SBI Life Insurance Company Limited (SBILIFE.NS) stock analysis

In our weekly check, SBI Life Insurance Company Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5.

About SBI Life Insurance Company Limited

SBI Life Insurance Company Limited is a Financial Services company (Insurance - Life) based in India, listed on NSE as SBILIFE.NS.

What our checks show for SBILIFE.NS

Red flags

• The gross margin fell by 46 points, to 51.4%: costs are rising faster than prices.
• The net margin is only 2.2%: little room if costs rise.
• The dividend takes 1042% of profit: little cushion if profit falls.
• The price is 62.7 times earnings (P/E): the market already pays for a lot of future growth.
• Return on capital (ROCE) is only 0.5%.

Warning signs

• The stock has fallen as much as 47% from a peak. Would you have held through that?

Strengths

• The net margin rose by 0.4 points over 5 years, to 2.2%.
• Operating cash flow is 13.98x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 15.2% a year over the next years.
• Earnings per share grew 12.8% a year over the last 3 years.
• Net profit grew 12.8% a year over the last 3 years.
• Free cash flow is 30.7% of revenue: cash for dividends, buybacks or growth.

Next earnings report: 2027-01-15

Similar companies

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Questions

What grade does SBI Life Insurance Company Limited (SBILIFE.NS) have?

In our weekly check, SBI Life Insurance Company Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of SBILIFE.NS stock?

This week's biggest flags for SBI Life Insurance Company Limited: Gross margin falling, Thin margins, Dividend stretched. In total 6 of 25 checks show a warning or a red flag.

What does SBI Life Insurance Company Limited do?

SBI Life Insurance Company Limited is a Financial Services company (Insurance - Life) based in India, listed on NSE as SBILIFE.NS.

When does SBI Life Insurance Company Limited report earnings next?

The next earnings report is expected on 2027-01-15. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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