Share Price and Basic Stock Data
Last Updated: November 22, 2025, 8:38 am
| PEG Ratio | 12.49 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
HDFC Life Insurance Company Ltd operates in the finance sector, specifically in life insurance, and reported a share price of ₹761 with a market capitalization of ₹1,64,211 Cr. The company’s revenue from operations has showcased a fluctuating yet upward trend, with sales increasing from ₹67,126 Cr in FY 2022 to ₹70,207 Cr in FY 2023. In the latest reported quarter of Jun 2025, sales stood at ₹29,463 Cr, indicating a robust performance. However, the company has faced challenges, as seen in the Dec 2022 quarter where sales dipped to ₹19,577 Cr, highlighting a volatile revenue stream. For FY 2025, the total sales are expected to close at ₹92,922 Cr, reflecting growth compared to the previous fiscal year. The company’s operational performance is further demonstrated by its reported quarterly sales figures, which have shown a recovery from previous lows, suggesting potential resilience in market demand. Overall, HDFC Life’s revenue trajectory underscores its ability to navigate through varying market conditions while maintaining significant sales figures.
Profitability and Efficiency Metrics
HDFC Life’s profitability metrics reflect a challenging landscape, with the company recording a net profit of ₹1,893 Cr and a net profit margin of 1.86% for FY 2025. The operating profit margin (OPM) for the same fiscal year stood at 1%, indicating tight margins typical of the life insurance sector. The reported return on equity (ROE) was 10.8%, while the return on capital employed (ROCE) was at 6.58%, both of which are relatively low compared to industry benchmarks. The interest coverage ratio (ICR) of 11.52x suggests that the company can comfortably meet its interest obligations, reflecting sound operational efficiency. However, the company has experienced fluctuations in operating profit, including a significant dip in the Dec 2022 quarter where it reported an operating loss of ₹210 Cr. This inconsistency raises concerns about its operational efficiency and ability to convert sales into profit consistently.
Balance Sheet Strength and Financial Ratios
HDFC Life’s balance sheet exhibits a solid foundation with total assets reported at ₹349,412 Cr and total liabilities at ₹330,307 Cr, resulting in a manageable debt-to-equity ratio of 0.18. This low leverage indicates financial prudence and a lower risk profile. The company’s reserves have increased to ₹14,814 Cr, bolstering its equity capital of ₹2,153 Cr. The book value per share, including revaluation reserves, was reported at ₹75.03, and the price-to-book value (P/BV) ratio stood at 9.14x. This high P/BV ratio suggests that the stock is priced at a premium relative to its book value, indicating strong market confidence. Moreover, the current ratio of 1.03 signals adequate liquidity, allowing the company to cover its short-term obligations. However, the return on capital employed (ROCE) has seen a decline to 5% for FY 2024, raising questions about the efficient utilization of capital relative to earnings.
Shareholding Pattern and Investor Confidence
The shareholding pattern of HDFC Life reflects a stable structure, with promoters holding 50.25% of the company, while foreign institutional investors (FIIs) and domestic institutional investors (DIIs) hold 24.82% and 14.59% respectively. This distribution indicates a strong institutional interest, which is a positive sign for investor confidence. Over the reported quarters, the promoter stake has seen slight fluctuations but remained consistent above 50%, suggesting a commitment to the company’s long-term strategy. The number of shareholders has declined from 9,92,975 in Dec 2022 to 7,26,959 as of Sep 2025, which may indicate consolidation among investors. The presence of institutional investors, particularly FIIs, at nearly 25% reflects significant confidence in HDFC Life’s potential. However, any shifts in institutional sentiment could impact stock performance, especially in a volatile market environment.
Outlook, Risks, and Final Insight
HDFC Life is positioned well but faces several risks that could impact its future performance. The company’s reliance on maintaining sales growth amid fluctuating market conditions poses a risk, particularly given the operational losses observed in certain quarters. Additionally, the low profitability margins and return metrics suggest the need for operational improvements to enhance efficiency. On the upside, the company’s strong balance sheet, marked by low leverage and substantial reserves, provides a cushion against economic downturns. If HDFC Life can stabilize its operational efficiency and enhance its profit margins, it could see improved investor sentiment. Conversely, a continued trend of declining profitability or increased competition in the life insurance sector may dampen its growth prospects. Overall, HDFC Life’s ability to navigate these challenges will be crucial in determining its market standing and future stock performance.
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) | 2,02,727 Cr. | 2,022 | 2,039/1,373 | 82.6 | 182 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 57,244 Cr. | 1,662 | 1,730/950 | 351 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 88,379 Cr. | 611 | 705/517 | 67.6 | 87.9 | 0.14 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,64,599 Cr. | 764 | 821/584 | 86.9 | 78.7 | 0.27 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 128,237.25 Cr | 1,264.75 | 147.03 | 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: November 15, 2025, 5:16 am
| 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 | 91,605 |
| 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 | 90,026 |
| Operating Profit | 605 | 874 | 953 | 972 | 1,074 | 1,215 | 1,141 | 1,235 | 778 | 80 | 646 | 1,028 | 1,579 |
| OPM % | 4% | 3% | 5% | 3% | 3% | 3% | 4% | 2% | 1% | 0% | 1% | 1% | 2% |
| Other Income | 241 | 79 | 108 | 139 | 282 | 136 | 369 | 445 | 766 | 1,437 | 410 | 366 | 416 |
| 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 | 1,994 |
| 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 | 1,893 |
| 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 | 8.79 |
| 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: November 9, 2025, 2:08 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 | Sep 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 | 2,156 |
| Reserves | -67 | 546 | 1,108 | 1,828 | 2,693 | 3,625 | 4,788 | 6,619 | 13,501 | 10,844 | 12,515 | 14,002 | 14,814 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600 | 600 | 950 | 950 | 2,950 | 2,350 |
| 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 | 351,717 |
| 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 | 371,037 |
| Fixed Assets | 279 | 346 | 335 | 337 | 336 | 370 | 322 | 585 | 6,605 | 997 | 1,549 | 2,143 | 674 |
| CWIP | 10 | 6 | 12 | 16 | 5 | 10 | 8 | 14 | 20 | 31 | 28 | 109 | 0 |
| 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 | 360,174 |
| 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 | 10,190 |
| 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 | 371,037 |
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.
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
| 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 Nifty 50 ETF | 19,465,066 | 0.69 | 1437.88 | 19,465,066 | 2025-04-22 17:25:33 | 0% |
| ICICI Prudential Bluechip Fund | 9,691,864 | 1.11 | 715.94 | 9,691,864 | 2025-04-22 17:25:33 | 0% |
| ICICI Prudential Value Discovery Fund | 9,501,654 | 1.4 | 701.89 | 9,501,654 | 2025-04-22 17:25:33 | 0% |
| SBI Blue Chip Fund | 9,220,876 | 1.32 | 681.15 | 9,220,876 | 2025-04-22 17:25:33 | 0% |
| ICICI Prudential Multi Asset Fund | 7,130,756 | 1.09 | 526.75 | 7,130,756 | 2025-04-22 17:25:33 | 0% |
| UTI Nifty 50 ETF | 5,645,639 | 0.69 | 417.04 | 5,645,639 | 2025-04-22 17:25:33 | 0% |
| Nippon India Multi Cap Fund | 5,500,000 | 1.07 | 406.29 | 5,500,000 | 2025-04-22 17:25:33 | 0% |
| ICICI Prudential Banking and Financial Services | 5,065,853 | 4.58 | 374.21 | 5,065,853 | 2025-04-22 17:25:33 | 0% |
| ICICI Prudential Balanced Advantage Fund | 5,035,781 | 0.61 | 371.99 | 5,035,781 | 2025-04-22 17:25:33 | 0% |
| ICICI Prudential India Opportunities Fund | 4,689,122 | 1.45 | 346.39 | 4,689,122 | 2025-04-22 17:25:33 | 0% |
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: 86.9 (Industry average Stock P/E: 147.03)
- 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 - Qualitative Analysis
| 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. Keki M Mistry | Chairman |
| Ms. Vibha Padalkar | Managing Director & CEO |
| Mr. Niraj Shah | Executive Director & CFO |
| Mr. Vineet Arora | Executive Director |
| Mr. Kaizad Bharucha | Non Exe. & Nominee Director |
| Dr. Bhaskar Ghosh | Independent Director |
| Mr. Venkatraman Srinivasan | Independent Director |
| Mr. Sumit Bose | Independent Director |
| Mr. Ketan Dalal | Independent Director |
| Ms. Bharti Gupta Ramola | Independent Director |
| Mr. Subodh Kumar Jaiswal | Independent Director |
FAQ
What is the intrinsic value of HDFC Life Insurance Company Ltd?
HDFC Life Insurance Company Ltd's intrinsic value (as of 24 November 2025) is 592.49 which is 22.45% lower the current market price of 764.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,64,599 Cr. market cap, FY2025-2026 high/low of 821/584, 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 1,64,599 Cr..
What is the current Stock Price of HDFC Life Insurance Company Ltd as on 24 November 2025?
The current stock price of HDFC Life Insurance Company Ltd as on 24 November 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 86.9.
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.