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SBI Life Insurance vs Life InsuranceSBI Life Insurance vs HDFC Life InsuranceSBI Life Insurance vs ICICI PrudentialSBI Life Insurance vs Max FinancialSBI Life Insurance vs Niva Bupa HealthSBI Life Insurance vs NIFTY 50 | MarketN

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2026

Income Metrics

Revenue 40.9B
Net Income 8.0B 19.65%
EPS (Diluted) ₹8.02

Balance Sheet Metrics

Total Assets 5.0T
Total Liabilities 4.8T
Shareholders Equity 190.9B
Debt to Equity 25.20

Cash Flow Metrics

Free Cash Flow 7.3B

Revenue & Profitability Trend

Quarter Income Flow i

Annual Income Flow i

SBI Life Insurance Income Statement From 2022 to 2026

Metric 2026 2025 2024 2023 2022
Revenue i 1.1T 1.2T 1.3T 806.4B 829.1B
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i - 5.8B 3.6B 2.8B 2.5B
Other Operating Expenses i 7.7B 15.9B 14.1B 12.8B 12.6B
Total Operating Expenses i 7.7B 21.7B 17.7B 15.6B 15.1B
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - 114.4M 284.2M 248.4M 219.9M
Other Non-Operating Income 0 0 0 0 0
Pre-tax Income i 25.4B 24.9B 19.4B 17.6B 15.6B
Income Tax i 671.0M 813.7M 483.3M 378.7M 547.6M
Effective Tax Rate % i 2.6% 3.3% 2.5% 2.2% 3.5%
Net Income i 24.7B 24.1B 18.9B 17.2B 15.1B
Net Margin % i 2.2% 2.1% 1.4% 2.1% 1.8%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i ₹24.64 ₹24.09 ₹18.92 ₹17.19 ₹15.06
EPS (Diluted) i ₹24.62 ₹24.07 ₹18.90 ₹17.18 ₹15.04
Basic Shares Outstanding i 1002556818 1001784973 1001094805 1000640815 1000202830
Diluted Shares Outstanding i 1002556818 1001784973 1001094805 1000640815 1000202830

Income Statement Trend

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SBI Life Insurance Balance Sheet From 2022 to 2026

Metric 2026 2025 2024 2023 2022
Assets
Current Assets
Cash & Equivalents i 32.1B 17.8B 47.4B 15.9B 10.3B
Short-term Investments i - 1.7B 903.6M 7.5B 16.5B
Accounts Receivable i - 7.9B 8.0B 3.8B 4.5B
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i - 2.5M 2.5M 2.5M 2.5M
Goodwill i - 147.4M 99.0M 134.7M 120.6M
Intangible Assets i - 147.4M 99.0M 134.7M 120.6M
Long-term Investments - 11.5B 7.6B 1.6B 90.3M
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 5.0T 4.6T - - -
Liabilities
Current Liabilities
Accounts Payable i - 31.3B 27.2B 22.1B 17.8B
Short-term Debt i - - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i - - - - -
Deferred Tax Liabilities i - 0 - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 4.8T 4.4T - - -
Equity
Common Stock i 10.0B 10.0B 10.0B 10.0B 10.0B
Retained Earnings i - 156.3B 134.9B 118.6B 103.9B
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 190.9B 169.9B 149.1B 130.2B 116.2B
Key Metrics
Total Debt i 0 0 0 0 0
Working Capital i 0 0 0 0 0

Balance Sheet Composition

SBI Life Insurance Cash Flow Statement From 2022 to 2026

Metric 2026 2025 2024 2023 2022
Operating Activities
Net Income i - - - - -
Depreciation & Amortization i - - - - -
Stock-Based Compensation i - - - - -
Working Capital Changes i 0 0 0 0 0
Operating Cash Flow i - - - - -
Investing Activities
Capital Expenditures i -1.8B -1.1B -1.1B -626.2M -557.3M
Acquisitions i - - - - -
Investment Purchases i -3.0T -2.4T -2.7T -2.4T -1.6T
Investment Sales i 2.4T 2.0T 2.2T 2.0T 1.3T
Investing Cash Flow i -351.9B -217.0B -461.6B -432.4B -334.2B
Financing Activities
Share Repurchases i - - - - -
Dividends Paid i -2.7B -2.7B -2.7B -4.5B -2.5B
Debt Issuance i - - - - -
Debt Repayment i 0 0 0 0 0
Financing Cash Flow i -1.8B -4.9B -2.3B -4.2B -2.3B
Free Cash Flow i 343.4B 254.4B 290.1B 285.9B 218.0B
Net Change in Cash i -353.7B -221.8B -463.9B -436.5B -336.5B

Cash Flow Trend

SBI Life Insurance Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 74.04
Forward P/E 49.96
Price to Book 9.64
Price to Sales 1.63
PEG Ratio 8.51

Profitability Ratios

Profit Margin 2.20%
Operating Margin 20.51%
Return on Equity 13.70%
Return on Assets 0.35%

Financial Health

Current Ratio 1.55
Debt to Equity 0.00

Per Share Data

EPS (TTM) ₹24.69
Book Value per Share ₹189.62
Revenue per Share ₹1,121.03

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
SBILIFE 1.8T 74.04 9.64 13.70% 2.20% 0.00
Life Insurance 5.2T 9.83 4.28 37.90% 5.97% 0.00
HDFC Life Insurance 1.3T 67.42 7.26 11.28% 1.92% 17.46
ICICI Prudential 775.6B 48.61 5.74 12.58% 2.53% 19.04
Max Financial 550.6B 377.16 20.02 5.11% 0.29% 12.67
Niva Bupa Health 149.1B 154.02 4.18 7.96% 3.66% 7.30
Nippun Rana

Nippun Rana

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Hi, I’m Nippun, a tech enthusiast from Haryana, India. I have been coding since 2010 and using my coding skills in the share market since 2020. I have been coding scripts in Pinescript that work on Tradingview app/web. I love learning about new technology and applying it to solve real-world problems. Coding and share-market are my passions, and I enjoy finding and fixing bugs in code. I aim to share my skill set and experience that can positively impact society. Feel free to connect with me, an...

Financial data is updated regularly. All figures are in the company's reporting currency.