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Last Updated: January 29, 2026, 10:34 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 540777 | NSE: HDFCLIFE

HDFC Life Insurance Company Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: January 29, 2026, 10:34 am

Market Cap 1,56,738 Cr.
Current Price 727
Intrinsic Value₹628.44
High / Low 821/595
Stock P/E82.9
Book Value 81.6
Dividend Yield0.29 %
ROCE6.58 %
ROE10.8 %
Face Value 10.0
PEG Ratio11.92

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for HDFC Life Insurance Company Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Life Insurance Corporation of India 5,18,270 Cr. 819 980/71510.2 2241.46 %53.1 %45.7 % 10.0
SBI Life Insurance Company Ltd (SBILIFE) 2,01,273 Cr. 2,007 2,116/1,37381.2 1900.13 %16.9 %15.1 % 10.0
Max Financial Services Ltd 55,729 Cr. 1,615 1,765/950341 1540.00 %8.13 %7.26 % 2.00
ICICI Prudential Life Insurance Company Ltd 91,750 Cr. 634 707/51767.0 92.90.13 %11.9 %10.4 % 10.0
HDFC Life Insurance Company Ltd 1,56,738 Cr. 727 821/59582.9 81.60.29 %6.58 %10.8 % 10.0
Industry Average204,752.00 Cr1,160.40116.46148.500.40%19.32%17.85%8.40

All Competitor Stocks of HDFC Life Insurance Company Ltd

Quarterly Result

MetricSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Sales 23,08319,57720,85723,37123,14226,92728,04126,93428,49717,30024,19129,46320,651
Expenses 22,81519,78721,21523,04523,55726,66327,76626,62328,80716,85223,81429,02420,336
Operating Profit 268-210-358326-415264275311-310448377439315
OPM % 1%-1%-2%1%-2%1%1%1%-1%3%2%1%2%
Other Income 8739488211413610317490279-29124164157
Interest 0000000000000
Depreciation 0000000000000
Profit before tax 355184525440-279367450401-30419500604471
Tax % 7%-72%31%5%-235%-0%8%-20%-1,541%-1%5%9%5%
Net Profit 329316362417378368412479435421475548448
EPS in Rs 1.531.471.681.941.761.711.912.232.021.962.212.542.08

Last Updated: January 1, 2026, 12:46 pm

Below is a detailed analysis of the quarterly data for HDFC Life Insurance Company Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

  • For Sales, as of Sep 2025, the value is 20,651.00 Cr.. The value appears to be declining and may need further review. It has decreased from 29,463.00 Cr. (Jun 2025) to 20,651.00 Cr., marking a decrease of 8,812.00 Cr..
  • For Expenses, as of Sep 2025, the value is 20,336.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 29,024.00 Cr. (Jun 2025) to 20,336.00 Cr., marking a decrease of 8,688.00 Cr..
  • For Operating Profit, as of Sep 2025, the value is 315.00 Cr.. The value appears to be declining and may need further review. It has decreased from 439.00 Cr. (Jun 2025) to 315.00 Cr., marking a decrease of 124.00 Cr..
  • For OPM %, as of Sep 2025, the value is 2.00%. The value appears strong and on an upward trend. It has increased from 1.00% (Jun 2025) to 2.00%, marking an increase of 1.00%.
  • For Other Income, as of Sep 2025, the value is 157.00 Cr.. The value appears to be declining and may need further review. It has decreased from 164.00 Cr. (Jun 2025) to 157.00 Cr., marking a decrease of 7.00 Cr..
  • For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
  • For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
  • For Profit before tax, as of Sep 2025, the value is 471.00 Cr.. The value appears to be declining and may need further review. It has decreased from 604.00 Cr. (Jun 2025) to 471.00 Cr., marking a decrease of 133.00 Cr..
  • For Tax %, as of Sep 2025, the value is 5.00%. The value appears to be improving (decreasing) as expected. It has decreased from 9.00% (Jun 2025) to 5.00%, marking a decrease of 4.00%.
  • For Net Profit, as of Sep 2025, the value is 448.00 Cr.. The value appears to be declining and may need further review. It has decreased from 548.00 Cr. (Jun 2025) to 448.00 Cr., marking a decrease of 100.00 Cr..
  • For EPS in Rs, as of Sep 2025, the value is 2.08. The value appears to be declining and may need further review. It has decreased from 2.54 (Jun 2025) to 2.08, marking a decrease of 0.46.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: December 15, 2025, 5:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 17,16627,21518,14130,64732,26038,85529,38071,52867,12670,207101,48292,92291,605
Expenses 16,56126,34117,18729,67431,18637,64028,23970,29466,34870,127100,83691,89490,026
Operating Profit 6058749539721,0741,2151,1411,235778806461,0281,579
OPM % 4%3%5%3%3%3%4%2%1%0%1%1%2%
Other Income 241791081392821363694457661,437410366416
Interest 11-148911140000000
Depreciation 41434541444547515676791040
Profit before tax 7949241,0081,0611,3001,2911,4631,6291,4871,4419771,2901,994
Tax % 9%15%19%16%15%1%11%16%11%5%-61%-40%
Net Profit 7257868178871,1071,2781,2971,3611,3271,3681,5741,8111,893
EPS in Rs 3.643.944.094.445.506.336.436.736.286.377.328.418.79
Dividend Payout % 14%18%22%25%25%26%0%30%27%30%27%25%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: December 10, 2025, 2:46 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1,9951,9951,9951,9982,0122,0172,0192,0212,1132,1492,1512,1532,156
Reserves -675461,1081,8282,6933,6254,7886,61913,50110,84412,51514,00214,814
Borrowings 00000006006009509502,9502,350
Other Liabilities 50,34766,76773,44191,270105,778124,378125,417170,415214,521234,126287,071330,307351,717
Total Liabilities 52,27569,30976,54495,097110,483130,020132,224179,655230,734248,069302,687349,412371,037
Fixed Assets 2793463353373363703225856,6059971,5492,143674
CWIP 10612165108142031281090
Investments 50,52767,02474,14491,723106,590124,958127,256173,564216,551238,197291,128334,756360,174
Other Assets 1,4581,9322,0533,0203,5514,6824,6375,4937,5598,8449,98212,40410,190
Total Assets 52,27569,30976,54495,097110,483130,020132,224179,655230,734248,069302,687349,412371,037

Below is a detailed analysis of the balance sheet data for HDFC Life Insurance Company Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2025, the value is 2,156.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,153.00 Cr. (Mar 2025) to 2,156.00 Cr., marking an increase of 3.00 Cr..
  • For Reserves, as of Sep 2025, the value is 14,814.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,002.00 Cr. (Mar 2025) to 14,814.00 Cr., marking an increase of 812.00 Cr..
  • For Borrowings, as of Sep 2025, the value is 2,350.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 2,950.00 Cr. (Mar 2025) to 2,350.00 Cr., marking a decrease of 600.00 Cr..
  • For Other Liabilities, as of Sep 2025, the value is 351,717.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 330,307.00 Cr. (Mar 2025) to 351,717.00 Cr., marking an increase of 21,410.00 Cr..
  • For Total Liabilities, as of Sep 2025, the value is 371,037.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 349,412.00 Cr. (Mar 2025) to 371,037.00 Cr., marking an increase of 21,625.00 Cr..
  • For Fixed Assets, as of Sep 2025, the value is 674.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,143.00 Cr. (Mar 2025) to 674.00 Cr., marking a decrease of 1,469.00 Cr..
  • For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 109.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 109.00 Cr..
  • For Investments, as of Sep 2025, the value is 360,174.00 Cr.. The value appears strong and on an upward trend. It has increased from 334,756.00 Cr. (Mar 2025) to 360,174.00 Cr., marking an increase of 25,418.00 Cr..
  • For Other Assets, as of Sep 2025, the value is 10,190.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,404.00 Cr. (Mar 2025) to 10,190.00 Cr., marking a decrease of 2,214.00 Cr..
  • For Total Assets, as of Sep 2025, the value is 371,037.00 Cr.. The value appears strong and on an upward trend. It has increased from 349,412.00 Cr. (Mar 2025) to 371,037.00 Cr., marking an increase of 21,625.00 Cr..

Notably, the Reserves (14,814.00 Cr.) exceed the Borrowings (2,350.00 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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +4,4595,6876,2306,7399,8687,3889,7035,9436,88310,72115,597
Cash from Investing Activity +-3,514-3,962-5,177-4,421-10,182-7,789-8,952-801-10,071-13,622-13,633
Cash from Financing Activity +-168-212-236-196-33738678-2381,985-4031,607
Net Cash Flow7771,5138172,122-651-3641,4294,904-1,203-3,3043,572

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow605.00874.00953.00972.001.001.001.00-599.00178.00-870.00-304.00-1.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days000002000000
Inventory Days
Days Payable
Cash Conversion Cycle000002000000
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%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters50.32%50.31%50.33%50.39%50.37%50.37%50.37%50.34%50.32%50.32%50.28%50.25%
FIIs30.15%29.85%30.89%30.53%31.28%30.03%26.63%25.63%25.14%24.96%24.75%24.82%
DIIs5.98%6.42%6.16%6.87%6.56%7.93%11.24%13.25%13.72%14.10%14.57%14.59%
Public13.50%13.36%12.58%12.18%11.76%11.64%11.74%10.75%10.76%10.60%10.37%10.32%
Others0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.03%
No. of Shareholders9,92,97510,05,7029,26,1388,75,8778,44,7288,58,8448,92,3557,83,8447,91,4477,71,9497,38,6307,26,959

Shareholding Pattern Chart

No. of Shareholders

HDFC Life Insurance Company Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Large Cap Fund 22,200,000 2.98 1664.6718,217,8132025-12-15 00:54:2721.86%
ICICI Prudential India Opportunities Fund 13,412,607 2.89 1005.7412,769,3582026-01-25 02:08:545.04%
ICICI Prudential Large Cap Fund 11,981,572 1.14 898.4411,578,8052026-01-25 02:08:543.48%
ICICI Prudential Value Fund 11,682,154 1.43 875.9910,831,1392026-01-26 07:39:127.86%
Quant ELSS Tax Saver Fund 8,067,787 4.88 604.96N/AN/AN/A
Nippon India Small Cap Fund 6,169,571 0.68 462.635,739,9682025-12-15 00:54:277.48%
Nippon India Large Cap Fund 5,500,000 0.81 412.42N/AN/AN/A
ICICI Prudential Banking and Financial Services 5,241,538 3.52 393.044,884,9502025-12-15 00:54:277.3%
ICICI Prudential Multi Asset Fund 5,069,180 0.49 380.117,130,7562025-12-08 08:59:36-28.91%
Axis ELSS Tax Saver Fund 4,727,026 1.03 354.46N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 8.417.326.416.496.74
Diluted EPS (Rs.) 8.417.316.416.486.73
Cash EPS (Rs.) 8.897.686.726.556.98
Book Value[Excl.RevalReserv]/Share (Rs.) 75.0368.1960.4473.8955.38
Book Value[Incl.RevalReserv]/Share (Rs.) 75.0368.1960.4473.8955.38
Revenue From Operations / Share (Rs.) 450.17471.80326.64317.74353.71
PBDIT / Share (Rs.) 6.825.176.937.138.93
PBIT / Share (Rs.) 6.344.806.586.878.68
PBT / Share (Rs.) 5.754.436.196.748.59
Net Profit / Share (Rs.) 8.417.326.376.286.73
NP After MI And SOA / Share (Rs.) 8.417.326.376.286.73
PBDIT Margin (%) 1.511.092.122.242.52
PBIT Margin (%) 1.401.012.012.162.45
PBT Margin (%) 1.270.931.892.122.42
Net Profit Margin (%) 1.861.551.941.971.90
NP After MI And SOA Margin (%) 1.861.551.941.971.90
Return on Networth / Equity (%) 11.2010.7310.538.5012.15
Return on Capital Employeed (%) 0.400.350.580.641.01
Return On Assets (%) 0.510.520.550.570.75
Long Term Debt / Equity (X) 0.180.060.070.030.05
Total Debt / Equity (X) 0.180.060.070.030.05
Asset Turnover Ratio (%) 0.290.360.290.330.45
Current Ratio (X) 1.030.910.860.900.77
Quick Ratio (X) 1.030.910.860.900.77
Dividend Payout Ratio (NP) (%) 23.7525.9426.2530.780.00
Dividend Payout Ratio (CP) (%) 22.4824.7124.8729.530.00
Earning Retention Ratio (%) 76.2574.0673.7569.220.00
Cash Earning Retention Ratio (%) 77.5275.2975.1370.470.00
Interest Coverage Ratio (X) 11.5213.9018.0758.9197.97
Interest Coverage Ratio (Post Tax) (X) 14.8020.3716.2750.4580.68
Enterprise Value (Cr.) 148727.28135546.16107111.55112936.58140107.92
EV / Net Operating Revenue (X) 1.531.341.531.681.96
EV / EBITDA (X) 101.27121.9271.9274.9677.61
MarketCap / Net Operating Revenue (X) 1.521.341.531.691.97
Retention Ratios (%) 76.2474.0573.7469.210.00
Price / BV (X) 9.149.288.267.2812.56
Price / Net Operating Revenue (X) 1.521.341.531.691.97
EarningsYield 0.010.010.010.010.01

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of HDFC Life Insurance Company Ltd as of January 29, 2026 is: ₹586.16

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of January 29, 2026, HDFC Life Insurance Company Ltd is Overvalued by 19.37% compared to the current share price ₹727.00

Intrinsic Value of HDFC Life Insurance Company Ltd as of January 29, 2026 is: ₹626.93

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of January 29, 2026, HDFC Life Insurance Company Ltd is Overvalued by 13.76% compared to the current share price ₹727.00

Last 5 Year EPS CAGR: 6.96%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a high average ROCE of 24.08%, which is a positive sign.
  2. The stock has a low average Working Capital Days of -14.75, which is a positive sign.
  3. The company has higher reserves (6,678.15 cr) compared to borrowings (646.15 cr), indicating strong financial stability.
  4. The company has shown consistent growth in sales (52.54 cr) and profit (208.08 cr) over the years.
  1. The stock has a high average Cash Conversion Cycle of 0.17, which may not be favorable.

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:
    1. 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.
    2. ROCE: 0.4% (Industry Average ROCE: 19.32%)
      • 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.
    3. ROE%: 11.2% (Industry Average ROE: 17.85%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. 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.
    5. 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.
    6. Stock P/E: 82.9 (Industry average Stock P/E: 116.46)
      • 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.
    7. 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

HDFC Life Insurance Company Ltd. is a Public Limited Listed company incorporated on 14/08/2000 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65110MH2000PLC128245 and registration number is 128245. Currently Company is involved in the business activities of Life insurance. Company's Total Operating Revenue is Rs. 96686.52 Cr. and Equity Capital is Rs. 2152.99 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Life Insurance13th Floor, Lodha Excelus, Apollo Mills Compound, Mumbai Maharashtra 400011Contact not found
Management
NamePosition Held
Mr. Keki M MistryChairman
Ms. Vibha PadalkarManaging Director & CEO
Mr. Niraj ShahExecutive Director & CFO
Mr. Vineet AroraExecutive Director
Mr. Kaizad BharuchaNon Exe. & Nominee Director
Dr. Bhaskar GhoshIndependent Director
Mr. Venkatraman SrinivasanIndependent Director
Mr. Sumit BoseIndependent Director
Mr. Ketan DalalIndependent Director
Ms. Bharti Gupta RamolaIndependent Director
Mr. Subodh Kumar JaiswalIndependent Director

FAQ

What is the intrinsic value of HDFC Life Insurance Company Ltd?

HDFC Life Insurance Company Ltd's intrinsic value (as of 29 January 2026) is ₹626.93 which is 13.76% lower the current market price of ₹727.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,56,738 Cr. market cap, FY2025-2026 high/low of ₹821/595, reserves of ₹14,814 Cr, and liabilities of ₹371,037 Cr.

What is the Market Cap of HDFC Life Insurance Company Ltd?

The Market Cap of HDFC Life Insurance Company Ltd is 1,56,738 Cr..

What is the current Stock Price of HDFC Life Insurance Company Ltd as on 29 January 2026?

The current stock price of HDFC Life Insurance Company Ltd as on 29 January 2026 is ₹727.

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 ₹821/595.

What is the Stock P/E of HDFC Life Insurance Company Ltd?

The Stock P/E of HDFC Life Insurance Company Ltd is 82.9.

What is the Book Value of HDFC Life Insurance Company Ltd?

The Book Value of HDFC Life Insurance Company Ltd is 81.6.

What is the Dividend Yield of HDFC Life Insurance Company Ltd?

The Dividend Yield of HDFC Life Insurance Company Ltd is 0.29 %.

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.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in HDFC Life Insurance Company Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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