SBILIFE · Insurance (Life) · INE123W01016
Analyst mean 1.46 · 35 analysts · 57% bullishWhat the numbers mean when read together — computed from the filings, not a score.
Operating cash flow is 1327% of trailing profit — the earnings are converting to cash, not just accruals.
Last operating cash flow ₹34,523 cr against trailing net profit ₹2,602 cr. A ratio at or above ~0.9 means reported profit is showing up as real cash.
Free cash flow is positive and consistent — the business funds itself after capex.
Latest free cash flow ₹34,338 cr. Negative in only 0 of 12 years. A self-funding business needs less external capital and dilutes less.
Other income is 70% of pre-tax profit — a large share of the profit comes from outside the core operating business.
Trailing other income ₹1,992 cr against pre-tax profit ₹2,834 cr. High other-income dependence means the headline profit is flattered by treasury, one-offs, or non-operating items rather than the core business.
Markers show corporate actions (splits, bonus, dividends). Prices are split-adjusted so the series is continuous.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 40,302 | 18,862 | 23,071 | 38,996 | 23,115 | 46,133 | 4,071 | 46,337 |
| Expenses | 39,696 | 18,266 | 23,520 | 38,333 | 22,600 | 45,517 | 5,117 | 45,579 |
| Other Income | -4 | -3 | 1,350 | -8 | 16 | 27 | 1,913 | 36 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 601 | 594 | 901 | 656 | 532 | 642 | 867 | 793 |
| Net Profit | 529 | 551 | 814 | 594 | 495 | 577 | 805 | 725 |
| EPS | 5.28 | 5.50 | 8.12 | 5.93 | 4.93 | 5.75 | 8.02 | 7.23 |
| Item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity Capital | 1,000 | 1,000 | 1,001 | 1,001 | 1,002 | 1,003 |
| Reserves | 9,400 | 10,622 | 12,017 | 13,907 | 15,983 | 18,083 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 564 | 919 | 520 | 551 | 580 | 647 |
| CWIP | 1 | 3 | 1 | 6 | 10 | 41 |
| Investments | 218,756 | 264,437 | 304,334 | 385,590 | 447,467 | 486,367 |
| Total Assets | 226,830 | 273,337 | 314,599 | 398,277 | 457,095 | 500,046 |