SBI Life Insurance Company Ltd’s fundamental analysis highlights key financial metrics including market capitalization of ₹172,491.57 crore, PE ratio of 91.08, and return on equity of 13.97%. These figures reflect the company’s financial health and current market valuation.
Content:
- SBI Life Insurance Company Ltd Overview
- SBI Life Insurance Company Ltd Financial Results
- SBI Life Insurance Company Financial Analysis
- SBI Life Insurance Company Ltd Company Metrics
- SBI Life Insurance Company Stock Performance
- SBI Life Insurance Company Ltd Peer Comparison
- SBI Life Insurance Company Shareholding Pattern
- SBI Life Insurance Company History
- How To Invest In SBI Life Insurance Company Ltd Share?
- SBI Life Insurance Company Fundamental Analysis – FAQs
SBI Life Insurance Company Ltd Overview
SBI Life Insurance Company Ltd is one of India’s leading life insurance providers. It operates in the financial services sector, offering a wide range of life insurance products and services to individuals and corporate clients.
The company has a market capitalization of ₹172,491.57 crore and is listed on both the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). Currently, the stock is trading 4% below its 52-week high and 36.21% above its 52-week low.
SBI Life Insurance Company Ltd Financial Results
SBI Life Insurance Company Ltd has seen its sales fluctuate over the past three years, with a notable increase in FY 24 to ₹1,31,988 crore from ₹80,636 crore in FY 23 and ₹82,983 crore in FY 22. The Net Profit for FY 24 is ₹1,894 crores
1. Revenue Trend: Sales rose significantly from ₹80,636 crore in FY 23 to ₹1,31,988 crore in FY 24 after a slight dip from ₹82,983 crore in FY 22.
2. Equity and Liabilities: Equity amounts to ₹10,529 crores, while liabilities total ₹1,45,690 crores, indicating the company’s financial structure.
3. Profitability: Operating Profit Margin (OPM) improved marginally to 1% in FY 24 from 0% in FY 23 and 2% in FY 22.
4. Earnings per Share (EPS): EPS increased to ₹18.92 in FY 24 from ₹17.19 in FY 23 and ₹15.06 in FY 22, indicating growing profitability.
5. Financial Position: The company’s financial position strengthened with EBITDA increasing from ₹2,590 crore in FY 22 to ₹2,357 crore in FY 24, showcasing robust financial health and effective management.
SBI Life Insurance Company Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Sales | 1,31,988 | 80,636 | 82,983 |
| Expenses | 1,31,308 | 80,261 | 81,425 |
| Operating Profit | 679 | 375 | 1,558 |
| OPM % | 1 | 0 | 2 |
| Other Income | 1,678 | 1,758 | 1,032 |
| EBITDA | 2,357 | 2,133 | 2,590 |
| Interest | 9 | 10 | 10 |
| Depreciation | 76 | 68 | 0 |
| Profit Before Tax | 2,272 | 2,055 | 2,580 |
| Tax % | 8 | 9 | 36 |
| Net Profit | 1,894 | 1,721 | 1,506 |
| EPS | 18.92 | 17.19 | 15.06 |
| Dividend Payout % | 14.27 | 14.54 | 13.28 |
* Consolidated Figures in Rs. Crores
SBI Life Insurance Company Ltd Company Metrics
SBI Life Insurance Company’s market cap is ₹172,491.57 crore with a book value of 155 per share. The face value per share is ₹10, ROE is 13.97%, and quarterly EBITDA is ₹596.97 crore. The dividend yield stands at 0.16%.
Market Capitalization:
Market Capitalization represents the total market value of SBI Life Insurance Company’s outstanding shares, amounting to ₹172,491.57 crore.
Book Value:
The book value per share of SBI Life Insurance Company is ₹155 indicating the value of the company’s net assets divided by its shares outstanding.
Face Value:
The face value of SBI Life Insurance Company’s shares is ₹10, which is the nominal value of each share as stated on the share certificate.
Asset Turnover Ratio:
The Asset Turnover Ratio of 0.45 measures how efficiently SBI Life Insurance Company uses its assets to generate sales revenue or sales income.
Return on Equity (ROE):
The ROE of 13.97% measures SBI Life Insurance Company’s profitability by revealing how much profit the company generates with the money shareholders have invested.
EBITDA (Q):
The quarterly EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) of SBI Life Insurance Company is ₹596.97 crore, indicating the company’s operating performance.
Dividend Yield:
The dividend yield of 0.16% shows the annual dividend payment as a percentage of SBI Life Insurance Company’s current share price, indicating the return on investment from dividends alone.
SBI Life Insurance Company Stock Performance
SBI Life Insurance Company Ltd demonstrated returns of 31.5% in one year, 14.8% over three years, and 16.3% over five years, highlighting its strong growth potential and consistent performance across various timeframes.
| Period | Return on Investment (%) |
| 1 Year | 31.5 |
| 3 Years | 14.8 |
| 5 Years | 16.3 |
Example: If an investor had invested ₹1,000 in SBI Life Insurance Company’s stock:
1 year ago: An investment of ₹1,000 would now be worth ₹1,315.
3 years ago: That investment would have grown to approximately ₹1,448.
5 years ago: The initial ₹1,000 would have increased to around ₹1,163.
SBI Life Insurance Company Ltd Peer Comparison
SBI Life Insurance Company Ltd, with a market cap of ₹1,71,891 crore and a P/E ratio of 91.08, showcases a solid performance with a 32% one-year return and 13% ROCE. Despite a lower dividend yield of 0.16%, its ROE at 13.97% and EPS of ₹18.92 indicate robust profitability compared to peers in the insurance sector.
| Name | CMP Rs. | Mar Cap Rs.Cr. | P/E | ROE % | EPS 12M Rs. | 1Yr return % | ROCE % | Div Yld % |
| Life Insurance | 1,097 | 6,94,137 | 17 | 63 | 66 | 72 | 73 | 0.93 |
| SBI Life Insurance | 1,716 | 1,71,891 | 85 | 12 | 20 | 32 | 13 | 0.16 |
| HDFC Life Insur. | 704 | 1,51,440 | 93 | 11 | 8 | 11 | 6.61 | 0.28 |
| ICICI Pru Life | 736 | 1,06,105 | 122 | 8 | 6 | 32.01 | 8.75 | 0.08 |
| ICICI Lombard | 1,966 | 97,011 | 46 | 17 | 43 | 43 | 23 | 0.31 |
| General Insurance | 398 | 69,781 | 10 | 13 | 41 | 93 | 15.78 | 1.81 |
| New India Assura | 249 | 40,986 | 37 | 4 | 7 | 100 | 5.2 | 0.80 |
SBI Life Insurance Company Shareholding Pattern
SBI Life Insurance Company Ltd’s shareholding structure shows a steady majority hold by promoters at around 55% throughout the period from December 2023 to June 2024. FII ownership has slightly decreased, while DII investments have grown, indicating increasing domestic institutional confidence. Retail participation remains stable at just under 4%.
| All values in % | Jun-24 | Mar-24 | 45,261 |
| Promoters | 55.42 | 55.42 | 55.43 |
| FII | 24.71 | 25.16 | 25.92 |
| DII | 15.88 | 15.40 | 14.63 |
| Retail & others | 3.98 | 4.01 | 4.01 |
SBI Life Insurance Company History
SBI Life Insurance Company Limited is a prominent player in India’s life insurance sector. The company operates through three main segments: Participating, Non-Participating, and Linked segments, offering a comprehensive range of insurance products catering to various customer needs.
The Participating segment of SBI Life Insurance includes products like Individual Life, Individual Pension, Group Pension, and Variable Insurance. These products typically offer policyholders a share in the company’s profits. The Non-Participating segment covers Individual Life, Individual Pension, Group Savings, and other specialized products like Annuity and Health insurance.
SBI Life Insurance has developed a diverse portfolio of products to address different market segments. For corporate clients, the company offers retirement solutions such as SBI Life-Kalyan ULIP Plus and SBI Life-Pradhan Mantri Jeevan Jyoti Bima Yojana. The company also caters to rural markets with its Group Micro Insurance Plans like SBI Life-Grameen Super Suraksha, demonstrating its commitment to financial inclusion.
How To Invest In SBI Life Insurance Company Ltd Share?
To invest in SBI Life Insurance Company Ltd shares, begin by opening a demat account with Alice Blue. Complete the necessary KYC process and fund your account with the desired investment amount.
Research the company’s fundamentals, financial performance, and market trends before making an investment decision. Use the trading platform provided by the broker to place a buy order for SBI Life Insurance Company shares at your preferred price.
Monitor your investment regularly and stay informed about company news and market developments. Consider setting up a systematic investment plan (SIP) for long-term investing in the stock if it aligns with your financial goals.
SBI Life Insurance Company Fundamental Analysis – FAQs
Fundamental analysis of SBI Life Insurance Company examines key financial metrics: Market Cap (₹172,491.57 crores), PE Ratio (91.08), and Return on Equity (13.97%). These indicators provide insights into the company’s financial health, market valuation, and overall performance in the insurance sector.
The market capitalization of SBI Life Insurance Company Ltd is ₹172,491.57 crore. This figure represents the total value of the company’s outstanding shares in the stock market, calculated by multiplying the current share price by the total number of shares outstanding.
SBI Life Insurance Company Limited is one of India’s leading life insurance providers. It offers a wide range of life insurance products and services across various segments including Participating, Non-Participating, and Linked policies, catering to both individual and corporate clients.
SBI Life Insurance Company is a joint venture between the State Bank of India (SBI) and BNP Paribas Cardif. While SBI holds a majority stake, it is a public limited company listed on stock exchanges with multiple shareholders including institutional investors and public shareholders.
The main shareholders of SBI Life Insurance Company typically include the State Bank of India (SBI) as the majority stakeholder, BNP Paribas Cardif, along with institutional investors (both domestic and foreign), mutual funds, and public shareholders. For the most current shareholding information, refer to the latest pattern disclosed by the company.
SBI Life Insurance Company operates in the insurance industry, specifically in the life insurance sector. It provides a range of life insurance products and services, including traditional life insurance, unit-linked insurance plans, and various savings and protection plans.
To invest in SBI Life Insurance Company shares, open a demat account with Alice Blue. Complete the KYC process and fund your account. Research the company thoroughly, then use the trading platform to place a buy order for the desired number of shares at your preferred price.
Determining if SBI Life Insurance Company is overvalued or undervalued requires a comprehensive analysis of its financials, growth prospects, industry trends, and market conditions. Investors should consider metrics like the P/E ratio, and PEG ratio, and compare them with industry peers and historical values for a balanced assessment.
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