HDFC Life Insurance Company Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 1:53 pm

Market Cap	1,34,599 Cr.
Current Price	625
High / Low	761/511
Stock P/E	77.0
Book Value	73.4
Dividend Yield	0.32 %
ROCE	6.61 %
ROE	11.4 %
Face Value	10.0
PEG Ratio	20.12

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for HDFC Life Insurance Company Ltd

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)	1,41,459 Cr.	1,412	1,936/1,307	58.7	166	0.19 %	13.2 %	12.0 %	10.0
Max Financial Services Ltd	35,775 Cr.	1,037	1,311/864	142	150	0.00 %	9.77 %	9.21 %	2.00
ICICI Prudential Life Insurance Company Ltd	79,426 Cr.	550	797/515	81.6	80.5	0.11 %	8.75 %	8.07 %	10.0
HDFC Life Insurance Company Ltd	1,34,599 Cr.	625	761/511	77.0	73.4	0.32 %	6.61 %	11.4 %	10.0
Industry Average	97,814.75 Cr	906.00		89.83	117.48	0.16%	9.58%	10.17%	8.00

All Competitor Stocks of HDFC Life Insurance Company Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	14,311	17,482	6,690	23,083	19,577	20,857	23,371	23,142	26,927	28,041	26,934	28,497	17,300
Expenses	14,137	17,228	6,386	22,815	19,787	21,215	23,045	23,557	26,663	27,766	26,623	28,807	16,852
Operating Profit	174	253	304	268	-210	-358	326	-415	264	275	311	-310	448
OPM %	1%	1%	5%	1%	-1%	-2%	1%	-2%	1%	1%	1%	-1%	3%
Other Income	121	374	74	87	394	882	114	136	103	174	90	279	-29
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	295	628	378	355	184	525	440	-279	367	450	401	-30	419
Tax %	7%	19%	4%	7%	-72%	31%	5%	-235%	-0%	8%	-20%	-1,541%	-1%
Net Profit	275	506	361	329	316	362	417	378	368	412	479	435	421
EPS in Rs	1.36	2.40	1.71	1.53	1.47	1.68	1.94	1.76	1.71	1.91	2.23	2.02	1.96

Last Updated: February 28, 2025, 7:36 pm

Below is a detailed analysis of the quarterly data for HDFC Life Insurance Company Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is ₹17,300.00 Cr.. The value appears to be declining and may need further review. It has decreased from 28,497.00 Cr. (Sep 2024) to ₹17,300.00 Cr., marking a decrease of 11,197.00 Cr..
For Expenses, as of Dec 2024, the value is ₹16,852.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 28,807.00 Cr. (Sep 2024) to ₹16,852.00 Cr., marking a decrease of 11,955.00 Cr..
For Operating Profit, as of Dec 2024, the value is ₹448.00 Cr.. The value appears strong and on an upward trend. It has increased from -310.00 Cr. (Sep 2024) to ₹448.00 Cr., marking an increase of ₹758.00 Cr..
For OPM %, as of Dec 2024, the value is 3.00%. The value appears strong and on an upward trend. It has increased from -1.00% (Sep 2024) to 3.00%, marking an increase of 4.00%.
For Other Income, as of Dec 2024, the value is ₹-29.00 Cr.. The value appears to be declining and may need further review. It has decreased from 279.00 Cr. (Sep 2024) to ₹-29.00 Cr., marking a decrease of 308.00 Cr..
For Interest, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹419.00 Cr.. The value appears strong and on an upward trend. It has increased from -30.00 Cr. (Sep 2024) to ₹419.00 Cr., marking an increase of ₹449.00 Cr..
For Tax %, as of Dec 2024, the value is -1.00%. The value appears to be increasing, which may not be favorable. It has increased from -1,541.00% (Sep 2024) to -1.00%, marking an increase of 1,540.00%.
For Net Profit, as of Dec 2024, the value is ₹421.00 Cr.. The value appears to be declining and may need further review. It has decreased from 435.00 Cr. (Sep 2024) to ₹421.00 Cr., marking a decrease of 14.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 1.96. The value appears to be declining and may need further review. It has decreased from ₹2.02 (Sep 2024) to 1.96, marking a decrease of ₹0.06.

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: March 7, 2025, 8:13 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	14,060	17,166	27,215	18,141	30,647	32,260	38,855	29,380	71,528	67,126	70,207	101,482	100,772
Expenses	13,535	16,561	26,341	17,187	29,674	31,186	37,640	28,239	70,294	66,348	70,127	100,951	100,048
Operating Profit	525	605	874	953	972	1,074	1,215	1,141	1,235	778	80	531	725
OPM %	4%	4%	3%	5%	3%	3%	3%	4%	2%	1%	0%	1%	1%
Other Income	28	241	79	108	139	282	136	369	445	766	1,437	525	514
Interest	15	11	-14	8	9	11	14	0	0	0	0	0	0
Depreciation	35	41	43	45	41	44	45	47	51	56	76	79	0
Profit before tax	502	794	924	1,008	1,061	1,300	1,291	1,463	1,629	1,487	1,441	977	1,239
Tax %	11%	9%	15%	19%	16%	15%	1%	11%	16%	11%	5%	-61%
Net Profit	447	725	786	817	887	1,107	1,278	1,297	1,361	1,327	1,368	1,574	1,747
EPS in Rs	2.24	3.64	3.94	4.09	4.44	5.50	6.33	6.43	6.73	6.28	6.37	7.32	8.12
Dividend Payout %	0%	14%	18%	22%	25%	25%	26%	0%	30%	27%	30%	27%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	62.19%	8.41%	3.94%	8.57%	24.80%	15.45%	1.49%	4.93%	-2.50%	3.09%	15.06%
Change in YoY Net Profit Growth (%)	0.00%	-53.78%	-4.47%	4.62%	16.23%	-9.36%	-13.96%	3.45%	-7.43%	5.59%	11.97%

HDFC Life Insurance Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	19%
5 Years:	21%
3 Years:	12%
TTM:	7%

Compounded Profit Growth
10 Years:	8%
5 Years:	6%
3 Years:	5%
TTM:	15%

Stock Price CAGR
10 Years:	%
5 Years:	5%
3 Years:	7%
1 Year:	2%

Return on Equity
10 Years:	16%
5 Years:	13%
3 Years:	11%
Last Year:	11%

Last Updated: Unknown

Balance Sheet

Last Updated: December 14, 2024, 3:31 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	1,995	1,995	1,995	1,995	1,998	2,012	2,017	2,019	2,021	2,113	2,149	2,151	2,152
Reserves	-658	-67	546	1,108	1,828	2,693	3,625	4,788	6,619	13,501	10,844	12,515	13,452
Borrowings	0	0	0	0	0	0	0	0	600	600	950	950	950
Other Liabilities	40,581	50,347	66,767	73,441	91,270	105,778	124,378	125,417	170,415	214,521	234,126	287,071	320,201
Total Liabilities	41,918	52,275	69,309	76,544	95,097	110,483	130,020	132,224	179,655	230,734	248,069	302,687	336,755
Fixed Assets	252	279	346	335	337	336	370	322	585	6,605	997	1,549	460
CWIP	29	10	6	12	16	5	10	8	14	20	31	28	0
Investments	40,404	50,527	67,024	74,144	91,723	106,590	124,958	127,256	173,564	216,551	238,197	291,128	325,023
Other Assets	1,232	1,458	1,932	2,053	3,020	3,551	4,682	4,637	5,493	7,559	8,844	9,982	11,272
Total Assets	41,918	52,275	69,309	76,544	95,097	110,483	130,020	132,224	179,655	230,734	248,069	302,687	336,755

Below is a detailed analysis of the balance sheet data for HDFC Life Insurance Company Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹2,152.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹2,151.00 Cr. (Mar 2024) to ₹2,152.00 Cr., marking an increase of 1.00 Cr..
For Reserves, as of Sep 2024, the value is ₹13,452.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹12,515.00 Cr. (Mar 2024) to ₹13,452.00 Cr., marking an increase of 937.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹950.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded ₹950.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹320,201.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹287,071.00 Cr. (Mar 2024) to ₹320,201.00 Cr., marking an increase of 33,130.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹336,755.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹302,687.00 Cr. (Mar 2024) to ₹336,755.00 Cr., marking an increase of 34,068.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹460.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹1,549.00 Cr. (Mar 2024) to ₹460.00 Cr., marking a decrease of 1,089.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹28.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 28.00 Cr..
For Investments, as of Sep 2024, the value is ₹325,023.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹291,128.00 Cr. (Mar 2024) to ₹325,023.00 Cr., marking an increase of 33,895.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹11,272.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹9,982.00 Cr. (Mar 2024) to ₹11,272.00 Cr., marking an increase of 1,290.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹336,755.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹302,687.00 Cr. (Mar 2024) to ₹336,755.00 Cr., marking an increase of 34,068.00 Cr..

Notably, the Reserves (₹13,452.00 Cr.) exceed the Borrowings (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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	4,459	5,687	6,230	6,739	9,868	7,388	9,703	5,943	6,883	10,721
Cash from Investing Activity +	-3,514	-3,962	-5,177	-4,421	-10,182	-7,789	-8,952	-801	-10,071	-13,614
Cash from Financing Activity +	-168	-212	-236	-196	-337	38	678	-238	1,985	-403
Net Cash Flow	777	1,513	817	2,122	-651	-364	1,429	4,904	-1,203	-3,296

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	525.00	605.00	874.00	953.00	972.00	1.00	1.00	1.00	-599.00	178.00	-870.00	-419.00

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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	0	0	0	0	0	0	2	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	2	0	0	0	0	0
Working Capital Days	-22	-11	-11	-27	-20	-25	-16	-17	-13	-11	-12	-8
ROCE %		49%	41%	36%	31%	31%	23%	24%	20%	12%	10%	7%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoters	53.81%	53.77%	51.53%	51.52%	50.32%	50.32%	50.31%	50.33%	50.39%	50.37%	50.37%	50.37%
FIIs	30.12%	30.45%	26.31%	27.66%	28.81%	30.15%	29.85%	30.89%	30.53%	31.28%	30.03%	26.63%
DIIs	6.67%	6.08%	7.81%	6.92%	6.88%	5.98%	6.42%	6.16%	6.87%	6.56%	7.93%	11.24%
Public	9.38%	9.68%	14.32%	13.88%	13.97%	13.50%	13.36%	12.58%	12.18%	11.76%	11.64%	11.74%
Others	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%
No. of Shareholders	8,56,208	9,15,073	10,34,124	9,98,779	10,35,193	9,92,975	10,05,702	9,26,138	8,75,877	8,44,728	8,58,844	8,92,355

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
SBI Nifty 50 ETF	19,465,066	0.69	1437.88	9,220,876	2025-03-10	111.1%
ICICI Prudential Bluechip Fund	9,691,864	1.11	715.94	9,220,876	2025-03-10	5.11%
ICICI Prudential Value Discovery Fund	9,501,654	1.4	701.89	9,220,876	2025-03-10	3.05%
SBI Blue Chip Fund	9,220,876	1.32	681.15	9,220,876	2025-03-10	0%
ICICI Prudential Multi Asset Fund	7,130,756	1.09	526.75	9,220,876	2025-03-10	-22.67%
UTI Nifty 50 ETF	5,645,639	0.69	417.04	9,220,876	2025-03-10	-38.77%
Nippon India Multi Cap Fund	5,500,000	1.07	406.29	9,220,876	2025-03-10	-40.35%
ICICI Prudential Banking and Financial Services	5,065,853	4.58	374.21	9,220,876	2025-03-10	-45.06%
ICICI Prudential Balanced Advantage Fund	5,035,781	0.61	371.99	9,220,876	2025-03-10	-45.39%
ICICI Prudential India Opportunities Fund	4,689,122	1.45	346.39	9,220,876	2025-03-10	-49.15%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	7.32	6.41	6.49	6.74	6.43
Diluted EPS (Rs.)	7.31	6.41	6.48	6.73	6.42
Cash EPS (Rs.)	7.68	6.72	6.55	6.98	6.66
Book Value[Excl.RevalReserv]/Share (Rs.)	68.19	60.44	73.89	55.38	33.69
Book Value[Incl.RevalReserv]/Share (Rs.)	68.19	60.44	73.89	55.38	33.69
Revenue From Operations / Share (Rs.)	471.80	326.64	317.74	353.71	145.53
PBDIT / Share (Rs.)	5.17	6.93	7.13	8.93	6.47
PBIT / Share (Rs.)	4.80	6.58	6.87	8.68	6.24
PBT / Share (Rs.)	4.43	6.19	6.74	8.59	6.16
Net Profit / Share (Rs.)	7.32	6.37	6.28	6.73	6.43
NP After MI And SOA / Share (Rs.)	7.32	6.37	6.28	6.73	6.43
PBDIT Margin (%)	1.09	2.12	2.24	2.52	4.44
PBIT Margin (%)	1.01	2.01	2.16	2.45	4.28
PBT Margin (%)	0.93	1.89	2.12	2.42	4.23
Net Profit Margin (%)	1.55	1.94	1.97	1.90	4.41
NP After MI And SOA Margin (%)	1.55	1.94	1.97	1.90	4.41
Return on Networth / Equity (%)	10.73	10.53	8.50	12.15	19.07
Return on Capital Employeed (%)	0.35	0.58	0.64	1.01	0.99
Return On Assets (%)	0.52	0.55	0.57	0.75	0.98
Long Term Debt / Equity (X)	0.06	0.07	0.03	0.05	0.00
Total Debt / Equity (X)	0.06	0.07	0.03	0.05	0.00
Asset Turnover Ratio (%)	0.36	0.29	0.33	0.45	0.22
Current Ratio (X)	0.91	0.86	0.90	0.77	0.86
Quick Ratio (X)	0.91	0.86	0.90	0.77	0.86
Dividend Payout Ratio (NP) (%)	25.94	26.25	30.78	0.00	0.00
Dividend Payout Ratio (CP) (%)	24.71	24.87	29.53	0.00	0.00
Earning Retention Ratio (%)	74.06	73.75	69.22	0.00	0.00
Cash Earning Retention Ratio (%)	75.29	75.13	70.47	0.00	0.00
Interest Coverage Ratio (X)	13.90	18.07	58.91	97.97	76.76
Interest Coverage Ratio (Post Tax) (X)	20.37	16.27	50.45	80.68	64.30
Enterprise Value (Cr.)	135546.16	107111.55	112936.58	140107.92	88459.39
EV / Net Operating Revenue (X)	1.34	1.53	1.68	1.96	3.01
EV / EBITDA (X)	121.92	71.92	74.96	77.61	67.70
MarketCap / Net Operating Revenue (X)	1.34	1.53	1.69	1.97	3.03
Retention Ratios (%)	74.05	73.74	69.21	0.00	0.00
Price / BV (X)	9.28	8.26	7.28	12.56	13.11
Price / Net Operating Revenue (X)	1.34	1.53	1.69	1.97	3.03
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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 7.32. This value is within the healthy range. It has increased from 6.41 (Mar 23) to 7.32, marking an increase of 0.91.
For Diluted EPS (Rs.), as of Mar 24, the value is 7.31. This value is within the healthy range. It has increased from 6.41 (Mar 23) to 7.31, marking an increase of 0.90.
For Cash EPS (Rs.), as of Mar 24, the value is 7.68. This value is within the healthy range. It has increased from 6.72 (Mar 23) to 7.68, marking an increase of 0.96.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 68.19. It has increased from 60.44 (Mar 23) to 68.19, marking an increase of 7.75.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 68.19. It has increased from 60.44 (Mar 23) to 68.19, marking an increase of 7.75.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 471.80. It has increased from 326.64 (Mar 23) to 471.80, marking an increase of 145.16.
For PBDIT / Share (Rs.), as of Mar 24, the value is 5.17. This value is within the healthy range. It has decreased from 6.93 (Mar 23) to 5.17, marking a decrease of 1.76.
For PBIT / Share (Rs.), as of Mar 24, the value is 4.80. This value is within the healthy range. It has decreased from 6.58 (Mar 23) to 4.80, marking a decrease of 1.78.
For PBT / Share (Rs.), as of Mar 24, the value is 4.43. This value is within the healthy range. It has decreased from 6.19 (Mar 23) to 4.43, marking a decrease of 1.76.
For Net Profit / Share (Rs.), as of Mar 24, the value is 7.32. This value is within the healthy range. It has increased from 6.37 (Mar 23) to 7.32, marking an increase of 0.95.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 7.32. This value is within the healthy range. It has increased from 6.37 (Mar 23) to 7.32, marking an increase of 0.95.
For PBDIT Margin (%), as of Mar 24, the value is 1.09. This value is below the healthy minimum of 10. It has decreased from 2.12 (Mar 23) to 1.09, marking a decrease of 1.03.
For PBIT Margin (%), as of Mar 24, the value is 1.01. This value is below the healthy minimum of 10. It has decreased from 2.01 (Mar 23) to 1.01, marking a decrease of 1.00.
For PBT Margin (%), as of Mar 24, the value is 0.93. This value is below the healthy minimum of 10. It has decreased from 1.89 (Mar 23) to 0.93, marking a decrease of 0.96.
For Net Profit Margin (%), as of Mar 24, the value is 1.55. This value is below the healthy minimum of 5. It has decreased from 1.94 (Mar 23) to 1.55, marking a decrease of 0.39.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 1.55. This value is below the healthy minimum of 8. It has decreased from 1.94 (Mar 23) to 1.55, marking a decrease of 0.39.
For Return on Networth / Equity (%), as of Mar 24, the value is 10.73. This value is below the healthy minimum of 15. It has increased from 10.53 (Mar 23) to 10.73, marking an increase of 0.20.
For Return on Capital Employeed (%), as of Mar 24, the value is 0.35. This value is below the healthy minimum of 10. It has decreased from 0.58 (Mar 23) to 0.35, marking a decrease of 0.23.
For Return On Assets (%), as of Mar 24, the value is 0.52. This value is below the healthy minimum of 5. It has decreased from 0.55 (Mar 23) to 0.52, marking a decrease of 0.03.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.06. This value is below the healthy minimum of 0.2. It has decreased from 0.07 (Mar 23) to 0.06, marking a decrease of 0.01.
For Total Debt / Equity (X), as of Mar 24, the value is 0.06. This value is within the healthy range. It has decreased from 0.07 (Mar 23) to 0.06, marking a decrease of 0.01.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.36. It has increased from 0.29 (Mar 23) to 0.36, marking an increase of 0.07.
For Current Ratio (X), as of Mar 24, the value is 0.91. This value is below the healthy minimum of 1.5. It has increased from 0.86 (Mar 23) to 0.91, marking an increase of 0.05.
For Quick Ratio (X), as of Mar 24, the value is 0.91. This value is below the healthy minimum of 1. It has increased from 0.86 (Mar 23) to 0.91, marking an increase of 0.05.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 25.94. This value is within the healthy range. It has decreased from 26.25 (Mar 23) to 25.94, marking a decrease of 0.31.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 24.71. This value is within the healthy range. It has decreased from 24.87 (Mar 23) to 24.71, marking a decrease of 0.16.
For Earning Retention Ratio (%), as of Mar 24, the value is 74.06. This value exceeds the healthy maximum of 70. It has increased from 73.75 (Mar 23) to 74.06, marking an increase of 0.31.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 75.29. This value exceeds the healthy maximum of 70. It has increased from 75.13 (Mar 23) to 75.29, marking an increase of 0.16.
For Interest Coverage Ratio (X), as of Mar 24, the value is 13.90. This value is within the healthy range. It has decreased from 18.07 (Mar 23) to 13.90, marking a decrease of 4.17.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 20.37. This value is within the healthy range. It has increased from 16.27 (Mar 23) to 20.37, marking an increase of 4.10.
For Enterprise Value (Cr.), as of Mar 24, the value is 135,546.16. It has increased from 107,111.55 (Mar 23) to 135,546.16, marking an increase of 28,434.61.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 1.34. This value is within the healthy range. It has decreased from 1.53 (Mar 23) to 1.34, marking a decrease of 0.19.
For EV / EBITDA (X), as of Mar 24, the value is 121.92. This value exceeds the healthy maximum of 15. It has increased from 71.92 (Mar 23) to 121.92, marking an increase of 50.00.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.34. This value is within the healthy range. It has decreased from 1.53 (Mar 23) to 1.34, marking a decrease of 0.19.
For Retention Ratios (%), as of Mar 24, the value is 74.05. This value exceeds the healthy maximum of 70. It has increased from 73.74 (Mar 23) to 74.05, marking an increase of 0.31.
For Price / BV (X), as of Mar 24, the value is 9.28. This value exceeds the healthy maximum of 3. It has increased from 8.26 (Mar 23) to 9.28, marking an increase of 1.02.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.34. This value is within the healthy range. It has decreased from 1.53 (Mar 23) to 1.34, marking a decrease of 0.19.
For EarningsYield, as of Mar 24, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) 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 March 12, 2025 is: ₹517.09

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 March 12, 2025, HDFC Life Insurance Company Ltd is Overvalued by 17.27% compared to the current share price 625.00

Intrinsic Value of HDFC Life Insurance Company Ltd as of March 12, 2025 is: 536.88

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 March 12, 2025, HDFC Life Insurance Company Ltd is Overvalued by 14.10% compared to the current share price 625.00

Last 5 Year EPS CAGR: 3.83%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a high average ROCE of 23.67%, which is a positive sign. The stock has a low average Working Capital Days of -16.08, which is a positive sign. The company has higher reserves (5,445.69 cr) compared to borrowings (311.54 cr), indicating strong financial stability. The company has shown consistent growth in sales (47.23 cr) and profit (246.62 cr) over the years.	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: 1.55%
  - 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: 0.35% (Industry Average ROCE: 9.58%)
  - 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%: 10.73% (Industry Average ROE: 10.17%)
  - 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): 20.37
  - 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: 0.91
  - 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: 77 (Industry average Stock P/E: 89.83)
  - 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: 0.06
  - 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

No data availabale for About the Company

INDUSTRY	ADDRESS	CONTACT
Industry not found	Address not found	Contact not found

Management Data not Available

FAQ

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

The latest intrinsic value of HDFC Life Insurance Company Ltd as on 12 March 2025 is ₹517.09, which is 17.27% lower than the current market price of 625.00, indicating the stock is overvalued by 17.27%. The intrinsic value of HDFC Life Insurance Company Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹1,34,599 Cr. and recorded a high/low of ₹761/511 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹13,452 Cr and total liabilities of ₹336,755 Cr.

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

The Market Cap of HDFC Life Insurance Company Ltd is 1,34,599 Cr..

What is the current Stock Price of HDFC Life Insurance Company Ltd as on 12 March 2025?

The current stock price of HDFC Life Insurance Company Ltd as on 12 March 2025 is ₹625.

What is the High / Low of HDFC Life Insurance Company Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of HDFC Life Insurance Company Ltd stocks is ₹761/511.

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

The Stock P/E of HDFC Life Insurance Company Ltd is 77.0.

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

The Book Value of HDFC Life Insurance Company Ltd is 73.4.

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

The Dividend Yield of HDFC Life Insurance Company Ltd is 0.32 %.

What is the ROCE of HDFC Life Insurance Company Ltd?

The ROCE of HDFC Life Insurance Company Ltd is 6.61 %.

What is the ROE of HDFC Life Insurance Company Ltd?

The ROE of HDFC Life Insurance Company Ltd is 11.4 %.

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

The Face Value of HDFC Life Insurance Company Ltd is 10.0.