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HDFC Life Insurance Company Limited HDFCLIFE NIFTY50NSEFINANCIAL

Financial Services · Insurance - Life · India
https://www.hdfclife.com
Company Profile ↓
₹565.65
-26.40% 1Y
Mkt Cap₹1.22 L Cr
P/E63.84
P/B6.97
Div. Yield0.37%
52W High₹793.72
52W Low₹543.31
Book Value₹82.26
EPS (TTM)₹8.86

Company Overview

HDFC Life Insurance Company Limited engages in the provision of individual and group insurance solutions in India. It offers insurance and investment products, such as protection, pension, savings, investment, annuity, and health, as well as term, investment, life insurance, and NRI plans. The company was formerly known as HDFC Standard Life Insurance Company Limited changed its name to HDFC Life Insurance Company Limited in January 2019. HDFC Life Insurance Company Limited was incorporated in 2000 and is headquartered in Mumbai, India. HDFC Life Insurance Company Limited operates as a subsidiary of HDFC Bank Limited.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.8% per year over the last five years.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.17.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹91,606.22 Cr (+1.7% YoY); net profit ₹1,912.32 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +1.7%, earnings +5.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 9.3%, profit CAGR 11.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:9.25%
1 Year:1.71%

Compounded Profit Growth

5 Years:11.81%
1 Year:5.61%

Stock Price Performance

1 Year:-26.40%
6 Months:-24.30%
3 Months:-10.11%
1 Month:-2.33%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 9% of range
₹543.31 ₹793.72
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)44.87 · Neutral
Price Performance
1M-2.33%
3M-10.11%
6M-24.30%
1Y-26.40%
Valuation vs Sector

P/E of 63.84 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Profit CAGR of 11.8% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading at a high P/E of 63.8.
  • Trading 28.7% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
63.84
Industry PE
19.81
Forward P/E
46.53
PEG Ratio
-
Book Value
₹82.26
Price to Book
6.97
P/S
1.25
EV/EBITDA
52.80
Dividend Yield
0.37%

Growth (CAGR)

Revenue 5Y
9.25%
Profit 5Y
11.81%
Revenue (YoY)
1.71%
Earnings (YoY)
5.61%

Profitability & Returns

ROCE
-
ROE
10.77%
ROA
0.49%
Profit Margin
2.09%
Op Margin
2.39%
Gross Margin
10.40%
EPS (Latest Qtr)
₹2.30
EPS (TTM)
₹8.86

Balance Sheet & Liquidity

Debt/Equity
0.17
Quick Ratio
0.47
Current Ratio
1.17
Debt
₹3,099.00 Cr
Total Assets
₹3.91 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
55.57%
Chg in Prom Hold
-0.02%
FII / Inst Holding
29.87%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
₹1.22 L Cr
Total Revenue (TTM)
₹91,606.22 Cr
EBITDA
₹1,235.00 Cr
Free Cash Flow
₹22,337.97 Cr
Operating Cash Flow
₹9,703.00 Cr
Shares Outstanding
₹215.78 Cr
Gross Margin
10.40%
Payout Ratio
23.70%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HDFCLIFE HDFC Life Insurance Company Limited NIFTY50NSEFINANCIAL 565.65 63.84 ₹1.22 L Cr 0.37% - 10.77% 9.25% 11.81%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 20,857.00 Cr23,371.00 Cr23,142.00 Cr26,927.00 Cr28,041.00 Cr26,934.00 Cr-17,246.74 Cr24,149.90 Cr29,469.58 Cr20,651.00 Cr29,420.85 Cr19,815.38 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 21,215.00 Cr23,045.00 Cr23,557.00 Cr26,663.00 Cr27,766.00 Cr26,623.00 Cr----20,336.00 Cr--
Operating Income -358.00 Cr326.00 Cr-415.00 Cr264.00 Cr275.00 Cr311.00 Cr----315.00 Cr--
EBITDA -358.00 Cr326.00 Cr-415.00 Cr264.00 Cr275.00 Cr311.00 Cr----315.00 Cr--
Interest Expense 000000----0--
Pretax Income 525.00 Cr440.00 Cr-279.00 Cr367.00 Cr450.00 Cr401.00 Cr-452.37 Cr485.94 Cr563.58 Cr471.00 Cr441.01 Cr489.70 Cr
Tax Provision 162.75 Cr22.00 Cr655.65 Cr-036.00 Cr-80.20 Cr-31.06 Cr10.58 Cr15.23 Cr23.55 Cr22.82 Cr-7.79 Cr
Net Income 362.00 Cr417.00 Cr378.00 Cr368.00 Cr412.00 Cr479.00 Cr-421.31 Cr475.36 Cr548.35 Cr448.00 Cr418.19 Cr497.49 Cr
Diluted EPS 1.681.941.761.711.912.23-1.962.212.542.081.942.30

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 27,215.00 Cr18,141.00 Cr30,647.00 Cr32,260.00 Cr38,855.00 Cr29,380.00 Cr71,528.00 Cr-70,246.32 Cr95,823.27 Cr90,068.53 Cr91,606.22 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 26,341.00 Cr17,187.00 Cr29,674.00 Cr31,186.00 Cr37,640.00 Cr28,239.00 Cr70,294.00 Cr-----
Operating Income 831.00 Cr908.00 Cr931.00 Cr1,030.00 Cr1,170.00 Cr1,094.00 Cr1,184.00 Cr1,394.85 Cr1,395.49 Cr1,681.58 Cr2,019.79 Cr2,190.95 Cr
EBITDA 874.00 Cr953.00 Cr972.00 Cr1,074.00 Cr1,215.00 Cr1,141.00 Cr1,235.00 Cr-----
Interest Expense -14.00 Cr8.00 Cr9.00 Cr11.00 Cr14.00 Cr0092.09 Cr113.28 Cr111.91 Cr141.85 Cr228.62 Cr
Pretax Income 924.00 Cr1,008.00 Cr1,061.00 Cr1,300.00 Cr1,291.00 Cr1,463.00 Cr1,629.00 Cr-1,282.21 Cr1,569.67 Cr1,877.94 Cr1,962.33 Cr
Tax Provision 138.60 Cr191.52 Cr169.76 Cr195.00 Cr12.91 Cr160.93 Cr260.64 Cr--86.07 Cr-4.41 Cr67.12 Cr50.01 Cr
Net Income 786.00 Cr817.00 Cr887.00 Cr1,107.00 Cr1,278.00 Cr1,297.00 Cr1,361.00 Cr-1,368.28 Cr1,574.08 Cr1,810.82 Cr1,912.32 Cr
Diluted EPS 3.944.094.445.506.336.436.73-6.417.318.418.86

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 69,309.00 Cr76,544.00 Cr95,097.00 Cr1.10 L Cr1.30 L Cr1.32 L Cr1.80 L Cr-2.48 L Cr3.03 L Cr3.49 L Cr3.91 L Cr
Current Assets ------------
Cash & Equivalents --------1,903.63 Cr2,178.28 Cr2,275.66 Cr2,405.00 Cr
Inventory ------------
Receivables --------987.95 Cr1,519.43 Cr1,555.22 Cr1,811.11 Cr
Total Liabilities --------2.35 L Cr2.88 L Cr3.33 L Cr3.73 L Cr
Current Liabilities ------------
Long Term Debt --------950.00 Cr950.00 Cr2,950.00 Cr3,099.00 Cr
Total Debt 000000600.00 Cr-950.00 Cr950.00 Cr2,950.00 Cr3,099.00 Cr
Total Equity 2,541.00 Cr3,103.00 Cr3,826.00 Cr4,705.00 Cr5,642.00 Cr6,807.00 Cr8,640.00 Cr-12,993.14 Cr14,666.34 Cr16,154.62 Cr17,749.54 Cr
Shares Outstanding --------214.94 Cr215.09 Cr215.30 Cr215.78 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 4,459.00 Cr5,687.00 Cr6,230.00 Cr6,739.00 Cr9,868.00 Cr7,388.00 Cr9,703.00 Cr-----
Investing Cash Flow -3,514.00 Cr-3,962.00 Cr-5,177.00 Cr-4,421.00 Cr-10,182.00 Cr-7,789.00 Cr-8,952.00 Cr--10,087.38 Cr-13,624.63 Cr-13,638.24 Cr-23,871.12 Cr
Financing Cash Flow -168.00 Cr-212.00 Cr-236.00 Cr-196.00 Cr-337.00 Cr38.00 Cr678.00 Cr-1,984.71 Cr-403.39 Cr1,607.47 Cr-274.64 Cr
Capital Expenditure -107.00 Cr-33.00 Cr-47.00 Cr-33.00 Cr-43.00 Cr-37.00 Cr-60.00 Cr--87.57 Cr-135.95 Cr-300.72 Cr-287.09 Cr
Free Cash Flow 4,352.00 Cr5,654.00 Cr6,183.00 Cr6,706.00 Cr9,825.00 Cr7,351.00 Cr9,643.00 Cr-6,795.59 Cr10,585.41 Cr15,296.35 Cr22,337.97 Cr
Net Change in Cash 777.00 Cr1,513.00 Cr817.00 Cr2,122.00 Cr-651.00 Cr-364.00 Cr1,429.00 Cr--1,219.50 Cr-3,306.66 Cr3,566.30 Cr-1,520.70 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % 3.1%5.0%3.0%3.2%3.0%3.7%1.7%-2.0%1.8%2.2%2.4%
Net Margin % 2.9%4.5%2.9%3.4%3.3%4.4%1.9%-1.9%1.6%2.0%2.1%
ROE % 30.9%26.3%23.2%23.5%22.7%19.1%15.8%-10.5%10.7%11.2%10.8%
ROCE % ------------

Shareholding Pattern

Insiders
55.57%
Institutions
29.87%
Public Float
67.22%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for HDFCLIFE

Google News Fri, 10 Jul 2026

HDFCLIFE Outlook for the Week (July 13, 2026 – July 17, 2026) - Equitypandit

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Google News Wed, 15 Jul 2026

Q1 Results LIVE Updates: LTTS, Tata Elxsi react to results; HDFC Life and AMC, Groww report today - CNBC TV18

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Google News ue, 16 Jun 2026

Is It Smart To Buy HDFC Life Insurance Company Limited (NSE:HDFCLIFE) Before It Goes Ex-Dividend? - simplywall.st

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Google News Fri, 10 Jul 2026

SBI Life, HDFC Life, ICICI Prudential shares in focus as June premium growth picks up: Kotak - Moneycontrol.com

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Google News hu, 09 Jul 2026

HDFC Life stock stays supported by steady insurance growth - Ad-hoc-news.de

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Google News Fri, 17 Apr 2026

HDFC Bank (NYSE: HDB) to invest up to Rs 1,000 crore in HDFC Life - Stock Titan

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HDFCLIFE — Frequently Asked Questions

What is the current share price of HDFC Life Insurance Company Limited (HDFCLIFE)?

As of 2026-07-15 09:52 IST, HDFC Life Insurance Company Limited (HDFCLIFE) trades at ₹565.65 on NSE. Its 52-week range is ₹543.31 to ₹793.72.

What is the market capitalisation of HDFCLIFE?

HDFC Life Insurance Company Limited (HDFCLIFE) has a market capitalisation of ₹1.22 L Cr on NSE.

What is the P/E ratio of HDFCLIFE?

HDFCLIFE trades at a trailing price-to-earnings (P/E) ratio of 63.84. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 6.97.

Does HDFCLIFE pay a dividend?

HDFC Life Insurance Company Limited (HDFCLIFE) currently offers a dividend yield of 0.37%.

What is the return on equity (ROE) of HDFCLIFE?

HDFCLIFE has a return on equity (ROE) of 10.77%.

Is HDFCLIFE a good stock to buy?

This page provides a data-driven analysis of HDFC Life Insurance Company Limited (HDFCLIFE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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