NSEI:SBILIFE

Stock Analysis Report

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Executive Summary

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

Rewards

Earnings grew by 31.5% over the past year

Risk Analysis

No risks detected for SBILIFE from our risk checks.


Snowflake Analysis

Solid track record with excellent balance sheet.

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

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

Volatility Over Time: SBILIFE's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

0.8%

SBILIFE

1.3%

IN Insurance

3.1%

IN Market


1 Year Return

-11.2%

SBILIFE

-3.9%

IN Insurance

10.4%

IN Market

Return vs Industry: SBILIFE underperformed the Indian Insurance industry which returned -3.9% over the past year.

Return vs Market: SBILIFE underperformed the Indian Market which returned 10.4% over the past year.


Shareholder returns

SBILIFEIndustryMarket
7 Day0.8%1.3%3.1%
30 Day8.8%21.7%13.1%
90 Day2.8%13.6%12.8%
1 Year-11.2%-11.2%-3.9%-3.9%12.4%10.4%
3 Year29.2%28.4%28.0%26.1%11.0%5.6%
5 Yearn/a21.6%6.5%62.4%50.2%

Long-Term 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

Valuation

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

54.35x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: SBILIFE (₹858.15) is trading above our estimate of fair value (₹103.83)

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


Price To Earnings Ratio

PE vs Industry: SBILIFE's PE Ratio (54.4x) is in line with the IN Insurance industry average.

PE vs Market: SBILIFE is poor value based on its PE Ratio (54.4x) compared to the Indian market (17.2x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: SBILIFE is overvalued based on its PB Ratio (9.1x) compared to the IN Insurance industry average (8.1x).


Next Steps

Future Growth

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

20.1%

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.


Next Steps

Past Performance

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

15.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SBILIFE has high quality earnings.

Growing Profit Margin: SBILIFE's current net profit margins (2.9%) are higher than last year (2.4%).


Past Earnings Growth Analysis

Earnings Trend: SBILIFE's earnings have grown by 15.6% per year over the past 5 years.

Accelerating Growth: SBILIFE's earnings growth over the past year (31.5%) exceeds its 5-year average (15.6% per year).

Earnings vs Industry: SBILIFE earnings growth over the past year (31.5%) exceeded the Insurance industry -0.2%.


Return on Equity

High ROE: SBILIFE's Return on Equity (16.7%) is considered low.


Next Steps

Financial Health

How is SBI Life Insurance's financial position?


Financial Position Analysis

Short Term Liabilities: SBILIFE's short term assets (₹65.8B) exceed its short term liabilities (₹35.6B).

Long Term Liabilities: SBILIFE's short term assets (₹65.8B) do not cover its long term liabilities (₹1,785.8B).


Debt to Equity History and Analysis

Debt Level: SBILIFE is debt free.

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

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

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


Balance Sheet


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate SBILIFE's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate SBILIFE's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if SBILIFE's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if SBILIFE's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: SBILIFE is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of SBILIFE's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

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

1.9yrs

Average management tenure


CEO

Mahesh Sharma (55 yo)

0.58

Tenure

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...


Leadership Team

NamePositionTenureCompensationOwnership
Sangramjit Sarangi
Presidentno data₹16.96m0.000080%
₹ 700.6k
Mahesh Sharma
CEO, MD & Director0.58yrno datano data
Anand Pejawar
President of Operationsno datano datano data
Gopikrishna Shenoy
Chief Investments Officer3.58yrsno datano data
Vinod Koyande
Chief Compliance Officer & Company Secretary1.42yrsno datano data
Ravindra Sharma
SVP and Chief of Brand & Corporate Communicationsno data₹2.96mno data
Seema Trikannad
EVP and Chief of HR & Management Services0.58yrno datano data
Ravi Krishnamurthy
President of Marketing - Zone Ino datano datano data
M. Anand
President of Marketing - Zone IIno datano datano data
Abhijit Gulanikar
President of Business Strategy4.33yrsno datano data
Ravindra Kumar
President of Marketing - Zone IIIno data₹8.29m0.00050%
₹ 4.4m
Dharmendra Gupta
Chief Audit Officer2.33yrsno datano data

1.9yrs

Average Tenure

53yo

Average Age

Experienced Management: SBILIFE's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Mahesh Sharma
CEO, MD & Director0.58yrno datano data
Narayan Seshadri
Independent Director0.33yrno datano data
Deepak Amin
Independent Director3.25yrs₹310.00kno data
Joji Gill
Independent Director4.75yrs₹335.00kno data
Dinesh Khara
Chairmanno datano data0%
₹ 0

1.9yrs

Average Tenure

55yo

Average Age

Experienced Board: SBILIFE's board of directors are not considered experienced ( 1.9 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 company bio, employee growth, exchange listings and data sources


Key Information

  • Name: SBI Life Insurance Company Limited
  • Ticker: SBILIFE
  • Exchange: NSEI
  • Founded: 2000
  • Industry: Life and Health Insurance
  • Sector: Insurance
  • Market Cap: ₹875.743b
  • Shares outstanding: 1.00b
  • Website: https://www.sbilife.co.in

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 SharesININRSep 2017
SBILIFENSEI (National Stock Exchange of India)YesEquity SharesININRSep 2017

Biography

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-participa...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/12/03 12:07
End of Day Share Price2020/12/03 00:00
Earnings2020/09/30
Annual Earnings2020/03/31


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.