Overview

Detailed Summary

SBI Life Insurance Company, a joint venture between State Bank of India and BNP Paribas Cardif S.A., is a leading life insurance provider in India, offering a broad range of individual and group products including unit-linked and savings policies.
The company has significantly grown its new business premium by 19% year-over-year, reaching ₹313.3 billion, while maintaining a robust solvency ratio of 1.91, indicating a strong financial position.
SBI Life's assets under management increased by 16% to ₹5.1 trillion, underpinning its strength in managing large-scale investments effectively.
The company's focus on digital transformation is evident with 99.7% of individual applications submitted digitally, enhancing operational efficiency and customer experience.
Despite a slight rise in operating expense ratios due to regulatory changes, SBI Life maintains solid profit margins with a 4% increase in profit after tax, demonstrating sound financial management.

Sector: Insurance
Industry: Life Insurance
Market Cap: 2,06,417 Cr
Volatility: Low Risk
P/E Ratio: 83.3
Industry P/E: 18.5
PEG Ratio: 5.0
P/B Ratio: 10.9
52W High: 2,116.00
52W Low: 1,380.00

Sales CAGR

1Y: -11.44%
3Y: 12.15%
5Y: 21.72%
10Y: 22.31%

Profit CAGR

1Y: 27.43%
3Y: 17.02%
5Y: 11.16%
10Y: 12.13%

ROE

TTM: 13.04%
3Y: 13.42%
5Y: 13.43%
10Y: 14.69%

ROCE

TTM: 0.53%
3Y: 0.54%
5Y: 0.57%
10Y: 0.68%

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Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SBILIFE	2059.00	2,06,417 Cr	83.29	10.85	0.13	13.04	0.53	0.48
HDFCLIFE	729.50	1,57,398 Cr	83.28	8.94	0.29	10.74	0.53	0.49
ICICIGI	1961.00	97,654 Cr	35.72	5.92	0.63	16.57	20.98	3.61
ICICIPRULI	648.45	93,930 Cr	68.62	7.00	0.13	10.18	0.57	0.41
GICRE	385.15	67,571 Cr	7.02	0.96	2.60	13.64	11.68	4.33
MFSL	1833.85	63,289 Cr	438.72	11.93	0.00	3.04	3.53	0.09
GODIGIT	334.30	30,923 Cr	60.56	6.67	0.00	10.55	10.50	2.19

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Sales	28,569	38,803	37,568	34,392	40,015	18,542	24,169	38,696	22,809	45,803
Expenses	28,205	38,466	35,858	33,774	39,549	18,195	22,606	38,228	22,609	45,376
Operating Profit	364	338	1,710	618	466	347	1,563	468	200	427
OPM %	1.27	0.87	4.55	1.80	1.16	1.87	6.47	1.21	0.88	0.93
Other Income	23	-8.50	-874	-83	81	225	-723	143	313	170
Interest	—	—	—	—	—	—	—	—	—	—
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	387	329	836	535	547	572	841	611	513	598
Tax %	—	—	—	—	—	—	—	—	—	—
Net Profit	380	322	811	520	529	551	814	594	495	577
EPS in Rs	3.78	3.20	8.08	5.17	5.28	5.49	8.10	5.93	4.93	5.75

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	30,276	33,761	44,261	43,843	82,085	83,027	81,598	1,32,631	1,17,129	1,21,423
Expenses	29,622	32,738	43,175	41,948	80,277	81,143	78,742	1,29,840	1,14,135	1,18,578
Operating Profit	654	1,023	1,087	1,895	1,807	1,884	2,856	2,791	2,994	2,844
OPM %	2.16	3.03	2.46	4.32	2.20	2.27	3.50	2.10	2.56	2.34
Other Income	320	162	286	-481	-265	-323	-1,098	-849	-500	-274
Interest	—	—	—	—	—	—	—	—	—	0.00
Depreciation	—	—	—	—	—	—	—	—	—	0.00
Profit Before Tax	975	1,184	1,373	1,414	1,542	1,561	1,758	1,942	2,495	2,570
Tax %	—	—	—	—	—	—	—	—	—	3.19
Net Profit	955	1,150	1,327	1,422	1,456	1,506	1,721	1,894	2,413	2,488
EPS in Rs	—	11.47	13.23	14.18	14.52	15.01	17.15	18.86	24.04	24.71
Dividend Payout %	15.71	17.39	15.07	0.00	17.18	13.30	14.55	14.29	11.22	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,001	1,001	1,002
Reserves	3,733	4,552	5,528	6,576	7,743	9,400	10,622	12,017	13,907	15,983
Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	78,696	96,687	1,15,193	1,39,157	1,56,837	2,16,430	2,61,715	3,01,582	3,83,390	4,40,110
Total Liabilities	83,429	1,02,240	1,21,720	1,46,734	1,65,580	2,26,830	2,73,337	3,14,599	3,98,299	4,57,095
Fixed Assets	447	538	581	595	581	565	527	522	557	590
CWIP	146	31	70	32	13	1.49	2.81	1.07	5.74	10
Investments	77,843	95,830	1,14,436	1,39,325	1,58,813	2,18,756	2,64,832	3,04,334	3,85,590	4,47,467
Other Assets	4,993	5,840	6,633	6,782	6,172	7,507	7,976	9,742	12,146	9,028
Total Assets	83,429	1,02,240	1,21,720	1,46,734	1,65,580	2,26,830	2,73,337	3,14,599	3,98,299	4,57,095

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	5,778	8,525	10,395	13,473	19,299	23,878	21,852	28,656	29,122	25,547
Cash from Investing Activity	-7,204	-9,032	-8,910	-13,552	-16,986	-19,203	-21,611	-30,203	-31,221	-21,789
Cash from Financing Activity	-144	-144	-221	-241	-198	2.65	-231	-415	-227	-215
Net Cash Flow	-1,570	-651	1,264	-321	2,114	4,677	9.92	-1,962	-2,327	3,543

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	55.45%	55.45%	55.44%	55.43%	55.42%	55.41%	55.39%	55.38%	55.38%	55.37%	55.36%	55.34%
FIIs	25.13%	26.22%	26.18%	25.92%	25.16%	24.71%	25.19%	22.48%	21.88%	22.34%	21.85%	21.88%
DIIs	15.08%	14.15%	14.28%	14.63%	15.41%	15.89%	15.32%	17.92%	18.68%	18.24%	18.70%	18.72%
Public	4.33%	4.18%	4.10%	4.02%	4.01%	3.99%	4.10%	4.22%	4.06%	4.05%	4.10%	4.05%
Total Shareholders	3,74,674	3,58,088	3,49,407	3,38,525	3,35,114	3,45,541	3,35,864	3,74,916	3,63,505	3,55,321	3,57,764	3,52,496

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Frequently Asked Questions about SBI Life Insurance Company Ltd

SBI Life Insurance Company Ltd (SBILIFE) is currently trading at 2,045.35 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

SBI Life Insurance Company, a joint venture between State Bank of India and BNP Paribas Cardif S.A., is a leading life insurance provider in India, offering a broad range of individual and group products including unit-linked and savings policies. The company has significantly grown its new business premium by 19% year-over-year, reaching ₹313.3 billion, while maintaining a robust solvency ratio of 1.91, indicating a strong financial position. SBI Life's assets under management increased by 16% to ₹5.1 trillion, underpinning its strength in managing large-scale investments effectively. The company's focus on digital transformation is evident with 99.7% of individual applications submitted digitally, enhancing operational efficiency and customer experience. Despite a slight rise in operating expense ratios due to regulatory changes, SBI Life maintains solid profit margins with a 4% increase in profit after tax, demonstrating sound financial management.

Over the past 52 weeks, SBI Life Insurance Company Ltd has traded between a low of ₹1,380.00 and a high of ₹2,116.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

SBI Life Insurance Company Ltd has a market capitalization of approximately 2,06,417.48. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

SBI Life Insurance Company Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 83.29 and operates in the Insurance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 2,06,417.48 Cr, SBI Life Insurance Company Ltd is classified as a Large Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

SBI Life Insurance Company Ltd operates in the Insurance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of SBI Life Insurance Company Ltd is 83.29. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

The most significant announcement was the complete exemption of the 18% Goods and Services Tax (GST) on all individual life and health insurance policies, making them more affordable for customers.

Sbi Life Insurance Company Ltd

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

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Frequently Asked Questions about SBI Life Insurance Company Ltd

What is SBI Life Insurance Company Ltd share price today?

What does SBI Life Insurance Company Ltd do?

What is the 52-week high and low of SBI Life Insurance Company Ltd?

What is the market capitalization of SBI Life Insurance Company Ltd?

Should I consider investing in SBI Life Insurance Company Ltd stock?

Is SBI Life Insurance Company Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does SBI Life Insurance Company Ltd belong to and why does it matter?

What is the PE ratio of SBI Life Insurance Company Ltd?

What is the biggest announcement for SBI Life Insurance in Union Budget 2026?

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Frequently Asked Questions about SBI Life Insurance Company Ltd

What is SBI Life Insurance Company Ltd share price today?

What does SBI Life Insurance Company Ltd do?

What is the 52-week high and low of SBI Life Insurance Company Ltd?

What is the market capitalization of SBI Life Insurance Company Ltd?

Should I consider investing in SBI Life Insurance Company Ltd stock?

Is SBI Life Insurance Company Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does SBI Life Insurance Company Ltd belong to and why does it matter?

What is the PE ratio of SBI Life Insurance Company Ltd?

What is the biggest announcement for SBI Life Insurance in Union Budget 2026?

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