SBI Life Insurance Company Limited (SBILIFE) - Net Assets
Based on the latest financial reports, SBI Life Insurance Company Limited (SBILIFE) has net assets worth Rs190.20 Billion INR (≈ $2.06 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs5.21 Trillion ≈ $56.31 Billion USD) and total liabilities (Rs5.02 Trillion ≈ $54.25 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are SBI Life Insurance Company Limited's assets to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs190.20 Billion |
| % of Total Assets | 3.65% |
| Annual Growth Rate | 16.43% |
| 5-Year Change | 63.31% |
| 10-Year Change | 258.86% |
| Growth Volatility | 3.12 |
SBI Life Insurance Company Limited - Net Assets Trend (2013–2025)
This chart illustrates how SBI Life Insurance Company Limited's net assets have evolved over time, based on quarterly financial data. Also explore SBILIFE current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for SBI Life Insurance Company Limited (2013–2025)
The table below shows the annual net assets of SBI Life Insurance Company Limited from 2013 to 2025. For live valuation and market cap data, see SBI Life Insurance Company Limited (SBILIFE) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs169.85 Billion ≈ $1.84 Billion |
+13.93% |
| 2024-03-31 | Rs149.09 Billion ≈ $1.61 Billion |
+13.77% |
| 2023-03-31 | Rs131.05 Billion ≈ $1.42 Billion |
+12.75% |
| 2022-03-31 | Rs116.22 Billion ≈ $1.26 Billion |
+11.75% |
| 2021-03-31 | Rs104.00 Billion ≈ $1.12 Billion |
+18.96% |
| 2020-03-31 | Rs87.43 Billion ≈ $945.53 Million |
+15.40% |
| 2019-03-31 | Rs75.76 Billion ≈ $819.35 Million |
+16.06% |
| 2018-03-31 | Rs65.28 Billion ≈ $705.96 Million |
+17.57% |
| 2017-03-31 | Rs55.52 Billion ≈ $600.44 Million |
+17.30% |
| 2016-03-31 | Rs47.33 Billion ≈ $511.87 Million |
+16.68% |
| 2015-03-31 | Rs40.56 Billion ≈ $438.68 Million |
+20.86% |
| 2014-03-31 | Rs33.56 Billion ≈ $362.97 Million |
+22.65% |
| 2013-03-31 | Rs27.36 Billion ≈ $295.93 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to SBI Life Insurance Company Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 814.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs156.31 Billion | 92.02% |
| Common Stock | Rs10.02 Billion | 5.90% |
| Other Comprehensive Income | Rs1.93 Billion | 1.13% |
| Other Components | Rs1.60 Billion | 0.94% |
| Total Equity | Rs169.85 Billion | 100.00% |
SBI Life Insurance Company Limited Competitors by Market Cap
The table below lists competitors of SBI Life Insurance Company Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Snap-On Inc
NYSE:SNA
|
$19.75 Billion |
|
Yuanjie Semiconductor Technology Co. Ltd. A
SHG:688498
|
$19.76 Billion |
|
KUAISHOU TECHNOLOGY CL.B
F:5Y0
|
$19.80 Billion |
|
EXACT Sciences Corporation
NASDAQ:EXAS
|
$19.80 Billion |
|
Jardine Matheson Holdings Limited
F:H4W
|
$19.71 Billion |
|
Qingdao Haier Co Ltd
SHG:600690
|
$19.70 Billion |
|
Bouygues SA
PA:EN
|
$19.69 Billion |
|
Ast Spacemobile Inc
NASDAQ:ASTS
|
$19.68 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in SBI Life Insurance Company Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 149,085,606,000 to 169,853,500,000, a change of 20,767,894,000 (13.9%).
- Net income of 24,133,000,000 contributed positively to equity growth.
- Dividend payments of 2,706,000,000 reduced retained earnings.
- Share repurchases of 557,900,000 reduced equity.
- New share issuances of 557,900,000 increased equity.
- Other comprehensive income decreased equity by 1,264,796,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs24.13 Billion | +14.21% |
| Dividends Paid | Rs2.71 Billion | -1.59% |
| Share Repurchases | Rs557.90 Million | -0.33% |
| Share Issuances | Rs557.90 Million | +0.33% |
| Other Comprehensive Income | Rs-1.26 Billion | -0.74% |
| Other Changes | Rs605.69 Million | +0.36% |
| Total Change | Rs- | 13.93% |
Book Value vs Market Value Analysis
This analysis compares SBI Life Insurance Company Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 10.74x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 66.47x to 10.74x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-03-31 | Rs27.36 | Rs1819.00 | x |
| 2014-03-31 | Rs33.56 | Rs1819.00 | x |
| 2015-03-31 | Rs40.56 | Rs1819.00 | x |
| 2016-03-31 | Rs47.33 | Rs1819.00 | x |
| 2017-03-31 | Rs55.52 | Rs1819.00 | x |
| 2018-03-31 | Rs65.28 | Rs1819.00 | x |
| 2019-03-31 | Rs75.76 | Rs1819.00 | x |
| 2020-03-31 | Rs87.43 | Rs1819.00 | x |
| 2021-03-31 | Rs103.96 | Rs1819.00 | x |
| 2022-03-31 | Rs116.20 | Rs1819.00 | x |
| 2023-03-31 | Rs130.09 | Rs1819.00 | x |
| 2024-03-31 | Rs148.80 | Rs1819.00 | x |
| 2025-03-31 | Rs169.41 | Rs1819.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently SBI Life Insurance Company Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.21%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 2.09%
- • Asset Turnover: 0.25x
- • Equity Multiplier: 26.91x
- Recent ROE (14.21%) is below the historical average (16.79%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 23.03% | 4.33% | 0.27x | 19.63x | Rs3.56 Billion |
| 2014 | 21.68% | 4.28% | 0.28x | 18.07x | Rs3.92 Billion |
| 2015 | 20.09% | 3.54% | 0.31x | 18.27x | Rs4.09 Billion |
| 2016 | 17.83% | 4.45% | 0.23x | 17.63x | Rs3.71 Billion |
| 2017 | 17.19% | 3.14% | 0.30x | 18.41x | Rs3.99 Billion |
| 2018 | 17.62% | 3.39% | 0.28x | 18.64x | Rs4.98 Billion |
| 2019 | 17.51% | 2.98% | 0.30x | 19.37x | Rs5.69 Billion |
| 2020 | 16.27% | 3.25% | 0.26x | 18.94x | Rs5.48 Billion |
| 2021 | 14.00% | 1.77% | 0.36x | 21.81x | Rs4.16 Billion |
| 2022 | 12.96% | 1.82% | 0.30x | 23.52x | Rs3.44 Billion |
| 2023 | 13.22% | 2.13% | 0.26x | 24.17x | Rs4.19 Billion |
| 2024 | 12.70% | 1.45% | 0.33x | 26.72x | Rs4.03 Billion |
| 2025 | 14.21% | 2.09% | 0.25x | 26.91x | Rs7.15 Billion |
Industry Comparison
This section compares SBI Life Insurance Company Limited's net assets metrics with peer companies in the Insurance - Life industry.
Industry Context
- Industry: Insurance - Life
- Average net assets among peers: $364,046,087,750
- Average return on equity (ROE) among peers: 8.25%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SBI Life Insurance Company Limited (SBILIFE) | Rs190.20 Billion | 23.03% | 26.38x | $19.73 Billion |
| HDFC Life Insurance Company Limited (HDFCLIFE) | $68.07 Billion | 19.06% | 18.43x | $13.69 Billion |
| ICICI Prudential Life Insurance Company Limited (ICICIPRULI) | $110.05 Billion | 7.73% | 26.17x | $8.05 Billion |
| Life Insurance Corporation Of India (LICI) | $1.28 Trillion | 37.90% | 43.40x | $54.58 Billion |
| Max Financial Services Limited (MFSL) | $3.04 Billion | -31.71% | 1.01x | $5.92 Billion |
About SBI Life Insurance Company Limited
SBI Life Insurance Company Limited operates as a private life insurance company in India. The company's life insurance business comprises individual and group life insurance products, including participating, non-participating, pension, group gratuity, group leave encashment, group superannuation, group immediate annuity, unit-linked and variable insurance products, health, and micro insurance. I… Read more