

Dividend History

No dividends have been distributed by the company in the past 10 years

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
LIC of India	890.10	5,67,257.44	13.66	8,64,897.68	8.57	40,916	-3.86	36.54
SBI Life Insurance	1,493.45	1,52,588.02	69.96	1,33,665.06	62.23	1,894	39.25	27.81
HDFC Life Insurance	672.95	1,46,448.19	86.45	1,02,006.61	42.38	1,574	15.07	36.75
ICICI Prudential Life Insurance	685.35	98,987.17	113.06	91,712.46	78.53	851	2.92	32.54
ICICI Lombard General Insurance	1,834.25	91,038.23	40.91	20,602.12	9.18	1,919	20.21	29.19
GIC of India	359.40	65,175.96	8.96	46,556.85	-2.50	6,508	9.87	50.17
Go Digit General Insurance	318.75	29,104.87	101.61	8,615.38	46.38	182	223.11	36.75
The New India Assurance Company	170.16	28,996.56	21.30	43,690.98	6.38	1,091	151.68	29.35
Star Health Insurance	459.10	27,148.56	31.50	14,026.48	15.90	845	-11.18	24.92
Niva Bupa Health Insurance Company	73.00	13,510.86	164.33	4,336.27	34.36	82	-	-