SBI LIFE INSURANCE COMPANY LIMITED |
Delayed
Other stock markets
|
5-day change | 1st Jan Change | ||
| 1,427 INR | -1.61% |
|
-2.34% | -0.41% |
Valuation
| Fiscal Period: March | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Capitalization 1 | 583,400 | 641,017 | 880,912 | 1,121,866 | 1,102,085 | 1,452,275 | - | - |
| Enterprise Value (EV) 1 | 559,194 | 626,785 | 853,807 | 1,089,823 | 1,060,436 | 1,454,990 | 1,400,215 | 1,395,387 |
| P/E ratio | 44 x | 45.1 x | 60.5 x | 74.6 x | 64.1 x | 79.4 x | 68.2 x | 58.7 x |
| Yield | 0.34% | - | 0.28% | 0.18% | 0.23% | 0.18% | 0.22% | 0.25% |
| Capitalization / Revenue | 1.32 x | 1.46 x | 1.07 x | 1.35 x | 1.35 x | 1.13 x | 1.16 x | 0.99 x |
| EV / Revenue | 1.26 x | 1.43 x | 1.04 x | 1.31 x | 1.3 x | 1.1 x | 1.12 x | 0.96 x |
| EV / EBITDA | - | - | - | - | - | - | - | - |
| EV / FCF | - | -10,046,830 x | - | - | - | - | - | - |
| FCF Yield | - | -0% | - | - | - | - | - | - |
| Price to Book | 7.7 x | 7.33 x | 8.47 x | 9.65 x | 8.47 x | 10.1 x | 8.76 x | 7.71 x |
| Nbr of stocks (in thousands) | 1,000,000 | 1,000,026 | 1,000,071 | 1,000,371 | 1,000,895 | 1,001,465 | - | - |
| Reference price 2 | 583.4 | 641.0 | 880.8 | 1,121 | 1,101 | 1,450 | 1,450 | 1,450 |
| Announcement Date | 4/25/19 | 5/5/20 | 5/3/21 | 4/28/22 | 4/26/23 | 4/26/24 | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: March | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 442,612 | 438,428 | 820,849 | 830,272 | 815,985 | 1,326,314 | 1,253,459 | 1,460,775 |
| EBITDA | - | - | - | - | - | - | - | - |
| EBIT 1 | 13,740 | 14,142 | 15,424 | 15,913 | 17,594 | 19,446 | 21,526 | 26,769 |
| Operating Margin | 3.1% | 3.23% | 1.88% | 1.92% | 2.16% | 1.47% | 1.72% | 1.83% |
| Earnings before Tax (EBT) 1 | 13,729 | 14,135 | 15,425 | 15,608 | 17,584 | 19,421 | 23,176 | 27,139 |
| Net income 1 | 13,268 | 14,222 | 14,558 | 15,060 | 17,206 | 18,938 | 21,956 | 25,490 |
| Net margin | 3% | 3.24% | 1.77% | 1.81% | 2.11% | 1.43% | 1.75% | 1.74% |
| EPS 2 | 13.27 | 14.22 | 14.55 | 15.04 | 17.18 | 18.90 | 21.27 | 24.72 |
| Free Cash Flow | - | -62,386 | - | - | - | - | - | - |
| FCF margin | - | -14.23% | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - | - |
| Dividend per Share 2 | 2.000 | - | 2.500 | 2.000 | 2.500 | 2.700 | 3.176 | 3.597 |
| Announcement Date | 4/25/19 | 5/5/20 | 5/3/21 | 4/28/22 | 4/26/23 | 4/26/24 | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: March | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 S1 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales | - | 208,967 | - | - | - | - | - | 275,253 | 266,267 | - | - | - | - | - | - | - |
| EBITDA 1 | - | - | - | - | 4,252 | - | - | 4,515 | - | - | 6,320 | 5,759 | - | 6,402 | - | - |
| EBIT 1 | 2,332 | 6,218 | 2,340 | 2,811 | 3,822 | 6,940 | 2,676 | 3,875 | 3,112 | 7,930 | 3,897 | 10,597 | - | 10,504 | 11,818 | 5,949 |
| Operating Margin | - | 2.98% | - | - | - | - | - | 1.41% | 1.17% | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | - | - | 2,334 | - | 3,814 | 6,941 | 2,674 | 3,866 | - | - | 3,897 | 4,204 | - | 3,866 | - | - |
| Net income 1 | 2,328 | 5,324 | 2,232 | 2,466 | 3,641 | 6,722 | 2,628 | 3,767 | 3,041 | 7,768 | 3,810 | 4,170 | 7,612 | 3,831 | 7,977 | - |
| Net margin | - | 2.55% | - | - | - | - | - | 1.37% | 1.14% | - | - | - | - | - | - | - |
| EPS 2 | 2.330 | 5.320 | 2.230 | 2.460 | 3.640 | 6.710 | 2.630 | 3.760 | 3.040 | 7.760 | 3.800 | 4.400 | - | 3.700 | 7.799 | - |
| Dividend per Share 2 | - | 2.500 | - | - | - | 2.000 | - | - | - | 2.500 | - | - | - | - | 3.500 | - |
| Announcement Date | 1/22/21 | 5/3/21 | 7/26/21 | 10/27/21 | 1/21/22 | 4/28/22 | 7/28/22 | 10/21/22 | 1/21/23 | 4/26/23 | 7/25/23 | - | 10/27/23 | - | - | - |
1INR in Million2INR
Estimates
Balance Sheet Analysis
| Fiscal Period: March | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | - | - | - | - | - | - | - |
| Net Cash position 1 | 24,206 | 14,232 | 27,105 | 32,042 | 41,649 | 47,459 | 52,060 | 56,888 |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | -62,386 | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 18.8% | 17.4% | 15.2% | 13.7% | 14% | 13.6% | 15.6% | 15.8% |
| ROA (Net income/ Total Assets) | 1.02% | 0.93% | 0.76% | 0.61% | 0.59% | 0.53% | 0.55% | 0.53% |
| Assets 1 | 1,305,906 | 1,527,737 | 1,915,592 | 2,453,951 | 2,940,140 | 3,564,427 | 3,979,263 | 4,846,071 |
| Book Value Per Share 2 | 75.80 | 87.40 | 104.0 | 116.0 | 130.0 | 149.0 | 166.0 | 188.0 |
| Cash Flow per Share | - | - | 236.0 | 218.0 | - | - | - | - |
| Capex | - | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - | - |
| Announcement Date | 4/25/19 | 5/5/20 | 5/3/21 | 4/28/22 | 4/26/23 | 4/26/24 | - | - |
1INR in Million2INR
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C+
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -0.41% | 17.4B | |
| +7.91% | 102B | |
| +5.68% | 101B | |
| -9.99% | 87.69B | |
| +11.69% | 69.86B | |
| +14.17% | 32.29B | |
| +18.74% | 29.12B | |
| +7.87% | 28.11B | |
| -14.88% | 14.24B | |
| +9.75% | 9.98B |
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- Financials SBI Life Insurance Company Limited