SBI Life Insurance Company Ltd.
NSE: SBILIFESBI Life Insurance Company Ltd.: A 30-second snapshot
SBI Life Insurance trades at Rs 1,812.5, a trailing PE of 73.4x on a 5-year earnings CAGR of -1.1% and ROE of 13.7%, with the stock 15.0% below its 52-week high and below both its 50-DMA and 200-DMA as of early June 2026. The 1-year price change is near flat at +0.6%, masking a sharper 3-month drawdown of 13.0%. With quality score ranked last among six reported peers and no ROE reading above 15% in the persistence window, the stock sits at the intersection of premium valuation and below-median quality metrics.
P/E
73.4
Forward P/E
52.3
ROE
+13.7%
Debt / Equity
—
Profit Margin
+2.2%
Div. Yield
+0.1%
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
46/100
News
6 headlines · 3 positive · 1 negative
SBI Life Insurance Co Ltd stock (INE918I01018): Downgraded to Sell on weak financials - AD HOC NEWS
AD HOC NEWS
SBI Life launches 'SBI Life- Smart Platina Advantage', a life insurance guaranteed savings plan for long-term financial confidence - Big News Network.com
Big News Network.com
SBI Life collaborates with Datamatics to harness Agentic AI, redefining underwriting for smarter, future-ready risk assessment - Punjab Kesari English
Punjab Kesari English
SBI Life Insurance Co Ltd stock (INE918I01018): earnings growth and recent price consolidation - AD HOC NEWS
AD HOC NEWS
Live SBI Life Insurance Co. Ltd. (SBILIFE/INR) Technical Analysis - Traders Union
Traders Union
Recent context
- ·A headline from AD HOC NEWS (2026-05-12) cited a downgrade citing weak financials, the sole negative item in a 6-article news window otherwise split evenly between positive and neutral coverage.
- ·SBI Life launched the Smart Platina Advantage guaranteed savings product (2026-05-28) and announced an AI-driven underwriting collaboration with Datamatics (2026-05-27), both signalling product and technology investment activity.
- ·News sentiment across 6 articles is positive (3 positive, 2 neutral, 1 negative), though the sparse sample size of 6 total items limits the reliability of that signal.
Strengths
- +FCF-positive in 4 of the recorded fiscal years in the persistence window, indicating underlying cash generation capacity despite the distorted revenue-recognition line.
- +Forward PE of 52.3x represents a meaningful compression from the trailing 73.4x, implying the market embeds expectations of earnings normalisation over the next 12 months.
- +Mean analyst rating of 1.14 across 37 analysts (1–5 scale, lower = more constructive) reflects broad coverage depth for the name.
- +HDFCLIFE, the closest life-insurance peer in the group, carries a comparable PE (66.2x) at a lower ROE (11.3%), suggesting the elevated PE multiple is partly a sector-level characteristic rather than idiosyncratic to SBILIFE.
Weaknesses
- −ROE of 13.7% has not exceeded 15% in any year of the available persistence window, and a 5-year earnings CAGR of -1.1% does not support the current trailing PE of 73.4x; quality score of 10 ranks 6th of 6 peers.
- −Price is below both the 50-DMA (Rs 1,866.9) and 200-DMA (Rs 1,926.2), down 13.0% over 3 months and 15.0% from the 52-week high, with RSI at 40.2.
- −Dividend yield of 0.15% provides negligible income cushion relative to the premium multiple, and profit margin of 2.2% is structurally thin even accounting for insurance-sector accounting conventions.
- −Peer-group misclassification (4 of 5 peers are commercial banks) inflates the quality-score ranking penalty and renders PE comparisons against most peers structurally unreliable — the only direct insurance peer is HDFCLIFE.
Open questions
- ?Does the 5-year ROE trajectory reflect structural constraints in life insurance capital intensity, or is there a specific period of margin compression that has since reversed?
- ?How does SBI Life's Value of New Business (VNB) margin and embedded-value growth compare to HDFCLIFE over the same period, given both carry similar elevated PE multiples?
- ?What portion of the 13% 3-month price decline is attributable to sector-wide pressure on insurance stocks versus company-specific factors?
- ?If the reported 5-year revenue decline of 82.2% is an accounting artefact of premium-net recognition, what does the underlying new-business premium growth or renewal-premium trend show?
Peer comparison: Banking
Ranks 6 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| SBILIFE | SBI Life Insurance Company Ltd.You're viewing | 73.4 | +13.7% | 10 |
| Industry avg | across 5 peers | 31.2 | +14.2% | 39 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.1 | +17.9% | 53 |
| AXISBANK | Axis Bank Ltd. | 15.1 | +13.2% | 50 |
| HDFCBANK | HDFC Bank Ltd. | 16.6 | +13.8% | 50 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.8 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 66.2 | +11.3% | 20 |
Technical state
Current price
₹1,812.50
SMA 50
₹1,866.85
SMA 200
₹1,926.17
RSI (14)
40.2 (neutral)
From 52w high
-15.0%
1Y return
+0.6%
3M return
-13.0%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highTrailing PE of 73.4x against 5-year earnings CAGR of -1.1% and ROE of 13.7% — which has not exceeded 15% in any year of the available persistence window (roeYearsAbove15 = 0) — represents a wide gap between valuation and earnings delivery. Quality score of 10 ranks last (6th of 6) among reported peers. Forward PE of 52.3x implies a material acceleration in earnings not yet validated by the 5-year track record.
- mediumReported 5-year revenue growth of -82.2% almost certainly reflects how life insurers recognise net premiums under IRDAI accounting conventions rather than an operational collapse, but the data pipeline cannot confirm this. This figure should be verified against IRDAI-format statutory financials before drawing conclusions about top-line trajectory.
- mediumSBILIFE is mapped to a Banking peer group alongside AXISBANK (PE 15.1x), HDFCBANK (PE 16.6x), BAJFINANCE (PE 29.1x), and BAJAJFINSV (PE 28.8x). Life insurance economics — float-based reserves, net-premium recognition, solvency ratios — differ structurally from commercial banking, making PE and quality-score comparisons against 4 of the 5 peers unreliable. HDFCLIFE (PE 66.2x, ROE 11.3%) is the only like-for-like peer in the set.
- lowCurrent price of Rs 1,812.5 sits below both the 50-DMA (Rs 1,866.9) and 200-DMA (Rs 1,926.2). Down 13.0% over 3 months and 15.0% from the 52-week high; 1-year price change is +0.6%. RSI at 40.2 is in the neutral band approaching the lower boundary. Nearest support levels are at Rs 1,759 and Rs 1,728.
Cross-section contradictions
- Mean analyst rating of 1.14 across 37 analysts (1–5 scale, lower = more constructive) sits near the constructive end of the scale, yet ROE has not exceeded 15% in any recorded year and the quality score ranks last (6th of 6) among peers — quantitative quality signals and analyst coverage stance point in opposite directions.
- Price is essentially flat over 1 year (+0.6%) but has declined 13.0% over the past 3 months and trades below both moving averages, suggesting a shift in short-term momentum without a clear single catalyst in recent news flow.
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 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Jun 2026 · rotates through NIFTY 500 every ~5 days