SBI Life Insurance Company Ltd.
NSE: SBILIFESBI Life Insurance Company Ltd.: A 30-second snapshot
SBILIFE trades at Rs 1,855, up 0.18% over the past year and 12.9% below its 52-week high, currently below its 200-DMA (Rs 1,923) but above its 50-DMA (Rs 1,813) with RSI at 50.8 (neutral). Trailing PE is 70.8x (forward 52.6x) against a 13.7% ROE that has not exceeded 15% in any year of the tracked persistence window. Mean analyst rating is 1.2 across 36 analysts (1-5 scale, lower = more constructive), and the last 5 tracked news items skew positive (3 positive, 2 neutral, 0 negative), including a reported 22% YoY Q1 profit increase.
P/E
70.8
Forward P/E
52.6
ROE
+13.7%
Debt / Equity
—
Profit Margin
+2.1%
Div. Yield
+0.1%
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
60/100
News
5 headlines · 3 positive · 0 negative
SBI Life and J&K Bank partner to bring comprehensive life insurance solutions closer to families across India - TradingView
TradingView
SBI Life, J&K Bank Partner to Expand Insurance Reach - Whalesbook
Whalesbook
SBI Life Shares Gain as Q1 Profit Rises 22% on Premium Growth - HDFC Sky
HDFC Sky
Sports Infrastructure, Business & Technology Insights - Sportscape Magazine
Sportscape Magazine
ICICI Prudential Life Insurance Co Ltd (BOM:540133) Q1 2027 Earnings Call Highlights: Robust ... - finance.yahoo.com
finance.yahoo.com
Recent context
- ·News flow over the last 5 tracked items is positive (3 positive, 2 neutral, 0 negative), with two headlines on Aug 6-7 covering a new distribution partnership with J&K Bank.
- ·A Jul 24 headline reported Q1 profit up 22% YoY on premium growth.
- ·The peer-comparison set groups SBILIFE with commercial banks and an NBFC under a Banking label; HDFCLIFE is the only directly comparable life insurer included.
Strengths
- +5-year revenue growth of 18.8% and 5-year earnings growth of 21.8%.
- +ROE of 13.7% ranks 2nd of 6 within the compared peer set, ahead of HDFCLIFE's 10.8%.
- +Free cash flow was positive in 4 of the tracked persistence years.
- +Q1 FY27 profit reported up 22% YoY on premium growth, alongside an early-August distribution-partnership announcement with J&K Bank.
Weaknesses
- −Trailing PE of 70.8x (forward 52.6x) sits well above the reported profitability profile, with ROE that has not exceeded 15% in any year of the persistence window and a consistency score of 48/100.
- −Quality score of 36/100 ranks 5th of 6 in the peer comparison set, and PE ranks 6th of 6 (the highest in the group).
- −Debt-to-equity and debt trend are not available in the current data set, limiting leverage visibility relative to the comparison group.
- −Price is 12.9% below its 52-week high and below its 200-DMA (Rs 1,923 vs Rs 1,855 current), despite a roughly flat 1-year price change (+0.18%).
Open questions
- ?Does the 70.8x trailing PE reflect an expectation of ROE eventually crossing the 15% threshold it has not reached in the tracked window, and what would need to change for that to happen?
- ?How do SBILIFE's underwriting, persistency, and VNB margin trends compare with HDFCLIFE, the one directly comparable name in the data set, beyond headline PE and ROE figures?
- ?What does the absence of a reported debt-to-equity figure imply for how leverage and solvency should be assessed for a life insurer versus a lending or NBFC peer?
- ?Does the reported 22% YoY Q1 profit growth reflect a structural improvement in the underlying business, or would a multi-quarter view show a different trend?
Peer comparison: Banking
Ranks 5 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| SBILIFE | SBI Life Insurance Company Ltd.You're viewing | 70.8 | +13.7% | 36 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹1,855.00
SMA 50
₹1,812.78
SMA 200
₹1,923.11
RSI (14)
50.8 (neutral)
From 52w high
-12.9%
1Y return
+0.2%
3M return
-0.6%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumTrailing PE of 70.8x (forward PE 52.6x) sits well above the reported profitability profile: ROE of 13.7% has not exceeded 15% in any year of the persistence window (roeYearsAbove15=0), with a consistency score of 48/100, despite 5-year revenue growth of 18.8% and earnings growth of 21.8%.
- mediumThe comparison group is labeled Banking and mixes SBILIFE with commercial lenders and an NBFC (AXISBANK, HDFCBANK, BAJFINANCE, BAJAJFINSV); HDFCLIFE (PE 58.7x, ROE 10.8%, quality score 33) is the only directly comparable life insurer in the set. SBILIFE ranks 6th of 6 on PE and 5th of 6 on quality score, though 2nd of 6 on ROE (13.7% vs HDFCLIFE 10.8%).
- lowDebt-to-equity and debt trend are both unavailable in the current data set. This is common given a life insurers balance-sheet structure but limits leverage comparability against the non-insurer names in the comparison group.
- lowOnly 5 news items are tracked in the current window, and one of the five (a Sportscape Magazine item) does not appear to relate to SBI Life, reducing the effective sample size behind the positive sentiment label (3 positive, 2 neutral, 0 negative).
Cross-section contradictions
- News flow over the tracked window is positive (3 positive, 2 neutral, 0 negative), including a headline reporting Q1 profit up 22% YoY, yet the stock is roughly flat over the past year (priceChange1Y +0.18%) and sits below its 200-DMA (Rs 1,923 vs current Rs 1,855) -- the reported earnings and news flow have not been accompanied by a corresponding move in price.
- Mean analyst rating of 1.2 across 36 analysts (1-5 scale, lower = more constructive) sits at the constructive end of the scale, yet the quality score is 36/100 and ROE has not exceeded 15% in any reported year of the persistence window (roeYearsAbove15=0) -- a gap between sell-side positioning and the profitability-consistency metrics in the data.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 11 Aug 2026 · rotates through NIFTY 500 every ~5 days