SBI Life Insurance Co Ltd Stock Price Today (NSE: SBILIFE)
Fundamental Score
SBI Life Insurance Co Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
SBI Life Insurance Co Ltd share price today is ₹1777.30, down 0.77% on NSE/BSE as of 30 March 2026. SBI Life Insurance Co Ltd (SBILIFE) is a Large-cap company in the Life Insurance sector with a market capitalisation of ₹1.97L (Cr). The 52-week high for SBILIFE share price is ₹2129.04 and the 52-week low is ₹1430.55. At a P/E ratio of 80.49x, SBILIFE is currently trading below its industry average P/E of 83.91x. The company has a Return on Equity (ROE) of 15.13% and a debt-to-equity ratio of 0.00.
SBI Life Insurance Co Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
SBI Life Insurance Co Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
SBI Life Insurance Co Share Price: A Conservative Valuation Perspective
The life insurance sector faces a unique challenge: balancing long-term liabilities with the need for immediate growth to satisfy shareholders. This tension makes a careful, value-oriented approach crucial when considering an investment. Our analysis of the SBI Life Insurance Co share price (₹1996.699951171875) focuses on capital preservation and long-term value creation. The company's Price-to-Earnings (PE) ratio stands at 80.49, signaling a potentially rich valuation that warrants cautious examination.
Return on Capital Employed (ROCE) is a critical metric for assessing efficiency. SBI Life Insurance Co boasts a ROCE of 16.88%. This level of profitability is beneficial, particularly in an industry where the 'float' (premiums received before claims are paid) needs to be deployed effectively. A sustained, healthy ROCE strengthens a company's economic moat, making it more difficult for competitors to erode its market position and profitability. However, it's essential to consider how consistently SBI Life has achieved this return, and what factors might impact it in the future, such as changing interest rates or increased competition.
Peer comparison is paramount. While assessing the financial health of
Max Financial Services Ltd, considering their management quality provides invaluable insight. A superior management team can navigate market volatility and adapt to regulatory changes more effectively, driving shareholder value. The ability of SBI Life's management to consistently generate profitable growth while maintaining responsible underwriting standards should be a key focus for investors.In summary, while SBI Life Insurance Co. demonstrates a reasonable ROCE, suggesting a potential for sustainable profitability, the high PE ratio necessitates further investigation. A thorough examination of future growth prospects, management competency, and the broader competitive landscape is vital for making informed investment decisions. This analysis forms part of a comprehensive 80-parameter fundamental audit, verified by Sweta Mishra, focused on providing an objective assessment of SBI Life's intrinsic value.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
SBI Life Insurance Co Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SBILIFE across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (15.13%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (16.88%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.
Consistent Growth Track Record (21.69% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Cash Generation (₹128577.72 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (55.36%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Strong Institutional Confidence (FII+DII: 40.55%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
3 factors identified
Margin Pressure Concerns (1.70%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Premium Valuation Risk (P/E: 80.49x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Revenue Contraction (-42.64%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
SBI Life Insurance Co Ltd Financial Statements
Comprehensive financial data for SBI Life Insurance Co Ltd including income statement, balance sheet and cash flow
About SBILIFE (SBI Life Insurance Co Ltd)
SBI Life Insurance Co Ltd is a prominent player in the Indian life insurance sector, committed to securing futures and empowering individuals to achieve their financial aspirations.... Built on a strong foundation of trust and reliability, SBI Life offers a comprehensive suite of life insurance solutions designed to cater to diverse needs and life stages. From traditional endowment plans providing guaranteed returns to market-linked policies offering growth potential, SBI Life strives to provide adaptable options that align with individual risk appetites and financial goals. By combining financial expertise with customer-centric service, SBI Life strives to be a partner in every stage of your life. The company's diverse product portfolio encompasses individual and group life insurance solutions, addressing the varying requirements of both individuals and organizations. Through participating plans, policyholders can share in the company's profits, while non-participating plans offer guaranteed benefits. Recognizing the importance of retirement planning, SBI Life offers pension plans that provide a steady stream of income during retirement. In addition to traditional life insurance, SBI Life also provides health insurance and micro-insurance products tailored to meet the specific needs of underserved populations. The company extends its services through various channels, including a vast network of branches and partnerships, to ensure accessibility for all. SBI Life's offerings extend beyond basic life coverage to include specialized protection against unforeseen circumstances. Accident and disability benefit riders provide financial support in the event of an accident or disability, while level term insurance offers affordable life cover for a specified period. Recognizing the increasing prevalence of critical illnesses, SBI Life offers critical illness insurance, providing a lump-sum benefit upon diagnosis of a covered illness. As a customer-centric organization, SBI Life is dedicated to helping individuals protect their financial future and create a secure tomorrow. The focus of the company is helping customers thrive in life.
Company Details
Key Leadership
Corporate Events
Latest News
SBILIFE Share Price: Frequently Asked Questions
What is the current share price of SBI Life Insurance Co Ltd (SBILIFE)?
As of 30 Mar 2026, 12:04 pm IST, SBI Life Insurance Co Ltd share price is ₹1777.30. The SBILIFE stock has a market capitalisation of ₹1.97L (Cr) on NSE/BSE.
Is SBILIFE share price Overvalued or Undervalued?
SBILIFE share price is currently trading at a P/E ratio of 80.49x, compared to the industry average of 83.91x. Based on this relative valuation, the SBI Life Insurance Co Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of SBILIFE share price?
The 52-week high of SBILIFE share price is ₹2129.04 and the 52-week low is ₹1430.55. These values are updated daily from NSE/BSE price data.
What factors affect the SBI Life Insurance Co Ltd share price?
Key factors influencing SBILIFE share price include quarterly earnings growth (Sales Growth: -42.64%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is SBI Life Insurance Co Ltd a good stock for long-term investment?
SBI Life Insurance Co Ltd shows a 5-year Profit Growth of 11.28% and an ROE of 15.13%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing in SBILIFE shares.
How does SBI Life Insurance Co Ltd compare with its industry peers?
SBI Life Insurance Co Ltd competes with major peers in the Life Insurance. Investors should compare SBILIFE share price P/E of 80.49x and ROE of 15.13% against the industry averages to determine competitive standing.
What is the P/E ratio of SBILIFE and what does it mean?
SBILIFE share price has a P/E ratio of 80.49x compared to the industry average of 83.91x. Investors pay ₹80 for every ₹1 of annual earnings.
How is SBILIFE performing according to Bull Run's analysis?
SBILIFE has a Bull Run fundamental score of 47.1/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SBILIFE belong to?
SBILIFE operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting SBI Life Insurance Co Ltd share price.
What is Return on Equity (ROE) and why is it important for SBILIFE?
SBILIFE has an ROE of 15.13%, which indicates excellent management efficiency. ROE measures how efficiently SBI Life Insurance Co Ltd generates profits from shareholders capital.
How is SBILIFE debt-to-equity ratio and what does it indicate?
SBILIFE has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk.
What is SBILIFE dividend yield and is it a good dividend stock?
SBILIFE offers a dividend yield of 0.14%, meaning you receive ₹0.14 annual dividend for every ₹100 invested in SBI Life Insurance Co Ltd shares.
How has SBILIFE share price grown over the past 5 years?
SBILIFE has achieved 5-year growth rates of: Sales Growth 21.69%, Profit Growth 11.28%, and EPS Growth 11.23%.
What is the promoter holding in SBILIFE and why does it matter?
Promoters hold 55.36% of SBILIFE shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in SBI Life Insurance Co Ltd.
What is SBILIFE market capitalisation category?
SBILIFE has a market capitalisation of ₹197472 crores, placing it in the Large-cap category.
How volatile is SBILIFE stock?
SBILIFE has a beta of N/A. A beta > 1 suggests the SBI Life Insurance Co Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SBILIFE operating profit margin trend?
SBILIFE has a 5-year average Operating Profit Margin (OPM) of 1.70%, indicating the company's operational efficiency.
How is SBILIFE quarterly performance?
Recent quarterly performance shows SBI Life Insurance Co Ltd YoY Sales Growth of -42.64% and YoY Profit Growth of -6.58%.
What is the institutional holding pattern in SBILIFE?
SBILIFE has FII holding of 21.85% and DII holding of 18.70%. Significant institutional holding often suggests professional confidence in the SBI Life Insurance Co Ltd stock.