Share Price and Basic Stock Data
Last Updated: November 6, 2025, 8:57 pm
| PEG Ratio | 12.31 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
HDFC Life Insurance Company Ltd operates in the finance sector, specifically in life insurance, with a current market capitalization of ₹1,61,060 Cr. The company’s share price stood at ₹747. In the financial year ending March 2024, HDFC Life reported sales of ₹101,482 Cr, marking an increase from ₹70,207 Cr in March 2023. This growth trajectory reflects a robust recovery following a dip in revenues to ₹29,380 Cr in March 2020, illustrating resilience amidst market fluctuations. Quarterly sales figures also demonstrated variability, with the latest reported quarter (June 2025) showcasing sales of ₹29,463 Cr, which is indicative of a trend toward increasing sales volume. The operating profit margin, however, remained modest, recorded at 1% for the latest fiscal period, suggesting that while revenues are rising, cost management remains a key area for improvement.
Profitability and Efficiency Metrics
HDFC Life’s profitability metrics reveal a mixed performance. The net profit for the trailing twelve months (TTM) stood at ₹1,880 Cr, with a net profit margin of 1.86% for the financial year ending March 2025. The return on equity (ROE) was reported at 10.8%, while the return on capital employed (ROCE) was lower at 6.58%, reflecting challenges in generating returns relative to equity and capital employed. The company’s interest coverage ratio (ICR) was strong at 11.52x, indicating a solid capacity to meet interest obligations, which is crucial given the reported borrowings of ₹2,950 Cr. However, the operating profit fluctuated significantly, with a low of -358 in March 2023, highlighting potential inefficiencies in operational management that need addressing to sustain profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of HDFC Life demonstrates a solid financial foundation, with total assets amounting to ₹349,412 Cr as of March 2025. The equity capital was reported at ₹2,153 Cr, while reserves stood at ₹14,002 Cr, showing substantial growth from ₹10,844 Cr in March 2023. The company’s debt levels, reflected by a total debt to equity ratio of 0.18, indicate a conservative leverage approach. The price-to-book value ratio was recorded at 9.14x, suggesting that the stock is trading at a premium compared to its book value, which stood at ₹75.03 per share. Additionally, the current ratio of 1.03 indicates adequate liquidity to cover short-term obligations. However, the operating profit margin remains low, which could impact overall profitability if not managed effectively.
Shareholding Pattern and Investor Confidence
HDFC Life’s shareholding structure reflects a balanced distribution among various stakeholders. As of June 2025, promoters hold 50.28% of the shares, while foreign institutional investors (FIIs) accounted for 24.75%. Domestic institutional investors (DIIs) controlled 14.57%, leaving the public with 10.37%. This distribution indicates significant promoter confidence in the company’s future, as the promoter stake has remained relatively stable over recent quarters. The number of shareholders stood at 7,38,630, which suggests a growing interest among retail investors. However, the slight decline in FII holdings from 30.15% in December 2022 to 24.75% in June 2025 may indicate shifting sentiment among institutional investors, which could affect market perception and stock performance.
Outlook, Risks, and Final Insight
The outlook for HDFC Life appears cautiously optimistic, given its revenue growth and strong interest coverage ratios. However, the company faces inherent risks, including fluctuating operating margins and reliance on institutional investor confidence. The low operating profit margin and challenges in maintaining profit levels could hinder growth if not addressed. Furthermore, the competitive landscape of the life insurance sector, influenced by regulatory changes and market dynamics, poses additional risks. To strengthen its market position, HDFC Life may need to enhance operational efficiency and explore innovative product offerings. Overall, while the company shows potential for growth, it must navigate these challenges strategically to sustain long-term profitability and shareholder value.
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) | 1,97,486 Cr. | 1,971 | 1,997/1,373 | 80.5 | 182 | 0.14 % | 16.9 % | 15.1 % | 10.0 |
| Max Financial Services Ltd | 54,668 Cr. | 1,584 | 1,679/950 | 201 | 153 | 0.00 % | 8.13 % | 7.26 % | 2.00 |
| ICICI Prudential Life Insurance Company Ltd | 87,387 Cr. | 604 | 724/517 | 66.9 | 87.9 | 0.14 % | 11.9 % | 10.4 % | 10.0 |
| HDFC Life Insurance Company Ltd | 1,58,667 Cr. | 736 | 821/584 | 83.8 | 78.7 | 0.29 % | 6.58 % | 10.8 % | 10.0 |
| Industry Average | 124,552.00 Cr | 1,223.75 | 108.05 | 125.40 | 0.14% | 10.88% | 10.89% | 8.00 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,690 | 23,083 | 19,577 | 20,857 | 23,371 | 23,142 | 26,927 | 28,041 | 26,934 | 28,497 | 17,300 | 24,191 | 29,463 |
| Expenses | 6,386 | 22,815 | 19,787 | 21,215 | 23,045 | 23,557 | 26,663 | 27,766 | 26,623 | 28,807 | 16,852 | 23,814 | 29,024 |
| Operating Profit | 304 | 268 | -210 | -358 | 326 | -415 | 264 | 275 | 311 | -310 | 448 | 377 | 439 |
| OPM % | 5% | 1% | -1% | -2% | 1% | -2% | 1% | 1% | 1% | -1% | 3% | 2% | 1% |
| Other Income | 74 | 87 | 394 | 882 | 114 | 136 | 103 | 174 | 90 | 279 | -29 | 124 | 164 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 378 | 355 | 184 | 525 | 440 | -279 | 367 | 450 | 401 | -30 | 419 | 500 | 604 |
| Tax % | 4% | 7% | -72% | 31% | 5% | -235% | -0% | 8% | -20% | -1,541% | -1% | 5% | 9% |
| Net Profit | 361 | 329 | 316 | 362 | 417 | 378 | 368 | 412 | 479 | 435 | 421 | 475 | 548 |
| EPS in Rs | 1.71 | 1.53 | 1.47 | 1.68 | 1.94 | 1.76 | 1.71 | 1.91 | 2.23 | 2.02 | 1.96 | 2.21 | 2.54 |
Last Updated: August 1, 2025, 8:25 pm
Below is a detailed analysis of the quarterly data for HDFC Life Insurance Company Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 29,463.00 Cr.. The value appears strong and on an upward trend. It has increased from 24,191.00 Cr. (Mar 2025) to 29,463.00 Cr., marking an increase of 5,272.00 Cr..
- For Expenses, as of Jun 2025, the value is 29,024.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23,814.00 Cr. (Mar 2025) to 29,024.00 Cr., marking an increase of 5,210.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 439.00 Cr.. The value appears strong and on an upward trend. It has increased from 377.00 Cr. (Mar 2025) to 439.00 Cr., marking an increase of 62.00 Cr..
- For OPM %, as of Jun 2025, the value is 1.00%. The value appears to be declining and may need further review. It has decreased from 2.00% (Mar 2025) to 1.00%, marking a decrease of 1.00%.
- For Other Income, as of Jun 2025, the value is 164.00 Cr.. The value appears strong and on an upward trend. It has increased from 124.00 Cr. (Mar 2025) to 164.00 Cr., marking an increase of 40.00 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 604.00 Cr.. The value appears strong and on an upward trend. It has increased from 500.00 Cr. (Mar 2025) to 604.00 Cr., marking an increase of 104.00 Cr..
- For Tax %, as of Jun 2025, the value is 9.00%. The value appears to be increasing, which may not be favorable. It has increased from 5.00% (Mar 2025) to 9.00%, marking an increase of 4.00%.
- For Net Profit, as of Jun 2025, the value is 548.00 Cr.. The value appears strong and on an upward trend. It has increased from 475.00 Cr. (Mar 2025) to 548.00 Cr., marking an increase of 73.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.54. The value appears strong and on an upward trend. It has increased from 2.21 (Mar 2025) to 2.54, marking an increase of 0.33.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: July 22, 2025, 3:44 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 17,166 | 27,215 | 18,141 | 30,647 | 32,260 | 38,855 | 29,380 | 71,528 | 67,126 | 70,207 | 101,482 | 92,922 | 99,451 |
| Expenses | 16,561 | 26,341 | 17,187 | 29,674 | 31,186 | 37,640 | 28,239 | 70,294 | 66,348 | 70,127 | 100,836 | 91,894 | 98,497 |
| Operating Profit | 605 | 874 | 953 | 972 | 1,074 | 1,215 | 1,141 | 1,235 | 778 | 80 | 646 | 1,028 | 955 |
| OPM % | 4% | 3% | 5% | 3% | 3% | 3% | 4% | 2% | 1% | 0% | 1% | 1% | 1% |
| Other Income | 241 | 79 | 108 | 139 | 282 | 136 | 369 | 445 | 766 | 1,437 | 410 | 366 | 538 |
| Interest | 11 | -14 | 8 | 9 | 11 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 41 | 43 | 45 | 41 | 44 | 45 | 47 | 51 | 56 | 76 | 79 | 104 | 0 |
| Profit before tax | 794 | 924 | 1,008 | 1,061 | 1,300 | 1,291 | 1,463 | 1,629 | 1,487 | 1,441 | 977 | 1,290 | 1,493 |
| Tax % | 9% | 15% | 19% | 16% | 15% | 1% | 11% | 16% | 11% | 5% | -61% | -40% | |
| Net Profit | 725 | 786 | 817 | 887 | 1,107 | 1,278 | 1,297 | 1,361 | 1,327 | 1,368 | 1,574 | 1,811 | 1,880 |
| EPS in Rs | 3.64 | 3.94 | 4.09 | 4.44 | 5.50 | 6.33 | 6.43 | 6.73 | 6.28 | 6.37 | 7.32 | 8.41 | 8.73 |
| Dividend Payout % | 14% | 18% | 22% | 25% | 25% | 26% | 0% | 30% | 27% | 30% | 27% | 25% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 8.41% | 3.94% | 8.57% | 24.80% | 15.45% | 1.49% | 4.93% | -2.50% | 3.09% | 15.06% | 15.06% |
| Change in YoY Net Profit Growth (%) | 0.00% | -4.47% | 4.62% | 16.23% | -9.36% | -13.96% | 3.45% | -7.43% | 5.59% | 11.97% | -0.00% |
HDFC Life Insurance Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 26% |
| 3 Years: | 11% |
| TTM: | -5% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 5% |
| 3 Years: | 8% |
| TTM: | 15% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 6% |
| 3 Years: | 10% |
| 1 Year: | 0% |
| Return on Equity | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 11% |
| 3 Years: | 10% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 5:45 am
Balance Sheet
Last Updated: July 25, 2025, 3:07 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,995 | 1,995 | 1,995 | 1,998 | 2,012 | 2,017 | 2,019 | 2,021 | 2,113 | 2,149 | 2,151 | 2,153 |
| Reserves | -67 | 546 | 1,108 | 1,828 | 2,693 | 3,625 | 4,788 | 6,619 | 13,501 | 10,844 | 12,515 | 14,002 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600 | 600 | 950 | 950 | 2,950 |
| Other Liabilities | 50,347 | 66,767 | 73,441 | 91,270 | 105,778 | 124,378 | 125,417 | 170,415 | 214,521 | 234,126 | 287,071 | 330,307 |
| Total Liabilities | 52,275 | 69,309 | 76,544 | 95,097 | 110,483 | 130,020 | 132,224 | 179,655 | 230,734 | 248,069 | 302,687 | 349,412 |
| Fixed Assets | 279 | 346 | 335 | 337 | 336 | 370 | 322 | 585 | 6,605 | 997 | 1,549 | 2,143 |
| CWIP | 10 | 6 | 12 | 16 | 5 | 10 | 8 | 14 | 20 | 31 | 28 | 109 |
| Investments | 50,527 | 67,024 | 74,144 | 91,723 | 106,590 | 124,958 | 127,256 | 173,564 | 216,551 | 238,197 | 291,128 | 334,756 |
| Other Assets | 1,458 | 1,932 | 2,053 | 3,020 | 3,551 | 4,682 | 4,637 | 5,493 | 7,559 | 8,844 | 9,982 | 12,404 |
| Total Assets | 52,275 | 69,309 | 76,544 | 95,097 | 110,483 | 130,020 | 132,224 | 179,655 | 230,734 | 248,069 | 302,687 | 349,412 |
Below is a detailed analysis of the balance sheet data for HDFC Life Insurance Company Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 2,153.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,151.00 Cr. (Mar 2024) to 2,153.00 Cr., marking an increase of 2.00 Cr..
- For Reserves, as of Mar 2025, the value is 14,002.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,515.00 Cr. (Mar 2024) to 14,002.00 Cr., marking an increase of 1,487.00 Cr..
- For Borrowings, as of Mar 2025, the value is 2,950.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 950.00 Cr. (Mar 2024) to 2,950.00 Cr., marking an increase of 2,000.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 330,307.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 287,071.00 Cr. (Mar 2024) to 330,307.00 Cr., marking an increase of 43,236.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 349,412.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 302,687.00 Cr. (Mar 2024) to 349,412.00 Cr., marking an increase of 46,725.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 2,143.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,549.00 Cr. (Mar 2024) to 2,143.00 Cr., marking an increase of 594.00 Cr..
- For CWIP, as of Mar 2025, the value is 109.00 Cr.. The value appears strong and on an upward trend. It has increased from 28.00 Cr. (Mar 2024) to 109.00 Cr., marking an increase of 81.00 Cr..
- For Investments, as of Mar 2025, the value is 334,756.00 Cr.. The value appears strong and on an upward trend. It has increased from 291,128.00 Cr. (Mar 2024) to 334,756.00 Cr., marking an increase of 43,628.00 Cr..
- For Other Assets, as of Mar 2025, the value is 12,404.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,982.00 Cr. (Mar 2024) to 12,404.00 Cr., marking an increase of 2,422.00 Cr..
- For Total Assets, as of Mar 2025, the value is 349,412.00 Cr.. The value appears strong and on an upward trend. It has increased from 302,687.00 Cr. (Mar 2024) to 349,412.00 Cr., marking an increase of 46,725.00 Cr..
Notably, the Reserves (14,002.00 Cr.) exceed the Borrowings (2,950.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 605.00 | 874.00 | 953.00 | 972.00 | 1.00 | 1.00 | 1.00 | -599.00 | 178.00 | -870.00 | -304.00 | -1.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -11 | -11 | -27 | -20 | -25 | -16 | -17 | -13 | -11 | -12 | -8 | -6 |
| ROCE % | 49% | 41% | 36% | 31% | 31% | 23% | 24% | 20% | 12% | 10% | 5% | 7% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI 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: 83.8 (Industry average Stock P/E: 108.05)
- 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 07 November 2025) is 571.47 which is 22.35% lower the current market price of 736.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,58,667 Cr. market cap, FY2025-2026 high/low of 821/584, reserves of ₹14,002 Cr, and liabilities of 349,412 Cr.
What is the Market Cap of HDFC Life Insurance Company Ltd?
The Market Cap of HDFC Life Insurance Company Ltd is 1,58,667 Cr..
What is the current Stock Price of HDFC Life Insurance Company Ltd as on 07 November 2025?
The current stock price of HDFC Life Insurance Company Ltd as on 07 November 2025 is 736.
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 83.8.
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 0.29 %.
What is the ROCE of HDFC Life Insurance Company Ltd?
The ROCE of HDFC Life Insurance Company Ltd is 6.58 %.
What is the ROE of HDFC Life Insurance Company Ltd?
The ROE of HDFC Life Insurance Company Ltd is 10.8 %.
What is the Face Value of HDFC Life Insurance Company Ltd?
The Face Value of HDFC Life Insurance Company Ltd is 10.0.