insurance

SBI Life Insurance

SBILIFE · Nifty 50

₹1,793.6

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

ValuationPE 69.4 (33%ile of 5Y range 48-88). Trading near median.

Sector Positioninsurance sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score70/100 (STRONG). 2 positive flags, 2 concerns.

Historical Context117 similar technical setups. Average outcome: -8.4% decline. 0% positive.

Revenue TrendRevenue declining at -82.2% YoY. Revenue declining — -82.2% YoY

Bank HealthROA 0.56% · PB 9.0 · Asset growth 9.4%.

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 below historical average. BROAD EXPANSION regime.

Fundamental Score: 70/100 · STRONG · 0 signals detected

DuPont Analysis

ROE 14.6% broken into three drivers. Each shows how efficiently the company generates returns.

ROE14.6%=

2.5%Net Margin

0.2xTurnover

26.2xLeverage

ROE of 14.59% is moderate leverage-driven and stable. Net margin of 2.5% × asset turnover of 0.22x × leverage of 26.2x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.

What This Means

Net margin of 2.5% means the company keeps ₹2.5 as profit for every ₹100 of revenue. This is a low-margin business. Asset turnover of 0.22x means the company generates ₹0.22 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

2.5%

improving

Financial Health

Peer Comparison

SBI Life Insurance is compared against 6 peers in the insurance sector.

GODIGIT HDFCLIFE ICICIGI ICICIPRULI MFSL STARHEALTH

Bank Metrics

Return on Assets

0.56%

Benchmark: >1%

Efficiency Ratio

97.5%

Lower is better

Asset Growth

+9.4%

Year over year

PB Ratio

9.0x

Price to book

ROA of 0.56% is adequate (benchmark: >1% for banks). P/B of 8.97x — trading above book. Premium valuation — market pricing in high growth expectations.

Key Watchpoints

🟢

Breaks above ₹1883 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹1704 (-5%)

Further downside risk

🟡

PE reverts to 5Y median of 69.6

Valuation normalization

🟢

Insurance sector entering leadership

Sector rotation signal

Risk Flags

⚠️ 2 Warning✅ 2 Positive4 total flags

⚠️Overall governance risk: 8/10

Governance

Elevated risk score. Review audit, board, and shareholder rights metrics.

⚠️Board risk elevated: 8/10

Governance

Governance structure concerns. Independent director representation may be weak.

✅High promoter holding: 59%

Governance

Strong insider alignment. Promoters have significant skin in the game.

✅Strong analyst consensus: strong_buy (37 analysts)

Valuation

Mean recommendation: 1.1/5 (1=Strong Buy, 5=Strong Sell). Institutional confidence is high.

➡️ 4 flags — 2 positive, 2 warning. Mixed profile.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

69.4HIGH

P/B Ratio

9.0HIGH

ROE

13.7%HIGH

Market Cap

₹17114106.4L CrHIGH

From 52W High

84% of high

Promoter Holding

58.7%MODERATE

Institutional

30.9%

Sector Peers

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