insurance · SBILIFE
SBI Life Insurance
SBI Life Insurance: PE above historical average. NARROW LEADERSHIP regime.
Price
₹1,877.5
Price 2026-07-30
5 day
+1.02%
Short-term move
1 month
+6.33%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹183.8k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's NARROW LEADERSHIP regime affect SBI Life Insurance (SBILIFE) in the insurance sector?”
Price chart
₹1,889
+2.91% over period
About SBI Life Insurance
SBI Life Insurance Company Limited operates as a private 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 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. In addition, the company offers online savings, protection, retirement, and child life insurance plans, as well as wealth creation with insurance products; and corporate solutions, group loan protection, and group micro insurance plans. It offers 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.
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -8.4% over 14 days) — not a reliable pattern.
52-week position
Trading at 88.1% of 52-week high
Technicals
RSI 14
53.1
Trend
mixed
50 DMA
Above
200 DMA
Below
Key metrics
P/E ratio
74.3
57th pct · 7 quarterly points (limited history)
P/B
9.6
ROE
13.7%
Moderate profitability — 13.7% ROE
Market cap
₹183.8k Cr
Revenue growth
-8220.0% YoY
Promoter
58.7%
52-week range
₹1,700.4 – ₹2,132
88.1% of high
RSI (14)
53.1
mixed
vs 50 DMA
Above
DMA ₹1,810.23
Fundamental
70/100
STRONG
Trust
90/100
Verification
Coverage
89/100
HIGH
Quick Take
SBI Life Insurance scores 70/100 on fundamentals (strong). SBI Life Insurance: PE above historical average. NARROW LEADERSHIP regime.
Fundamental Score: 70/100 · STRONG · 0 signals detected
DuPont Analysis
ROE 14.1% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 14.13% is moderate leverage-driven and stable. Net margin 2.0%, asset turnover 0.27x, leverage 26.2x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 2.0% means the company keeps ₹2.0 as profit for every ₹100 of revenue. This is a low-margin business. Asset turnover of 0.27x means the company generates ₹0.27 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 26.2x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
2.0%
Financial Health
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| HDFCLIFE HDFC Life Insurance | ₹545.4 | -1.0% | 64.6 | 11.3% | -1770% | ₹1.2L Cr |
| ICICIGI ICICI Lombard General Insurance | ₹1,637.9 | +1.2% | 32.5 | 17.9% | 1220% | ₹89.6k Cr |
| MFSL Max Financial Services | ₹1,510.8 | +0.5% | 678.9 | 1.6% | -4020% | ₹55.3k Cr |
| STARHEALTH Star Health Insurance | ₹610.4 | +5.8% | 62.2 | N/A | 1380% | ₹34.7k Cr |
| GODIGIT Go Digit Insurance | ₹254.95 | -9.2% | 53 | 11.7% | 2260% | ₹28.8k Cr |
| SBILIFE SBI Life Insurance | ₹1,877.5 | +1.3% | 74.3 | 13.7% | -8220% | ₹1.8L Cr |
Bank Metrics
Return on Assets
0.54%
Benchmark: >1%
Efficiency Ratio
98.0%
Lower is better
Asset Growth
+9.4%
Year over year
PB Ratio
9.6x
Price to book
ROA of 0.54% is adequate (benchmark: >1% for banks). P/B of 9.63x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹1971 (+5%)
Trend reversal confirmation
Breaks below ₹1784 (-5%)
Further downside risk
PE reverts to median of 71.4 (7 quarterly points (limited history))
Valuation normalization
Insurance sector entering leadership
Sector rotation signal
Risk Flags
Significant income from non-operating sources. Core business may be smaller than it appears.
Strong insider alignment. Promoters have significant skin in the game.
Mean recommendation: 1.2/5 (1=Strong Buy, 5=Strong Sell). Institutional confidence is high.
➡️ 3 flags — 2 positive, 1 warning. Mixed profile.
Data Quality
News Correlation
50 articles scanned for fundamental themes
