ScoreWhy is SBI Life Insurance Company Ltd ?
1
Company has a low Debt to Equity ratio (avg) at 0 times
2
Low Debt Company with Strong Long Term Fundamental Strength
3
Negative results in Sep 25
- OPERATING CF(Y) Lowest at Rs 25,546.65 Cr
- NET SALES(9M) At Rs 85,182.77 cr has Grown at -23.40%
- PBT LESS OI(Q) At Rs 515.53 cr has Fallen at -14.87%
4
With ROE of 13.4, it has a Very Attractive valuation with a 11.1 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 40.94%, its profits have risen by 12.5% ; the PEG ratio of the company is 6.7
5
High Institutional Holdings at 40.54%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 40.94% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to SBI Life Insuran should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is SBI Life Insuran for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
SBI Life Insuran
40.94%
2.12
19.34%
Sensex
4.83%
0.41
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.18%
EBIT Growth (5y)
-0.70%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
-0.09
Sales to Capital Employed (avg)
7.75
Tax Ratio
9.72%
Dividend Payout Ratio
11.21%
Pledged Shares
0
Institutional Holding
40.54%
ROCE (avg)
5.75%
ROE (avg)
13.01%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
83
Industry P/E
23
Price to Book Value
11.07
EV to EBIT
151.37
EV to EBITDA
151.37
EV to Capital Employed
12.12
EV to Sales
1.93
PEG Ratio
6.67
Dividend Yield
0.13%
ROCE (Latest)
8.01%
ROE (Latest)
13.41%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
DPS(Y)
Highest at Rs 2.70
-12What is not working for the Company
OPERATING CF(Y)
Lowest at Rs 25,546.65 Cr
NET SALES(9M)
At Rs 85,182.77 cr has Grown at -23.40%
PBT LESS OI(Q)
At Rs 515.53 cr has Fallen at -14.87%
DPR(Y)
Lowest at 11.21%
PAT(Q)
At Rs 494.59 cr has Fallen at -6.6%
EPS(Q)
Lowest at Rs 4.93
Loading Valuation Snapshot...
Here's what is working for SBI Life Insuran
Dividend per Share (DPS) - Annually
Highest at Rs 2.70
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Here's what is not working for SBI Life Insuran
Net Sales - Quarterly
At Rs 23,115.32 cr has Fallen at -42.64%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 515.53 cr has Fallen at -14.87%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Operating Cash Flow - Annually
Lowest at Rs 25,546.65 Cr
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 494.59 cr has Fallen at -6.6%
Year on Year (YoY)MOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Lowest at Rs 4.93
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Lowest at 11.21%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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