SBI Life Insurance Company Analysis

dividend

Pros

Cons

• Unable to calculate sustainability of dividends as SBI Life Insurance has not reported any payouts.
• Unable to evaluate SBI Life Insurance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
• Unable to evaluate SBI Life Insurance's dividend against the top 25% market benchmark as the company has not reported any payouts.

health

Pros

• SBI Life Insurance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
• SBI Life Insurance is profitable, therefore cash runway is not a concern.
• SBI Life Insurance is profitable, therefore cash runway is not a concern.
• SBI Life Insurance has no debt, it does not need to be covered by operating cash flow.
• SBI Life Insurance has no debt, it does not need to be covered by short term assets.
• SBI Life Insurance has not taken on any debt in the past 5 years.
• SBI Life Insurance has no debt, therefore coverage of interest payments is not a concern.
• SBI Life Insurance has no debt.
• Low level of unsold assets.

Cons

• SBI Life Insurance's long term commitments exceed its cash and other short term assets.

management

Pros

• The tenure for the SBI Life Insurance board of directors is about average.
• More shares have been bought than sold by SBI Life Insurance individual insiders in the past 3 months.

Cons

• The average tenure for the SBI Life Insurance management team is less than 2 years, this suggests a new team.

misc

Pros

Cons

• SBI Life Insurance is not covered by any analysts.
• SBI Life Insurance has significant price volatility in the past 3 months.

past

Pros

• SBI Life Insurance's year on year earnings growth rate has been positive over the past 5 years.
• SBI Life Insurance's earnings growth has exceeded the IN Insurance industry average in the past year (7.2% vs 1.5%).

Cons

• SBI Life Insurance's 1-year earnings growth is less than its 5-year average (7.2% vs 16.1%)
• SBI Life Insurance used its assets less efficiently than the IN Insurance industry average last year based on Return on Assets.
• SBI Life Insurance's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
• SBI Life Insurance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

value

Pros

• SBI Life Insurance is good value based on earnings compared to the IN Insurance industry average.
• 540719 outperformed the Insurance industry which returned -7.3% over the past year.
• 540719 outperformed the Market in India which returned -14.8% over the past year.

Cons

• SBI Life Insurance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
• SBI Life Insurance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
• SBI Life Insurance is overvalued based on assets compared to the IN Insurance industry average.
• SBI Life Insurance is overvalued based on earnings compared to the India market.
• BSE:540719 is flat (-0.8%) underperforming the Insurance industry which returned 4.9% over the past month.
• BSE:540719 is flat (-0.8%) underperforming the market in India which returned 9% over the past month.