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SBI Life Insurance Complete Financial Statements

12 Years of Data
2026 - 2015

In FY2026, SBI Life Insurance (SBILIFE) reported revenue ₹99,956 Cr, net profit ₹2,470 Cr and EPS ₹24.64, with a net profit margin of 2.5% and ROE of 12.9%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore SBILIFE investment value to estimate fundamental worth using multiple valuation models.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin 2.47% 2026 data
EBITDA Margin -11.62% 2026 data
Operating Margin -12.00% 2026 data
Return on Assets 0.49% 2026 data
Return on Equity 12.94% 2026 data

Balance Sheet Ratios

Current Ratio 0.03 2026 data
Equity Ratio 3.82% 2026 data
Asset Turnover 0.20 2026 data

SBILIFE Revenue, Net Profit & EBITDA — Year-on-Year Growth

SBILIFE YoY (March 2025 vs March 2026) — revenue -15.5%, net profit +2.4%, EBITDA -518.2%, expenses -3.4%. Review SBILIFE price earnings ratio to evaluate earnings-based valuation against sector peers.

Revenue Growth
-15.5%
Year-over-Year
Net Profit Growth
+2.4%
Year-over-Year
EBITDA Growth
-518.2%
Year-over-Year
Expense Growth
-3.4%
Year-over-Year
Assets Growth
+10.9%
Year-over-Year
Equity Growth
+12.4%
Year-over-Year
Operating Cash Flow Growth
-12.3%
Year-over-Year
Investing Cash Flow Growth
+30.2%
Year-over-Year
Financing Cash Flow Growth
+5.3%
Year-over-Year

SBILIFE Income Statement — Revenue, EBITDA & Net Profit

SBI Life Insurance revenue ₹99,956 Cr, EBITDA ₹-11,610 Cr, net profit ₹2,470 Cr, EPS ₹24.64 (2026) — net profit margin 2.5%. For live price, earnings ratios and company overview, see SBI Life Insurance share price today.

Periods ₹ Crores
Particulars March 2026 March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018 March 2017 March 2016 March 2015
Revenue 99,956 118,245 133,665 82,394 84,016 82,780 44,326 44,780 34,224 30,686 19,445 23,473
Expenses 111,566 115,469 131,512 80,420 82,254 81,040 42,447 43,047 32,742 29,532 18,419 22,537
EBITDA -11,610 2,776 2,153 1,974 1,762 1,739 1,880 1,733 1,482 1,154 1,026 936
Operating Profit Margin % -12.00% 1.00% 1.00% 1.00% 1.00% 1.00% 3.00% 3.00% 3.00% 2.00% 4.00% 3.00%
Depreciation 0 84 76 68 75 99 89 92 59 0 0 0
Interest 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 2,697 2,495 1,942 1,758 1,561 1,543 1,414 1,373 1,185 975 874 835
Tax 227 81 48 38 55 87 -9 46 34 20 13 14
Net Profit 2,470 2,413 1,894 1,721 1,506 1,456 1,422 1,327 1,150 955 861 820
Earnings Per Share (₹) 24.64 24.09 18.92 17.19 15.06 14.56 14.22 13.27 11.50 9.55 8.61 8.20

SBILIFE Balance Sheet — Assets, Liabilities & Shareholders' Equity

SBILIFE total assets ₹500,046 Cr, total equity ₹19,086 Cr, total liabilities ₹ Cr (2026) — ROE 12.9%.

Years Annual Data ₹ Crores
Particulars 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
ASSETS
Total Assets 500,046 450,923 392,783 309,587 268,207 222,592 162,558 142,998 118,156 99,225 80,725 72,211
Current Assets 12,386 8,557 11,741 9,354 7,616 7,151 5,821 6,641 6,532 5,693 5,016 4,436
Fixed Assets 688 1,894 1,199 867 919 894 568 563 511 507 301 265
Capital Work in Progress 0 10 6 1 3 2 13 32 70 31 146 7
Investments 0 447,467 385,590 304,334 264,832 218,756 158,813 139,325 114,436 95,830 77,843 69,385
Other Assets 0 1,552 5,989 4,385 2,453 2,941 3,164 3,078 3,139 2,856 2,435 2,554
LIABILITIES
Total Liabilities
Current Liabilities 472,967 433,938 377,874 296,569 256,585 212,192 153,815 135,421 111,628 93,673 75,992 68,171
Non-Current Liabilities
SHAREHOLDERS' EQUITY
Total Equity 19,086 16,985 14,909 13,018 11,622 10,400 8,743 7,576 6,528 5,552 4,733 4,039
Share Capital 1,003 1,002 1,002 1,001 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Reserves & Surplus 18,083 15,791 13,590 11,924 10,418 9,093 7,884 6,460 5,375 4,465 3,691 2,974

SBILIFE Cash Flow Statement — Operating, Investing & Financing

SBI Life Insurance operating cash flow ₹25,547 Cr, investing ₹-21,789 Cr, financing ₹-215 Cr, net cash flow ₹3,543 Cr (2025).

Periods ₹ Crores
Particulars March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018 March 2017 March 2016 March 2015
Operating Activities 25,547 29,122 28,656 21,852 23,878 19,299 13,473 10,395 8,525 5,778 2,712
Investing Activities -21,789 -31,221 -30,203 -21,611 -19,203 -16,986 -13,552 -8,910 -9,032 -7,204 -178
Financing Activities -215 -227 -415 -231 3 -199 -241 -221 -144 -144 -117
Net Cash Flow 3,543 -2,327 -1,962 10 4,677 2,114 -321 1,264 -651 -1,570 2,416