āagman

Not investment advice. Data and computed figures, for information only.

SBI Life Insurance Company Ltd

NSE: SBILIFEF&O
₹1,661.80
+₹11.80 (+0.72%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹1,69,034 Cr
CMP
₹1,661.80
52-wk High / Low
₹2,132 / 1,635
P/E
65.0
P/B
8.4
Book Value
₹201.0
Div Yield
0.16%
ROCE
15.0%
ROE
13.7%
Face Value
₹10
D/E
0.00

Price−8.2% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹334
√(22.5 × EPS × book value per share)
ROIC
3.6%
vs 10.0% sector median
Cash flow to profit
13.98
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Margin change
−7
bps OPM YoY
Operating margin vs the same quarter last year
Sustainable growth
12.3%
ROE × earnings retention ratio
ROE stability
0.5
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −0.01FII −0.56DII +0.54
Latest quarter vs the previous one
Cash-accrual divergence
−6.7%
of assets
Low = accruals track cash flow
Strengths
+ROCE has stayed above the sector median for 5 consecutive years (weakest: 15% vs the 2024 sector median of 14.5%)
+Annualised volatility of 21.3% is in the low band (≤25%)
Watch-outs
−Price trades below its 200-day moving average (0.9x)
−Promoter holding fell by 0.1pp over the last year
−Piotroski F-Score of 3/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales27,89528,80539,03336,25534,65440,30218,86223,07138,99623,11546,1334,07146,337
Expenses27,47128,39238,68137,04334,06039,69618,26623,52038,33322,60045,5175,11745,579
Operating Profit424413352−788594606596−449664516615−1,046757
OPM %1.5%1.4%0.9%−2.2%1.7%1.5%3.2%−1.9%1.7%2.2%1.3%−25.7%1.6%
Other Income912181,6393−4−31,350−816271,91336
Interest0000000000000
Depreciation0000000000000
Profit before tax433424370851597601594901656532642867793
Net Profit381380322811520529551814594495577805725
EPS (₹)3.813.803.218.105.195.285.508.125.934.935.758.027.23

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales23,29919,32430,54834,06844,60443,79881,91382,98380,6361,31,9881,16,8881,12,3151,19,656
Expenses22,50518,40429,47932,73643,13042,44781,04082,25478,7131,29,8841,15,4691,11,4511,18,813
Operating Profit7949201,0681,3321,4741,3518727301,9232,1041,420864843
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 Income1831291391562665298671,03251501,3571,9481,991
Interest4556800000000
Depreciation34374859928999756876841150
Profit before tax9391,0071,1541,4221,6421,7901,6401,6871,9062,0782,6932,6972,834
Net Profit8158449551,1501,3271,4221,4561,5061,7211,8942,4132,4702,601
EPS (₹)8.158.449.5511.5013.2714.2214.5615.0517.1918.9124.0824.6325.93

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital1,0001,0001,0001,0001,0001,0001,0001,0001,0011,0011,0021,003—
Reserves3,0563,7334,5525,5286,5767,7439,40010,62212,01713,90715,98318,083—
Borrowings000000000000—
Other Liabilities70,06478,69696,6871,15,1931,39,1571,56,8372,16,4302,61,7153,01,5823,83,3694,40,1104,80,960—
Total Liabilities74,12183,4291,02,2401,21,7201,46,7341,65,5802,26,8302,73,3373,14,5993,98,2774,57,0955,00,046—
Fixed Assets292301507511563568564919520551580647—
CWIP71463170321313161041—
Investments69,38577,84395,8301,14,4361,39,3251,58,8132,18,7562,64,4373,04,3343,85,5904,47,4674,86,367—
Other Assets4,4375,1395,8716,7036,8146,1867,5097,9789,74312,1309,03812,991—
Total Assets74,12183,4291,02,2401,21,7201,46,7341,65,5802,26,8302,73,3373,14,5993,98,2774,57,0955,00,046—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity2,7115,7788,52510,39513,47319,29923,87821,85228,65629,12225,54734,523
Cash from Investing Activity−178−7,204−9,032−8,910−13,552−16,986−19,203−21,611−30,203−31,221−21,789−35,318
Cash from Financing Activity−117−144−144−221−241−1983−231−415−227−215−179
Net Cash Flow2,416−1,570−6511,264−3212,1144,67710−1,962−2,3273,543−974

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %25.023.023.024.022.022.017.015.015.015.017.015.0
ROE %———————————13.7
EPS (₹)8.158.449.5511.5013.2714.2214.5615.0517.1918.9124.0824.63
Book Value (₹)———————————201.0
Face Value (₹)———————————10
P/E———————————65.0
Div Yield %———————————0.16
NPM %3.54.33.13.43.03.21.81.82.11.42.02.2
OPM %3.44.83.53.93.33.11.10.92.41.61.20.8
D/E0.000.000.000.000.000.000.000.000.000.000.000.00
P/B———————————8.4

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+19.0%
5 years+7.0%
3 years+12.0%
TTM−1.0%
Compounded profit growth
10 years+11.0%
5 years+11.0%
3 years+13.0%
TTM+5.0%
Stock price CAGR
5 years+7.0%
3 years+9.0%
Last year−7.0%
Return on equity
10 years15.0%
5 years14.0%
3 years14.0%
Last year14.0%

Shareholding pattern

As of 31 Dec 2025
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters84.10%84.10%69.80%62.80%55.70%55.48%55.45%55.42%55.38%55.33%55.32%
FIIs4.44%4.44%14.06%25.87%30.51%24.15%25.14%25.16%21.88%21.51%20.95%
DIIs4.41%4.41%4.36%5.74%6.94%12.46%15.09%15.40%18.67%19.13%19.67%
Government———————————
Public7.05%7.05%11.78%5.59%6.85%7.91%4.34%4.01%4.06%4.02%4.06%
No. of shareholders3,88,6133,88,6133,25,5603,21,0954,01,4754,08,0813,74,6743,35,1143,63,5053,54,6623,57,321
Change since Jun 2023 (pp)
Promoters −28.78FIIs +16.51DIIs +15.26Public −2.99

Documents

As of 11 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSClosure of Trading WindowIntimation Under Regulation 30 Read With Para A Of Part A Of Schedule III Of The SEBI (LODR) Regulations, 2015Announcement under Regulation 30 (LODR)-Change in DirectorateBoard Meeting Outcome for Outcome Of The Board Meeting Of The Company Held On September 22, 2026
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingApr 2026TranscriptApr 2026PPTApr 2026RecordingApr 2026PPTFeb 2026TranscriptFeb 2026PPTOct 2025TranscriptOct 2025PPTOct 2025Recording

Corporate actions

As of 6 Mar 2026
6 Mar 2026DIVIDENDInterim Dividend - Rs 2.70 Per Share—
7 Mar 2025DIVIDENDInterim Dividend - Rs 2.70 Per Share—
15 Mar 2024DIVIDENDInterim Dividend - Rs 2.70 Per Share—
16 Mar 2023DIVIDENDInterim Dividend - Rs 2.50 Per Share—
29 Mar 2022DIVIDENDInterim Dividend - Rs 2 Per Share—
5 Apr 2021DIVIDEND Interim Dividend - Rs 2.5 Per Share—
3 Apr 2019DIVIDEND Interim Dividend - Rs 2 Per Share—
3 Apr 2018DIVIDEND Interim Dividend - Rs 2 Per Share (Purpose Revised)—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman