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    Insurance - Life
SBI Life Insurance Company Limited

SBI Life Insurance Company Limited

SBILIFE.BO
SBI Life Insurance Company LimitedIN flagBombay Stock Exchange
1,831.70
INR
+45.05
- -
1.84TMarket Cap
SBI Life Insurance Company Limited
SBILIFE.BO
(Bombay Stock Exchange)

Recent

price

1,831.70

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
145.41
170.2
229.97
189.53
304.11
339.61
445.27
437.38
821.18
828.94
805.87
1,307.82
1,167.12
1,120.05
1,210.63
Revenue per Share
6.3
7.28
8.15
8.44
9.55
11.5
13.27
14.22
14.56
15.06
17.19
18.92
24.09
24.64
24.84
Basic EPS, GAAP
-0.15
-0.52
-0.25
-1.81
-1.48
-1.07
-1.42
-0.81
-1.05
-0.56
-0.63
-1.14
-1.06
-1.85
- -
Free Cash Flow per Basic Share
0.5
0.5
1
1.2
1.2
1.5
2
2
- -
2.5
4.5
2.7
2.7
2.7
- -
Dividend per Share
27.09
33.2
39.91
46.91
54.65
63.74
74.6
88.82
100.88
113.92
128.57
144.73
166.03
10.01
10.01
Book Value per Share
27.32
33.32
40.4
47.24
55.29
65.04
75.35
87.05
103.8
116.08
129.96
148.82
169.4
190.37
178.1
Tangible Book Value per Share
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,001
1,001
1,002
1,003
1,002
Basic Weighted Avg Shares
145,412
170,198
229,970
189,534
304,107
339,610
445,274
437,385
821,217
829,112
806,390
1,309,256
1,169,199
1,122,911
1,212,584
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
246
345
340
371
476
593
917
893
994
749
678
762
838
- -
- -
Depreciation Expense
6,301
7,278
8,149
8,441
9,547
11,504
13,268
14,222
14,558
15,060
17,206
18,938
24,133
24,703
24,881
Net Income, GAAP
- -
- -
1.74
1.29
2.04
2.88
3.36
- -
5.61
3.51
2.15
2.49
3.26
2.64
3.19
Effective Tax Rate (%)
4.33
4.28
3.54
4.45
3.14
3.39
2.98
3.25
1.77
1.82
2.13
1.45
2.06
2.2
2.05
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
27,364
33,563
40,563
47,331
55,521
65,278
75,764
87,431
104,004
116,223
130,175
149,086
169,854
190,860
178,383
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
24.3
22.41
19.56
18.9
19.53
19.29
- -
15.56
14.22
14.38
13.91
15.58
28.01
248.32
Return on Capital (%)
- -
24.14
22.29
19.45
18.8
19.43
19.18
17.4
15.35
14.02
14.18
13.85
15.51
28.01
248.32
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,002
1,002
1,002
Market Capitalization
1,392,023
1,550,042
1,841,066

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
41,527
19,563
24,400
Accounts Receivable, Net
- -
7,880
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
14.99%
12.92%
12.37%
Free Cash Flow
8.74%
22.94%
74.22%
Net Income, GAAP
11.6%
11.51%
2.36%
Sales/Revenue/Turnover
23.51%
9.18%
-3.96%
Total Cash Common Dividend
- -
13.06%
0.07%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
278,944
287,927
390,656
362,654
1,309,256
2025
346,744
403,228
188,604
230,624
1,169,199
2026
390,129
461,102
40,949
- -
1,122,911

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.81
3.8
3.21
- -
18.92
2025
5.19
5.29
5.5
8.12
24.09
2026
5.93
5.75
8.02
- -
24.64

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.7
2025
- -
- -
- -
- -
2.7
2026
- -
- -
- -
- -
2.7
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Business
SBI Life Insurance Company Limited SBI Life Insurance Company Limited (SBILIFE.BO) operates as a leading life insurer in India, offering a comprehensive portfolio of individual and group life insurance products through bancassurance, agency, and digital channels; it provides protection plans including term insurance with level, increasing cover, and future-proofing options, as well as savings plans encompassing endowment, money-back, and unit-linked insurance policies (ULIPs); child plans for education and future security; wealth creation plans with market-linked returns; retirement solutions such as annuities and pension products like SBI Life Retire Smart; group offerings for superannuation, gratuity, and loan protection; and health-focused riders covering critical illnesses and accidents. Established in 2000 as a joint venture between State Bank of India and BNP Paribas Cardif, the company maintains headquarters in Mumbai and serves customers across India through over 1,100 branches and a network exceeding 27,000 employees, targeting retail individuals, families, corporations, and underserved rural markets. In recent developments, SBI Life Insurance Company Limited acquired the life insurance business of Sahara India Life in June 2023, bolstering its market position; formed a strategic corporate agency partnership with AU Small Finance Bank in August 2025 to distribute its full suite of products across over 2,500 banking touchpoints in 21 states and 4 union territories, aligning with India's 'Insurance for All by 2047' initiative; and launched the flexible Saral Jeevan Bima term plan in 2025 featuring three cover options, optional spousal benefits, and accident riders to address rising demand for scalable protection. The company reported new business premium of ₹18,349 crore for the September 2025 quarter, reflecting robust growth amid a strategic shift toward higher-margin protection and traditional products, with Value of New Business margins expanding to 27.4% in Q1 FY26 through reduced ULIP reliance.