SBILIFE
SBI Life Insurance Company Limited (SBILIFE) Stock Analysis
SBI Life Insurance Company Limited is one of India's largest life insurers and a joint venture between State Bank of India and Sumitomo Life. It sells individual and group life, pension, and unit-linked products through bancassurance and agency channels. The company benefits from SBI's vast branch network for distribution. It is listed on Indian stock exchanges.
Financial Services › Insurance - Life
₹1,656.80
-1.65% 1W | -9.50% 52W
Market Cap
166.2k CR
P/E Ratio
63.9
52W High
₹2132
52W Low
₹1634.5
Div. Yield
0.16%
Beta
0.4
50 DMA
₹1741.1
200 DMA
₹1856.8
Profit Margin
2.1%
Inst. Own.
31%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 27,895 | 28,805 | 39,033 | 36,255 | 34,654 | 40,302 | 18,862 | 23,071 | 38,996 | 23,115 | 46,133 | 4,071 | 46,337 |
| Expenses | 27,471 | 28,392 | 38,681 | 37,043 | 34,060 | 39,696 | 18,266 | 23,520 | 38,333 | 22,600 | 45,517 | 5,117 | 45,579 |
| Operating Profit | 424 | 413 | 352 | -788 | 594 | 606 | 596 | -449 | 664 | 516 | 615 | -1,046 | 757 |
| OPM % | 1.5% | 1.4% | 0.9% | -2.2% | 1.7% | 1.5% | 3.2% | -1.9% | 1.7% | 2.2% | 1.3% | -26% | 1.6% |
| Other Income | 9 | 12 | 18 | 1,639 | 3 | -4 | -3 | 1,350 | -8 | 16 | 27 | 1,913 | 36 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 433 | 424 | 370 | 851 | 597 | 601 | 594 | 901 | 656 | 532 | 642 | 867 | 793 |
| Tax % | 12% | 10% | 13% | 5% | 13% | 12% | 7% | 10% | 9% | 7% | 10% | 7% | 9% |
| Net Profit | 381 | 380 | 322 | 811 | 520 | 529 | 551 | 814 | 594 | 495 | 577 | 805 | 725 |
| EPS in Rs | 3.81 | 3.80 | 3.21 | 8.10 | 5.19 | 5.28 | 5.50 | 8.12 | 5.93 | 4.93 | 5.75 | 8.02 | 7.23 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 23,299 | 19,324 | 30,548 | 34,068 | 44,604 | 43,798 | 81,913 | 82,983 | 80,636 | 131,988 | 116,888 | 112,315 | 119,656 |
| Expenses | 22,505 | 18,404 | 29,479 | 32,736 | 43,130 | 42,447 | 81,040 | 82,254 | 78,713 | 129,884 | 115,469 | 111,451 | 118,813 |
| Operating Profit | 794 | 920 | 1,068 | 1,332 | 1,474 | 1,351 | 872 | 730 | 1,923 | 2,104 | 1,420 | 864 | 843 |
| OPM % | 3.4% | 4.8% | 3.5% | 3.9% | 3.3% | 3.1% | 1.1% | 0.9% | 2.4% | 1.6% | 1.2% | 0.8% | 0.7% |
| Other Income | 183 | 129 | 139 | 156 | 266 | 529 | 867 | 1,032 | 51 | 50 | 1,357 | 1,948 | 1,991 |
| Interest | 4 | 5 | 5 | 6 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 34 | 37 | 48 | 59 | 92 | 89 | 99 | 75 | 68 | 76 | 84 | 115 | 0 |
| Profit before tax | 939 | 1,007 | 1,154 | 1,422 | 1,642 | 1,790 | 1,640 | 1,687 | 1,906 | 2,078 | 2,693 | 2,697 | 2,834 |
| Tax % | 13% | 16% | 17% | 19% | 19% | 21% | 11% | 11% | 10% | 9% | 10% | 8% | |
| Net Profit | 815 | 844 | 955 | 1,150 | 1,327 | 1,422 | 1,456 | 1,506 | 1,721 | 1,894 | 2,413 | 2,470 | 2,601 |
| EPS in Rs | 8.15 | 8.44 | 9.55 | 11.50 | 13.27 | 14.22 | 14.56 | 15.05 | 17.19 | 18.91 | 24.08 | 24.63 | 25.93 |
| Dividend Payout % | 15% | 14% | 16% | 17% | 15% | 0% | 17% | 13% | 15% | 14% | 11% | 11% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 12.0% | 7.0% | 19.0% |
| Profit CAGR | 13.0% | 11.0% | 11.0% |
Shareholding Pattern
Promoters55.36%
FIIs21.85%
DIIs18.70%
Public4.09%
Promoters55.34%
FIIs21.88%
DIIs18.72%
Public4.05%
Promoters55.33%
FIIs21.51%
DIIs19.13%
Public4.02%
Promoters55.32%
FIIs20.95%
DIIs19.67%
Public4.06%
Promoters55.31%
FIIs20.68%
DIIs20.05%
Public3.94%
Promoters55.45%
FIIs25.14%
DIIs15.09%
Public4.34%
Promoters55.42%
FIIs25.16%
DIIs15.40%
Public4.01%
Promoters55.38%
FIIs21.88%
DIIs18.67%
Public4.06%
Promoters55.33%
FIIs21.51%
DIIs19.13%
Public4.02%
Promoters55.31%
FIIs20.68%
DIIs20.05%
Public3.94%
SBILIFE
Holdings Analysis
Key strengths & risk signals
53
Overall
55
Fundamental
51
Technical
Risks (4)
OVERVALUED! PEG of 4.99 means expensive relative to growth rate.
WEAK POSITION! Current price (1656.8) is below both moving averages.
WEAK! Trading at 4.5% of 52W range - near yearly lows.
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.6% (1 week), 2.4% (1 month), 9.4% (3 months).
Strengths (4)
MODERATE STABILITY! 2 revenue dips in history. Acceptable but monitor closely.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 38.8 - watch for reversal.
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 1,309,702 vs down days: 1,306,323. Ratio: 1.0x
Fundamental & Technical Analysis
53Overall
55Fundamental
51Technical
Fundamental Breakdown
Growth Quality
22/30
Revenue CAGR: 11.1% (GOOD, 11/15). Profit CAGR: 12.8% (GOOD, 11/15).
Profit Margin
2/10
LOW MARGIN! 2.1% profit margin - thin profits.
PEG Valuation
0/10
OVERVALUED! PEG of 4.99 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.16% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 25.91 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 4.19% public ownership - strong promoter/institutional control.
Stability Index
6/10
MODERATE STABILITY! 2 revenue dips in history. Acceptable but monitor closely.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (1741.1) is below 200-day average (1856.8) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (1656.8) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
3/10
WEAK YEAR! Stock declined 9.5% in the last year.
Volume Sentiment
20/30
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 1,309,702 vs down days: 1,306,323. Ratio: 1.0x
RSI
4/5
APPROACHING OVERSOLD! RSI at 38.8 - watch for reversal.
52W Range
1/5
WEAK! Trading at 4.5% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.6% (1 week), 2.4% (1 month), 9.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
SBILIFE
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-30 | Concall PDF | |
| Q3FY262026-02-03 | Concall PDF | |
| Q1FY262025-10-31 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Life · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBILIFE | ₹1,656.80 | 63.9 | 2.1% | 11.1% | 12.8% | -9.5% | 53 | APPROACHING RESISTANCE | +22.0% | -9.9% | +18.8% | +1,031.9% |
| HDFCLIFE | ₹553.00 | 58.4 | 1.9% | 9.3% | 11.8% | -25.9% | 52 | APPROACHING RESISTANCE | +11.5% | +22.9% | +14.4% | +70.2% |
| ICICIPRULI | ₹445.00 | 36.7 | 2.7% | 8.5% | 25.5% | -24.6% | 56 | CONSOLIDATING DOWN | +27.8% | -38.1% | +12.3% | +810.8% |
| MFSL | ₹1,294.90 | 409.8 | 0.2% | 15.0% | -39.5% | -17.0% | 51 | BREAKDOWN | +37.4% | -462.1% | +16.8% | +38.6% |
| STARHEALTH | ₹548.90 | 38.3 | 3.6% | 14.0% | -3.4% | +9.9% | 65 | APPROACHING RESISTANCE | +25.4% | +393.9% | +12.6% | +13.7% |
| LICI | ₹397.80 | 8.4 | 6.5% | 7.3% | 16.9% | -11.0% | 64 | APPROACHING RESISTANCE | +24.0% | -42.1% | +6.6% | -13.3% |
| NIVABUPA | ₹76.00 | 39 | 4.8% | 36.4% | 118.5% | +0.1% | 69 | APPROACHING RESISTANCE | +93.0% | -60.1% | +27.9% | +15.6% |
| CANHLIFE | ₹130.40 | 92.5 | 1.1% | 5.0% | 6.0% | +21.5% | 53 | BREAKDOWN | – | +53.0% | – | -41.3% |
Data from TradeAlone · Updated daily
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