Canara HSBC Life Insurance Company Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| LICI | 406.00 | 8.55 | 513589.81 | 2.46 | 135866.90 | 23.98 | 1276231.60 | 6.69 | 37.75 | -76.97 |
| SBILIFE | 1701.00 | 65.62 | 170669.76 | 0.16 | 7249.30 | 21.97 | 200782.10 | 16.88 | 14.15 | -127.01 |
| HDFCLIFE | 525.00 | 57.75 | 114060.92 | 0.40 | 611.19 | 11.46 | 16727.63 | 15.05 | 10.01 | -98.79 |
| ICICIGI | 1474.00 | 30.33 | 73641.45 | 0.92 | 4031.70 | 439.66 | 59500.40 | 1058.48 | 23.62 | -10.35 |
| ICICIPRULI | 473.50 | 40.79 | 68715.29 | 0.35 | 623.91 | 61.94 | 19180.08 | 17.17 | 11.82 | 79.46 |
| GICRE | 344.20 | 6.80 | 60386.45 | 3.85 | 1743.67 | -31.10 | 11097.77 | -1.56 | 22.43 | -10.45 |
| STARHEALTH | 575.45 | 40.12 | 33872.35 | 0.00 | 549.73 | 109.40 | 4917.20 | 24.86 | 9.70 | 2.89 |
| NIACL | 197.50 | 42.31 | 32548.00 | 0.76 | -2391.50 | -695.39 | 97472.80 | 934.31 | 5.44 | -24.14 |
| GODIGIT | 250.55 | 47.07 | 23179.50 | 0.00 | 86.39 | -37.55 | 2006.96 | 7.61 | 13.56 | -15.23 |
| NIVABUPA | 79.44 | 40.81 | 14693.58 | 0.00 | 137.80 | 250.70 | 2273.72 | 86.37 | 3.75 | -0.22 |
| CANHLIFE | 151.85 | 109.84 | 14425.75 | 0.26 | 281.40 | 1101.54 | 20475.20 | 1138.35 | 8.35 | -112.52 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-10 - Canara HSBC Life Insurance Company Limited has informed the Exchange about Action(s) taken or orders passed
2026-09-09 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding Change in Director(s) of the company.
2026-08-31 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding 'Intimation of resignation of Chief Financial Officer'.
2026-08-25 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding 'Disclosure regarding execution of Corporate Agency agreement'.
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 - Canara HSBC Life Insurance Company Limited has informed the Exchange about Resignation of Director/KMP/SMP
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 - Canara HSBC Life Insurance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 20, 2026
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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