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SBI Life Insurance Co. Ltd. (SBILIFE) AI Stock Analysis
SBI Life Insurance Co. Ltd.
(NSE:SBILIFE)
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.
SBI Life Insurance Co. Ltd. (SBILIFE) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 1.74T
- Dividend Yield
- 0.16%
- Average Volume (3M)
- 85.78K
- Price to Earnings (P/E)
- 62.7
- Beta (1Y)
- 0.83
- Revenue Growth
- 17.87%
- EPS Growth
- 8.15%
- Country
- India
- Employees
- 27,653
- Sector
- General
- Sector Strength
- 55
- Industry
- Insurance - Life
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 participati...
SBI Life Insurance Co. Ltd. Financial Statement Overview
Summary
Strong overall financial quality supported by a debt-free balance sheet, steadily growing equity, and consistently healthy ROE (~12.7%–14.2%). Cash generation is a major positive with free cash flow closely tracking earnings (~0.99–1.00 conversion) and a strong rebound in FY2026. The key constraint is thin net margins (~1.4%–2.2%) and a volatile revenue path (notable FY2025 dip before recovery), which can reduce earnings resilience.
Income Statement
74PositiveBalance Sheet
86Very PositiveCash Flow
90Very 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 | 0 | 0 | 0 | 0 | 0 |
| 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
Price Trends
Market Momentum
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 1655.95 is below the 20-day moving average (MA) of 1676.95, below the 50-day MA of 1715.84, and below 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
Overall Rating
IN:HDFCLIFE77Outperform
IN:LICI73Outperform- IN:SBILIFE69Neutral
IN:POLICYBZR58Neutral
IN:ICICIPRULI56Neutral
IN:MFSL44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:HDFCLIFE | 77Outperform | INR 1.14T | 55.37 | ― | 0.76% | 18.53% | 7.81% |
| IN:LICI | 73Outperform | INR 4.86T | 8.07 | ― | 2.60% | 10.53% | 23.28% |
| IN:SBILIFE | 69Neutral | INR 1.66T | 62.66 | ― | 0.16% | 17.87% | 8.15% |
| IN:POLICYBZR | 58Neutral | INR 462.75B | 61.62 | ― | ― | 37.10% | 73.42% |
| IN:ICICIPRULI | 56Neutral | INR 593.56B | 33.31 | ― | 0.40% | -8.37% | 35.27% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:MFSL | 44Neutral | INR 415.17B | 221.81 | ― | ― | 17.54% | 15.23% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:SBILIFE | SBI Life Insurance Co. Ltd. | 1655.95 | -311.57 | -15.84% | |
| IN:HDFCLIFE | HDFC Life Insurance Co. Ltd. | 523.15 | -210.04 | -28.65% | |
| IN:ICICIPRULI | ICICI Prudential Life Insurance Co. Ltd. | 409.00 | -188.48 | -31.55% | |
| IN:LICI | Life Insurance Corp. of India | 384.00 | -65.44 | -14.56% | |
| IN:MFSL | Max Financial Services Limited | 1203.00 | -357.30 | -22.90% | |
| IN:POLICYBZR | PB Fintech Limited | 1000.00 | -810.95 | -44.78% |
SBI Life Insurance Co. Ltd. Corporate Events
SBI Life Posts Q2 FY 2026-27 Earnings Call Audio for Investors
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 domest...
SBI Life schedules October 27 earnings call on half-year performance
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 transcript...
SBI Life Allots Shares Under Employee Stock Option Scheme
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 &...
SBI Life to Engage Investors at Goldman Sachs Asia Leaders Conference 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 emphasized...
SBI Life Plans Investor Meeting at Morgan Stanley India Financials Event
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 pre...
SBI Life announces board change as independent director completes tenure
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 bo...
SBI Life boosts paid-up capital with ESOP share allotment
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 August 1...
SBI Life details 26th AGM proceedings and reinforces governance focus
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 circu...
SBI Life Shareholders Clear All Resolutions at Digitally Conducted AGM
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 shareholders,...
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.
Date of analysis: Aug 04, 2026