Canara HSBC Life Insurance Company Ltd

Canara HSBC Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Canara HSBC Life Insurance Company Ltd

₹ 145 0.17%
06 Apr - close price
canarahsbclife.com BSE: 544583 NSE: CANHLIFE
About

Canara HSBC Life Insurance is an Indian life insurance company, headquartered in Gurugram. In 2008, Canara HSBC Life Insurance was a JV between Canara Bank (51%), HSBC Insurance (Asia Pacific) Holdings Limited (26%) and PNB (23%). In 2022, the company renamed itself as Canara HSBC Life Insurance after the exit of its third partner, PNB.[1]

Key Points

Business Profile[1][2]
Canara HSBC Life Insurance Company Limited is a bank-led private life insurer jointly promoted by Canara Bank (51%) and HSBC Insurance. The company offers a comprehensive range of individual and group insurance solutions, including savings, protection, retirement, ULIPs, annuity, and government-backed schemes.

Website BSE NSE
  • Market Cap ₹ 13,768 Cr.
  • Current Price ₹ 145
  • High / Low ₹ 159 / 106
  • Stock P/E 120
  • Book Value ₹ 16.5
  • Dividend Yield 0.00 %
  • ROCE 8.73 %
  • ROE 7.95 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 32.4%

Cons

  • Stock is trading at 8.77 times its book value
  • Promoter holding has decreased over last quarter: -15.0%
  • Tax rate seems low
  • Company has a low return on equity of 7.69% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Insurance Life Insurance

Part of Nifty 500 BSE IPO BSE Allcap BSE Financial Services Nifty MidSmallcap 400

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Quarterly Results

Figures in Rs. Crores

Sep 2024 Dec 2024 Jun 2025 Sep 2025 Dec 2025
3,323 1,516 3,632 2,348 4,202
3,317 1,539 3,625 2,332 4,272
Operating Profit 6 -23 6 16 -70
OPM % 0% -1% 0% 1% -2%
37 51 20 30 101
Interest 0 0 0 0 0
Depreciation 0 0 0 0 0
Profit before tax 43 28 26 45 31
Tax % 15% -4% 10% 10% 10%
37 29 23 41 28
EPS in Rs 0.39 0.31 0.25 0.43 0.29
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
3,074 9,253 8,496 8,435 11,841 10,710
3,059 9,323 8,726 8,471 11,705 10,578
Operating Profit 15 -71 -230 -36 136 131
OPM % 0% -1% -3% -0% 1% 1%
104 184 256 155 11 19
Interest 6 6 0 0 0 0
Depreciation 8 13 17 19 23 22
Profit before tax 105 95 10 100 124 128
Tax % 0% 0% 0% 9% 9% 9%
105 95 10 91 113 117
EPS in Rs 1.11 1.00 0.11 0.96 1.19 1.23
Dividend Payout % 0% 0% 278% 31% 34% 32%
Compounded Sales Growth
10 Years: %
5 Years: 28%
3 Years: 8%
TTM: -10%
Compounded Profit Growth
10 Years: %
5 Years: 2%
3 Years: 125%
TTM: 3%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 6%
3 Years: 8%
Last Year: 8%

Balance Sheet

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 950 950 950 950 950 950 950
Reserves 239 330 340 403 469 567 593
0 0 0 0 0 0 0
14,757 21,306 25,925 29,957 37,332 41,397 43,931
Total Liabilities 15,946 22,586 27,215 31,310 38,751 42,914 45,474
32 37 70 73 77 42 39
CWIP 4 7 4 5 2 4 0
Investments 15,374 21,871 26,266 30,179 37,357 41,166 44,090
536 671 875 1,053 1,314 1,702 1,345
Total Assets 15,946 22,586 27,215 31,310 38,751 42,914 45,474

Cash Flows

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
2,340 1,998 2,592 2,310 1,208
-2,236 -1,929 -2,576 -2,045 -714
0 0 -28 -48 -19
Net Cash Flow 103 69 -12 218 474
Free Cash Flow 2,319 1,980 2,568 2,283 1,197
CFO/OP -3,306% -871% -7,262% 1,708% 930%

Ratios

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 0 0 0 1
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 1
Working Capital Days -4 -15 -6 -5 -3 -2
ROCE % 8% 1% 8% 9% 9%

Insights

In beta
Mar 2015 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
INR Billion

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Market Share (Based on Individual WPI)
%
61st Month Persistency Ratio
%
13th Month Persistency Ratio
%
Overall Claim Settlement Ratio
%
Solvency Ratio
times
Total Expense Ratio
%
Total Lives Covered
Million
Bancassurance Reach (Partner Branches)
Number

Shareholding Pattern

Numbers in percentages

Dec 2025
62.00%
4.57%
30.85%
2.32%
0.26%
No. of Shareholders 87,477

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

No data available.

DRHP

Credit ratings

Concalls