BSE: SBILIFE - SBI Life Insurance Company Limited

Yield per half year: -9.04%
Dividend yield: +0.35%
Sector: Financials

Reporting SBI Life Insurance Company Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹									1 320
Выручка, млрд ₹			441.6	437.39	821.22	829.11	806.39	1 319.99	1 319.99
Чистая прибыль, млрд ₹	9.54	11.5	13.27	14.22	14.56	15.06	17.21	18.94	18.94
EV, млрд ₹									1 280
EBIT, млрд ₹	11.59	14.29	16.49	17.99	16.48	16.97	19.06		19.06
EBITDA, млрд ₹									19.64
Баланс стоимость, млрд ₹		53.74	75.76	87.43	104	116.22	130.17	149.09	149.09
FCF, млрд ₹			133.3	192.18	237.73	217.96	285.93	290.07	290.07
Операционный денежный поток, млрд ₹	85.25	103.95	134.73	192.99	238.78	218.52
Операционные расходы, млрд ₹			429.81	423.25	805.79	813.5	788.81	1 300.57	1 300.57
CAPEX, млрд ₹	1.48	1.07	1.42	0.8099	1.05	0.5579	0.632	1.14	1.14

	2019Q3	2019Q4	2020Q1	2020Q2	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ₹					205.46	48.08	277.23	268.1	212.99	278.94	287.93	390.66	362.46	346.74
Чистая прибыль, млрд ₹					6.72	2.63	3.77	3.04	7.77	3.81	3.8	3.22	8.11	5.2
EBIT, млрд ₹	1.78	4.69	5.96	6.27			4.37	3.46	8.22
Баланс стоимость, млрд ₹					116.22	117.6	122.16	125.79	130.17	135.36	139.69	144.27	149.09	155.72
Операционные расходы, млрд ₹					198.52	45.4	273.36	264.99	205.05	275.05	284.06	387.37	354.1	341.39

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			12.3	9.08	12.13	10.32	15.91	47.46	47.46
Short Term Investments ₹			2.22	2.56	3.29	16.53	7.52		7.52
Long term investments ₹			543.97	622.78	803.98	954.19	1 130.15
Total Receivables ₹	4.84	7.29	7.86	2.48	6.29	4.47	3.82		3.82
Total Current Assets ₹	34.39	40.9	40.57	31.95	52.42	63.98
Чистые активы, млрд ₹	5.15	5.58	5.54	5.44	5.45	5.15	125.79		125.79
Активы, млрд ₹			1 467.34	1 655.8	2 268.3	2 733.37	3 146.86	3 982.99	3 982.99
Задолженность, млрд ₹			1 391.57	1 568.37	2 164.3	2 617.15	3 016.69	3 833.9	3 833.9
Interest income ₹			76.96	93.85	102.66	117.73	146.75
Расходы на обслуживание долга ₹			0.0767	0.0849	0.0832	0.2199	0.2484		0.2484
Чист. проц. доходы, млрд ₹			-0.0767	-0.0849	-0.0832	-0.2199	-0.2484		146.75

	2019Q3	2019Q4	2020Q1	2020Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹							10.32	44.55	33.02	42.34	15.91	32.48	34.98	50.81	47.46	33.15
Short Term Investments ₹							16.53				7.52
Long term investments ₹					1 118.3	1 181.86	954.19	1 239.15	1 312.69	1 374.58	1 130.15	1 491.75	1 568.53	1 628.93
Total Receivables ₹			7.96				4.47				3.82
Total Current Assets ₹	57.9	84.04	31.95	56.26					78.54	89.92
Чистые активы, млрд ₹	5.99	5.87	5.44	5.7		111.99	116.22	117.6	5.25	5.15
Активы, млрд ₹							2 733.37	2 690.28	2 884.4	3 069.7	3 146.86	3 347.44	3 524.22	3 812.21	3 982.99	4 226.68
Задолженность, млрд ₹							2 617.15	2 572.69	2 762.24	2 943.91	3 016.69	3 212.08	3 384.53	3 667.93	3 833.9	4 070.96

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS		6.11	13.27	14.23	14.56	15.05	17.19	18.91		18.91
Цена акции ао	693.6	596.45	961.8	904.25	1196.25	1231.6	1432.15	1390.5	1474.7	1474.7
Число акций ао, млн			1000	1000.03	1000.07	1000.37	1000.89	1001.47		1001.47
FCF/акцию			133.3	192.17	237.71	217.88	285.67	289.65		289.65

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
EPS			6.71	2.63	3.76	3.04	7.76	3.81	3.8	3.21	8.1	5.19
Цена акции ао	1132.3	1172.88	1146.92	1105.9	1244.42	1248.74	1175.63	1189.15	1307.66	1377.4

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	17.51	16.27	14	13.68	13.97	13.56		13.56	13.93
ROA, %	0.9042	0.8589	0.6418	0.6022	0.5852	0.5312		0.5312	2.83
ROS, %	3	3.25	1.77	1.82	2.13	1.43	1.43	1.43	58.24
ROCE, %	21.77	20.57	15.85	0.6327	0.6056			14.64	1015.19
Рентаб EBITDA, %								2.36	42.18
Чистая рентаб, %	3	3.25	1.77	1.82	2.13	1.43		1.43	58.24
Operation Margin, %					0	0	0	0	13.60

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	5.78	2.24	3.08	2.42	5.97	3.02	2.91	2.38	5.8	3.59	13.93
ROA, %	0.2459	0.0977	0.1306	0.0991	0.2469	0.1173	0.1107	0.0877	0.208	0.1266	2.83
ROS, %	3.27	5.47	1.36	1.13	3.65	1.37	1.32	0.8236	2.24	1.5	58.24
ROCE, %			3.58	2.75	6.31						1015.19
Чистая рентаб, %	3.27	5.47	1.36	1.13	3.65	1.37	1.32	0.8236	2.24	1.5	58.24

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	43.68	45.74	60.68	73.92	63.97	79.35		79.35	29.15
P/BV	7.65	7.44	8.49	9.58	8.46	10.08		10.08	3.06
P/S	1.31	1.49	1.08	1.34	1.36	1.14		1.14	11.92
P/FCF					4.62	4.55	4.55	4.55	5.66
E/P					0.013	0.0143	0.0143	0.0143	0.10
EV/Ebit						67.16	67.16	67.16
EV/S					1.59	0.9697	0.9697	0.9697	8.32
EV/FCF						4.41	4.41	4.41	-6.34
Debt/EBITDA					0	0	0	0	0.97
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0	0	0	0	0.24
Debt/Equity					0	0	0	0	239.17
Debt/Net Income					0	0	0	0	12.26
Бета					0.7083	3.63	4.43	4.43	0.79
Индекс Альтмана					0.7879	0.752	0.752	0.752	1.10

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
P/E	86.77	69.82	74.23	76.78	63.88	71.14	70.99	75.13	79.34	71.59	29.15
P/BV	9.58	9.18	10.19	9.87	8.44	9.66	9.36	9.69	10.08	9.34	3.06
P/S	1.66	1.5	1.69	1.55	1.36	1.26	1.25	1.19	1.14	1.05	11.92

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.2	1.5	2	2	2.5	4.5	2.7		2.7
Дивиденд		2	2		2.5	4.5	2.7	2.7	2.7
Див доход, ао, %		0.3067	0.2669	0.2755	0.2401	0.4126	0.35	0.1891	0.35	1.39
Дивиденды / прибыль, %	12.57	13.04	15.07	14.06	17.17	16.6	26.17	14.28	14.28	17.66

	2018Q2	2019Q2	2021Q2	2022Q1	2023Q1	Industry average	5 quarters average	CAGR 5
Дивиденд	2	2	2.5	2	2.5
Див доход, ао, %	0.2879	0.304	0.2601	0.1744	0.2127	1.39

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	CAGR 5
ebit_margin	4.11	2.01	2.05	2.36
Персонал, чел				20787	20787

	CAGR 5

	CAGR 5