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5407

SBI Life Insurance BSE:540719 Stock Report

Last Price

₹1.07k

Market Cap

₹1.1t

7D

-1.0%

1Y

10.6%

Updated

17 May, 2022

Data

Company Financials
540719 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance4/6
Financial Health5/6
Dividends2/6

540719 Stock Overview

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

Rewards

Earnings grew by 3.4% over the past year

Risk Analysis

No risks detected for 540719 from our risk checks.

SBI Life Insurance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for SBI Life Insurance
Historical stock prices
Current Share Price₹1,070.75
52 Week High₹1,293.00
52 Week Low₹956.85
Beta0.59
1 Month Change-6.70%
3 Month Change-4.56%
1 Year Change10.56%
3 Year Change62.69%
5 Year Changen/a
Change since IPO51.24%

Recent News & Updates

Shareholder Returns

540719IN InsuranceIN Market
7D-1.0%1.0%0.7%
1Y10.6%-11.7%10.6%

Return vs Industry: 540719 exceeded the Indian Insurance industry which returned -12.5% over the past year.

Return vs Market: 540719 exceeded the Indian Market which returned 9% over the past year.

Price Volatility

Is 540719's price volatile compared to industry and market?
540719 volatility
540719 Average Weekly Movement4.7%
Insurance Industry Average Movement5.1%
Market Average Movement7.2%
10% most volatile stocks in IN Market10.0%
10% least volatile stocks in IN Market4.8%

Stable Share Price: 540719 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: 540719's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
200018,515Mahesh Sharmahttps://www.sbilife.co.in

SBI Life Insurance Company Limited operates as a private life insurance company in India. Its life insurance business comprises of individual life and group business, including participating, non-participating, pension, group gratuity, group leave encashment, group superannuation, group immediate annuity, unit-linked and variable insurance products, health, and micro insurance. The company also provides accident and disability benefit, level term, and critical illness insurance products.

SBI Life Insurance Fundamentals Summary

How do SBI Life Insurance's earnings and revenue compare to its market cap?
540719 fundamental statistics
Market Cap₹1.07t
Earnings (TTM)₹15.06b
Revenue (TTM)₹829.57b

71.1x

P/E Ratio

1.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
540719 income statement (TTM)
Revenue₹829.57b
Cost of Revenue₹773.37b
Gross Profit₹56.20b
Other Expenses₹41.14b
Earnings₹15.06b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)15.05
Gross Margin6.77%
Net Profit Margin1.82%
Debt/Equity Ratio0.0%

How did 540719 perform over the long term?

See historical performance and comparison

Dividends

0.2%

Current Dividend Yield

13%

Payout Ratio

Valuation

Is SBI Life Insurance undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


71.13x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: 540719 (₹1070.75) is trading above our estimate of fair value (₹138.37)

Significantly Below Fair Value: 540719 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 540719 is poor value based on its PE Ratio (71.1x) compared to the Indian Insurance industry average (69.5x).

PE vs Market: 540719 is poor value based on its PE Ratio (71.1x) compared to the Indian market (20.1x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 540719's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 540719 is overvalued based on its PB Ratio (9.2x) compared to the IN Insurance industry average (6.7x).


Future Growth

How is SBI Life Insurance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


31.4%

Forecasted Insurance industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as SBI Life Insurance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

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

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


5.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 540719 has high quality earnings.

Growing Profit Margin: 540719's current net profit margins (1.8%) are higher than last year (1.8%).


Past Earnings Growth Analysis

Earnings Trend: 540719's earnings have grown by 5.4% per year over the past 5 years.

Accelerating Growth: 540719's earnings growth over the past year (3.4%) is below its 5-year average (5.4% per year).

Earnings vs Industry: 540719 earnings growth over the past year (3.4%) exceeded the Insurance industry -13.7%.


Return on Equity

High ROE: 540719's Return on Equity (13%) is considered low.


Financial Health

How is SBI Life Insurance's financial position?

Financial Health Score

5/6

Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: 540719's short term assets (₹76.2B) exceed its short term liabilities (₹51.3B).

Long Term Liabilities: 540719's short term assets (₹76.2B) do not cover its long term liabilities (₹2,565.8B).


Debt to Equity History and Analysis

Debt Level: 540719 is debt free.

Reducing Debt: 540719 has not had any debt for past 5 years.

Debt Coverage: 540719 has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: 540719 has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Dividend

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

Dividend Score

1/6

Dividend Score 1/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


0.19%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: 540719's dividend (0.19%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.37%).

High Dividend: 540719's dividend (0.19%) is low compared to the top 25% of dividend payers in the Indian market (1.61%).


Stability and Growth of Payments

Stable Dividend: 540719 has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: 540719 has only been paying a dividend for 4 years, and since then payments have not increased.


Earnings Payout to Shareholders

Earnings Coverage: With its low payout ratio (13.3%), 540719's dividend payments are thoroughly covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its low cash payout ratio (0.9%), 540719's dividend payments are thoroughly covered by cash flows.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.8yrs

Average management tenure


CEO

Mahesh Sharma (56 yo)

2yrs

Tenure

₹4,309,000

Compensation

Mr. Mahesh Kumar Sharma serves as Managing Director, Chief Executive Officer and Director at SBI Life Insurance Company Ltd. since May 9, 2020 and served as its Deputy Chief Executive Officer since April 8...


CEO Compensation Analysis

Compensation vs Market: Mahesh's total compensation ($USD55.35K) is below average for companies of similar size in the Indian market ($USD1.21M).

Compensation vs Earnings: Insufficient data to compare Mahesh's compensation with company performance.


Leadership Team

Experienced Management: 540719's management team is considered experienced (2.8 years average tenure).


Board Members

Experienced Board: 540719's board of directors are not considered experienced ( 1.6 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

SBI Life Insurance Company Limited's 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
  • Implied Market Cap: ₹1.071t
  • Shares outstanding: 1.00b
  • Website: https://www.sbilife.co.in

Number of Employees


Location

  • SBI Life Insurance Company Limited
  • NATRAJ
  • M. V. Road
  • Mumbai
  • Maharashtra
  • 400069
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/17 00:00
End of Day Share Price2022/05/17 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


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.