SBI Life Insurance Key Ratios
NSE: SBILIFE | BSE: 540719
₹1,684.70
As on 11-Sep-2026IST
Market cap
₹1,70,068 Cr
Revenue (TTM)
₹1,02,856 Cr
P/E Ratio
65.4
P/B Ratio
8.5
Div. Yield
0.2 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -27.47 | 16.88 | 19.42 | 14.43 | 15.29 |
| EBIT | -213.00 | -20.55 | 52.62 | 15.51 | 7.94 |
| Net Profit | -9.91 | 21.97 | 4.53 | 12.25 | 15.09 |
| EPS | -9.92 | 21.86 | 4.44 | 12.17 | 15.02 |
| Book Value | -- | -- | 13.54 | 13.79 | 13.52 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Mar-26 | Mar-25 |
| EBIT-Margin
| -- | -- | -15.51 | -- | -- |
| Net Margin
| -- | -- | 2.14 | -- | -- |
| Return on equity
| 14.31 | 14.21 | 13.29 | 13.77 | 15.38 |
| Return on Capital
| 14.72 | 14.63 | -- | 14.15 | 15.90 |
| Return on Assets
| 0.55 | 0.57 | 0.51 | 0.52 | 0.57 |
| Debt to Equity (x)
| -- | -- | 0.00 | 0.00 | 0.00 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
--
|
14.15
|
15.90
|
14.12
|
14.45
|
|
Peer Median
|
--
|
10.01
|
12.06
|
14.11
|
--
|
ROE
13.29
Higher than Peers by 2.69
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
13.29
|
13.77
|
15.38
|
13.77
|
14.14
|
|
Peer Median
|
10.60
|
11.54
|
10.65
|
13.14
|
--
|
ROA
0.51
Lower than Peers by 0.00
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
0.51
|
0.52
|
0.57
|
0.54
|
0.60
|
|
Peer Median
|
0.51
|
0.52
|
0.31
|
0.59
|
--
|
EBIT Margin
-15.51
Higher than Peers by 38.65
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
-15.51
|
--
|
--
|
--
|
--
|
|
Peer Median
|
-54.17
|
-19.34
|
1.00
|
-62.97
|
--
|
Net Margin
2.14
Higher than Peers by 0.35
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
2.14
|
--
|
-51,129.24
|
-15,729.07
|
2,29,593.33
|
|
Peer Median
|
1.78
|
--
|
5.00
|
--
|
--
|
Cash Profit Margin
--
--
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
--
|
2.47
|
2.87
|
2.35
|
2.58
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
19.42
Higher than Peers by 9.76
Year on year growth in net sales
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
19.42
|
18.91
|
4.31
|
21.04
|
13.95
|
|
Peer Median
|
9.66
|
11.31
|
13.17
|
15.12
|
--
|
EBIT Growth
52.62
Higher than Peers by 55.84
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
52.62
|
--
|
-60.80
|
1,706.62
|
86.01
|
|
Peer Median
|
-3.21
|
15.34
|
11.20
|
-116.03
|
--
|
Net Profit Growth
4.53
Lower than Peers by 5.54
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
4.53
|
2.36
|
27.43
|
10.07
|
14.25
|
|
Peer Median
|
10.07
|
5.05
|
3.21
|
7.32
|
--
|
EPS Growth
4.44
Lower than Peers by 9.54
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
4.44
|
2.26
|
27.35
|
10.00
|
14.19
|
|
Peer Median
|
13.99
|
4.63
|
11.33
|
--
|
--
|
Book Value Growth
--
--
Year on year growth in book value per share
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
--
|
13.65
|
15.07
|
12.90
|
13.19
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
--
--
Total debt / Net worth
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
0.16
|
0.13
|
0.10
|
--
|
Current Ratio
1.06
Lower than Peers by 0.33
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
1.06
|
1.41
|
1.27
|
1.80
|
1.62
|
|
Peer Median
|
1.39
|
1.13
|
1.24
|
1.31
|
--
|
Quick Ratio
1.06
Lower than Peers by 0.33
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
1.06
|
1.41
|
1.27
|
1.80
|
1.62
|
|
Peer Median
|
1.39
|
1.04
|
1.29
|
1.69
|
--
|
Operating Efficiency
Debtors to sales
--
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
1.15
|
--
|
--
|
Asset Turnover
0.20
Higher than Peers by 0.05
Sales / Average Total Assets
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
0.20
|
0.21
|
0.20
|
0.23
|
0.23
|
|
Peer Median
|
0.15
|
0.20
|
0.26
|
0.23
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
65.39
Higher than Peers by 7.09
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
65.39
|
72.18
|
64.28
|
79.21
|
63.97
|
|
Peer Median
|
58.30
|
65.39
|
78.42
|
74.45
|
--
|
Price / Book Value
8.45
Higher than Peers by 3.65
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
8.45
|
9.35
|
9.24
|
10.28
|
8.52
|
|
Peer Median
|
4.80
|
5.89
|
7.77
|
7.95
|
--
|
Dividend Yield
0.16
Lower than Peers by 0.19
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
0.16
|
0.15
|
0.17
|
0.18
|
0.23
|
|
Peer Median
|
0.35
|
0.26
|
--
|
0.15
|
--
|
EV/EBITDA
59.48
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
59.48
|
110.56
|
48.02
|
49.63
|
35.26
|
|
Peer Median
|
--
|
-440.14
|
-226.85
|
-2,739.37
|
--
|
Market Cap
1,70,068
Higher than Peers by 1,01,679
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
|---|---|---|---|---|---|
|
SBI Life Insurance
|
1,70,068
|
--
|
--
|
--
|
--
|
|
Peer Median
|
68,389
|
68,389
|
51,826
|
99,819
|
--
|