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Financial Services | Large Cap
Health Score : 7.63SBI Life Insurance Company Ltd presents a strong and stable financial picture, characterized by an exceptional foundation of solvency. The company operates without any financial debt, making it highly resilient to financial shocks. It consistently grows its earnings and overall value for shareholders, supported by a healthy expansion of its asset base. Profitability is a key strength, showing an efficient use of capital to generate returns. The company also maintains a very safe dividend policy, with earnings easily covering the payouts. On the other hand, its cash on hand for immediate needs is low, which is typical for the insurance industry as funds are primarily held in long-term investments. A point of attention is the inconsistent growth in operating profits, which indicates some volatility in its core business performance. Overall, the company's outlook is positive, built on a secure financial base and strong growth trends, though it faces fluctuations in its operational earnings.
Health Score : 7.63SBI Life Insurance Company Ltd presents a strong and stable financial picture, characterized by an exceptional foundation of solvency. The company operates without any financial debt, making it highly resilient to financial shocks. It consistently grows its earnings and overall value for shareholders, supported by a healthy expansion of its asset base. Profitability is a key strength, showing an efficient use of capital to generate returns. The company also maintains a very safe dividend policy, with earnings easily covering the payouts. On the other hand, its cash on hand for immediate needs is low, which is typical for the insurance industry as funds are primarily held in long-term investments. A point of attention is the inconsistent growth in operating profits, which indicates some volatility in its core business performance. Overall, the company's outlook is positive, built on a secure financial base and strong growth trends, though it faces fluctuations in its operational earnings.
Overall Valuation Score
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P/E RATIO (TTM)
71.28
Industry Median
34.86
Large Cap Median
61.70
P/E RATIO
71.25
P/B RATIO
9.24
Industry Median
5.77
Large Cap Median
6.64
P/S RATIO
1.56
Industry Median
1.18
Large Cap Median
1.19
Others
PEG RATIO
6.36
EV/EBITDA RATIO
63.88
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1755 as on Aug 25, 2026.
Growth Score : 8.80The company exhibits a strong but uneven growth profile. It has demonstrated an excellent ability to grow its revenues, bottom-line net income, and earnings per share, which is highly positive for shareholder value. The asset base is also expanding at a healthy rate. However, this strong overall growth is contrasted by a significant weakness in the growth of its operating profit, which has been volatile and negative on a weighted basis. This suggests that while the company is getting bigger, the profitability of its core operations has been inconsistent.
Revenue Growth RateExcellentOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 1.31 | -2.83 | 63.68 | -11.44 | -3.91 |
| Operating Profit Growth Rate | -16.28 | 163.42 | 9.41 | 31.94 | -73.02 |
| Earnings Per Share (EPS) Growth | 3.37 | 14.22 | 10.01 | 27.34 | 2.28 |
| Asset Growth Rate | 20.5 | 15.1 | 26.6 | 14.77 | 9.4 |
| Net Income Growth Rate | 3.43 | 14.28 | 10.05 | 27.4 | 2.36 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | SBILIFE | 7.63 | 71.25 | Highly Overvalued | 749.00 | 14.20 | 2470.00 |
| 2 | HDFCLIFE | 7.63 | 61.70 | Overvalued | 1133.00 | 1.57 | 1912.00 |
| 3 | ICICIPRULI | 6.42 | 45.99 | Neutral | 181.00 | 10.21 | 1608.00 |
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Overall Score
Strong Bearish
Bearish
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Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Concall Report⬤28th Apr 26
Q4 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤22nd Apr 26
Audited Financial Results for Quarter & Year Ended March 31, 2026
BULLISH SENTIMENT
Concall Report⬤3rd Feb 26
Q3 FY26 Earnings Conference Call
BULLISH SENTIMENT
Concall Report⬤24th Oct 25
Q2 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
SBI Life Insurance Company Ltd is a leading private life insurer in India, a joint venture between State Bank of India and BNP Paribas Cardif. It offers a diverse portfolio of individual and group insurance products, including protection, savings, retirement, and health solutions, catering to a wide customer base across various income segments.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. SBI Life Insurance Company Ltd's P/E ratio (TTM) is 71.28, compared to the industry median of 34.86 and large cap median of 61.70.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. SBI Life Insurance Company Ltd's P/B ratio is 9.24, compared to the industry median of 5.77 and large cap median of 6.64.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. SBI Life Insurance Company Ltd's P/S ratio is 1.56, compared to the industry median of 1.18 and large cap median of 1.19.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. SBI Life Insurance Company Ltd's PEG ratio is 6.36.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. SBI Life Insurance Company Ltd's EV/EBITDA ratio is 63.88.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. SBI Life Insurance Company Ltd's ROE is 12.94%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. SBI Life Insurance Company Ltd's ROA is 0.15%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. SBI Life Insurance Company Ltd's ROCE is 15%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. SBI Life Insurance Company Ltd's operating margin is 0.67%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. SBI Life Insurance Company Ltd's net margin is 2.20%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. SBI Life Insurance Company Ltd's current ratio is 0.03.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. SBI Life Insurance Company Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. SBI Life Insurance Company Ltd's interest coverage ratio is N/A.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. SBI Life Insurance Company Ltd's DPS is ₹2.71.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. SBI Life Insurance Company Ltd's EPS is 2.28.
(Source line: "Ratios as of 25 Aug 2026, based on last traded price of ₹1755. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2001
Headquarters: Mumbai, Maharashtra
Core Offerings: Protection plans, Savings plans, Retirement plans, Health plans, Group insurance solutions
Stock Listing: NSE (SBILIFE), BSE (540719)
Promoter: State Bank of India
SBI Life was incorporated in 2001 as a joint venture between State Bank of India (74%) and BNP Paribas Cardif (26%), and commenced operations in the same year. It rapidly expanded its presence leveraging SBI's extensive network. In 2017, the company successfully completed its Initial Public Offering (IPO) and listed its shares on the NSE and BSE, becoming a publicly traded entity. It has since grown to be one of the largest and most profitable private life insurers in India.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Individual Non-Participating Savings | ~63% of Individual APE | Operating Profit |
| Individual Protection | ~27% of Individual APE | Operating Profit |
| Individual Participating Savings & Annuity | ~10% of Individual APE | Operating Profit |
| Group Business | Significant portion of overall premium | Operating Profit |
Individual Non-Participating Savings: Offers guaranteed returns, wealth creation, and retirement planning solutions through non-participating insurance products, providing stability and capital appreciation.
Individual Protection: Provides comprehensive term insurance plans, critical illness covers, and health riders to safeguard individuals and families against unforeseen events and financial contingencies.
Individual Participating Savings & Annuity: Includes traditional participating plans that share profits with policyholders through bonuses and annuity products designed for regular income generation post-retirement.
Group Business: Caters to corporate clients and affinity groups, offering customized employee benefits, credit life, and other group insurance solutions to fulfill diverse organizational needs.
Mr. Mahesh Kumar Sharma (MD & CEO): Appointed MD & CEO in March 2024, bringing over three decades of extensive experience from State Bank of India in various leadership capacities. Mr. Dinesh Kumar Khara (Chairman - Non-Executive): Chairman of State Bank of India, the promoter.
No major subsidiaries reported.
2017: Initial Public Offering (IPO) which led to the listing of the company's shares on Indian stock exchanges. No major recent bonus/rights issues or M&A on record beyond regular dividend declarations.
The SBI Life Insurance Company Ltd share price today is ₹1755 on NSE (SBILIFE), as of 26 Aug 2026.
As of 25 Aug 2026, SBI Life Insurance Company Ltd share price is ₹1755, with previous close ₹1755. Today's range is ₹1755 to ₹1755. The 52-week range is ₹1755 to ₹1755.
As of today, SBI Life Insurance Company Ltd's market cap is ₹1,75,500 crore (Large Cap).
SBI Life Insurance Company Ltd's current P/E ratio is 71.28, compared to the BANKING AND FINANCE sector average of 28.50.
SBI Life Insurance Company Ltd's current P/B ratio is 9.24.
SBI Life Insurance Company Ltd's current dividend yield is 0.15%. Last dividend of ₹2.70 per share was declared on June 21, 2024.
SBI Life Insurance Company Ltd's EPS (TTM) is ₹2.28.
SBI Life Insurance Company Ltd is a leading private life insurer in India, a joint venture between State Bank of India and BNP Paribas Cardif. It offers a diverse portfolio of individual and group insurance products, including protection, savings, retirement, and health solutions, catering to a wide customer base across various income segments.
SBI Life Insurance Company Ltd is promoted by State Bank of India, holding 55.33% as of 25 Aug 2026.
SBI Life Insurance Company Ltd is listed on NSE (SBILIFE) and BSE (540719). Its next quarterly results are expected on Q1 FY25 (July/August 2024).
Interest Rate Exposure