SBI Life Insurance Company Limited
SBI Life Insurance Company Limited Fundamental Analysis
SBI Life Insurance Company Limited (SBILIFE.BO) shows weak financial fundamentals with a PE ratio of 83.89, profit margin of 1.91%, and ROE of 13.75%. The company generates $1295.2B in annual revenue with weak year-over-year growth of -11.85%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 23.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SBILIFE.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakSBILIFE.BO struggles to generate sufficient returns from assets.
Valuation Score
WeakSBILIFE.BO trades at a premium to fair value.
Growth Score
ModerateSBILIFE.BO shows steady but slowing expansion.
Financial Health Score
ModerateSBILIFE.BO shows balanced financial health with some risks.
Profitability Score
WeakSBILIFE.BO struggles to sustain strong margins.
Key Financial Metrics
Is SBILIFE.BO Expensive or Cheap?
P/E Ratio
SBILIFE.BO trades at 83.89 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, SBILIFE.BO's PEG of 82.15 indicates potential overvaluation.
Price to Book
The market values SBI Life Insurance Company Limited at 10.94 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 81.90 times EBITDA. This signals the market has high growth expectations.
How Well Does SBILIFE.BO Make Money?
Net Profit Margin
For every $100 in sales, SBI Life Insurance Company Limited keeps $1.91 as profit after all expenses.
Operating Margin
Core operations generate 2.03 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.75 in profit for every $100 of shareholder equity.
ROA
SBI Life Insurance Company Limited generates $0.48 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
SBI Life Insurance Company Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
SBI Life Insurance Company Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
SBILIFE.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
83.89
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
82.15
vs 25 benchmark
P/B Ratio
Price to book value ratio
10.94
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.61
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How SBILIFE.BO Stacks Against Its Sector Peers
| Metric | SBILIFE.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 83.89 | 19.09 | Worse (Expensive) |
| ROE | 13.75% | 843.00% | Weak |
| Net Margin | 1.91% | 3730.00% | Weak |
| Debt/Equity | 0.00 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 661.68 | Weak Liquidity |
| ROA | 0.48% | -21651.00% (disorted) | Weak |
SBILIFE.BO outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews SBI Life Insurance Company Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
163.18%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
69.25%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
32.03%
Industry Style: Value, Dividend, Cyclical
High Growth