tiprankstipranks
Trending News
More News >
SBI Life Insurance Co. Ltd. (IN:SBILIFE)
:SBILIFE
India Market

SBI Life Insurance Co. Ltd. (SBILIFE) AI Stock Analysis

Compare
3 Followers

Top Page

IN:SBILIFE

SBI Life Insurance Co. Ltd.

(SBILIFE)

Select Model
Select Model
Select Model
Neutral 66 (OpenAI - 5.2)
Rating:66Neutral
Price Target:
₹2,232.00
▲(7.84% Upside)
The score is driven primarily by solid financial strength (debt-free position and strong cash generation) and constructive technical trend signals. These positives are meaningfully offset by expensive valuation (very high P/E and low dividend yield) and some operating variability (revenue volatility and thin, fluctuating margins).

SBI Life Insurance Co. Ltd. (SBILIFE) vs. iShares MSCI India ETF (INDA)

SBI Life Insurance Co. Ltd. Business Overview & Revenue Model

Company DescriptionSBI 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-participating, pension, group gratuity, group leave encashment, group superannuation, group immediate annuity, unit-linked and variable insurance products, health, and micro insurance. It also provides accident and disability benefit, level term, and critical illness insurance products. The company offers its products through a multi-channel distribution network comprising individual agents, brokers, corporate agents, banca partners, and certified insurance facilitators. As of March 31, 2022, it operated approximately 35,500 partner branches. The company was incorporated in 2000 and is based in Mumbai, India. SBI Life Insurance Company Limited is a subsidiary of State Bank of India.
How the Company Makes Money

SBI Life Insurance Co. Ltd. Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue1.20T1.15T1.31T806.39B829.11B821.22B
Gross Profit1.16T1.12T1.28T775.77B807.53B803.43B
EBITDA25.70B25.90B20.27B18.51B16.58B16.63B
Net Income24.88B24.13B18.94B17.21B15.06B14.56B
Balance Sheet
Total Assets4.85T4.57T3.98T3.15T2.73T2.27T
Cash, Cash Equivalents and Short-Term Investments0.0018.47B48.31B23.43B26.85B15.42B
Total Debt0.000.000.000.000.000.00
Total Liabilities4.67T4.40T3.83T3.02T2.62T2.16T
Stockholders Equity178.38B169.85B149.09B130.17B116.22B104.00B
Cash Flow
Free Cash Flow0.00254.40B290.07B416.52B336.26B237.73B
Operating Cash Flow0.00255.47B291.22B417.15B336.82B238.78B
Investing Cash Flow0.00-217.89B-312.21B-302.03B-216.11B-192.03B
Financing Cash Flow0.00-2.15B-2.27B-4.15B-2.31B26.49M

SBI Life Insurance Co. Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
₹309.54B63.22
72
Outperform
₹943.25B33.540.69%14.43%25.13%
70
Outperform
₹642.64B6.712.69%
68
Neutral
₹1.62T85.320.28%-17.31%11.68%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
66
Neutral
₹2.08T84.560.13%
55
Neutral
₹991.88B75.790.13%-42.13%48.75%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:SBILIFE
SBI Life Insurance Co. Ltd.
2,069.70
603.09
41.12%
IN:GICRE
General Insurance Corporation of India
366.30
-30.41
-7.67%
IN:GODIGIT
Go Digit General Insurance Limited
334.90
56.15
20.14%
IN:HDFCLIFE
HDFC Life Insurance Co. Ltd.
750.00
152.15
25.45%
IN:ICICIGI
ICICI Lombard General Insurance Co. Ltd.
1,893.90
69.83
3.83%
IN:ICICIPRULI
ICICI Prudential Life Insurance Co. Ltd.
685.10
49.74
7.83%

SBI Life Insurance Co. Ltd. Corporate Events

SBI Life to Appeal GST Input Tax Credit Demand for FY22
Dec 29, 2025

SBI Life Insurance Company has disclosed that it received an order from the Deputy Commissioner, Large Taxpayers Unit, Chennai, under Section 73 of the SGST and CGST Acts, partially upholding a tax demand related to reversal of input tax credit for the financial year 2021-22. The order raises a total demand of about Rs 70.9 lakh, including tax, interest and penalty, and while the amount is not material relative to the company’s scale, SBI Life plans to challenge the order by filing an appeal before the appropriate authority, signaling its intent to contest the tax position while complying with disclosure obligations to the market.

SBI Life to Appeal GST Order Partially Upholding Tax Demand for FY22
Dec 28, 2025

SBI Life Insurance has disclosed that it received an order under Section 73 of the Central and State GST Acts from the Assistant Commissioner, GSTO, Delhi, partially upholding a tax demand related to the financial year 2021-22. The order, concerning blocked input tax credit under Section 17(5) of the CGST Act and ITC claimed from cancelled dealers, return defaulters and non-payers, results in a total liability of Rs 8.23 lakh, including tax, interest and penalty. While the amount is modest relative to the company’s scale, the case underscores the ongoing regulatory scrutiny around GST compliance for financial institutions; SBI Life has stated it will challenge the order by filing an appeal before the appropriate appellate authority under the Goods and Services Tax framework.

SBI Life to Appeal Rs 14.68 Crore GST Demand Over ITC Mismatch
Dec 26, 2025

SBI Life Insurance has disclosed that it received an order under Section 73 of the MGST and CGST Acts from the Deputy Commissioner of State Tax in Mumbai, raising a demand related to mismatches in input tax credit claimed in its GST returns for the financial year 2021-22. The order imposes a total demand of approximately Rs 14.68 crore, comprising tax of about Rs 7.91 crore, interest of about Rs 5.98 crore and a penalty of about Rs 0.79 crore; the company has stated it will challenge this demand by filing an appeal before the appropriate appellate authority, indicating that the final financial impact remains subject to the outcome of the appeal process.

SBI Life to Appeal Bihar GST Demand of Rs 10.65 Lakh Over Blocked Credit
Dec 22, 2025

SBI Life Insurance has disclosed that it received an order under Section 73 of the Bihar Goods and Services Tax (BGST) and Central Goods and Services Tax (CGST) Acts, 2017 from the Deputy Commissioner of State Tax, Patna Special Central, Bihar, on 22 December 2025. The order relates to input tax credit allegedly availed on blocked credits under Section 17(5) of the CGST Act for FY 2021-22, resulting in a demand for goods and services tax, interest and penalty totaling Rs 10.65 lakh. The company has stated it will challenge the order by filing an appeal before the competent authority or appellate tribunal under the GST framework, indicating it is actively contesting the tax demand while complying with disclosure requirements for listed entities.

SBI Life Insurance Faces GST Order, Plans Appeal
Nov 26, 2025

SBI Life Insurance Company Ltd. has announced that it received an order from the Joint Commissioner of CGST & C. Ex. Bhopal regarding alleged violations of the Goods and Services Tax Act. The order pertains to GST charges on income related to ULIP and other charges, non-reversal of ITC on credit notes, and discrepancies in ITC claims. The company plans to appeal the order, which demands a total amount of Rs. 68,76,89,564, including tax, interest, and penalties, impacting its financial operations.

SBI Life Insurance Releases Q2 Earnings Call Recording
Oct 24, 2025

SBI Life Insurance Co. Ltd. announced that the audio recording of its earnings conference call for the second quarter of the fiscal year 2025-26 is now available on its website. This move is part of the company’s commitment to transparency and engagement with analysts and institutional investors, potentially impacting its market perception positively.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jan 04, 2026