Share Price and Basic Stock Data
Last Updated: December 27, 2025, 8:58 pm
| PEG Ratio | 12.26 |
|---|
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, with a current market price of ₹748 and a market capitalization of ₹1,61,429 Cr. The company has shown a significant upward trajectory in its revenue, with sales reported at ₹70,207 Cr for the financial year ending March 2023, rising to ₹101,482 Cr in March 2024. This represents a robust growth trajectory, particularly against the backdrop of the industry’s fluctuating performance. Quarterly sales figures indicate a consistent pattern, with ₹23,371 Cr in June 2023 and ₹26,927 Cr in December 2023, demonstrating a solid demand for its insurance products. The reported sales for the trailing twelve months (TTM) stood at ₹91,605 Cr, reflecting a healthy operational scale. This revenue growth is a testament to its effective market penetration and product offerings, positioning HDFC Life as a formidable player in the life insurance sector.
Profitability and Efficiency Metrics
HDFC Life’s profitability metrics reflect a varied performance, with a net profit of ₹1,893 Cr reported for the TTM, marking a net profit margin of 1.86% for March 2025. The operating profit margin (OPM) stood at a modest 1%, indicating challenges in maintaining operational efficiency amidst rising expenses. The company’s interest coverage ratio (ICR) was reported at 11.52x, suggesting a strong ability to cover interest obligations. However, the return on equity (ROE) at 10.8% and return on capital employed (ROCE) at 6.58% indicate room for improvement compared to sector averages. The fluctuating OPM, which was negative in several quarters, underscores the need for tighter cost controls and enhanced operational strategies. The reported operating profit of ₹646 Cr for March 2024 reflects a recovery from previous lows, suggesting potential for improved profitability moving forward.
Balance Sheet Strength and Financial Ratios
The balance sheet of HDFC Life demonstrates a solid foundation, with total liabilities reported at ₹349,412 Cr as of March 2025. The company’s reserves have increased to ₹14,814 Cr, reflecting a strong retention of earnings. Borrowings stood at ₹2,350 Cr, which is relatively low compared to total equity, resulting in a low debt-to-equity ratio of 0.18. This indicates a conservative approach to leveraging, which enhances financial stability. The price-to-book value (P/BV) ratio was reported at 9.14x, suggesting that the market values the company’s stock at a premium, indicative of strong investor confidence. However, the current ratio of 1.03 indicates that while the company can meet its short-term obligations, it does not provide much of a buffer. The asset turnover ratio of 0.29% highlights the efficiency of asset utilization, showing potential for operational improvements.
Shareholding Pattern and Investor Confidence
HDFC Life’s shareholding structure shows a stable distribution among various investor categories. As of September 2025, promoters hold 50.25% of the shares, indicating strong management control. Foreign institutional investors (FIIs) accounted for 24.82%, while domestic institutional investors (DIIs) held 14.59%, reflecting a balanced interest from both foreign and domestic investors. The public shareholding stood at 10.32%, which is lower compared to typical sector norms. The number of shareholders has seen a decline, from 9,92,975 in December 2022 to 7,26,959 in September 2025, signaling potential concerns over investor sentiment. The gradual decrease in public shareholding may point towards consolidation by institutional players, which could be interpreted as a sign of confidence in the company’s long-term prospects.
Outlook, Risks, and Final Insight
Looking ahead, HDFC Life faces both opportunities and challenges. The growth in revenue suggests strong market positioning, but profitability metrics indicate that operational efficiency remains a concern that needs addressing. The low debt levels provide a buffer against market volatility, yet the high P/BV ratio may deter some value-focused investors. Risks include potential regulatory changes in the insurance sector and increasing competition from both traditional and digital insurers. Additionally, the volatility in quarterly earnings could impact investor sentiment if not managed effectively. The company could enhance its market position by focusing on cost efficiency and diversifying its product offerings. Overall, while HDFC Life is well-positioned for growth, it must navigate these challenges to sustain its competitive edge and investor confidence.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| 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) | 2,02,481 Cr. | 2,019 | 2,087/1,373 | 82.5 | 182 | 0.13 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 57,703 Cr. | 1,672 | 1,765/950 | 353 | 154 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 94,096 Cr. | 650 | 694/517 | 72.0 | 87.9 | 0.13 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,61,429 Cr. | 748 | 821/584 | 85.3 | 78.7 | 0.28 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 128,927.25 Cr | 1,272.25 | 148.20 | 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: December 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: December 10, 2025, 2:46 am
| 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 Large Cap Fund | 22,200,000 | 3.05 | 1696.75 | 18,217,813 | 2025-12-15 00:54:27 | 21.86% |
| ICICI Prudential India Opportunities Fund | 12,769,358 | 2.88 | 975.96 | 12,290,818 | 2025-12-15 00:54:27 | 3.89% |
| ICICI Prudential Large Cap Fund | 11,578,805 | 1.13 | 884.97 | N/A | N/A | N/A |
| ICICI Prudential Value Fund | 10,831,139 | 1.37 | 827.82 | N/A | N/A | N/A |
| Nippon India Small Cap Fund | 6,169,571 | 0.69 | 471.54 | 5,739,968 | 2025-12-15 00:54:27 | 7.48% |
| Nippon India Large Cap Fund | 5,500,000 | 0.84 | 420.37 | N/A | N/A | N/A |
| ICICI Prudential Banking and Financial Services | 5,241,538 | 3.61 | 400.61 | 4,884,950 | 2025-12-15 00:54:27 | 7.3% |
| ICICI Prudential Multi Asset Fund | 5,069,180 | 0.52 | 387.44 | 7,130,756 | 2025-12-08 08:59:36 | -28.91% |
| ICICI Prudential Balanced Advantage Fund | 4,889,460 | 0.53 | 373.7 | 5,035,781 | 2025-12-08 08:59:36 | -2.91% |
| Axis ELSS Tax Saver Fund | 4,727,026 | 1.03 | 361.29 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 8.41 | 7.32 | 6.41 | 6.49 | 6.74 |
| Diluted EPS (Rs.) | 8.41 | 7.31 | 6.41 | 6.48 | 6.73 |
| Cash EPS (Rs.) | 8.89 | 7.68 | 6.72 | 6.55 | 6.98 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 75.03 | 68.19 | 60.44 | 73.89 | 55.38 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 75.03 | 68.19 | 60.44 | 73.89 | 55.38 |
| Revenue From Operations / Share (Rs.) | 450.17 | 471.80 | 326.64 | 317.74 | 353.71 |
| PBDIT / Share (Rs.) | 6.82 | 5.17 | 6.93 | 7.13 | 8.93 |
| PBIT / Share (Rs.) | 6.34 | 4.80 | 6.58 | 6.87 | 8.68 |
| PBT / Share (Rs.) | 5.75 | 4.43 | 6.19 | 6.74 | 8.59 |
| Net Profit / Share (Rs.) | 8.41 | 7.32 | 6.37 | 6.28 | 6.73 |
| NP After MI And SOA / Share (Rs.) | 8.41 | 7.32 | 6.37 | 6.28 | 6.73 |
| PBDIT Margin (%) | 1.51 | 1.09 | 2.12 | 2.24 | 2.52 |
| PBIT Margin (%) | 1.40 | 1.01 | 2.01 | 2.16 | 2.45 |
| PBT Margin (%) | 1.27 | 0.93 | 1.89 | 2.12 | 2.42 |
| Net Profit Margin (%) | 1.86 | 1.55 | 1.94 | 1.97 | 1.90 |
| NP After MI And SOA Margin (%) | 1.86 | 1.55 | 1.94 | 1.97 | 1.90 |
| Return on Networth / Equity (%) | 11.20 | 10.73 | 10.53 | 8.50 | 12.15 |
| Return on Capital Employeed (%) | 0.40 | 0.35 | 0.58 | 0.64 | 1.01 |
| Return On Assets (%) | 0.51 | 0.52 | 0.55 | 0.57 | 0.75 |
| Long Term Debt / Equity (X) | 0.18 | 0.06 | 0.07 | 0.03 | 0.05 |
| Total Debt / Equity (X) | 0.18 | 0.06 | 0.07 | 0.03 | 0.05 |
| Asset Turnover Ratio (%) | 0.29 | 0.36 | 0.29 | 0.33 | 0.45 |
| Current Ratio (X) | 1.03 | 0.91 | 0.86 | 0.90 | 0.77 |
| Quick Ratio (X) | 1.03 | 0.91 | 0.86 | 0.90 | 0.77 |
| Dividend Payout Ratio (NP) (%) | 23.75 | 25.94 | 26.25 | 30.78 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 22.48 | 24.71 | 24.87 | 29.53 | 0.00 |
| Earning Retention Ratio (%) | 76.25 | 74.06 | 73.75 | 69.22 | 0.00 |
| Cash Earning Retention Ratio (%) | 77.52 | 75.29 | 75.13 | 70.47 | 0.00 |
| Interest Coverage Ratio (X) | 11.52 | 13.90 | 18.07 | 58.91 | 97.97 |
| Interest Coverage Ratio (Post Tax) (X) | 14.80 | 20.37 | 16.27 | 50.45 | 80.68 |
| Enterprise Value (Cr.) | 148727.28 | 135546.16 | 107111.55 | 112936.58 | 140107.92 |
| EV / Net Operating Revenue (X) | 1.53 | 1.34 | 1.53 | 1.68 | 1.96 |
| EV / EBITDA (X) | 101.27 | 121.92 | 71.92 | 74.96 | 77.61 |
| MarketCap / Net Operating Revenue (X) | 1.52 | 1.34 | 1.53 | 1.69 | 1.97 |
| Retention Ratios (%) | 76.24 | 74.05 | 73.74 | 69.21 | 0.00 |
| Price / BV (X) | 9.14 | 9.28 | 8.26 | 7.28 | 12.56 |
| Price / Net Operating Revenue (X) | 1.52 | 1.34 | 1.53 | 1.69 | 1.97 |
| EarningsYield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
After reviewing the key financial ratios for HDFC Life Insurance Company Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.32 (Mar 24) to 8.41, marking an increase of 1.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.31 (Mar 24) to 8.41, marking an increase of 1.10.
- For Cash EPS (Rs.), as of Mar 25, the value is 8.89. This value is within the healthy range. It has increased from 7.68 (Mar 24) to 8.89, marking an increase of 1.21.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 75.03. It has increased from 68.19 (Mar 24) to 75.03, marking an increase of 6.84.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 75.03. It has increased from 68.19 (Mar 24) to 75.03, marking an increase of 6.84.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 450.17. It has decreased from 471.80 (Mar 24) to 450.17, marking a decrease of 21.63.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 6.82. This value is within the healthy range. It has increased from 5.17 (Mar 24) to 6.82, marking an increase of 1.65.
- For PBIT / Share (Rs.), as of Mar 25, the value is 6.34. This value is within the healthy range. It has increased from 4.80 (Mar 24) to 6.34, marking an increase of 1.54.
- For PBT / Share (Rs.), as of Mar 25, the value is 5.75. This value is within the healthy range. It has increased from 4.43 (Mar 24) to 5.75, marking an increase of 1.32.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.32 (Mar 24) to 8.41, marking an increase of 1.09.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 8.41. This value is within the healthy range. It has increased from 7.32 (Mar 24) to 8.41, marking an increase of 1.09.
- For PBDIT Margin (%), as of Mar 25, the value is 1.51. This value is below the healthy minimum of 10. It has increased from 1.09 (Mar 24) to 1.51, marking an increase of 0.42.
- For PBIT Margin (%), as of Mar 25, the value is 1.40. This value is below the healthy minimum of 10. It has increased from 1.01 (Mar 24) to 1.40, marking an increase of 0.39.
- For PBT Margin (%), as of Mar 25, the value is 1.27. This value is below the healthy minimum of 10. It has increased from 0.93 (Mar 24) to 1.27, marking an increase of 0.34.
- For Net Profit Margin (%), as of Mar 25, the value is 1.86. This value is below the healthy minimum of 5. It has increased from 1.55 (Mar 24) to 1.86, marking an increase of 0.31.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 1.86. This value is below the healthy minimum of 8. It has increased from 1.55 (Mar 24) to 1.86, marking an increase of 0.31.
- For Return on Networth / Equity (%), as of Mar 25, the value is 11.20. This value is below the healthy minimum of 15. It has increased from 10.73 (Mar 24) to 11.20, marking an increase of 0.47.
- For Return on Capital Employeed (%), as of Mar 25, the value is 0.40. This value is below the healthy minimum of 10. It has increased from 0.35 (Mar 24) to 0.40, marking an increase of 0.05.
- For Return On Assets (%), as of Mar 25, the value is 0.51. This value is below the healthy minimum of 5. It has decreased from 0.52 (Mar 24) to 0.51, marking a decrease of 0.01.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.18. This value is below the healthy minimum of 0.2. It has increased from 0.06 (Mar 24) to 0.18, marking an increase of 0.12.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.18. This value is within the healthy range. It has increased from 0.06 (Mar 24) to 0.18, marking an increase of 0.12.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.29. It has decreased from 0.36 (Mar 24) to 0.29, marking a decrease of 0.07.
- For Current Ratio (X), as of Mar 25, the value is 1.03. This value is below the healthy minimum of 1.5. It has increased from 0.91 (Mar 24) to 1.03, marking an increase of 0.12.
- For Quick Ratio (X), as of Mar 25, the value is 1.03. This value is within the healthy range. It has increased from 0.91 (Mar 24) to 1.03, marking an increase of 0.12.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 23.75. This value is within the healthy range. It has decreased from 25.94 (Mar 24) to 23.75, marking a decrease of 2.19.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 22.48. This value is within the healthy range. It has decreased from 24.71 (Mar 24) to 22.48, marking a decrease of 2.23.
- For Earning Retention Ratio (%), as of Mar 25, the value is 76.25. This value exceeds the healthy maximum of 70. It has increased from 74.06 (Mar 24) to 76.25, marking an increase of 2.19.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 77.52. This value exceeds the healthy maximum of 70. It has increased from 75.29 (Mar 24) to 77.52, marking an increase of 2.23.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 11.52. This value is within the healthy range. It has decreased from 13.90 (Mar 24) to 11.52, marking a decrease of 2.38.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 14.80. This value is within the healthy range. It has decreased from 20.37 (Mar 24) to 14.80, marking a decrease of 5.57.
- For Enterprise Value (Cr.), as of Mar 25, the value is 148,727.28. It has increased from 135,546.16 (Mar 24) to 148,727.28, marking an increase of 13,181.12.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 1.53. This value is within the healthy range. It has increased from 1.34 (Mar 24) to 1.53, marking an increase of 0.19.
- For EV / EBITDA (X), as of Mar 25, the value is 101.27. This value exceeds the healthy maximum of 15. It has decreased from 121.92 (Mar 24) to 101.27, marking a decrease of 20.65.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.52. This value is within the healthy range. It has increased from 1.34 (Mar 24) to 1.52, marking an increase of 0.18.
- For Retention Ratios (%), as of Mar 25, the value is 76.24. This value exceeds the healthy maximum of 70. It has increased from 74.05 (Mar 24) to 76.24, marking an increase of 2.19.
- For Price / BV (X), as of Mar 25, the value is 9.14. This value exceeds the healthy maximum of 3. It has decreased from 9.28 (Mar 24) to 9.14, marking a decrease of 0.14.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.52. This value is within the healthy range. It has increased from 1.34 (Mar 24) to 1.52, marking an increase of 0.18.
- For EarningsYield, as of Mar 25, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in HDFC Life Insurance Company Ltd:
- Net Profit Margin: 1.86%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0.4% (Industry Average ROCE: 10.88%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 11.2% (Industry Average ROE: 10.89%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 14.8
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.03
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 85.3 (Industry average Stock P/E: 148.2)
- 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 | Contact not found |
| 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 29 December 2025) is 581.64 which is 22.24% lower the current market price of 748.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,61,429 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 1,61,429 Cr..
What is the current Stock Price of HDFC Life Insurance Company Ltd as on 29 December 2025?
The current stock price of HDFC Life Insurance Company Ltd as on 29 December 2025 is 748.
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 85.3.
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 0.28 %.
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.