Sbi Life Insurance Company Ltd

SBILIFE
Insurance
โ‚น 1,830
Price
โ‚น 183,569
Market Cap
Large Cap
73.78
P/E Ratio

๐Ÿ“Š Score Snapshot

17.43 / 25
Performance
14.97 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
39.4 / 100
Avoid

๐Ÿข Company Overview

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๐Ÿค– CARL Insights

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๐Ÿ“ˆ Net Profit (Yearly)

๐Ÿ“Š Sales (Yearly)

๐Ÿ“‰ Quarterly Sales Trend

๐Ÿ“‰ Quarterly Net Profit

๐Ÿ“ˆ Yearly Ratios

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Adj Cash EBITDA 2,679 1,924 1,880 1,761 1,740 1,870 1,650 1,488
Adj Cash EBITDA Margin 2.29 1.46 2.33 2.12 2.12 4.27 3.70 4.37
Adj Cash EBITDA To EBITDA 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash EPS 23.95 21.09 18.13 15.05 14.56 14.30 14.00 11.50
Adj Cash PAT 2,400 2,113 1,815 1,506 1,456 1,430 1,400 1,150
Adj Cash PAT To PAT 0.99 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Adj Cash PE 64.52 78.76 64.14 73.98 60.68 45.72 46.24 59.10
Adj EPS 24.08 21.09 18.13 15.05 14.56 14.30 14.00 11.50
Adj Number Of Shares 100.21 100.16 100.12 100.07 100.00 100.00 100.00 100.00
Adj PE 64.17 78.76 64.14 73.98 60.68 45.72 46.24 59.10
Adj Peg 4.53 4.82 3.13 21.98 33.37 21.34 2.13 -
Bvps 169.49 148.84 130.02 116.14 104.00 87.43 75.76 65.28
Cash ROCE 14.38 11.68 13.22 13.74 15.05 17.34 17.06 18.35
Cash Roic -0.27 -0.03 -0.02 -0.25 -0.37 -0.70 -0.87 -0.97
Cash Revenue 116,888 131,988 80,636 82,983 81,913 43,798 44,604 34,068
Cash Revenue To Revenue 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Dividend Yield 0.17 0.18 0.23 0.18 0.28 - 0.33 0.29
EV -294,464 -240,921 -197,911 -156,228 -133,122 -95,221 -80,536 -49,116
Fcfe 2,294 2,060 1,808 1,514 1,440 1,430 1,344 1,103
Fcfe Margin 1.96 1.56 2.24 1.82 1.76 3.26 3.01 3.24
Fcfe To Adj PAT 0.95 0.97 1.00 1.01 0.99 1.00 0.96 0.96
Fcff 1,087 101.95 41.76 591.83 671.16 1,003 1,061 982.48
Fcff Margin 0.93 0.08 0.05 0.71 0.82 2.29 2.38 2.88
Fcff To NOPAT 0.90 0.66 0.86 1.01 0.98 1.00 0.95 0.95
Market Cap 154,850 148,768 110,242 111,413 88,345 65,015 61,210 67,965
PB 9.12 9.98 8.47 9.59 8.49 7.44 8.08 10.41
PE 64.17 78.55 64.05 73.98 60.68 45.72 46.13 59.10
Peg 2.35 7.85 4.50 21.98 25.38 6.39 3.00 -
PS 1.32 1.13 1.37 1.34 1.08 1.48 1.37 1.99
ROCE 15.13 12.06 13.28 13.67 15.22 17.34 17.86 19.13
ROE 15.13 15.13 14.73 13.68 15.21 17.52 19.85 19.04
Roic -0.30 -0.05 -0.02 -0.25 -0.38 -0.70 -0.91 -1.01
Share Price 1,545 1,485 1,101 1,113 883.45 650.15 612.10 679.65

๐Ÿ“Š Quarterly Results

Metric Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022
Sales 23,115 38,996 23,071 18,862 40,302 34,654 36,255 39,033 28,805 27,895 21,296 26,817 27,717 4,806
Expenses - 22,600 38,333 23,520 18,266 39,696 34,060 37,043 38,681 28,392 27,471 22,197 26,483 27,292 4,516
Other Income - 16.23 -7.73 1,350 -2.77 -4.12 3.23 1,639 18.25 11.52 8.58 1,723 12.99 11.31 11.14
Profit Before Tax 532.00 656.00 901.00 594.00 601.00 597.00 851.00 370.00 424.00 433.00 822.00 346.00 437.00 301.00
Tax % 6.95 9.45 9.66 7.24 11.98 12.90 4.70 12.97 10.38 12.01 5.47 12.14 13.73 12.62
Net Profit - 495.00 594.00 814.00 551.00 529.00 520.00 811.00 322.00 380.00 381.00 777.00 304.00 377.00 263.00
Profit Excl Exceptional 495.00 594.00 814.00 551.00 529.00 520.00 811.00 322.00 380.00 381.00 777.00 304.00 377.00 263.00
Profit For PE 495.00 594.00 814.00 551.00 529.00 520.00 811.00 322.00 380.00 381.00 777.00 304.00 377.00 263.00
Profit For EPS 495.00 594.00 814.00 551.00 529.00 520.00 811.00 322.00 380.00 381.00 777.00 304.00 377.00 263.00
EPS In Rs 4.93 5.93 8.12 5.50 5.28 5.19 8.10 3.21 3.80 3.81 7.76 3.04 3.76 2.63
PAT Margin % 2.14 1.52 3.53 2.92 1.31 1.50 2.24 0.82 1.32 1.37 3.65 1.13 1.36 5.47
PBT Margin 2.30 1.68 3.91 3.15 1.49 1.72 2.35 0.95 1.47 1.55 3.86 1.29 1.58 6.26
Tax 37.00 62.00 87.00 43.00 72.00 77.00 40.00 48.00 44.00 52.00 45.00 42.00 60.00 38.00
Yoy Profit Growth % -7.00 14.00 - 71.00 39.00 36.00 4.00 6.00 1.00 45.00 16.00 -16.00 53.00 18.00
Adj Ebit 531.23 655.27 900.78 593.23 601.88 597.23 851.33 370.25 424.52 432.58 821.65 346.99 436.31 301.14
Adj EBITDA 531.23 655.27 900.78 593.23 601.88 597.23 851.33 370.25 424.52 432.58 821.65 346.99 436.31 301.14
Adj EBITDA Margin 2.30 1.68 3.90 3.15 1.49 1.72 2.35 0.95 1.47 1.55 3.86 1.29 1.57 6.27
Adj Ebit Margin 2.30 1.68 3.90 3.15 1.49 1.72 2.35 0.95 1.47 1.55 3.86 1.29 1.57 6.27
Adj PAT 495.00 594.00 814.00 551.00 529.00 520.00 811.00 322.00 380.00 381.00 777.00 304.00 377.00 263.00
Adj PAT Margin 2.14 1.52 3.53 2.92 1.31 1.50 2.24 0.82 1.32 1.37 3.65 1.13 1.36 5.47
Ebit 531.23 655.27 900.78 593.23 601.88 597.23 851.33 370.25 424.52 432.58 821.65 346.99 436.31 301.14
EBITDA 531.23 655.27 900.78 593.23 601.88 597.23 851.33 370.25 424.52 432.58 821.65 346.99 436.31 301.14
EBITDA Margin 2.30 1.68 3.90 3.15 1.49 1.72 2.35 0.95 1.47 1.55 3.86 1.29 1.57 6.27
Ebit Margin 2.30 1.68 3.90 3.15 1.49 1.72 2.35 0.95 1.47 1.55 3.86 1.29 1.57 6.27
NOPAT 479.21 600.35 -405.63 552.85 533.40 517.37 -750.96 306.35 370.13 373.08 -851.72 293.45 366.65 253.40
NOPAT Margin 2.07 1.54 -1.76 2.93 1.32 1.49 -2.07 0.78 1.28 1.34 -4.00 1.09 1.32 5.27
Operating Profit 515.00 663.00 -449.00 596.00 606.00 594.00 -788.00 352.00 413.00 424.00 -901.00 334.00 425.00 290.00
Operating Profit Margin 2.23 1.70 -1.95 3.16 1.50 1.71 -2.17 0.90 1.43 1.52 -4.23 1.25 1.53 6.03

๐Ÿ’ฐ Profit & Loss

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018 Mar 2017 Mar 2016 Mar 2015 Mar 2014
Sales 116,888 131,988 80,636 82,983 81,913 43,798 44,604 34,068 30,548 19,324 23,299 17,258
Interest - 9.00 10.00 - - - 8.00 6.00 5.00 5.00 4.00 5.00
Expenses - 115,542 131,742 80,514 82,254 81,040 42,447 43,130 32,736 29,479 18,404 22,505 16,747
Other Income - 1,346 1,678 1,758 1,032 867.00 519.00 176.00 156.00 139.00 129.00 183.00 344.00
Exceptional Items - 240.00 104.00 - - 10.00 90.00 - - - - -
Depreciation - 76.00 68.00 75.00 99.00 89.00 92.00 59.00 48.00 37.00 34.00 35.00
Profit Before Tax 2,693 2,078 1,906 1,687 1,640 1,790 1,642 1,422 1,154 1,007 939.00 816.00
Tax % 10.40 8.85 9.71 10.73 11.22 20.56 19.18 19.13 17.24 16.19 13.21 10.78
Net Profit - 2,413 1,894 1,721 1,506 1,456 1,422 1,327 1,150 955.00 844.00 815.00 728.00
Exceptional Items At - 224.00 96.00 - - 8.00 75.00 - - - - -
Profit Excl Exceptional 2,413 1,670 1,625 1,506 1,456 1,414 1,251 1,150 955.00 844.00 815.00 728.00
Profit For PE 2,413 1,670 1,625 1,506 1,456 1,414 1,251 1,150 955.00 844.00 815.00 728.00
Profit For EPS 2,413 1,894 1,721 1,506 1,456 1,422 1,327 1,150 955.00 844.00 815.00 728.00
EPS In Rs 24.08 18.91 17.19 15.05 14.56 14.22 13.27 11.50 - - - -
Dividend Payout % 11.00 14.00 15.00 13.00 17.00 - 15.00 17.00 16.00 14.00 15.00 14.00
PAT Margin % 2.06 1.43 2.13 1.81 1.78 3.25 2.98 3.38 3.13 4.37 3.50 4.22
PBT Margin 2.30 1.57 2.36 2.03 2.00 4.09 3.68 4.17 3.78 5.21 4.03 4.73
Tax 280.00 184.00 185.00 181.00 184.00 368.00 315.00 272.00 199.00 163.00 124.00 88.00
Adj Ebit 2,692 1,848 1,812 1,686 1,641 1,781 1,558 1,429 1,160 1,012 943.00 820.00
Adj EBITDA 2,692 1,924 1,880 1,761 1,740 1,870 1,650 1,488 1,208 1,049 977.00 855.00
Adj EBITDA Margin 2.30 1.46 2.33 2.12 2.12 4.27 3.70 4.37 3.95 5.43 4.19 4.95
Adj Ebit Margin 2.30 1.40 2.25 2.03 2.00 4.07 3.49 4.19 3.80 5.24 4.05 4.75
Adj PAT 2,413 2,113 1,815 1,506 1,456 1,430 1,400 1,150 955.00 844.00 815.00 728.00
Adj PAT Margin 2.06 1.60 2.25 1.81 1.78 3.26 3.14 3.38 3.13 4.37 3.50 4.22
Ebit 2,692 1,608 1,708 1,686 1,641 1,771 1,468 1,429 1,160 1,012 943.00 820.00
EBITDA 2,692 1,684 1,776 1,761 1,740 1,860 1,560 1,488 1,208 1,049 977.00 855.00
EBITDA Margin 2.30 1.28 2.20 2.12 2.12 4.25 3.50 4.37 3.95 5.43 4.19 4.95
Ebit Margin 2.30 1.22 2.12 2.03 2.00 4.04 3.29 4.19 3.80 5.24 4.05 4.75
NOPAT 1,206 154.95 48.76 583.83 687.16 1,003 1,117 1,029 844.98 740.04 659.60 424.69
NOPAT Margin 1.03 0.12 0.06 0.70 0.84 2.29 2.50 3.02 2.77 3.83 2.83 2.46
Operating Profit 1,346 170.00 54.00 654.00 774.00 1,262 1,382 1,273 1,021 883.00 760.00 476.00
Operating Profit Margin 1.15 0.13 0.07 0.79 0.94 2.88 3.10 3.74 3.34 4.57 3.26 2.76

๐Ÿฆ Balance Sheet

Metric Sep 2025 Mar 2025 Sep 2024 Mar 2024 Sep 2023 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019
Accumulated Depreciation - - - 713.38 - 716.27 669.31 615.49 526.27 439.52
Average Capital Employed 17,278 15,946 15,114 13,962 - 12,320 11,012 9,572 8,160 7,052
Average Invested Capital -447,644 -407,206 -377,989 -335,059 - -275,659 -233,608 -181,334 -142,879 -122,403
Average Total Assets 469,219 427,697 400,460 356,449 - 293,968 250,084 196,205 156,157 134,227
Average Total Equity 17,278 15,946 15,114 13,963 - 12,320 11,011 9,572 8,160 7,052
Cwip - - - 6.00 - 1.00 3.00 1.00 13.00 32.00
Capital Employed 18,296 16,985 16,259 14,908 13,969 13,017 11,623 10,400 8,743 7,576
Cash Equivalents 1,734 1,847 4,174 4,746 3,498 4,165 3,204 2,711 1,423 2,421
Fixed Assets 632.00 590.00 563.00 1,198 542.00 867.00 919.00 564.00 568.00 563.00
Gross Block - - - 1,912 - 1,583 1,588 1,179 1,094 1,003
Invested Capital -471,013 -439,520 -424,274 -374,892 -331,704 -295,226 -256,092 -211,124 -151,545 -134,213
Investments 480,726 447,467 435,926 384,943 342,174 303,988 264,437 218,756 158,813 139,325
Loans N Advances 6,850 7,192 7,835 111.00 - 91.00 74.00 57.00 51.00 44.00
Net Debt -482,460 -449,314 -440,100 -389,689 -345,672 -308,153 -267,641 -221,467 -160,236 -141,746
Net Working Capital -471,645 -440,110 -424,837 -376,096 -332,246 -296,094 -257,014 -211,689 -152,126 -134,808
Other Asset Items - - - 7,295 357.00 5,488 4,700 4,741 4,711 4,350
Other Liability Items 471,645 440,110 432,238 381,886 338,453 300,332 260,700 215,688 156,127 138,543
Reserves 17,294 15,983 15,257 13,907 12,968 12,017 10,622 9,400 7,743 6,576
Share Capital 1,003 1,002 1,002 1,001 1,001 1,001 1,000 1,000 1,000 1,000
Short Term Loans And Advances - - 7,401 - 5,850 - - - - -
Total Assets 489,941 457,095 448,497 398,299 352,422 314,599 273,337 226,830 165,580 146,734
Total Equity 18,297 16,985 16,259 14,908 13,969 13,018 11,622 10,400 8,743 7,576
Total Equity And Liabilities 489,941 457,095 448,497 398,299 352,422 314,599 273,337 226,830 165,580 146,734
Total Liabilities 471,644 440,110 432,238 383,391 338,453 301,581 261,715 216,430 156,837 139,158
Trade Payables - - - 1,505 - 1,250 1,014 742.00 710.00 615.00

๐Ÿ’ต Cash Flows

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Cash From Financing Activity -215.00 -227.00 -415.00 -231.00 3.00 -198.00 -241.00 -221.00
Cash From Investing Activity -21,789 -31,221 -30,203 -21,611 -19,203 -16,986 -13,552 -8,910
Cash From Operating Activity 25,547 29,122 28,656 21,852 23,878 19,299 13,473 10,395
Cash Paid For Purchase Of Fixed Assets -106.00 -129.00 -76.00 -67.00 -115.00 -89.00 -149.00 -107.00
Cash Paid For Purchase Of Investments -238,460 -269,705 -244,324 -161,709 -148,680 -129,121 -97,362 -80,310
Cash Receipts From Deposits - -594.00 - - - - - -
Cash Received From Issue Of Shares 56.00 43.00 35.00 19.00 3.00 1.00 - -
Cash Received From Sale Of Fixed Assets - - 1.00 - - - 1.00 1.00
Cash Received From Sale Of Investments 197,553 223,071 201,149 128,469 118,856 104,064 77,034 65,518
Change In Other Working Capital Items - -392.00 - - - - - -
Change In Working Capital -13.00 - - - - - - -
Direct Taxes Paid -996.00 -878.00 -799.00 -717.00 -571.00 -599.00 -610.00 -
Dividends Paid -271.00 -270.00 -450.00 -250.00 - -200.00 -200.00 -150.00
Dividends Received - 1,369 1,002 772.00 554.00 469.00 343.00 316.00
Interest Received 18,751 13,573 12,057 11,058 10,232 7,872 6,588 5,676
Net Cash Flow 3,543 -2,327 -1,962 10.00 4,677 2,114 -321.00 1,264
Operating Deposits -13.00 - - - - - - -
Other Cash Financing Items Paid - - - - - - -41.00 -71.00
Other Cash Investing Items Paid 473.00 599.00 -13.00 -134.00 -51.00 -181.00 -7.00 -3.00
Other Cash Operating Items Paid 26,556 29,999 29,455 22,569 24,448 19,897 14,082 -
Profit From Operations - - - - - - - 10,395

๐Ÿงพ Shareholding Pattern

Nse Code Date Promoters Fii Dii Public Others
Sbilife 2025-09-30 - 21.85 18.70 4.09 0.00
Sbilife 2025-06-30 - 22.34 18.24 4.05 0.00
Sbilife 2025-03-31 - 21.88 18.67 4.06 0.00
Sbilife 2024-12-31 - 22.48 17.91 4.22 0.00
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