SBI Life Insurance Company Ltd Stock Analysis

BSE: 540719 | NSE: SBILIFE | Insurance | Large Cap

BSE Share Price 23-Sep-2022 18:01
1272.85 -12.45 (-0.97%)

DeciZen - Make an Informed Decision on SBI Life Insuran

Overall Rating

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

SBI Life Insuran Price Chart

P/E Ratio (SA) :
82.41
Market Cap :
1,27,375.8 Cr.
52-wk low :
1,003.6
52-wk high :
1,339.6
Bole Toh?

1. Is SBI Life Insurance Company Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that SBI Life Insurance Company Ltd is a good quality company.

2. Is SBI Life Insurance Company Ltd undervalued or overvalued?

The key valuation ratios of SBI Life Insurance Company Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is SBI Life Insurance Company Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of SBI Life Insurance Company Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

10 Year X-Ray of SBI Life Insuran:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
SBI Life Insurance Company Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good

Value Creation

Value Creation Index Colour Code Guide

Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
ROCE % 0%0%0%0%0%0%0%0%0%0%-
Value Creation Index NANANANANANANANANANA-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 00000000000
YoY Gr. Rt. %-NANANANANANANANANA-
Adj EPS 6.27.48.28.69.611.513.314.214.615.115.5
YoY Gr. Rt. %-19%10.8%5%10.9%20.4%15.4%7.2%2.4%3.4%-
BVPS (₹) 26.833.139.746.954.763.774.688.8100.9114.1117.5
Adj Net Profit 6227408208619551,1501,3271,4221,4561,5061,546
Cash Flow from Ops. 1,1301682,7155,7788,52510,39513,47319,29923,87821,852-
Debt/CF from Ops. 0000000000-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales NANANANA
Adj EPS 10.3%9.5%4.3%3.4%
BVPS 17.515.915.213.1
Share Price - - 16.9% 4.2%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Return on Equity % 0000000000-
Op. Profit Mgn % 0000000000-
Net Profit Mgn % 0000000000-
Debt to Equity 0000000000-
Working Cap Days 00000000000
Cash Conv. Cycle 000000000037

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.30%

Sales growth is good in last 4 quarters at 22.45%

Sales growth has been subdued in last 3 years 0.00%

Net Profit has been subdued in last 3 years 4.29%

Latest Financials - SBI Life Insurance Company Ltd.

Standalone Consolidated
TTM EPS (₹) 15.5 -
TTM Sales (₹ Cr.) 61,156 -
BVPS (₹.) 117.5 -
Reserves (₹ Cr.) 10,759 -
P/BV 10.83 -
PE 82.41 -
From the Market
52 Week Low / High (₹) 1003.60 / 1339.55
All Time Low / High (₹) 487.00 / 1339.55
Market Cap (₹ Cr.) 1,27,376
Equity (₹ Cr.) 1,000.7
Face Value (₹) 10
Industry PE 55.9

Management X-Ray of SBI Life Insuran :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of SBI Life Insuran

Adj EPS (Rs.)
Sales (Cr.)
ROE (%)
ROCE (%)

News

About SBI Life Insurance Company Ltd

SBI Life Insurance Company Limited (SBI Life), incorporated in the year 2000, established as joint venture between State Bank of India and BNP Paribas Cardif S.A. and is one of the leading life Insurance companies in India. SBI Life has a multi-channel distribution network comprising of an expansive Bancassurance channel with SBI, which has an unrivalled strength of many branches across the country. SBI Life also has a large and productive agent network. The Company’s other distribution channels include direct sales and sales through corporate agents, brokers, insurance marketing firms and other intermediaries. The Company is listed on National Stock Exchange (NSE) and The Bombay Stock Exchange (BSE).

Business area of the company

SBI Life offers a comprehensive range of life insurance and pension products at competitive prices, ensuring high standards of customer service and world class operating efficiency. The Company offers individual and group products which include savings and protection plans to address the insurance needs of diverse customer segments.

Products

SBI Life has a wide range of products catering to various customer needs in the life, health, pension & micro-insurance segments. These products are customer centric, simple to understand and have competitive features. The products include Individual Life Insurance Plans and Group Insurance Plans.

Awards

  • 2016: Outlook Money Awards 2016
  • 2016: CLO Chief Learning Officer Summit India - 2016
  • 2016: LIMRA and LOMA Social Media Silver Bowl Awards 2016
  • 2016: CLO Chief Learning Officer Summit India - 2016
  • 2016: Life Insurance Company of the Year
  • 2016: Bancassurance Leader Life Insurance
  • 2017: Skoch Resilient India awards 2017
  • 2017: DSCI Excellence Awards 2017
  • 2017: CTO Leadership Award 2017
  • 2017: Digital Innovation Award 2017
  • 2017: TISS Leapvault CLO Awards 2017
  • 2017: Fintelekt Insurance Awards 2017 -Data Analytics Initiative of the Year (Overall Award Across Life, General, Health)
  • 2017: Fintelekt Insurance Awards 2017 -Bancassurance Leader, Life Insurance (Large Companies Category)
  • 2017: Fintelekt Insurance Awards 2017 - Private Sector Life Insurance Company of the Year (Large Category)
  • 2017: Brand of the Year 2016-17
  • 2018: TISS Leapvault CLO Awards 2018
  • 2018: 30th Qualtech Prize 2018
  • 2018: Risk & Insurance Management Society (RIMS), USA 2018
  • 2018: Golden Peacock Award for Risk Management 2018
  • 2019: Indian Television BrandVid Awards 2019
  • 2019: Foxglove Awards 2019
  • 2019: ICC Emerging Asia Insurance Conclave & Awards 2019
  • 2019: SMART Award-Life Insurance in Large Category
  • 2019: Gold Shield from ICAI for FY 2018-19
  • 2020: India's Leading Life Insurance Company - Private
  • 2020: Financial Services Company of the Year
  • 2020: Life Insurance Provider of the Year

Milestones

  • 2000: Startup Information (Important Events of Financial Year 2000-01)
  • 2000: SBI Life Insurance Co. Ltd. incorporated under Companies Act,1956 on October 11, 2000 Joint Venture agreement signed with BNP Cardif on February 27, 2001.
  • 2001: Actual Commencement of Business
  • 2002: Launch of Bancassurance Channel
  • 2004: Launch of Unit Linked Product
  • 2005: First new generation Private Life Insurance Company to make profit for the year at Rs 2.03 crore
  • 2007: Wipes of entire accumulated loss, GWP (Gross Written Premium) benchmark of Rs 5000 crore achieved
  • 2009: GWP (Gross Written Premium) crosses Rs 10,000 crore benchmark
  • 2010: Number of branches exceeded 500 branches
  • 2011: Profits cross Rs 500 crore
  • 2012: Assets under Management cross Rs 50,000 crore
  • 2014: Declaration of higher Dividend
  • 2015: GWP (Gross Written Premium) crosses milestone of 15,000 crore - Rs 15825 crore
  • 2016: Renewal Premium Collection crosses milestone of Rs 10,000 crore - Rs 10,871 crore
  • 2017: Assets under Management cross Rs 1,00,000 crore
  • 2018: SBI Life got listed on BSE and NSE
  • 2018: Total Asset under Management (AuMs) of the Company crossed Rs 1 trillion
  • 2018: The Company clocked in profit after tax of Rs 10 billion
  • 2019: The Company crossed the Rs 300 billion revenue mark in Gross Written Premium
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