Canara HSBC Life Insurance Company Ltd

₹ 135 -1.07%

15 May - 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 ₹ 12,866 Cr.
Current Price ₹ 135
High / Low ₹ 159 / 106
Stock P/E 102
Book Value ₹ 16.9
Dividend Yield 0.00 %
ROCE 8.35 %
ROE 8.11 %
Face Value ₹ 10.0

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Pros

Cons

Stock is trading at 8.01 times its book value
The company has delivered a poor sales growth of 4.55% over past five years.
Tax rate seems low
Company has a low return on equity of 8.08% over last 3 years.
Earnings include an other income of Rs.73.0 Cr.

* 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 Financial Services Nifty MidSmallcap 400 Nifty Smallcap 250 Nifty 500 Multicap 50:25:25 Nifty Total Market Nifty500 Equal Weight Nifty IPO Nifty500 LargeMidSmall Equal-Cap Weighted BSE Select IPO Nifty Smallcap 500

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	3,323	1,516	2,783	3,632	2,348	4,202	1,374
	3,317	1,539	2,749	3,625	2,332	4,272	1,258
Operating Profit	6	-23	34	6	16	-70	116
OPM %	0%	-1%	1%	0%	1%	-2%	8%
	37	51	1	20	30	101	-77
Interest	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0
Profit before tax	43	28	35	26	45	31	39
Tax %	15%	-4%	8%	10%	10%	10%	10%
	37	29	32	23	41	28	35
EPS in Rs	0.39	0.31	0.34	0.25	0.43	0.29	0.37
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Profit & Loss

Figures in Rs. Crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	3,074	9,253	8,496	8,435	11,841	10,710	11,556
	3,059	9,323	8,726	8,471	11,705	10,578	11,488
Operating Profit	15	-71	-230	-36	136	131	68
OPM %	0%	-1%	-3%	-0%	1%	1%	1%
	104	184	256	155	11	19	73
Interest	6	6	0	0	0	0	0
Depreciation	8	13	17	19	23	22	0
Profit before tax	105	95	10	100	124	128	141
Tax %	0%	0%	0%	9%	9%	9%	10%
	105	95	10	91	113	117	127
EPS in Rs	1.11	1.00	0.11	0.96	1.19	1.23	1.33
Dividend Payout %	0%	0%	278%	31%	34%	32%	0%

Compounded Sales Growth
10 Years:	%
5 Years:	5%
3 Years:	11%
TTM:	8%

Compounded Profit Growth
10 Years:	%
5 Years:	6%
3 Years:	12%
TTM:	8%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	%
1 Year:	%

Return on Equity
10 Years:	%
5 Years:	7%
3 Years:	8%
Last Year:	8%

Balance Sheet

Figures in Rs. Crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	950	950	950	950	950	950	950
Reserves	239	330	340	403	469	567	655
	0	0	0	0	0	0	250
	14,757	21,306	25,925	29,957	37,332	41,397	46,201
Total Liabilities	15,946	22,586	27,215	31,310	38,751	42,914	48,057
	32	37	70	73	77	42	37
CWIP	4	7	4	5	2	4	0
Investments	15,374	21,871	26,266	30,179	37,357	41,166	46,118
	536	671	875	1,053	1,314	1,702	1,901
Total Assets	15,946	22,586	27,215	31,310	38,751	42,914	48,057

Cash Flows

Figures in Rs. Crores

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	2,340	1,998	2,592	2,310	1,208	3,534
	-2,236	-1,929	-2,576	-2,045	-714	-3,666
	0	0	-28	-48	-19	212
Net Cash Flow	103	69	-12	218	474	80
Free Cash Flow	2,319	1,980	2,568	2,283	1,197	3,523
CFO/OP	-3,306%	-871%	-7,262%	1,708%	930%	5,212%

Ratios

Figures in Rs. Crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	0	0	0	0	0	1	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	1	0
Working Capital Days	-4	-15	-6	-5	-3	-2	-5
ROCE %		8%	1%	8%	9%	9%	8%

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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x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
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						xx,xxx

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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

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2025	Mar 2026
	62.00%	62.00%
	4.57%	5.67%
	30.85%	29.79%
	2.32%	2.28%
	0.26%	0.26%
No. of Shareholders	87,477	85,552

	Mar 2026
	62.00%
	5.67%
	29.79%
	2.28%
	0.26%
No. of Shareholders	85,552

* 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

All

Annual reports

Financial Year 2025
from web

DRHP

Credit ratings

Concalls

Apr 2026
Transcript PPT REC
Jan 2026
Transcript PPT REC
Oct 2025
Transcript PPT REC