Fundamentals scanner
Every ratio from the Fundamental Analysis track, computed on a real company and annotated with what the number actually means. Then the three financial statements, so you can do the cash-flow check yourself.
SBI Life Insurance
Financial ServicesBearish- Market cap
- ₹1,80,085 Cr
- P/E
- 69.4x
- ROE
- 13.7%
- Debt / equity
- —
What the company does
SBI Life Insurance Company Limited operates as a life insurance company in India. The company's life insurance business comprises individual and group life insurance products, including participating, non-participating, pension, group gratuity, group leave encashment, group superannuation, group annuity, unit-linked and variable insurance products, health, and micro insurance. It also provides accident and disability benefits, level terms, and critical illness insurance products. In addition, the company offers online life insurance, money back income, terms, protection, savings, child plan, wealth, and retirement plans; and corporate solutions, group loan protection, and group micro insurance plans. It provides its products through a multi-channel distribution network comprising individual agents, brokers, corporate agents, bancassurance partners, and certified insurance facilitators, as well as through various 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.
Valuation — what you are paying
How the price compares to earnings, assets and cash generation.
- P/E (trailing)69.4xWeak
You are paying 69.4 years of current profit for each share. The earnings yield is 1.4%.
- P/B (price to book)8.9xWeak
The market values the company at 8.9× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
- EV / EBITDA60.6xWeak
This is the only common multiple that accounts for debt — it is what an actual acquirer would look at, because they would inherit the borrowings.
- Dividend yield0.15%Weak
Pays 0.15% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Profitability — is this a good business?
Returns on capital and margins, the numerical shadow of a moat.
- Return on equity13.7%Fair
Earns ₹13.7 of profit a year for every ₹100 of shareholders' money. Always check how much of this comes from leverage rather than the business.
- Return on assets0.3%Weak
ROE is 13.4 points above ROA — a large gap, meaning leverage is doing much of the work.
- Operating margin1.7%Weak
Keeps ₹1.7 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
- Net margin2.1%Weak
A thin net margin. A modest rise in input costs or interest rates could erase it entirely.
Financial strength — can it survive a bad year?
Leverage and liquidity. This is where fragility shows up first.
- Debt to equity—No data
Not available.
- Current ratio1.06Fair
Short-term obligations are comfortably covered by short-term assets.
- Total debt₹0.00No data
Against cash of ₹1526.74 Cr. Net debt is what matters, not gross borrowings.
- Free cash flow—No data
Not available.
Growth — is it getting bigger?
Revenue and earnings momentum, and how the two compare.
- Revenue growth (yoy)+18.8%Strong
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
- Earnings growth (yoy)+21.8%Strong
Profits are growing faster than sales — margins are expanding, which is the sign of genuine operating leverage.
- Revenue (TTM)₹1,21,568 CrNo data
EBITDA of ₹2945.49 Cr and operating cash flow of —.
- PEG ratio—No data
Not available.
Financial statements
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹1,12,966 Cr | ₹1,17,119 Cr | ₹1,32,631 Cr | ₹81598.48 Cr |
| Cost of revenue | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Gross profit | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating expenses | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating income | — | — | — | — |
| Interest expense | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Net profit | ₹2470.30 Cr | ₹2413.30 Cr | ₹1893.78 Cr | ₹1720.57 Cr |