SBI Life Insurance Co Ltd
Fundamental Score
SBI Life Insurance Co Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of SBILIFE across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (15.13%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (16.88%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance. This indicates quality business fundamentals.
Consistent Growth Track Record (21.69% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Cash Generation (₹128577.72 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (55.36%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Strong Institutional Confidence (FII+DII: 40.55%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 factors identified
Margin Pressure Concerns (1.70%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Premium Valuation Risk (P/E: 80.49x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Revenue Contraction (-42.64%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Financial Statements
Comprehensive financial data for SBI Life Insurance Co Ltd
About SBILIFE
Business Overview
SBI Life Insurance Company Limited operates as a private life insurance company in India. The company's life insurance business comprises individual and group life insurance products, including participating, non-participating, pension, group gratuity, group leave encashment, group superannuation, group immediate annuity, unit-linked and variable insurance products, health, and micro insurance. It also provides accident and disability benefit, level term, and critical illness insurance products. In addition, the company offers online savings, protection, retirement, and child life insurance plans, as well as wealth creation with insurance products; and corporate solutions, group loan protection, and group micro insurance plans. It offers its products through a multi-channel distribution network comprising individual agents, brokers, corporate agents, bancassurance partners, and certified insurance facilitators, as well as through various partner branches. The company was incorporated in 2000 and is based in Mumbai, India. SBI Life Insurance Company Limited is a subsidiary of State Bank of India.
Company Details
Key Leadership
Corporate Events
Latest News
SBILIFE Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of SBI Life Insurance Co Ltd (SBILIFE)?
As of 29 Jan 2026, 10:33 am IST, SBI Life Insurance Co Ltd (SBILIFE) is currently trading at ₹1996.30. The stock has a market capitalization of ₹1.97L (Cr).
Is SBILIFE share price Overvalued or Undervalued?
SBILIFE is currently trading at a P/E ratio of 80.49x, compared to the industry average of 83.91x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the SBI Life Insurance Co Ltd share price?
Key factors influencing SBILIFE's price include its quarterly earnings growth (Sales Growth: -42.64%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is SBI Life Insurance Co Ltd a good stock for long-term investment?
SBI Life Insurance Co Ltd shows a 5-year Profit Growth of 11.28% and an ROE of 15.13%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing.
How does SBI Life Insurance Co Ltd compare with its industry peers?
SBI Life Insurance Co Ltd competes with major peers in the Life Insurance. Investors should compare SBILIFE's P/E of 80.49x and ROE of 15.13% against the industry averages to determine its competitive standing.
What is the P/E ratio of SBILIFE and what does it mean?
SBILIFE has a P/E ratio of 80.49x compared to the industry average of 83.91x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹80 for every ₹1 of annual earnings.
How is SBILIFE performing according to Bull Run's analysis?
SBILIFE has a Bull Run fundamental score of 47.1/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does SBILIFE belong to?
SBILIFE operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting SBI Life Insurance Co Ltd.
What is Return on Equity (ROE) and why is it important for SBILIFE?
SBILIFE has an ROE of 15.13%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently SBI Life Insurance Co Ltd generates profits from shareholders' equity.
How is SBILIFE's debt-to-equity ratio and what does it indicate?
SBILIFE has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is SBILIFE's dividend yield and is it a good dividend stock?
SBILIFE offers a dividend yield of 0.14%, which means you receive ₹0.14 annual dividend for every ₹100 invested.
How has SBILIFE grown over the past 5 years?
SBILIFE has achieved 5-year growth rates of: Sales Growth 21.69%, Profit Growth 11.28%, and EPS Growth 11.23%.
What is the promoter holding in SBILIFE and why does it matter?
Promoters hold 55.36% of SBILIFE shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SBILIFE's market capitalization category?
SBILIFE has a market capitalization of ₹197472 crores, placing it in the Large-cap category.
How volatile is SBILIFE stock?
SBILIFE has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SBILIFE?
SBILIFE has a 52-week high of ₹N/A and low of ₹N/A.
What is SBILIFE's operating profit margin trend?
SBILIFE has a 5-year average Operating Profit Margin (OPM) of 1.70%, indicating the company's operational efficiency.
How is SBILIFE's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -42.64% and YoY Profit Growth of -6.58%.
What is the institutional holding pattern in SBILIFE?
SBILIFE has FII holding of 21.85% and DII holding of 18.70%. Significant institutional holding often suggests professional confidence in the stock.