BSE:540719

Stock Analysis Report

SBI Life Insurance

Executive Summary

SBI Life Insurance Company Limited operates as a private life insurance company in India.

Snowflake

Fundamentals

Excellent balance sheet with limited growth.


Similar Companies

Share Price & News

How has SBI Life Insurance's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.5%

BSE:540719

-1.5%

IN Insurance

-0.7%

IN Market


1 Year Return

3.9%

BSE:540719

-1.4%

IN Insurance

-1.6%

IN Market

540719 outperformed the Insurance industry which returned -1.4% over the past year.

540719 outperformed the Market in India which returned -1.6% over the past year.


Share holder returns

540719IndustryMarket
7 Day0.5%-1.5%-0.7%
30 Day10.8%5.7%3.6%
90 Day14.5%9.6%0.5%
1 Year4.3%3.9%-0.9%-1.4%0.3%-1.6%
3 Yearn/a213.8%213.4%40.0%32.8%
5 Yearn/a527.2%520.2%56.4%41.7%

Price Volatility Vs. Market

How volatile is SBI Life Insurance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is SBI Life Insurance undervalued based on future cash flows and its price relative to the stock market?

52.65x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

SBI Life Insurance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

SBI Life Insurance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

SBI Life Insurance is overvalued based on earnings compared to the IN Insurance industry average.

SBI Life Insurance is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

SBI Life Insurance is poor value based on expected growth next year.


Price Based on Value of Assets

SBI Life Insurance is overvalued based on assets compared to the IN Insurance industry average.


Next Steps

Future Growth

How is SBI Life Insurance expected to perform in the next 1 to 3 years based on estimates from 19 analysts?

14.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

SBI Life Insurance's revenue is expected to grow by 16.5% yearly, however this is not considered high growth (20% yearly).

SBI Life Insurance's earnings are expected to grow by 14.6% yearly, however this is not considered high growth (20% yearly).

SBI Life Insurance's revenue growth is expected to exceed the India market average.

SBI Life Insurance's earnings growth is positive but not above the India market average.

SBI Life Insurance's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

SBI Life Insurance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has SBI Life Insurance performed over the past 5 years?

14.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

SBI Life Insurance's year on year earnings growth rate has been positive over the past 5 years.

SBI Life Insurance's 1-year earnings growth exceeds its 5-year average (15.3% vs 14.4%)

SBI Life Insurance's earnings growth has not exceeded the IN Insurance industry average in the past year (15.3% vs 15.4%).


Return on Equity

SBI Life Insurance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

SBI Life Insurance used its assets less efficiently than the IN Insurance industry average last year based on Return on Assets.


Return on Capital Employed

SBI Life Insurance's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is SBI Life Insurance's financial position?


Financial Position Analysis

SBI Life Insurance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

SBI Life Insurance's long term commitments exceed its cash and other short term assets.


Debt to Equity History and Analysis

SBI Life Insurance has no debt.

SBI Life Insurance has not taken on any debt in the past 5 years.

SBI Life Insurance has no debt, it does not need to be covered by operating cash flow.

SBI Life Insurance has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

SBI Life Insurance has no debt, it does not need to be covered by short term assets.


Next Steps

Dividend

What is SBI Life Insurance's current dividend yield, its reliability and sustainability?

0.44%

Expected Dividend Yield


Dividend Yield and Payments Analysis

SBI Life Insurance's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.53%).

SBI Life Insurance's dividend is below the markets top 25% of dividend payers in India (2.04%).

It is too early to tell whether SBI Life Insurance has stable dividend payments.

SBI Life Insurance only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Dividends paid are well covered by earnings (6.6x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (6.2x coverage).


Next Steps

Management

What is the CEO of SBI Life Insurance's salary, the management and board of directors tenure and is there insider trading?

1.9yrs

Average management tenure


CEO

Sanjeev Nautiyal (57yo)

1.3yrs

Tenure

₹4,036,033

Compensation

Mr. Sanjeev Nautiyal is Managing Director, Chief Executive Officer and Director of SBI Life Insurance Company Ltd. since March 10, 2018. 


CEO Compensation Analysis

Sanjeev's remuneration is lower than average for companies of similar size in India.

Insufficient data for Sanjeev to compare compensation growth.


Management Age and Tenure

1.9yrs

Average Tenure

51yo

Average Age

The average tenure for the SBI Life Insurance management team is less than 2 years, this suggests a new team.


Board Age and Tenure

3.3yrs

Average Tenure

57yo

Average Age

The tenure for the SBI Life Insurance board of directors is about average.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Anand Pejawar (53yo)

    President of Operations

  • M. Anand (51yo)

    President of Marketing - Zone II

  • Ravindra Sharma (44yo)

    SVP and Chief of Brand & Corporate Communications

    • Compensation: ₹2.96m
  • Sanjeev Pujari (57yo)

    President of Actuarial & Risk Management and Chief Risk Officer

  • Ravi Krishnamurthy (54yo)

    President of Marketing - Zone I

  • Pranay Raniwala (35yo)

    Compliance Officer

    • Tenure: 2.7yrs
  • Sangramjit Sarangi (44yo)

    CFO & Investor Relations

    • Compensation: ₹14.04m
  • Sanjeev Nautiyal (57yo)

    MD, CEO & Director

    • Tenure: 1.3yrs
    • Compensation: ₹4.04m
  • Manjula Kalyanasundaram

    EVP and Chief of HR & Management Services

    • Tenure: 1.7yrs
  • Gopikrishna Shenoy (51yo)

    Chief Investments Officer

    • Tenure: 2.1yrs

Board Members

  • Somasekhar Sundaresan (46yo)

    Independent Director

    • Tenure: 1.9yrs
    • Compensation: ₹205.00k
  • Nilesh Vikamsey (54yo)

    Independent Director

    • Tenure: 7.2yrs
    • Compensation: ₹480.00k
  • Ravi Rambabu (66yo)

    Independent Director

    • Tenure: 6.9yrs
    • Compensation: ₹1.38m
  • Dinesh Khara (57yo)

    Director

    • Tenure: 3.4yrs
  • Rajnish Kumar (60yo)

    Chairman of the Board

    • Tenure: 1.7yrs
  • Joji Gill (53yo)

    Independent Director

    • Tenure: 3.3yrs
    • Compensation: ₹115.00k
  • Deepak Amin (52yo)

    Independent Director

    • Tenure: 1.9yrs
    • Compensation: ₹390.00k
  • Sanjeev Nautiyal (57yo)

    MD, CEO & Director

    • Tenure: 1.3yrs
    • Compensation: ₹4.04m
  • Raj Bhardwaj (73yo)

    Independent Director

    • Tenure: 6.4yrs
    • Compensation: ₹1.23m
  • Pierre de de Villeneuve (69yo)

    Director

    • Tenure: 5.3yrs

Company Information

SBI Life Insurance Company Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: SBI Life Insurance Company Limited
  • Ticker: 540719
  • Exchange: BSE
  • Founded: 2000
  • Industry: life and health insurance
  • Sector: insurance
  • Market Cap: ₹698.600b
  • Shares outstanding: 1.00b
  • Website: Click here

Number of Employees


Location

  • SBI Life Insurance Company Limited
  • NATRAJ
  • M.V. Road & Western Express Highway Junction
  • Mumbai
  • Maharashtra
  • 400069
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
540719BSE (Mumbai Stock Exchange)YesEquity SharesININRJan 1970
SBILIFENSEI (National Stock Exchange of India)YesEquity SharesININRJan 1970

Biography

SBI Life Insurance Company Limited operates as a private life insurance company in India. The company’s life insurance business comprises of individual life and group business, including participating, non ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/06/16 12:57
End of Day Share Price2019/06/14 00:00
Earnings2019/03/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.