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Sbi Life Insurance Company Ltd
NSE: SBILIFE BSE: 540719 INE123W01016 Financial Services Insurance 🔎 Screen
NIFTY 50 NIFTY 100 NIFTY 200 NIFTY 500 Fin. Services
₹186,155 Cr
Market Cap
10.29
P/B
15.0%
ROCE
13.7%
ROE
0.00
D/E
-5.2%
Fin. Margin
-12.8%
% from 52W High
53
α RS
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
Shareholding
About

SBI Life Insurance Company Ltd is engaged in the business of life insurance and annuity. It was started as a Joint-venture between State Bank of India and BNP Paribas Cardif S.A.

✓ Strengths 2
  • Company is almost debt free.
  • Company is expected to give good quarter
! Concerns

No concerns data yet.

Key Ratios Snapshot
📊 Sector Averages
📈 Growth Pattern
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3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
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📈 STRONG Net profit up 22% YoY to ₹725 Cr, revenue grows 18.8%.
Revenue
Revenue surged 18.8% YoY to ₹46,337 Cr, driven by strong premium income. QoQ revenue jumped 1038.2% due to seasonal effects in the June quarter.
Profitability
PAT rose 22.1% YoY to ₹725 Cr, with EPS improving to ₹7.23 from ₹5.93. Operating profit stood at ₹757 Cr, yielding a net margin of 1.6%.
Margins
Claims and combined ratios were not disclosed. The operating margin of ~1.6% reflects underwriting efficiency, but detailed expense metrics are unavailable.
Cash Flow
Not applicable for insurance companies.
Balance Sheet
Solvency ratio and investment portfolio detail are not provided. ROE of 13.7% suggests reasonable capital efficiency.
Key Risks
Claims inflation from rising healthcare costs could pressure margins. Regulatory changes in surrender value or solvency norms are potential headwinds. Underwriting performance needs monitoring given the high PE ratio.
Outlook
Strong premium growth momentum is likely to continue given insurance penetration tailwinds. However, the stock's PE of 75x leaves little room for disappointment in earnings delivery.
Generated by AI · Jun 2026 results · Not investment advice
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Investment Risk:
Investing in securities, including equities and mutual funds, involves inherent risks, including the potential loss of principal. All investments are subject to market fluctuations, regulatory changes, and other risks that may affect their value. Past performance is not indicative of future results. This report is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

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