Canara HSBC Life Insurance Company Ltd.

•

canarahsbclife.comBSE: 544583NSE: CANHLIFE

Market Cap₹ 14,435 Cr.

Current Price

High / Low₹ 167 / 106

Stock P/E109.9

Book Value₹ 17

Price to Book8.31

Dividend Yield0.26 %

ROCE8.3 %

ROE8.1 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has been maintaining a healthy dividend payout of 30.0%
Institutional investors have been accumulating - FII+DII up 35.1pp
Company generates healthy free cash flow

CONS

Company is loss-making at the operating / net level
Promoter holding has decreased over last 2 years: -38.0pp
Company has a low return on equity of 8.1% over last 3 years
Operating margins have contracted to -15.8% from 2.3%
Effective tax rate is unusually low at 0.0% - earnings may be flattered
Company has delivered a poor profit growth of 6.0% over past five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesInsuranceInsurance

Part ofNIFTY TOTAL MKT NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	LICI	403.70	8.50	510680.31	2.48	135866.90	23.98	1276231.60	6.69	37.75	-76.97
2.	SBILIFE	1695.00	65.39	170067.75	0.16	7249.30	21.97	200782.10	16.88	14.15	-127.01
3.	HDFCLIFE	530.00	58.30	115147.22	0.40	611.19	11.46	16727.63	15.05	10.01	-98.79
4.	ICICIGI	1459.00	30.02	72892.05	0.93	4031.70	439.66	59500.40	1058.48	23.62	-10.35
5.	ICICIPRULI	471.25	40.60	68388.76	0.35	623.91	61.94	19180.08	17.17	11.82	79.46
6.	GICRE	349.55	6.91	61325.05	3.79	1743.67	-31.10	11097.77	-1.56	22.43	-10.45
7.	STARHEALTH	562.20	39.20	33092.42	0.00	549.73	109.40	4917.20	24.86	9.70	2.89
8.	NIACL	198.15	42.45	32655.12	0.76	-2391.50	-695.39	97472.80	934.31	5.44	-24.14
9.	GODIGIT	255.85	48.07	23669.82	0.00	86.39	-37.55	2006.96	7.61	13.56	-15.23
10.	NIVABUPA	79.97	41.09	14791.61	0.00	137.80	250.70	2273.72	86.37	3.75	-0.22
11.	CANHLIFE	151.95	109.92	14435.25	0.26	281.40	1101.54	20475.20	1138.35	8.35	-112.52

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,829	2,005	2,703	1,653	2,260	2,867	3,061	2,048
	3,317	1,539	2,749	3,625	2,332	4,272	1,258	4,351
Operating Profit	-1,488	466	-45	-1,972	-72	-1,405	1,802	-2,304
OPM %	-81.33%	23.25%	-1.67%	-119.26%	-3.21%	-49.01%	58.89%	-112.52%
	1,531	-438	80	1,998	118	1,436	-1,764	2,335
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
Profit before Tax	43	28	35	26	45	31	39	32
Tax %	14.55%	-4.42%	8.39%	10.16%	9.83%	10.34%	10.05%	10.70%
Net Profit	37	29	32	23	41	28	35	28
	0.39	0.31	0.34	0.25	0.43	0.29	0.37	0.30

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	0	0	0	10,235
	0	0	0	0	0	0	0	0	0	0	12,214
Operating Profit	0	0	0	0	0	0	0	0	0	0	-1,979
OPM %	—	—	—	—	—	—	—	—	—	—	-19.34%
	0	0	0	0	0	0	0	0	0	0	2,125
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	111	168	165	105	102	10	100	124	128	141	146
Tax %	0.00%	0.00%	0.00%	0.00%	7.34%	0.01%	8.64%	8.52%	8.72%	10.07%	10.18%
Net Profit	111	168	165	105	95	10	91	113	117	127	131
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.19	1.23	1.33	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	278.23%	0.00%	16.77%	32.48%	30.01%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: 0%
5 Years:: 6%
3 Years:: 12%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 10%
5 Years:: 6%
3 Years:: 8%
Last Year:: 8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	950	950	950	950	950	950	950	950	950	950
	-203	-35	130	236	330	340	403	469	567	655
	0	0	0	0	0	0	0	0	0	250
	-747	-915	-1,080	-1,186	-1,280	-1,290	-1,353	-1,419	40,335	44,969
Total Liabilities	0	0	0	0	0	0	0	0	41,852	46,824
	8	8	10	32	37	42	48	54	42	31
Capital Work in Progress	0	0	0	0	0	0	0	0	4	6
Cash & Bank	122	211	268	168	272	340	387	422	611	613
	-130	-218	-278	-200	-309	-382	-435	-476	41,195	46,174
Total Assets	0	0	0	0	0	0	0	0	41,852	46,824

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	135	517	1,243	1,393	2,393	2,071	2,669	2,310	1,208	3,534
Cash from Investing	36	-375	-1,142	-1,438	-2,236	-1,929	-2,576	-2,045	-714	-3,666
Cash from Financing	0	0	0	0	0	0	-28	-48	-19	212
	128	89	58	-100	103	69	-12	218	474	80

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Aug 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Oct 2025	Dec 2025	Mar 2026	Jun 2026
	100.00	100.00	100.00	100.00	100.00	62.00	62.00	62.00	62.00
	0.00	0.00	0.00	0.00	0.00	6.97	4.57	5.67	5.42
	0.00	0.00	0.00	0.00	0.00	26.22	30.85	29.79	29.67
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	0.00	0.00	0.00	0.00	0.00	4.80	2.58	2.54	2.91

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

Action(s) taken or orders passed

2026-09-10 - Canara HSBC Life Insurance Company Limited has informed the Exchange about Action(s) taken or orders passed

2026-09-09

Change in Director(s)

2026-09-09 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-08-31

Updates

2026-08-31 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding 'Intimation of resignation of Chief Financial Officer'.

2026-08-25

Updates

2026-08-25 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding 'Disclosure regarding execution of Corporate Agency agreement'.

2026-08-24

Shareholders meeting

2026-08-24 - Canara HSBC Life Insurance Company Limited has submitted the Exchange a copy of Scrutinizers report of Annual General Meeting held on August 20, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-21

Resignation of Director/KMP/SMP

2026-08-21 - Canara HSBC Life Insurance Company Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-08-21

Resignation

2026-08-21 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding Resignation of Mr Edward Charles Lawrence Moncreiffe as Non- Executive Director of the company w.e.f. August 21, 2026.

2026-08-20

Shareholders meeting

2026-08-20 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 20, 2026

2026-08-13

Record Date

2026-08-13 - Canara HSBC Life Insurance Company Limited has informed the Exchange that Record date for the purpose of Dividend is 14-Aug-2026.

News

Recent coverage and analyst commentary for CANHLIFE

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Canara HSBC Life Insurance Company Ltd.

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Free 5nance Account

Name

LICI

403.70

8.50

510680.31

2.48

135866.90

23.98

1276231.60

6.69

37.75

-76.97

SBILIFE

1695.00

65.39

170067.75

0.16

7249.30

21.97

200782.10

16.88

14.15

-127.01

HDFCLIFE

530.00

58.30

115147.22

0.40

611.19

11.46

16727.63

15.05

10.01

-98.79

ICICIGI

1459.00

30.02

72892.05

0.93

4031.70

439.66

59500.40

1058.48

23.62

-10.35

ICICIPRULI

471.25

40.60

68388.76

0.35

623.91

61.94

19180.08

17.17

11.82

79.46

GICRE

349.55

6.91

61325.05

3.79

1743.67

-31.10

11097.77

-1.56

22.43

-10.45

STARHEALTH

562.20

39.20

33092.42

0.00

549.73

109.40

4917.20

24.86

9.70

2.89

NIACL

198.15

42.45

32655.12

0.76

-2391.50

-695.39

97472.80

934.31

5.44

-24.14

GODIGIT

255.85

48.07

23669.82

0.00

86.39

-37.55

2006.96

7.61

13.56

-15.23

NIVABUPA

79.97

41.09

14791.61

0.00

137.80

250.70

2273.72

86.37

3.75

-0.22

CANHLIFE

151.95

109.92

14435.25

0.26

281.40

1101.54

20475.20

1138.35

8.35

-112.52

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

1,829

2,005

2,703

1,653

2,260

2,867

3,061

2,048

3,317

1,539

2,749

3,625

2,332

4,272

1,258

4,351

Operating Profit

-1,488

466

-45

-1,972

-72

-1,405

1,802

-2,304

OPM %

-81.33%

23.25%

-1.67%

-119.26%

-3.21%

-49.01%

58.89%

-112.52%

1,531

-438

1,998

118

1,436

-1,764

2,335

Interest

Depreciation

Profit before Tax

Tax %

14.55%

-4.42%

8.39%

10.16%

9.83%

10.34%

10.05%

10.70%

Net Profit

0.39

0.31

0.34

0.25

0.43

0.29

0.37

0.30

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

10,235

12,214

Operating Profit

-1,979

OPM %

—

-19.34%

2,125

Interest

Depreciation

Profit before Tax

111

168

165

105

102

100

124

128

141

146

Tax %

0.00%

7.34%

0.01%

8.64%

8.52%

8.72%

10.07%

10.18%

Net Profit

111

168

165

105

113

117

127

131

EPS

0.00

1.19

1.23

1.33

—

Dividend Payout %

0.00%

278.23%

0.00%

16.77%

32.48%

30.01%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

950

-203

-35

130

236

330

340

403

469

567

655

250

-747

-915

-1,080

-1,186

-1,280

-1,290

-1,353

-1,419

40,335

44,969

Total Liabilities

41,852

46,824

Capital Work in Progress

Cash & Bank

122

211

268

168

272

340

387

422

611

613

-130

-218

-278

-200

-309

-382

-435

-476

41,195

46,174

Total Assets

41,852

46,824

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

135

517

1,243

1,393

2,393

2,071

2,669

2,310

1,208

3,534

Cash from Investing

-375

-1,142

-1,438

-2,236

-1,929

-2,576

-2,045

-714

-3,666

Cash from Financing

-28

-48

-19

212

128

-100

103

-12

218

474

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Aug 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Oct 2025

Dec 2025

Mar 2026

Jun 2026

100.00

62.00

0.00

6.97

4.57

5.67

5.42

0.00

26.22

30.85

29.79

29.67

Government

0.00

Public

0.00

4.80

2.58

2.54

2.91

Canara HSBC Life Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Canara HSBC Life Insurance Company Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI