SBI Life Insurance Company Ltd is engaged in the business of life insurance and annuity. It was started as a Joint-venture between State Bank of India and BNP Paribas Cardif S.A.[1]
Product PortfolioThe company offers a range of life insurance products, including 25 individual and 8 group plans across protection, pension, savings, and health solutions. Its portfolio includes participating, non-participating, pension, gratuity, leave encashment, superannuation, annuity, unit-linked, variable, health, and micro-insurance products.[1][2]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Life Insurance | 850.05 | 10.52 | 537656.43 | 1.41 | 10095.92 | 30.66 | 241524.29 | 4.50 | 53.13 | 913081.59 | 5.85 | 51102.85 | 10098.48 | 3.79 | 0.87 | 0.00 |
| 2. | SBI Life Insuran | 2095.80 | 85.67 | 210173.08 | 0.13 | 494.59 | -6.58 | 23115.32 | -42.64 | 16.88 | 104044.75 | 1.28 | 2453.29 | 494.59 | 11.48 | 0.56 | 0.00 |
| 3. | HDFC Life Insur. | 777.85 | 88.61 | 167770.26 | 0.27 | 448.29 | 3.01 | 20650.68 | -27.53 | 6.58 | 91604.78 | 1.72 | 1893.31 | 448.29 | 9.88 | 0.51 | 0.14 |
| 4. | ICICI Pru Life | 688.45 | 76.26 | 99669.82 | 0.12 | 295.83 | 17.87 | 11935.93 | -52.56 | 11.94 | 57561.03 | 1.48 | 1307.01 | 295.83 | 7.83 | 0.39 | 0.20 |
| 5. | Max Financial | 1731.30 | 365.86 | 59749.72 | 0.00 | 5.87 | -96.33 | 9791.59 | -26.77 | 8.13 | 43911.67 | 0.57 | 163.31 | 4.15 | 11.27 | 0.23 | 0.34 |
| 6. | Canara HSBC | 148.99 | 117.28 | 14154.05 | 0.00 | 40.81 | 10.69 | 2347.94 | -29.35 | 8.73 | 10709.57 | 1.22 | 116.75 | 40.81 | – | 0.29 | 0.00 |
| – | Median: 6 Co. | 813.95 | 87.14 | 133720.04 | 0.12 | 372.06 | 6.85 | 16293.31 | -28.44 | 10.34 | 74582.9 | 1.38 | 1600.16 | 372.06 | 9.88 | 0.45 | 0.07 |
Standalone figures in ₹ crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 26,817 | 39,033 | 18,862 | 27,895 | 34,654 | 38,996 | 21,296 | 36,255 | 23,071 | 27,717 | 28,805 | 40,302 | 23,115 |
Expenses | 26,483 | 38,681 | 18,266 | 27,471 | 34,060 | 38,333 | 22,197 | 37,043 | 23,520 | 27,292 | 28,392 | 39,696 | 22,600 |
Operating Profit | 333 | 352 | 596 | 424 | 594 | 664 | -901 | -788 | -449 | 426 | 413 | 606 | 516 |
Other Income | 13 | 18 | -3 | 9 | 3 | -8 | 1,723 | 1,639 | 1,350 | 11 | 12 | -4 | 16 |
Profit before tax | 346 | 370 | 594 | 433 | 597 | 656 | 822 | 851 | 901 | 437 | 424 | 601 | 532 |
Tax % | 12% | 13% | 7% | 12% | 13% | 9% | 5% | 5% | 10% | 14% | 10% | 12% | 7% |
Net Profit | 304 | 322 | 551 | 381 | 520 | 594 | 777 | 811 | 814 | 377 | 380 | 529 | 495 |
EPS in Rs | 3.04 | 3.21 | 5.50 | 3.81 | 5.19 | 5.93 | 7.76 | 8.10 | 8.12 | 3.76 | 3.80 | 5.28 | 4.93 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 17,258 | 23,299 | 19,324 | 30,548 | 34,068 | 44,604 | 43,798 | 81,913 | 82,983 | 80,636 | 131,988 | 116,888 | 104,045 |
Expenses | 16,747 | 22,505 | 18,404 | 29,479 | 32,736 | 43,130 | 42,447 | 81,040 | 82,254 | 78,713 | 129,884 | 114,112 | 102,718 |
Operating Profit | 511 | 794 | 920 | 1,068 | 1,332 | 1,474 | 1,351 | 872 | 730 | 1,923 | 2,104 | 2,776 | 1,327 |
Other Income | 344 | 183 | 129 | 139 | 156 | 266 | 529 | 867 | 1,032 | 51 | 50 | 0 | 1,356 |
Interest | 5 | 4 | 5 | 5 | 6 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Depreciation | 35 | 34 | 37 | 48 | 59 | 92 | 89 | 99 | 75 | 68 | 76 | 84 | 0 |
Profit before tax | 816 | 939 | 1,007 | 1,154 | 1,422 | 1,642 | 1,790 | 1,640 | 1,687 | 1,906 | 2,078 | 2,693 | 2,682 |
Net Profit | 728 | 815 | 844 | 955 | 1,150 | 1,327 | 1,422 | 1,456 | 1,506 | 1,721 | 1,894 | 2,413 | 2,453 |
EPS in Rs | 7.28 | 8.15 | 8.44 | 9.55 | 11.50 | 13.27 | 14.22 | 14.56 | 15.05 | 17.19 | 18.91 | 24.08 | 24.48 |
Dividend Payout % | 14% | 15% | 14% | 16% | 17% | 15% | 0% | 17% | 13% | 15% | 14% | 11% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,001 | 1,001 | 1,002 | 1,003 |
Reserves | 2,356 | 3,056 | 3,733 | 4,552 | 5,528 | 6,576 | 7,743 | 9,400 | 10,622 | 12,017 | 13,907 | 15,983 | 17,294 |
Borrowings | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
Other Liabilities | 57,284 | 70,064 | 78,696 | 96,687 | 115,193 | 139,157 | 156,837 | 216,430 | 261,715 | 301,582 | 383,369 | 440,110 | 471,645 |
Total Liabilities | 60,640 | 74,121 | 83,429 | 102,240 | 121,720 | 146,734 | 165,580 | 226,830 | 273,337 | 314,599 | 398,277 | 457,095 | 489,941 |
Fixed Assets | 304 | 292 | 301 | 507 | 511 | 563 | 568 | 564 | 919 | 520 | 551 | 580 | 632 |
Gross Block | 304.47 | 291.62 | 301.02 | 806.95 | 861.84 | 1,002.89 | 1,094.26 | 1,179.43 | 1,588.39 | 1,236.71 | 1,264.60 | 1,347.32 | – |
Accumulated Depreciation | 0.00 | 0.00 | 0.00 | 299.53 | 350.66 | 439.52 | 526.27 | 615.49 | 669.31 | 716.27 | 713.38 | 767.00 | – |
CWIP | 4 | 7 | 146 | 31 | 70 | 32 | 13 | 1 | 3 | 1 | 6 | 10 | -0 |
Investments | 56,275 | 69,385 | 77,843 | 95,830 | 114,436 | 139,325 | 158,813 | 218,756 | 264,437 | 304,334 | 385,590 | 447,467 | 480,726 |
Other Assets | 4,058 | 4,437 | 5,139 | 5,871 | 6,703 | 6,814 | 6,186 | 7,509 | 7,978 | 9,743 | 12,130 | 9,038 | 8,583 |
Total Assets | 60,640 | 74,121 | 83,429 | 102,240 | 121,720 | 146,734 | 165,580 | 226,830 | 273,337 | 314,599 | 398,277 | 457,095 | 489,941 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | 166 | 2,711 | 5,778 | 8,525 | 10,395 | 13,473 | 19,299 | 23,878 | 21,852 | 28,656 | 29,122 | 25,547 |
Cash from Investing Activity | -708 | -178 | -7,204 | -9,032 | -8,910 | -13,552 | -16,986 | -19,203 | -21,611 | -30,203 | -31,221 | -21,789 |
Cash from Financing Activity | -58 | -117 | -144 | -144 | -221 | -241 | -198 | 3 | -231 | -415 | -227 | -215 |
Net Cash Flow | -600 | 2,416 | -1,570 | -651 | 1,264 | -321 | 2,114 | 4,677 | 10 | -1,962 | -2,327 | 3,543 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
Working Capital Days | -2 | 0 | -6 | 3 | 3 | 4 | 11 | 1 | -3 | 1 | 4 | 2 |
ROCE % | 27% | 25% | 23% | 23% | 24% | 22% | 22% | 17% | 15% | 15% | 15% | 17% |
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Stock Analysis
SBI Life Insurance Company Ltd is engaged in the business of life insurance and annuity. It was started as a joint-venture between State Bank of India and BNP Paribas Cardif S.A.
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