SBI Life Insurance Company Ltd - Stock Valuation and Financial Performance

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

SBI Life Insuran Share Price

1,493.10 -2.40 -0.16%
as on 12-Apr'24 16:59

DeciZen - make an informed investing decision on SBI Life Insuran

Overall Rating
Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

Semi Strong

SBI Life Insurance Company stock performance -

mw4me loader
P/E Ratio (SA):
80.40
Market Cap:
1,49,528.8 Cr.
52-wk low:
1,091
52-wk high:
1,571.6

Is SBI Life Insurance Company Ltd an attractive stock to invest in?

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 Fair zone.

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

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of SBI Life Insurance Company Ltd is likely to Rise-somewhat 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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
ROCE % 0%0%0%0%0%0%0%0%0%0%-
Value Creation
Index
NANANANANANANANANANA-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 00000000000
Sales YoY Gr.-NANANANANANANANANA-
Adj EPS 7.48.28.69.611.513.314.214.615.117.218.6
YoY Gr.-10.8%5%10.9%20.4%15.4%7.2%2.4%3.4%14.2%-
BVPS (₹) 33.139.746.954.763.774.688.8100.9114.1129.1144.1
Adj Net
Profit
7408208619551,1501,3271,4221,4561,5061,7211,860
Cash Flow from Ops. 1682,7155,7788,52510,39513,47319,29923,87821,85228,656-
Debt/CF from Ops. 0000000000-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales NANANANA
Adj EPS 9.8%8.4%6.5%14.2%
BVPS16.3%15.2%13.3%13.1%
Share Price - 19.1% 18.3% 32.2%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Return on
Equity %
0000000000-
Op. Profit
Mgn %
0000000000-
Net Profit
Mgn %
0000000000-
Debt to
Equity
0000000000-
Working Cap
Days
00000000000
Cash Conv.
Cycle
000000000019

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.60%

Sales growth is good in last 4 quarters at 17.74%

Sales growth has been subdued in last 3 years 0.00%

Net Profit has been subdued in last 3 years 6.53%

Latest Financials - SBI Life Insurance Company Ltd.

Standalone Consolidated
TTM EPS (₹) 18.6 -
TTM Sales (₹ Cr.) 75,368 -
BVPS (₹.) 144.1 -
Reserves (₹ Cr.) 13,426 -
P/BV 10.36 -
PE 80.40 -
From the Market
52 Week Low / High (₹) 1091.00 / 1571.55
All Time Low / High (₹) 487.00 / 1571.55
Market Cap (₹ Cr.) 1,49,529
Equity (₹ Cr.) 1,001.5
Face Value (₹) 10
Industry PE 21.9

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 (%)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income From Investments202276318402452506477688983795
Other Income 778811147651
Expenses321179010812952585611391745
Profit Before Tax7408348749751,1841,3731,4141,5421,5611,758
Tax 01413203446-9875538
Adjustments 0000000000
Net Profit 7408208619551,1501,3271,4221,4561,5061,721
Adjusted EPS (₹)7.408.208.619.5511.5013.2714.2214.5615.0517.19
Dividend Payout Ratio (%)14%15%17%16%17%15%0%17%13%15%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Share Capital 1,0001,0001,0001,0001,0001,0001,0001,0001,0001,001
Reserve and Surplus2,3062,9743,6914,4655,3746,4607,8849,09210,41711,922
Fair Value A/C36654287153116-14130820493
Borrowings 0000000000
Policy Holders Fund 2625013357769431,056-1,5872,7273,2072,039
Funds For Appropriations71001932827148429941,143
Total Liabilities 58,99772,21180,72599,2251,18,1561,42,9981,62,5582,22,5922,68,2073,09,587

Assets

Investment0000000000
Loans12124178171173364358363389
Total Net block 282265301507511563568564524520
Total Assets 58,99772,21180,72599,2251,18,1561,42,9981,62,5582,22,5922,68,2073,09,587

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 1682,7155,7788,52510,39513,47319,29923,87821,85228,656
PBT 0000000000
Adjustment 6633,3147,3529,45011,38414,87120,89125,55623,83630,846
Changes in Working Capital 0000000000
Tax Paid -495-600-1,574-924-989-1,398-1,593-1,678-1,984-2,190
Cash Flow From Investing Activity -710-182-7,204-9,031-8,910-13,553-16,987-19,203-21,611-30,203
Capex -51-25-178-148-107-141-81-104-56-63
Net Investments -3,294-3,293-10,906-13,654-14,796-20,336-25,053-29,920-33,353-43,161
Others 2,6353,1363,8804,7715,9936,9258,14710,82111,79813,021
Cash Flow From Financing Activity -58-117-144-144-221-241-1983-231-415
Net Proceeds from Shares 000000131935
Net Proceeds from Borrowing 0000000000
Interest Paid 0000000000
Dividend Paid -50-100-120-120-150-200-2000-250-450
Others -8-17-24-24-71-410000
Net Cash Flow -6002,416-1,570-6511,264-3212,1134,67810-1,962
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Ratios
ROE (%)
ROCE (%)
Asset Turnover Ratio0.190.190.20.230.230.250.260.260.240.23
PAT to CFO Conversion(x)0.233.316.718.939.0410.1513.5716.414.5116.65
Working Capital Days
Receivable Days0000000000
Inventory Days0000000000
Payable Days0000000000

SBI Life Insurance Company Ltd Stock News

SBI Life Insurance Company Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of SBI Life Insuran on 12-Apr-2024 16:59 is ₹1,493.1.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Apr-2024 16:59 the market cap of SBI Life Insuran stood at ₹1,49,528.8.
The latest P/E ratio of SBI Life Insuran as of 12-Apr-2024 16:59 is 80.40.
The latest P/B ratio of SBI Life Insuran as of 12-Apr-2024 16:59 is 10.36.
The 52-week high of SBI Life Insuran is ₹1,571.6 and the 52-week low is ₹1,091.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SBI Life Insuran is ₹75,368 ( Cr.) .

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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