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SBI Life Insurance Co. Ltd.
(SBILIFE)
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Rating:69Neutral
Price Target:
₹1,813.00
▼(-2.40% Downside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by strong financial fundamentals (debt-free balance sheet, solid ROE, and excellent cash conversion) and supported by constructive price momentum. These positives are meaningfully offset by expensive valuation (very high P/E) and a minimal dividend yield, which increases sensitivity to any slowdown given thin margins and revenue volatility.
Positive Factors
Debt-free balance sheet
A debt-free balance sheet gives SBI Life financial flexibility and reduces the burden of interest and refinancing obligations. Growing equity further strengthens its capital base, supporting resilience through insurance-cycle volatility and enabling continued investment in distribution and products.
Negative Factors
Thin net margins
Thin net margins leave less room to absorb adverse changes in operating costs, product mix, or business growth. Even with improving profitability, a small margin buffer can make earnings more sensitive to execution challenges and reduce the durability of returns during slower periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
A debt-free balance sheet gives SBI Life financial flexibility and reduces the burden of interest and refinancing obligations. Growing equity further strengthens its capital base, supporting resilience through insurance-cycle volatility and enabling continued investment in distribution and products.
Read all positive factors
SBI Life Insurance Co. Ltd. (SBILIFE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.66T
Dividend Yield0.16%
Average Volume (3M)96.43K
Price to Earnings (P/E)62.7
Beta (1Y)0.83
Revenue Growth17.87%
EPS Growth8.15%
CountryIN
Employees27,653
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Life
Share Statistics
EPS (TTM)25.93
Shares Outstanding1,003,409,240
10 Day Avg. Volume101,561
30 Day Avg. Volume96,431
Financial Highlights & Ratios
PEG Ratio31.59
Price to Book (P/B)9.34
Price to Sales (P/S)1.59
P/FCF Ratio5.19
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹2,500.00Price Target Upside34.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)30.28
Revenue Forecast (FY)₹1.18T
SBI Life Insurance Co. Ltd. Business Overview & Revenue Model
Company Description
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 particip...
SBI Life Insurance Co. Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
86
Very Positive
Cash Flow
90
Very Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.19T | 1.12T | 1.15T | 1.31T | 806.39B | 829.11B |
| Gross Profit | 749.35B | 575.41B | 1.12T | 1.28T | 775.77B | 807.53B |
| EBITDA | 26.72B | 25.37B | 25.90B | 20.27B | 18.51B | 16.58B |
| Net Income | 26.01B | 24.70B | 24.13B | 18.94B | 17.21B | 15.06B |
Balance Sheet | ||||||
| Total Assets | 5.34T | 5.00T | 4.57T | 3.98T | 3.15T | 2.73T |
| Cash, Cash Equivalents and Short-Term Investments | 15.27B | 32.08B | 18.47B | 48.31B | 23.43B | 26.85B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 5.14T | 4.81T | 4.40T | 3.83T | 3.02T | 2.62T |
| Stockholders Equity | 201.21B | 190.86B | 169.85B | 149.09B | 130.17B | 116.22B |
Cash Flow | ||||||
| Free Cash Flow | 144.85B | 343.38B | 254.40B | 290.07B | 416.52B | 336.26B |
| Operating Cash Flow | 145.78B | 345.23B | 255.47B | 291.22B | 417.15B | 336.82B |
| Investing Cash Flow | -157.00B | -353.18B | -217.89B | -312.21B | -302.03B | -216.11B |
| Financing Cash Flow | 404.20M | -1.79B | -2.15B | -2.27B | -4.15B | -2.31B |
SBI Life Insurance Co. Ltd. Technical Analysis
Negative
1857.65
Price Trends
1715.84
Negative
1766.26
Negative
1849.70
Negative
Market Momentum
-21.61
Negative
41.74
Neutral
62.41
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SBILIFE, the sentiment is Negative. The current price of 1857.65 is above the 20-day moving average (MA) of 1676.95, above the 50-day MA of 1715.84, and above the 200-day MA of 1849.70, indicating a bearish trend. The MACD of -21.61 indicates Negative momentum. The RSI at 41.74 is Neutral, neither overbought nor oversold. The STOCH value of 62.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SBILIFE.
SBI Life Insurance Co. Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹1.14T | 55.37 | ― | 0.76% | 18.53% | 7.81% | |
69 Neutral | ₹1.66T | 62.66 | ― | 0.16% | 17.87% | 8.15% | |
65 Neutral | ₹4.86T | 8.07 | ― | 2.60% | 10.53% | 23.28% | |
60 Neutral | ₹462.75B | 61.62 | ― | ― | 37.10% | 73.42% | |
56 Neutral | ₹593.56B | 33.31 | ― | 0.40% | -8.37% | 35.27% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ₹415.17B | 221.81 | ― | 0.63% | 17.54% | 15.23% |
* General Sector Average
IN:SBILIFE
SBI Life Insurance Co. Ltd.
1,655.95
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SBI Life Insurance Co. Ltd. Corporate Events
SBI Life Posts Q2 FY 2026-27 Earnings Call Audio for Investors
Oct 27, 2026
SBI Life Insurance Company Ltd. is a major Indian life insurer that provides protection, savings, and retirement solutions to a wide customer base across the country. Listed on the NSE and BSE and regulated by the IRDAI, the company serves the dom...
SBI Life schedules October 27 earnings call on half-year performance
Oct 22, 2026
SBI Life Insurance will host an earnings conference call for analysts and investors at 19:00 IST on October 27, 2026 to discuss its performance for the half year ended September 30, 2026. The company plans to publish an audio recording and transcr...
SBI Life Allots Shares Under Employee Stock Option Scheme
Oct 7, 2026
SBI Life Insurance Company Ltd. has allotted 4,160 equity shares to certain employees following the exercise of vested stock options under its SBI Life Employee Stock Option Scheme 2018, as approved by the Board Stakeholders’ Relationship S...
SBI Life to Engage Investors at Goldman Sachs Asia Leaders Conference 2026
Aug 26, 2026
SBI Life Insurance Company Ltd. has disclosed that its senior management will participate in the Goldman Sachs Asia Leaders Conference 2026 in Hong Kong on August 31 and September 1, 2026, engaging with investors and analysts. The company emphasiz...
SBI Life Plans Investor Meeting at Morgan Stanley India Financials Event
Aug 23, 2026
SBI Life Insurance Company Ltd. is a leading Indian life insurer offering a diversified portfolio of life insurance and protection solutions to retail and institutional clients. The company operates under IRDAI oversight and maintains a prominent ...
SBI Life announces board change as independent director completes tenure
Aug 19, 2026
SBI Life Insurance has announced that independent director Narayan K. Seshadri has stepped down from the board following the completion of his permitted tenure. His cessation, effective at the close of business on August 19, 2026, reflects routine...
SBI Life boosts paid-up capital with ESOP share allotment
Aug 18, 2026
SBI Life Insurance has allotted 88,522 equity shares to employees following the exercise of vested options under its 2018 Employee Stock Option Scheme, as approved by the Board Stakeholders’ Relationship and Sustainability Committee on Augus...
SBI Life details 26th AGM proceedings and reinforces governance focus
Aug 14, 2026
SBI Life Insurance Company Ltd. convened its 26th Annual General Meeting on August 14, 2026 via video conference and other audio-visual means, in compliance with the Companies Act, SEBI listing regulations and relevant government and regulatory ci...
SBI Life Shareholders Clear All Resolutions at Digitally Conducted AGM
Aug 14, 2026
SBI Life Insurance Company Ltd. held its 26th Annual General Meeting on August 14, 2026, via video conferencing and other audio-visual means, with e-voting provided to shareholders. The AGM was attended remotely by promoters and public shareholder...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.