Subscribe

SBI Life Insurance Company Limited (SBILIFE.NS)

INR1,790.00 +5.60 (+0.31%)
IN NSE Financial Services Insurance - Life
Address NATRAJ, M. V. Road 400069
Mumbai, IN
CEO Amit Jhingran
Website sbilife.co.in
IPO 2017-10-03
ISIN INE123W01016

Explore sections of this company profile

Also trades on Bombay Stock Exchange · SBILIFE.BO (INR) National Stock Exchange of India · SBILIFE.NS (INR)
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 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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
INR1,790.00 +5.60 (+0.31%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
1M
Beta
0.34
Float Shares
448.17M
Free Float %
44.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.76% -3.76% -7.16% -10.42% -15.79% -16.16% -2.80% +37.22% +73.00% +141.11% +141.11%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,790.00
DCF (Unlevered) 808.38 -54.8%
DCF (Levered) 15,170.23 +747.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-06 Change
Strong Buy 5 0
Buy 31 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.46
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
3 / 10
No MOAT
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Insurance - Life: +10.6%
    -3.1% Q1'26: -80.9% (vs Q1'25)
  • ✓
    EPS growth Insurance - Life: +13.4%
    +2.3% Q1'26: -1.1% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Life: +31.7%
    +2.2% Q1'26: +352.5% (vs Q1'25)
  • ✗
    EBIT margin Insurance - Life: +12.4%
    +2.3% Q1'26: +19.8% (vs Q1'25)
  • ✓
    ROIC Insurance - Life: +1.0%
    +15.6% ★ Q1'26: +20.3% (vs Q1'25)
  • ✗
    Share dilution Insurance - Life: +0.4%
    +0.1% Q1'26: +0.0% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    0.00× ★ Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.34) × ERP
WACC = 100% × Ke + 0% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 801.95 Current price: 1,790.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2018
actual 		Mar 2019
actual 		Mar 2020
actual 		Mar 2021
actual 		Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
21 Rev. Ana.
28 EPS Ana. 		Mar 2027
24 Rev. Ana.
28 EPS Ana. 		Mar 2028
25 Rev. Ana.
28 EPS Ana. 		Mar 2029
9 Rev. Ana.
9 EPS Ana.
Revenue
339.61B
est: 285.47B (+19.0%)
445.27B
est: 335.87B (+32.6%)
437.39B
est: 431.26B (+1.4%)
821.22B
est: 593.78B (+38.3%)
829.11B
est: 827.90B (+0.1%)
806.39B
est: 909.25B (-11.3%)
1.31T
est: 1.39T (-5.7%)
1.15T
est: 894.51B (+29.0%)
989.58B
903.53B – 1.06T
+10.6% YoY
1.16T
953.03B – 1.28T
+17.5% YoY
1.33T
1.02T – 1.51T
+14.2% YoY
1.50T
1.19T – 1.68T
+13.2% YoY
EBITDA
12.50B
est: 5.77B (+116.5%)
14.72B
est: 16.61B (-11.4%)
15.11B
est: 18.60B (-18.8%)
16.63B
est: 16.51B (+0.8%)
16.58B
est: 20.32B (-18.4%)
18.51B
est: 20.92B (-11.5%)
20.27B
est: 28.74B (-29.5%)
25.90B
est: 18.29B (+41.6%)
20.50B
18.71B – 22.05B
+12.1% YoY
24.08B
19.74B – 26.43B
+17.5% YoY
27.49B
21.13B – 31.25B
+14.2% YoY
31.13B
24.67B – 34.82B
+13.2% YoY
EBIT
11.91B
est: 5.53B (+115.3%)
13.81B
est: 13.95B (-1.0%)
14.22B
est: 18.11B (-21.5%)
15.64B
est: 20.38B (-23.3%)
15.83B
est: 25.09B (-36.9%)
17.83B
est: 25.83B (-31.0%)
19.51B
est: 27.90B (-30.1%)
25.06B
est: 17.75B (+41.2%)
19.89B
18.16B – 21.40B
+12.1% YoY
23.37B
19.16B – 25.65B
+17.5% YoY
26.68B
20.51B – 30.33B
+14.2% YoY
30.21B
23.94B – 33.79B
+13.2% YoY
Net Income
11.50B
est: 11.38B (+1.1%)
13.27B
est: 14.45B (-8.2%)
14.22B
est: 17.27B (-17.7%)
14.56B
est: 16.09B (-9.5%)
15.06B
est: 19.81B (-24.0%)
17.21B
est: 20.39B (-15.6%)
18.94B
est: 20.32B (-6.8%)
24.13B
est: 24.88B (-3.0%)
24.70B
19.61B – 38.36B
-0.7% YoY
29.07B
23.17B – 38.45B
+17.7% YoY
33.71B
27.87B – 52.09B
+16.0% YoY
37.61B
31.86B – 47.73B
+11.6% YoY
SGA
16.18B
est: 971.28M (+1,565.7%)
19.76B
est: 27.37B (-27.8%)
22.57B
est: 34.84B (-35.2%)
22.31B
est: 35.71B (-37.5%)
27.94B
est: 43.97B (-36.4%)
31.73B
est: 45.27B (-29.9%)
37.85B
est: 38.53B (-1.8%)
42.55B
est: 24.52B (+73.6%)
27.48B
25.09B – 29.56B
+12.1% YoY
32.28B
26.46B – 35.43B
+17.5% YoY
36.85B
28.33B – 41.89B
+14.2% YoY
41.74B
33.07B – 46.68B
+13.2% YoY
EPS
11.50
est: 11.35 (+1.3%)
13.27
est: 13.29 (-0.1%)
14.22
est: 14.49 (-1.8%)
14.56
est: 15.09 (-3.5%)
15.06
est: 15.46 (-2.6%)
17.19
est: 17.35 (-0.9%)
18.92
est: 20.30 (-6.8%)
24.09
est: 23.36 (+3.1%)
26.93
19.54 – 38.23
+15.3% YoY
30.43
23.10 – 38.32
+13.0% YoY
35.54
27.78 – 51.91
+16.8% YoY
40.09
31.75 – 47.57
+12.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-11 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-10 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-09 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-08 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-05 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-04 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-03 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-02 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-06-01 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-29 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-27 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-26 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-25 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-22 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-21 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-20 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-19 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-18 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-15 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-14 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-13 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-12 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-11 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-08 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-07 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-06 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-05 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-05-04 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-04-30 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-04-29 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-04-28 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-04-27 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-04-24 B- 2/5 4/5 4/5 3/5 1/5 1/5 1/5
2026-04-23 B- 3/5 4/5 4/5 4/5 1/5 1/5 1/5
2026-04-22 B- 3/5 4/5 4/5 4/5 1/5 1/5 1/5
2026-04-21 B- 3/5 4/5 4/5 4/5 1/5 1/5 1/5
2026-04-20 B- 3/5 4/5 4/5 4/5 1/5 1/5 1/5
2026-04-17 B- 3/5 4/5 4/5 4/5 1/5 1/5 1/5
2026-04-16 B- 3/5 4/5 4/5 4/5 1/5 1/5 1/5
2026-04-15 B- 3/5 4/5 4/5 4/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-893.43M
OE per share TTM
-0.89
Owner's Yield
-0.05%
Maintenance CapEx ratio
4.44%
Maint CapEx / Avg PPE
0.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.06M
Shares Outstanding
1.00B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Sangramjit Sarangi President & Chief Financial Officer 41M male
Amit Jhingran MD, Chief Executive Officer & Director 20M male
Girish Mahesh Manik Company Secretary & Compliance Officer 5M male
Gopikrishna Shenoy Chief Investment Officer — male
Prithesh Chaubey President & Appointed Actuary — male
Ravindra Sharma Executive Vice President and Chief of Brand, Corporate Communications & CSR — male
Smita Verma Senior Vice President — —
Subhendu Kumar Bal President & Chief Risk Officer — male
Abhijit Gulanikar President of Operations & Information Technology — male
Subodh Kumar Jha EVice President and Chief of Human Resources & Management Services — male
Anand President & Chief Distribution Officer — male
G. Durgadas President of Operations & IT — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

Related companies

Largest companies in Insurance - Life