HDFC Life Insurance Company Ltd.

•

hdfclife.comBSE: 540777NSE: HDFCLIFE

Market Cap₹ 1,15,147 Cr.

Current Price

High / Low₹ 797 / 509

Stock P/E58.3

Book Value₹ 90

Price to Book7.30

Dividend Yield0.40 %

ROCE10.0 %

ROE11.5 %

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 a consistent dividend-paying track record

CONS

Company is loss-making at the operating / net level
Operating margins have contracted to -26.4% from 2.7%
Effective tax rate is unusually low at 4.8% - earnings may be flattered
Company has delivered a poor profit growth of 7.0% over past five years
Expensive relative to growth - PEG of 4.9
Company's return on assets is weak at 0.5%

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

Peer comparison

Financial ServicesInsuranceInsurance

Part ofNIFTY 50 NIFTYLARGEMIDCAP250 NIFTY100 EQL WGT NIFTY FIN SERVICE NIFTY TOTAL MKT

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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	11,508	14,797	15,273	20,534	12,548	16,614	16,832	23,843	14,539	18,871	18,351	25,998	16,728
	23,045	23,556	26,662	27,766	26,623	28,807	16,852	23,814	29,024	20,336	29,157	19,782	33,253
Operating Profit	-11,538	-8,759	-11,389	-7,232	-14,074	-12,193	-20	29	-14,484	-1,465	-10,805	6,217	-16,525
OPM %	-100.26%	-59.19%	-74.57%	-35.22%	-112.16%	-73.39%	-0.12%	0.12%	-99.62%	-7.76%	-58.88%	23.91%	-98.79%
	11,977	8,479	11,756	7,682	14,475	12,163	439	471	15,088	1,936	11,251	-5,680	17,202
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	440	-279	367	450	401	-30	419	500	604	471	445	537	677
Tax %	5.26%	235.42%	-0.14%	8.46%	-19.51%	1540.99%	-0.62%	5.01%	9.18%	4.92%	6.07%	7.30%	9.74%
Net Profit	0	378	368	412	479	435	421	475	548	448	418	497	611
	1.94	1.76	1.71	1.91	2.23	2.02	1.96	2.21	2.55	2.08	1.94	2.31	2.83

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	79,949
	0	0	0	0	0	0	0	0	0	0	1,02,527
Operating Profit	0	0	0	0	0	0	0	0	0	0	-22,578
OPM %	—	—	—	—	—	—	—	—	—	—	-28.24%
	1	23	40	41	3	19	93	59	71	102	24,709
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	909	1,125	1,291	1,314	1,354	1,303	1,282	1,570	1,878	1,962	2,130
Tax %	2.42%	1.58%	1.01%	1.25%	-0.49%	-1.86%	-6.71%	-0.28%	3.57%	2.55%	7.29%
Net Profit	887	1,107	1,278	1,297	1,361	1,327	1,368	1,574	1,811	1,912	1,975
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	7.32	8.41	8.86	—
Dividend Payout %	—	—	—	0.00%	30.00%	27.07%	29.85%	0.00%	24.97%	23.70%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: 9%
5 Years:: 7%
3 Years:: 12%

STOCK PRICE CAGR

10 Years:: —
5 Years:: -6%
3 Years:: -7%
1 Year:: -32%

RETURN ON EQUITY

10 Years:: 17%
5 Years:: 11%
3 Years:: 12%
Last Year:: 12%

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	1,998	2,012	2,017	2,019	2,021	2,113	2,149	2,151	2,153	2,158
	1,796	2,692	3,628	4,974	6,409	13,413	10,821	12,065	13,555	15,291
	0	0	0	0	600	600	950	950	2,950	3,099
	87,480	1,01,128	1,19,252	1,20,241	1,64,091	2,07,661	2,25,780	2,78,679	3,21,048	3,58,797
Total Liabilities	91,274	1,05,832	1,24,897	1,27,234	1,73,121	2,23,787	2,39,701	2,93,845	3,39,706	3,79,345
	337	336	324	322	327	5,964	352	393	499	607
Capital Work in Progress	16	5	10	8	14	20	31	28	109	139
Cash & Bank	797	1,110	1,244	691	1,099	1,375	1,169	1,559	1,821	1,990
	90,124	1,04,380	1,23,319	1,26,212	1,71,680	2,16,427	2,38,150	2,91,866	3,37,277	3,76,608
Total Assets	91,274	1,05,832	1,24,897	1,27,234	1,73,121	2,23,787	2,39,701	2,93,845	3,39,706	3,79,345

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
	6,805	7,480	10,764	8,306	10,584	7,131	11,216	10,721	15,597	22,625
Cash from Investing	-5,175	-4,421	-10,182	-7,807	-8,946	-807	-10,087	-13,625	-13,638	-23,871
Cash from Financing	-236	-196	-337	38	678	-238	1,985	-403	1,607	-275
	819	2,122	-651	-381	1,435	4,897	-1,219	-3,307	3,566	-1,521

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

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	50.37	50.34	50.32	50.32	50.28	50.25	50.21	50.21	50.54
	26.62	25.62	25.13	24.94	24.74	24.81	24.26	22.51	19.26
	11.24	13.25	13.72	14.10	14.57	14.59	15.23	17.25	20.19
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	11.76	10.80	10.81	10.63	10.39	10.35	10.30	10.03	10.01

Documents

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

2026-09-11

Action(s) taken or orders passed

2026-09-11 - HDFC Life Insurance Company Limited has informed the Exchange about Action(s) taken or orders passed

2026-08-31

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-31 - HDFC Life Insurance Company Limited has informed the Exchange about Schedule of meet

2026-08-26

Allotment of Securities

2026-08-26 - HDFC Life Insurance Company Limited has informed the Exchange regarding allotment of 114000 equity shares under Employee Stock Option Schemes

2026-08-19

Updates

2026-08-19 - HDFC Life Insurance Company Limited has informed the Exchange regarding 'Approval from the Insurance Regulatory and Development Authority of India (IRDAI) for re-appointment of Executive Directors'.

2026-08-04

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-04 - HDFC Life Insurance Company Limited has informed the Exchange about Schedule of meet

2026-07-22

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-22 - HDFC Life Insurance Company Limited has informed the Exchange about Transcript

2026-07-16

Shareholders meeting

2026-07-16 - HDFC Life Insurance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 16, 2026

2026-07-15

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-15 - HDFC Life Insurance Company Limited has informed the Exchange about Link of Recording

2026-07-15

Cessation

2026-07-15 - HDFC Life Insurance Company Limited has informed the Exchange regarding Cessation of Mr Sumit Bose as Independent Director, of the company w.e.f. July 18, 2026 upon completion of his tenure of two consecutive terms of five years

News

Recent coverage and analyst commentary for HDFCLIFE

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HDFC 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

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

11,508

14,797

15,273

20,534

12,548

16,614

16,832

23,843

14,539

18,871

18,351

25,998

16,728

23,045

23,556

26,662

27,766

26,623

28,807

16,852

23,814

29,024

20,336

29,157

19,782

33,253

Operating Profit

-11,538

-8,759

-11,389

-7,232

-14,074

-12,193

-20

-14,484

-1,465

-10,805

6,217

-16,525

OPM %

-100.26%

-59.19%

-74.57%

-35.22%

-112.16%

-73.39%

-0.12%

0.12%

-99.62%

-7.76%

-58.88%

23.91%

-98.79%

11,977

8,479

11,756

7,682

14,475

12,163

439

471

15,088

1,936

11,251

-5,680

17,202

Interest

Depreciation

Profit before Tax

440

-279

367

450

401

-30

419

500

604

471

445

537

677

Tax %

5.26%

235.42%

-0.14%

8.46%

-19.51%

1540.99%

-0.62%

5.01%

9.18%

4.92%

6.07%

7.30%

9.74%

Net Profit

378

368

412

479

435

421

475

548

448

418

497

611

1.94

1.76

1.71

1.91

2.23

2.02

1.96

2.21

2.55

2.08

1.94

2.31

2.83

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

79,949

1,02,527

Operating Profit

-22,578

OPM %

—

-28.24%

102

24,709

Interest

Depreciation

Profit before Tax

909

1,125

1,291

1,314

1,354

1,303

1,282

1,570

1,878

1,962

2,130

Tax %

2.42%

1.58%

1.01%

1.25%

-0.49%

-1.86%

-6.71%

-0.28%

3.57%

2.55%

7.29%

Net Profit

887

1,107

1,278

1,297

1,361

1,327

1,368

1,574

1,811

1,912

1,975

EPS

0.00

7.32

8.41

8.86

—

Dividend Payout %

—

0.00%

30.00%

27.07%

29.85%

0.00%

24.97%

23.70%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

1,998

2,012

2,017

2,019

2,021

2,113

2,149

2,151

2,153

2,158

1,796

2,692

3,628

4,974

6,409

13,413

10,821

12,065

13,555

15,291

600

950

2,950

3,099

87,480

1,01,128

1,19,252

1,20,241

1,64,091

2,07,661

2,25,780

2,78,679

3,21,048

3,58,797

Total Liabilities

91,274

1,05,832

1,24,897

1,27,234

1,73,121

2,23,787

2,39,701

2,93,845

3,39,706

3,79,345

337

336

324

322

327

5,964

352

393

499

607

Capital Work in Progress

109

139

Cash & Bank

797

1,110

1,244

691

1,099

1,375

1,169

1,559

1,821

1,990

90,124

1,04,380

1,23,319

1,26,212

1,71,680

2,16,427

2,38,150

2,91,866

3,37,277

3,76,608

Total Assets

91,274

1,05,832

1,24,897

1,27,234

1,73,121

2,23,787

2,39,701

2,93,845

3,39,706

3,79,345

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

6,805

7,480

10,764

8,306

10,584

7,131

11,216

10,721

15,597

22,625

Cash from Investing

-5,175

-4,421

-10,182

-7,807

-8,946

-807

-10,087

-13,625

-13,638

-23,871

Cash from Financing

-236

-196

-337

678

-238

1,985

-403

1,607

-275

819

2,122

-651

-381

1,435

4,897

-1,219

-3,307

3,566

-1,521

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

50.37

50.34

50.32

50.28

50.25

50.21

50.54

26.62

25.62

25.13

24.94

24.74

24.81

24.26

22.51

19.26

11.24

13.25

13.72

14.10

14.57

14.59

15.23

17.25

20.19

Government

0.00

11.76

10.80

10.81

10.63

10.39

10.35

10.30

10.03

10.01

HDFC 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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HDFC 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