Share Price and Basic Stock Data
Last Updated: December 8, 2025, 11:48 pm
| PEG Ratio | 12.78 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
HDFC Life Insurance Company Ltd, a prominent player in the Indian life insurance sector, has showcased remarkable revenue trends over the years. For the fiscal year ending March 2025, the company’s revenue stood at ₹92,922 Cr, a noteworthy increase from ₹70,207 Cr in March 2023. The quarterly figures reveal a consistent upward trajectory, with sales reaching ₹28,041 Cr in March 2024 and ₹29,463 Cr in June 2025. This growth reflects not only an expanding customer base but also HDFC Life’s ability to adapt to market demands. The company’s resilience is further evidenced by its sales performance, which has shown fluctuations yet remained robust, particularly with the latest quarter’s sales reaching ₹29,463 Cr. The life insurance industry in India has been growing, and HDFC Life appears well-positioned to capitalize on this trend, supported by its strong brand reputation and distribution network.
Profitability and Efficiency Metrics
Profitability metrics for HDFC Life tell a mixed story. The net profit for the fiscal year 2025 reached ₹1,811 Cr, a significant recovery from ₹1,368 Cr in 2023, indicating a rebound in profitability. However, the operating profit margin (OPM) remains a concern, standing at just 1% for the latest fiscal year. This is reflective of the challenges faced in managing operational costs amidst growing competition and regulatory pressures. The return on equity (ROE) has shown improvement, rising to 11.20% in March 2025 from 10.73% the previous year, suggesting that the company is becoming more effective in generating returns on shareholder investments. Furthermore, the interest coverage ratio (ICR) at 11.52x appears strong, indicating that HDFC Life can comfortably cover its interest obligations, which is crucial given its recent increase in borrowings to ₹2,950 Cr.
Balance Sheet Strength and Financial Ratios
Examining HDFC Life’s balance sheet, the company maintains a solid financial position, with total assets amounting to ₹349,412 Cr as of March 2025. The reserves have grown significantly to ₹14,002 Cr, reflecting a strong retention of earnings that can be reinvested into the business. However, the price-to-book value ratio (P/BV) is a concerning 9.14x, suggesting that the stock may be overvalued compared to its book value. This high valuation could deter potential investors looking for value opportunities. The debt-to-equity ratio stands at a manageable 0.18, indicating that the company has not over-leveraged itself despite the recent increase in borrowings. Overall, while the balance sheet reflects strength, the high valuation ratios may require careful consideration from investors.
Shareholding Pattern and Investor Confidence
HDFC Life’s shareholding pattern indicates a well-distributed ownership structure that could inspire confidence among investors. The promoters hold 50.25% of the company, which provides a stable base of control and commitment. Institutional investors, including foreign institutional investors (FIIs) at 24.82% and domestic institutional investors (DIIs) at 14.59%, reflect a healthy interest from institutional players. However, the public shareholding has been on a declining trend, dropping from 13.50% in December 2022 to 10.32% in March 2025. This decline could raise some concerns about retail investor confidence. Nevertheless, the steady presence of FIIs suggests that larger institutional investors still see value in HDFC Life, which could bode well for long-term stability and growth.
Outlook, Risks, and Final Insight
Looking ahead, HDFC Life faces a mix of opportunities and challenges. The growing awareness of the importance of life insurance in India presents a favorable market environment. However, the company must navigate risks such as increasing competition from both established players and new entrants, which could pressure margins. Additionally, regulatory changes and economic fluctuations could impact profitability. Investors should also consider the high valuation ratios, which may limit upside potential. Given these dynamics, HDFC Life’s performance will likely hinge on its ability to innovate, manage costs effectively, and maintain customer trust. The company’s strong brand and distribution capabilities provide a solid foundation, yet investors should remain vigilant about market conditions and competitors. Balancing these factors will be crucial for anyone considering an investment in HDFC Life.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of HDFC Life Insurance Company Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| SBI Life Insurance Company Ltd (SBILIFE) | 2,02,767 Cr. | 2,021 | 2,087/1,373 | 82.6 | 182 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 58,516 Cr. | 1,695 | 1,765/950 | 358 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 89,308 Cr. | 616 | 701/517 | 68.3 | 87.9 | 0.14 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,64,815 Cr. | 764 | 821/584 | 87.0 | 78.7 | 0.27 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 128,851.50 Cr | 1,274.00 | 148.98 | 125.65 | 0.14% | 10.88% | 10.89% | 8.00 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,690 | 23,083 | 19,577 | 20,857 | 23,371 | 23,142 | 26,927 | 28,041 | 26,934 | 28,497 | 17,300 | 24,191 | 29,463 |
| Expenses | 6,386 | 22,815 | 19,787 | 21,215 | 23,045 | 23,557 | 26,663 | 27,766 | 26,623 | 28,807 | 16,852 | 23,814 | 29,024 |
| Operating Profit | 304 | 268 | -210 | -358 | 326 | -415 | 264 | 275 | 311 | -310 | 448 | 377 | 439 |
| OPM % | 5% | 1% | -1% | -2% | 1% | -2% | 1% | 1% | 1% | -1% | 3% | 2% | 1% |
| Other Income | 74 | 87 | 394 | 882 | 114 | 136 | 103 | 174 | 90 | 279 | -29 | 124 | 164 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 378 | 355 | 184 | 525 | 440 | -279 | 367 | 450 | 401 | -30 | 419 | 500 | 604 |
| Tax % | 4% | 7% | -72% | 31% | 5% | -235% | -0% | 8% | -20% | -1,541% | -1% | 5% | 9% |
| Net Profit | 361 | 329 | 316 | 362 | 417 | 378 | 368 | 412 | 479 | 435 | 421 | 475 | 548 |
| EPS in Rs | 1.71 | 1.53 | 1.47 | 1.68 | 1.94 | 1.76 | 1.71 | 1.91 | 2.23 | 2.02 | 1.96 | 2.21 | 2.54 |
Last Updated: August 1, 2025, 8:25 pm
Below is a detailed analysis of the quarterly data for HDFC Life Insurance Company Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 29,463.00 Cr.. The value appears strong and on an upward trend. It has increased from 24,191.00 Cr. (Mar 2025) to 29,463.00 Cr., marking an increase of 5,272.00 Cr..
- For Expenses, as of Jun 2025, the value is 29,024.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23,814.00 Cr. (Mar 2025) to 29,024.00 Cr., marking an increase of 5,210.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 439.00 Cr.. The value appears strong and on an upward trend. It has increased from 377.00 Cr. (Mar 2025) to 439.00 Cr., marking an increase of 62.00 Cr..
- For OPM %, as of Jun 2025, the value is 1.00%. The value appears to be declining and may need further review. It has decreased from 2.00% (Mar 2025) to 1.00%, marking a decrease of 1.00%.
- For Other Income, as of Jun 2025, the value is 164.00 Cr.. The value appears strong and on an upward trend. It has increased from 124.00 Cr. (Mar 2025) to 164.00 Cr., marking an increase of 40.00 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 604.00 Cr.. The value appears strong and on an upward trend. It has increased from 500.00 Cr. (Mar 2025) to 604.00 Cr., marking an increase of 104.00 Cr..
- For Tax %, as of Jun 2025, the value is 9.00%. The value appears to be increasing, which may not be favorable. It has increased from 5.00% (Mar 2025) to 9.00%, marking an increase of 4.00%.
- For Net Profit, as of Jun 2025, the value is 548.00 Cr.. The value appears strong and on an upward trend. It has increased from 475.00 Cr. (Mar 2025) to 548.00 Cr., marking an increase of 73.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.54. The value appears strong and on an upward trend. It has increased from 2.21 (Mar 2025) to 2.54, marking an increase of 0.33.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: July 22, 2025, 3:44 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 17,166 | 27,215 | 18,141 | 30,647 | 32,260 | 38,855 | 29,380 | 71,528 | 67,126 | 70,207 | 101,482 | 92,922 | 99,451 |
| Expenses | 16,561 | 26,341 | 17,187 | 29,674 | 31,186 | 37,640 | 28,239 | 70,294 | 66,348 | 70,127 | 100,836 | 91,894 | 98,497 |
| Operating Profit | 605 | 874 | 953 | 972 | 1,074 | 1,215 | 1,141 | 1,235 | 778 | 80 | 646 | 1,028 | 955 |
| OPM % | 4% | 3% | 5% | 3% | 3% | 3% | 4% | 2% | 1% | 0% | 1% | 1% | 1% |
| Other Income | 241 | 79 | 108 | 139 | 282 | 136 | 369 | 445 | 766 | 1,437 | 410 | 366 | 538 |
| Interest | 11 | -14 | 8 | 9 | 11 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 41 | 43 | 45 | 41 | 44 | 45 | 47 | 51 | 56 | 76 | 79 | 104 | 0 |
| Profit before tax | 794 | 924 | 1,008 | 1,061 | 1,300 | 1,291 | 1,463 | 1,629 | 1,487 | 1,441 | 977 | 1,290 | 1,493 |
| Tax % | 9% | 15% | 19% | 16% | 15% | 1% | 11% | 16% | 11% | 5% | -61% | -40% | |
| Net Profit | 725 | 786 | 817 | 887 | 1,107 | 1,278 | 1,297 | 1,361 | 1,327 | 1,368 | 1,574 | 1,811 | 1,880 |
| EPS in Rs | 3.64 | 3.94 | 4.09 | 4.44 | 5.50 | 6.33 | 6.43 | 6.73 | 6.28 | 6.37 | 7.32 | 8.41 | 8.73 |
| Dividend Payout % | 14% | 18% | 22% | 25% | 25% | 26% | 0% | 30% | 27% | 30% | 27% | 25% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 8.41% | 3.94% | 8.57% | 24.80% | 15.45% | 1.49% | 4.93% | -2.50% | 3.09% | 15.06% | 15.06% |
| Change in YoY Net Profit Growth (%) | 0.00% | -4.47% | 4.62% | 16.23% | -9.36% | -13.96% | 3.45% | -7.43% | 5.59% | 11.97% | -0.00% |
HDFC Life Insurance Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 26% |
| 3 Years: | 11% |
| TTM: | -5% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 5% |
| 3 Years: | 8% |
| TTM: | 15% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 6% |
| 3 Years: | 10% |
| 1 Year: | 0% |
| Return on Equity | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 11% |
| 3 Years: | 10% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 5:45 am
Balance Sheet
Last Updated: July 25, 2025, 3:07 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,995 | 1,995 | 1,995 | 1,998 | 2,012 | 2,017 | 2,019 | 2,021 | 2,113 | 2,149 | 2,151 | 2,153 |
| Reserves | -67 | 546 | 1,108 | 1,828 | 2,693 | 3,625 | 4,788 | 6,619 | 13,501 | 10,844 | 12,515 | 14,002 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600 | 600 | 950 | 950 | 2,950 |
| Other Liabilities | 50,347 | 66,767 | 73,441 | 91,270 | 105,778 | 124,378 | 125,417 | 170,415 | 214,521 | 234,126 | 287,071 | 330,307 |
| Total Liabilities | 52,275 | 69,309 | 76,544 | 95,097 | 110,483 | 130,020 | 132,224 | 179,655 | 230,734 | 248,069 | 302,687 | 349,412 |
| Fixed Assets | 279 | 346 | 335 | 337 | 336 | 370 | 322 | 585 | 6,605 | 997 | 1,549 | 2,143 |
| CWIP | 10 | 6 | 12 | 16 | 5 | 10 | 8 | 14 | 20 | 31 | 28 | 109 |
| Investments | 50,527 | 67,024 | 74,144 | 91,723 | 106,590 | 124,958 | 127,256 | 173,564 | 216,551 | 238,197 | 291,128 | 334,756 |
| Other Assets | 1,458 | 1,932 | 2,053 | 3,020 | 3,551 | 4,682 | 4,637 | 5,493 | 7,559 | 8,844 | 9,982 | 12,404 |
| Total Assets | 52,275 | 69,309 | 76,544 | 95,097 | 110,483 | 130,020 | 132,224 | 179,655 | 230,734 | 248,069 | 302,687 | 349,412 |
Below is a detailed analysis of the balance sheet data for HDFC Life Insurance Company Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 2,153.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,151.00 Cr. (Mar 2024) to 2,153.00 Cr., marking an increase of 2.00 Cr..
- For Reserves, as of Mar 2025, the value is 14,002.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,515.00 Cr. (Mar 2024) to 14,002.00 Cr., marking an increase of 1,487.00 Cr..
- For Borrowings, as of Mar 2025, the value is 2,950.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 950.00 Cr. (Mar 2024) to 2,950.00 Cr., marking an increase of 2,000.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 330,307.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 287,071.00 Cr. (Mar 2024) to 330,307.00 Cr., marking an increase of 43,236.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 349,412.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 302,687.00 Cr. (Mar 2024) to 349,412.00 Cr., marking an increase of 46,725.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 2,143.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,549.00 Cr. (Mar 2024) to 2,143.00 Cr., marking an increase of 594.00 Cr..
- For CWIP, as of Mar 2025, the value is 109.00 Cr.. The value appears strong and on an upward trend. It has increased from 28.00 Cr. (Mar 2024) to 109.00 Cr., marking an increase of 81.00 Cr..
- For Investments, as of Mar 2025, the value is 334,756.00 Cr.. The value appears strong and on an upward trend. It has increased from 291,128.00 Cr. (Mar 2024) to 334,756.00 Cr., marking an increase of 43,628.00 Cr..
- For Other Assets, as of Mar 2025, the value is 12,404.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,982.00 Cr. (Mar 2024) to 12,404.00 Cr., marking an increase of 2,422.00 Cr..
- For Total Assets, as of Mar 2025, the value is 349,412.00 Cr.. The value appears strong and on an upward trend. It has increased from 302,687.00 Cr. (Mar 2024) to 349,412.00 Cr., marking an increase of 46,725.00 Cr..
Notably, the Reserves (14,002.00 Cr.) exceed the Borrowings (2,950.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 605.00 | 874.00 | 953.00 | 972.00 | 1.00 | 1.00 | 1.00 | -599.00 | 178.00 | -870.00 | -304.00 | -1.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -11 | -11 | -27 | -20 | -25 | -16 | -17 | -13 | -11 | -12 | -8 | -6 |
| ROCE % | 49% | 41% | 36% | 31% | 31% | 23% | 24% | 20% | 12% | 10% | 5% | 7% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Large Cap Fund | 18,217,813 | 2.44 | 1333.27 | N/A | N/A | N/A |
| ICICI Prudential India Opportunities Fund | 12,290,818 | 2.75 | 899.5 | 4,689,122 | 2025-12-08 08:59:36 | 162.11% |
| ICICI Prudential Large Cap Fund | 11,578,805 | 1.12 | 847.39 | N/A | N/A | N/A |
| ICICI Prudential Value Fund | 10,831,139 | 1.37 | 792.68 | N/A | N/A | N/A |
| Nippon India Small Cap Fund | 5,739,968 | 0.61 | 420.08 | N/A | N/A | N/A |
| Nippon India Large Cap Fund | 5,500,000 | 0.82 | 402.52 | N/A | N/A | N/A |
| ICICI Prudential Multi Asset Fund | 5,069,180 | 0.52 | 370.99 | 7,130,756 | 2025-12-08 08:59:36 | -28.91% |
| ICICI Prudential Banking and Financial Services | 4,884,950 | 3.38 | 357.51 | 5,065,853 | 2025-12-08 08:59:36 | -3.57% |
| Axis ELSS Tax Saver Fund | 4,727,026 | 0.98 | 345.95 | N/A | N/A | N/A |
| Franklin India Focused Equity Fund | 4,700,000 | 2.72 | 343.97 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 8.41 | 7.32 | 6.41 | 6.49 | 6.74 |
| Diluted EPS (Rs.) | 8.41 | 7.31 | 6.41 | 6.48 | 6.73 |
| Cash EPS (Rs.) | 8.89 | 7.68 | 6.72 | 6.55 | 6.98 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 75.03 | 68.19 | 60.44 | 73.89 | 55.38 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 75.03 | 68.19 | 60.44 | 73.89 | 55.38 |
| Revenue From Operations / Share (Rs.) | 450.17 | 471.80 | 326.64 | 317.74 | 353.71 |
| PBDIT / Share (Rs.) | 6.82 | 5.17 | 6.93 | 7.13 | 8.93 |
| PBIT / Share (Rs.) | 6.34 | 4.80 | 6.58 | 6.87 | 8.68 |
| PBT / Share (Rs.) | 5.75 | 4.43 | 6.19 | 6.74 | 8.59 |
| Net Profit / Share (Rs.) | 8.41 | 7.32 | 6.37 | 6.28 | 6.73 |
| NP After MI And SOA / Share (Rs.) | 8.41 | 7.32 | 6.37 | 6.28 | 6.73 |
| PBDIT Margin (%) | 1.51 | 1.09 | 2.12 | 2.24 | 2.52 |
| PBIT Margin (%) | 1.40 | 1.01 | 2.01 | 2.16 | 2.45 |
| PBT Margin (%) | 1.27 | 0.93 | 1.89 | 2.12 | 2.42 |
| Net Profit Margin (%) | 1.86 | 1.55 | 1.94 | 1.97 | 1.90 |
| NP After MI And SOA Margin (%) | 1.86 | 1.55 | 1.94 | 1.97 | 1.90 |
| Return on Networth / Equity (%) | 11.20 | 10.73 | 10.53 | 8.50 | 12.15 |
| Return on Capital Employeed (%) | 0.40 | 0.35 | 0.58 | 0.64 | 1.01 |
| Return On Assets (%) | 0.51 | 0.52 | 0.55 | 0.57 | 0.75 |
| Long Term Debt / Equity (X) | 0.18 | 0.06 | 0.07 | 0.03 | 0.05 |
| Total Debt / Equity (X) | 0.18 | 0.06 | 0.07 | 0.03 | 0.05 |
| Asset Turnover Ratio (%) | 0.29 | 0.36 | 0.29 | 0.33 | 0.45 |
| Current Ratio (X) | 1.03 | 0.91 | 0.86 | 0.90 | 0.77 |
| Quick Ratio (X) | 1.03 | 0.91 | 0.86 | 0.90 | 0.77 |
| Dividend Payout Ratio (NP) (%) | 23.75 | 25.94 | 26.25 | 30.78 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 22.48 | 24.71 | 24.87 | 29.53 | 0.00 |
| Earning Retention Ratio (%) | 76.25 | 74.06 | 73.75 | 69.22 | 0.00 |
| Cash Earning Retention Ratio (%) | 77.52 | 75.29 | 75.13 | 70.47 | 0.00 |
| Interest Coverage Ratio (X) | 11.52 | 13.90 | 18.07 | 58.91 | 97.97 |
| Interest Coverage Ratio (Post Tax) (X) | 14.80 | 20.37 | 16.27 | 50.45 | 80.68 |
| Enterprise Value (Cr.) | 148727.28 | 135546.16 | 107111.55 | 112936.58 | 140107.92 |
| EV / Net Operating Revenue (X) | 1.53 | 1.34 | 1.53 | 1.68 | 1.96 |
| EV / EBITDA (X) | 101.27 | 121.92 | 71.92 | 74.96 | 77.61 |
| MarketCap / Net Operating Revenue (X) | 1.52 | 1.34 | 1.53 | 1.69 | 1.97 |
| Retention Ratios (%) | 76.24 | 74.05 | 73.74 | 69.21 | 0.00 |
| Price / BV (X) | 9.14 | 9.28 | 8.26 | 7.28 | 12.56 |
| Price / Net Operating Revenue (X) | 1.52 | 1.34 | 1.53 | 1.69 | 1.97 |
| EarningsYield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
After reviewing the key financial ratios for HDFC Life Insurance Company Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.32 (Mar 24) to 8.41, marking an increase of 1.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.31 (Mar 24) to 8.41, marking an increase of 1.10.
- For Cash EPS (Rs.), as of Mar 25, the value is 8.89. This value is within the healthy range. It has increased from 7.68 (Mar 24) to 8.89, marking an increase of 1.21.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 75.03. It has increased from 68.19 (Mar 24) to 75.03, marking an increase of 6.84.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 75.03. It has increased from 68.19 (Mar 24) to 75.03, marking an increase of 6.84.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 450.17. It has decreased from 471.80 (Mar 24) to 450.17, marking a decrease of 21.63.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 6.82. This value is within the healthy range. It has increased from 5.17 (Mar 24) to 6.82, marking an increase of 1.65.
- For PBIT / Share (Rs.), as of Mar 25, the value is 6.34. This value is within the healthy range. It has increased from 4.80 (Mar 24) to 6.34, marking an increase of 1.54.
- For PBT / Share (Rs.), as of Mar 25, the value is 5.75. This value is within the healthy range. It has increased from 4.43 (Mar 24) to 5.75, marking an increase of 1.32.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.32 (Mar 24) to 8.41, marking an increase of 1.09.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.32 (Mar 24) to 8.41, marking an increase of 1.09.
- For PBDIT Margin (%), as of Mar 25, the value is 1.51. This value is below the healthy minimum of 10. It has increased from 1.09 (Mar 24) to 1.51, marking an increase of 0.42.
- For PBIT Margin (%), as of Mar 25, the value is 1.40. This value is below the healthy minimum of 10. It has increased from 1.01 (Mar 24) to 1.40, marking an increase of 0.39.
- For PBT Margin (%), as of Mar 25, the value is 1.27. This value is below the healthy minimum of 10. It has increased from 0.93 (Mar 24) to 1.27, marking an increase of 0.34.
- For Net Profit Margin (%), as of Mar 25, the value is 1.86. This value is below the healthy minimum of 5. It has increased from 1.55 (Mar 24) to 1.86, marking an increase of 0.31.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 1.86. This value is below the healthy minimum of 8. It has increased from 1.55 (Mar 24) to 1.86, marking an increase of 0.31.
- For Return on Networth / Equity (%), as of Mar 25, the value is 11.20. This value is below the healthy minimum of 15. It has increased from 10.73 (Mar 24) to 11.20, marking an increase of 0.47.
- For Return on Capital Employeed (%), as of Mar 25, the value is 0.40. This value is below the healthy minimum of 10. It has increased from 0.35 (Mar 24) to 0.40, marking an increase of 0.05.
- For Return On Assets (%), as of Mar 25, the value is 0.51. This value is below the healthy minimum of 5. It has decreased from 0.52 (Mar 24) to 0.51, marking a decrease of 0.01.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.18. This value is below the healthy minimum of 0.2. It has increased from 0.06 (Mar 24) to 0.18, marking an increase of 0.12.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.18. This value is within the healthy range. It has increased from 0.06 (Mar 24) to 0.18, marking an increase of 0.12.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.29. It has decreased from 0.36 (Mar 24) to 0.29, marking a decrease of 0.07.
- For Current Ratio (X), as of Mar 25, the value is 1.03. This value is below the healthy minimum of 1.5. It has increased from 0.91 (Mar 24) to 1.03, marking an increase of 0.12.
- For Quick Ratio (X), as of Mar 25, the value is 1.03. This value is within the healthy range. It has increased from 0.91 (Mar 24) to 1.03, marking an increase of 0.12.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 23.75. This value is within the healthy range. It has decreased from 25.94 (Mar 24) to 23.75, marking a decrease of 2.19.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 22.48. This value is within the healthy range. It has decreased from 24.71 (Mar 24) to 22.48, marking a decrease of 2.23.
- For Earning Retention Ratio (%), as of Mar 25, the value is 76.25. This value exceeds the healthy maximum of 70. It has increased from 74.06 (Mar 24) to 76.25, marking an increase of 2.19.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 77.52. This value exceeds the healthy maximum of 70. It has increased from 75.29 (Mar 24) to 77.52, marking an increase of 2.23.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 11.52. This value is within the healthy range. It has decreased from 13.90 (Mar 24) to 11.52, marking a decrease of 2.38.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 14.80. This value is within the healthy range. It has decreased from 20.37 (Mar 24) to 14.80, marking a decrease of 5.57.
- For Enterprise Value (Cr.), as of Mar 25, the value is 148,727.28. It has increased from 135,546.16 (Mar 24) to 148,727.28, marking an increase of 13,181.12.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 1.53. This value is within the healthy range. It has increased from 1.34 (Mar 24) to 1.53, marking an increase of 0.19.
- For EV / EBITDA (X), as of Mar 25, the value is 101.27. This value exceeds the healthy maximum of 15. It has decreased from 121.92 (Mar 24) to 101.27, marking a decrease of 20.65.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.52. This value is within the healthy range. It has increased from 1.34 (Mar 24) to 1.52, marking an increase of 0.18.
- For Retention Ratios (%), as of Mar 25, the value is 76.24. This value exceeds the healthy maximum of 70. It has increased from 74.05 (Mar 24) to 76.24, marking an increase of 2.19.
- For Price / BV (X), as of Mar 25, the value is 9.14. This value exceeds the healthy maximum of 3. It has decreased from 9.28 (Mar 24) to 9.14, marking a decrease of 0.14.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.52. This value is within the healthy range. It has increased from 1.34 (Mar 24) to 1.52, marking an increase of 0.18.
- For EarningsYield, as of Mar 25, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in HDFC Life Insurance Company Ltd:
- Net Profit Margin: 1.86%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0.4% (Industry Average ROCE: 10.88%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 11.2% (Industry Average ROE: 10.89%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 14.8
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.03
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 87 (Industry average Stock P/E: 148.98)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.18
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 1.86%
About the Company - HDFC Life Insurance Company Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Life Insurance | 13th Floor, Lodha Excelus, Apollo Mills Compound, Mumbai Maharashtra 400011 | investor.service@hdfclife.com http://www.hdfclife.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Deepak S Parekh | Chairman |
| Ms. Vibha Padalkar | Managing Director & CEO |
| Mr. Suresh Badami | Deputy Managing Director |
| Mr. Niraj Shah | Executive Director & CFO |
| Mr. Keki M Mistry | Non Executive Director |
| Ms. Renu Sud Karnad | Non Executive Director |
| Mr. Prasad Chandran | Independent Director |
| Mr. V K Viswanathan | Independent Director |
| Mr. Sumit Bose | Independent Director |
| Mr. Ketan Dalal | Independent Director |
| Ms. Bharti Gupta Ramola | Independent Director |
| Dr. Bhaskar Ghosh | Independent Director |
HDFC Life Insurance Company Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹565.50 |
| Previous Day | ₹569.55 |
FAQ
What is the intrinsic value of HDFC Life Insurance Company Ltd?
HDFC Life Insurance Company Ltd's intrinsic value (as of 08 December 2025) is 593.17 which is 22.36% lower the current market price of 764.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,64,815 Cr. market cap, FY2025-2026 high/low of 821/584, reserves of ₹14,002 Cr, and liabilities of 349,412 Cr.
What is the Market Cap of HDFC Life Insurance Company Ltd?
The Market Cap of HDFC Life Insurance Company Ltd is 1,64,815 Cr..
What is the current Stock Price of HDFC Life Insurance Company Ltd as on 08 December 2025?
The current stock price of HDFC Life Insurance Company Ltd as on 08 December 2025 is 764.
What is the High / Low of HDFC Life Insurance Company Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of HDFC Life Insurance Company Ltd stocks is 821/584.
What is the Stock P/E of HDFC Life Insurance Company Ltd?
The Stock P/E of HDFC Life Insurance Company Ltd is 87.0.
What is the Book Value of HDFC Life Insurance Company Ltd?
The Book Value of HDFC Life Insurance Company Ltd is 78.7.
What is the Dividend Yield of HDFC Life Insurance Company Ltd?
The Dividend Yield of HDFC Life Insurance Company Ltd is 0.27 %.
What is the ROCE of HDFC Life Insurance Company Ltd?
The ROCE of HDFC Life Insurance Company Ltd is 6.58 %.
What is the ROE of HDFC Life Insurance Company Ltd?
The ROE of HDFC Life Insurance Company Ltd is 10.8 %.
What is the Face Value of HDFC Life Insurance Company Ltd?
The Face Value of HDFC Life Insurance Company Ltd is 10.0.