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SBI Life Insuran

₹1467.3 14.8 | 1%

Market Cap ₹147037 Cr.

Stock P/E 77.6

P/B 8.9

Current Price ₹1467.3

Book Value ₹ 165.6

Face Value 10

52W High ₹1935

Dividend Yield 0.18%

52W Low ₹ 1307

SBI Life Insuran Research see more...

Overview Inc. Year: 2000Industry: Insurance

SBI Life Insurance Company Ltd is an primarily India-based organization, which gives life coverage. The Company gives a range of offerings, consisting of premium calculator, retirement planner, child education planner and tax calculator. Its character plans consist of unit related plans, child plans, retirement plans, safety plans and financial savings plans. Its organization plans includes Corporate Solutions, Group Loan Protection Products and Group Micro Insurance Plans. Its company solutions include retirement solutions, consisting of SBI Life-Kalyan ULIP Plus, SBI lifestyles-CapAssure Gold and SBI life-Swarna Jeevan, and group safety plans. Its Group Loan Protection Product includes SBI Life-RiNn Raksha. Its Group Micro Insurance Plans consist SBI Life-Grameen Shakti and SBI Life-Grameen Super Suraksha. Its Online Plans includes SBI Life-eIncome Shield, SBI Life-eShield and SBI Life-Annuity Plus.

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SBI Life Insuran Share Price

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Peer Comparison

SBI Life Insuran Quarterly Results

#(Fig in Cr.) Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Net Sales 16477 19171 19897 13104 20050 22316 25116 15105 20266 24828
Other Income 11251 7659 3121 14800 8767 16734 12778 19551 20032 -5968
Total Income 27728 26830 23018 27904 28816 39051 37895 34657 40298 18859
Total Expenditure 27292 26483 22197 27471 28392 38681 37043 34060 39696 18266
Operating Profit 437 346 822 433 424 370 851 597 601 594
Interest 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 437 346 822 433 424 370 851 597 601 594
Provision for Tax 60 42 45 52 44 48 40 77 72 43
Profit After Tax 377 304 777 381 380 322 811 520 529 551
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 377 304 777 381 380 322 811 520 529 551
Adjusted Earnings Per Share 3.8 3 7.8 3.8 3.8 3.2 8.1 5.2 5.3 5.5

SBI Life Insuran Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Net Sales 10657 12780 15665 20852 25160 32890 40324 49768 58432 66581 80587 85315
Other Income 6697 10410 3454 9424 8600 11371 3519 32317 24595 15017 52044 46393
Total Income 17355 23190 19119 30276 33761 44261 43843 82085 83027 81598 132631 131709
Total Expenditure 16439 22382 18301 29442 32500 42906 41571 80180 81017 78595 129704 129065
Operating Profit 915 808 818 834 1261 1355 2271 1905 2010 3004 2927 2643
Interest 5 4 5 5 6 8 8 8 10 10 9 0
Depreciation 45 38 14 47 59 91 89 99 75 68 76 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 740 834 874 975 1184 1373 1414 1542 1561 1758 1942 2643
Provision for Tax 0 14 13 20 34 46 -9 87 55 38 48 232
Profit After Tax 740 820 861 955 1150 1327 1422 1456 1506 1721 1894 2411
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 740 820 861 955 1150 1327 1422 1456 1506 1721 1894 2411
Adjusted Earnings Per Share 7.4 8.2 8.6 9.5 11.5 13.3 14.2 14.6 15.1 17.2 18.9 24.1

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 21% 17% 20% 22%
Operating Profit CAGR -3% 15% 17% 12%
PAT CAGR 10% 9% 7% 10%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 0% 10% 10% NA%
ROE Average 14% 14% 15% 18%
ROCE Average 14% 14% 15% 19%

SBI Life Insuran Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 3306 3974 4691 5465 6374 7460 8884 10093 11418 12925 14592
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 56072 68795 76768 94742 113074 137155 155483 214731 259154 299053 380769
Total Current Liabilities 1473 1676 2503 2764 3216 3377 2784 3805 4559 4644 5195
Total Liabilities 60851 74445 83961 102971 122665 147992 167150 228629 275131 316622 400556
Fixed Assets 282 265 301 507 511 563 568 564 524 520 551
Other Non-Current Assets 56279 69393 78112 96040 114677 139529 159191 219116 265197 304724 385985
Total Current Assets 4289 4787 5548 6424 7476 7900 7391 8949 9410 11377 14020
Total Assets 60851 74445 83961 102971 122665 147992 167150 228629 275131 316622 400556

SBI Life Insuran Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 3562 2962 5378 3808 3141 4405 4084 6198 10875 10885 8923
Cash Flow from Operating Activities 168 2715 5778 8525 10395 13473 19299 23878 21852 28656 29122
Cash Flow from Investing Activities -710 -182 -7204 -9031 -8910 -13553 -16987 -19203 -21611 -30203 -31221
Cash Flow from Financing Activities -58 -117 -144 -144 -221 -241 -198 3 -231 -415 -227
Net Cash Inflow / Outflow -600 2416 -1570 -651 1264 -321 2113 4678 10 -1962 -2327
Closing Cash & Cash Equivalent 2962 5378 3808 3157 4405 4084 6198 10875 10885 8923 6596

SBI Life Insuran Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 7.4 8.2 8.61 9.55 11.5 13.27 14.22 14.56 15.05 17.19 18.91
CEPS(Rs) 7.4 8.2 8.61 9.55 11.5 13.27 14.22 14.56 15.05 17.19 18.91
DPS(Rs) 1 1.2 1.5 1.5 2 2 0 2.5 2 2.5 2.7
Book NAV/Share(Rs) 33.06 39.74 46.91 54.65 63.74 74.6 88.84 100.92 114.13 129.11 145.68
Core EBITDA Margin(%) -54.26 -75.13 -16.83 -41.19 -29.17 -30.45 -3.09 -61.11 -38.65 -18.04 -60.95
EBIT Margin(%) 6.94 6.53 5.58 4.67 4.71 4.17 3.51 3.1 2.67 2.64 2.41
Pre Tax Margin(%) 6.94 6.53 5.58 4.67 4.71 4.17 3.51 3.1 2.67 2.64 2.41
PAT Margin (%) 6.94 6.42 5.5 4.58 4.57 4.03 3.53 2.93 2.58 2.58 2.35
Cash Profit Margin (%) 6.94 6.42 5.5 4.58 4.57 4.03 3.53 2.93 2.58 2.58 2.35
ROA(%) 1.33 1.25 1.13 1.06 1.06 1.02 0.93 0.76 0.61 0.6 0.54
ROE(%) 24.72 22.53 19.87 18.8 19.43 19.18 17.4 15.34 14 14.14 13.77
ROCE(%) 24.72 22.92 20.17 19.19 20.01 19.85 17.3 16.26 14.51 14.45 14.12
Receivable days 0 0 0 0 0 0 0 0 0 0 0
Inventory Days 0 0 0 0 0 0 0 0 0 0 0
Payable days 0 0 0 0 0 0 0 0 0 0 0
PER(x) 0 0 0 0 58.54 43.68 45.07 60.48 74.41 63.97 79.21
Price/Book(x) 0 0 0 0 10.56 7.77 7.22 8.73 9.82 8.52 10.28
Dividend Yield(%) 0 0 0 0 0.3 0.35 0 0.28 0.18 0.23 0.18
EV/Net Sales(x) -0.14 -0.12 -0.1 -0.07 2.57 1.69 1.55 1.71 1.86 1.59 1.8
EV/Core EBITDA(x) -1.69 -1.89 -1.98 -1.71 51.31 40.97 27.59 44.8 54.16 35.26 49.63
Net Sales Growth(%) 2.65 19.92 22.58 33.11 20.66 30.72 22.6 23.42 17.41 13.95 21.04
EBIT Growth(%) 18.96 12.75 4.71 11.53 21.54 15.91 2.96 9.12 1.19 12.67 10.44
PAT Growth(%) 18.96 10.8 5 10.87 20.5 15.33 7.19 2.37 3.44 14.25 10.07
EPS Growth(%) 18.96 10.8 5 10.87 20.5 15.33 7.19 2.36 3.41 14.19 10
Debt/Equity(x) 0 0 0 0 0 0 0 0 0 0 0
Current Ratio(x) 2.31 2.14 1.71 1.72 1.66 1.58 1.61 1.48 1.36 1.62 1.8
Quick Ratio(x) 2.31 2.14 1.71 1.72 1.66 1.58 1.61 1.48 1.36 1.62 1.8
Interest Cover(x) 0 0 0 0 0 0 0 0 0 0 0
Total Debt/Mcap(x) 0 0 0 0 0 0 0 0 0 0 0

SBI Life Insuran Shareholding Pattern

# Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Promoter 55.46 55.45 55.45 55.45 55.44 55.43 55.42 55.41 55.39 55.38
FII 24.33 25.09 25.13 26.22 26.18 25.92 25.16 24.71 25.19 22.48
DII 15.65 14.94 15.08 14.15 14.28 14.63 15.41 15.89 15.32 17.92
Public 4.56 4.52 4.33 4.18 4.1 4.02 4.01 3.99 4.1 4.22
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company is almost debt free.

Cons

  • Company has a low return on equity of 14% over the last 3 years.
  • Stock is trading at 8.9 times its book value.
  • Earnings include an other income of Rs. 52044 Cr.
  • The company has delivered a poor profit growth of 7% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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