SBI Life Insurance Co. Ltd. stock analysis
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SBI Life Insurance Co. Ltd. (SBILIFE) Stock Price & Analysis
SBILIFE Stock Chart & Stats
- Day’s Range
- INR 1,757.00 - INR 1,820.10
- 52-Week Range
- INR 1,609.20 - INR 2,132.90
- Previous Close
- INR 1,765.00
- Volume
- N/A
- Average Volume (3M)
- 142.22K
- Market Cap
- INR 1.77T
- Enterprise Value
- INR 1.70T
- Total Cash (Recent Filing)
- INR 25.42B
- Total Debt (Recent Filing)
- INR 0
- Price to Earnings (P/E)
- 68.7
- Beta
- 0.84
- Next Earnings
- Jan 15, 2027 (Est.)
- EPS Estimate
- 7.08
- Last Dividend Ex-Date
- Mar 06, 2026
- Dividend Yield
- 0.15%
Bulls Say, Bears Say
Bulls Say
Debt-free Balance Sheet
The absence of reported debt provides SBI Life with financial flexibility and reduces balance-sheet stress across operating cycles. Consistently healthy returns on equity further indicate that the company has been using its capital productively, supporting resilience and future investment capacity.
Strong Cash Conversion
Free cash flow closely tracking reported earnings indicates that SBI Life’s accounting profits are converting into tangible cash. This supports internal funding for growth, strengthens financial flexibility, and reduces reliance on external financing to sustain operations or investment.
Growing Equity Base
Steady equity growth alongside healthy returns on equity points to a strengthening capital base rather than growth driven primarily by leverage. This can support policy expansion and absorb business volatility while preserving the company’s conservative financial position over time.
Bears Say
Thin Net Margins
Thin net margins leave less room to absorb slower growth, higher operating costs, or changes in business mix. Even when revenue and net income improve, limited profitability per unit of revenue can make earnings less resilient and constrain the pace of internally funded expansion.
Revenue Volatility
The sharp revenue decline followed by a rebound shows that top-line performance has not been consistently predictable across recent periods. Such volatility complicates planning, can weaken earnings visibility, and makes sustained growth harder to establish if the pattern repeats.
Volatile Free Cash Flow Growth
Although cash conversion is strong, negative free cash flow growth across two consecutive years demonstrates that the pace of cash generation can fluctuate materially. This may affect the timing of reinvestment and reduce confidence that cash resources will expand steadily each year.
SBI Life Insurance Co. Ltd. News
SBILIFE FAQ
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Company Description
SBI Life Insurance Co. Ltd.
SBI Life Insurance Company Limited functions as a private life insurer operating across India. The firm provides a broad portfolio of life and health coverage, tailored for both individual clients and group entities. Its offerings include participating and non-participating policies, pension schemes, and a variety of group benefits such as gratuity, leave encashment, and superannuation. Additionally, the company offers unit-linked and variable insurance products, health insurance, micro-insurance, and specific protections like accident, disability, level term, and critical illness policies. Distribution is facilitated via a comprehensive multi-channel network comprising independent agents, brokers, corporate representatives, bancassurance alliances, and certified insurance facilitators. As of March 31, 2022, this extensive network supported approximately 35,500 partner branches. Established in 2000, SBI Life is headquartered in Mumbai, India, and operates as a subsidiary of the State Bank of India.
- Sector
- General
- Industry
- Insurance - Life
- CEO
- Amit Jhingran
- Employees
- 27,653
- Website
- www.sbilife.co.in
- Address
- NATRAJ, M. V. Road, Mumbai, MA, 400069, IN
SBI Life Insurance Co. Ltd. (SBILIFE) Earnings & Revenues
SBILIFE Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 2 | 7 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 10 | 0 | 2 |
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