HDFC Life Insurance Company Ltd

HDFC Life Insur. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

HDFC Life Insurance Company Ltd

₹ 616 -2.38%
17 Apr - close price
hdfclife.com BSE: 540777 NSE: HDFCLIFE
About

HDFC Life Insurance Company is engaged in carrying on the business of life insurance. The Company offers a range of individual and group insurance solutions. The portfolio comprises of various insurance and investment products such as Protection, Pension, Savings,(Source : 202003 Annual Report Page No: 175)

Key Points

Parentage
HDFC Bank, the promoter group, holds 50.25% stake as of Q2 FY26. As India’s largest private sector bank by balance sheet size, HBL and its subsidiaries offer a wide array of financial services, including non-banking financial services, insurance, asset management, and broking. [1] [2] [3]

Website BSE NSE
  • Market Cap ₹ 1,33,019 Cr.
  • Current Price ₹ 616
  • High / Low ₹ 821 / 555
  • Stock P/E 69.6
  • Book Value ₹ 82.3
  • Dividend Yield 0.34 %
  • ROCE 10.3 %
  • ROE 11.3 %
  • Face Value ₹ 10.0
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Pros

  • Company has been maintaining a healthy dividend payout of 25.3%

Cons

  • Stock is trading at 7.49 times its book value
  • The company has delivered a poor sales growth of 6.81% over past five years.
  • Tax rate seems low
  • Company has a low return on equity of 10.8% over last 3 years.
  • Earnings include an other income of Rs.924 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 50 BSE 500 BSE 100 BSE 200 BSE Dollex 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
20,857 23,371 23,142 26,927 28,041 26,934 28,497 17,300 24,191 29,463 20,651 29,428 19,890
21,215 23,045 23,557 26,663 27,766 26,623 28,807 16,852 23,814 29,024 20,336 29,157 19,782
Operating Profit -358 326 -415 264 275 311 -310 448 377 439 315 271 108
OPM % -2% 1% -2% 1% 1% 1% -1% 3% 2% 1% 2% 1% 1%
882 114 136 103 174 90 279 -29 124 164 157 174 428
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 525 440 -279 367 450 401 -30 419 500 604 471 445 537
Tax % 31% 5% -235% -0% 8% -20% -1,541% -1% 5% 9% 5% 6% 7%
362 417 378 368 412 479 435 421 475 548 448 418 497
EPS in Rs 1.68 1.94 1.76 1.71 1.91 2.23 2.02 1.96 2.21 2.54 2.08 1.94 2.31
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
27,215 18,141 30,647 32,260 38,855 29,380 71,528 67,126 70,207 101,482 92,922 99,432
26,341 17,187 29,674 31,186 37,640 28,239 70,294 66,348 70,127 100,836 91,894 98,298
Operating Profit 874 953 972 1,074 1,215 1,141 1,235 778 80 646 1,028 1,133
OPM % 3% 5% 3% 3% 3% 4% 2% 1% 0% 1% 1% 1%
79 108 139 282 136 369 445 766 1,437 410 366 924
Interest -14 8 9 11 14 0 0 0 0 0 0 0
Depreciation 43 45 41 44 45 47 51 56 76 79 104 0
Profit before tax 924 1,008 1,061 1,300 1,291 1,463 1,629 1,487 1,441 977 1,290 2,057
Tax % 15% 19% 16% 15% 1% 11% 16% 11% 5% -61% -40% 7%
786 817 887 1,107 1,278 1,297 1,361 1,327 1,368 1,574 1,811 1,912
EPS in Rs 3.94 4.09 4.44 5.50 6.33 6.43 6.73 6.28 6.37 7.32 8.41 8.86
Dividend Payout % 18% 22% 25% 25% 26% 0% 30% 27% 30% 27% 25% 24%
Compounded Sales Growth
10 Years: 19%
5 Years: 7%
3 Years: 12%
TTM: 7%
Compounded Profit Growth
10 Years: 9%
5 Years: 7%
3 Years: 12%
TTM: 15%
Stock Price CAGR
10 Years: %
5 Years: -2%
3 Years: 5%
1 Year: -14%
Return on Equity
10 Years: 14%
5 Years: 11%
3 Years: 11%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 1,995 1,995 1,998 2,012 2,017 2,019 2,021 2,113 2,149 2,151 2,153 2,158
Reserves 546 1,108 1,828 2,693 3,625 4,788 6,619 13,501 10,844 12,515 14,002 15,592
0 0 0 0 0 0 600 600 950 950 2,950 3,099
66,767 73,441 91,270 105,778 124,378 125,417 170,415 214,521 234,126 287,071 330,307 369,654
Total Liabilities 69,309 76,544 95,097 110,483 130,020 132,224 179,655 230,734 248,069 302,687 349,412 390,502
346 335 337 336 370 322 585 6,605 997 1,549 2,143 746
CWIP 6 12 16 5 10 8 14 20 31 28 109 0
Investments 67,024 74,144 91,723 106,590 124,958 127,256 173,564 216,551 238,197 291,128 334,756 375,448
1,932 2,053 3,020 3,551 4,682 4,637 5,493 7,559 8,844 9,982 12,404 14,308
Total Assets 69,309 76,544 95,097 110,483 130,020 132,224 179,655 230,734 248,069 302,687 349,412 390,502

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,459 5,687 6,230 6,739 9,868 7,388 9,703 5,943 6,883 10,721 15,597 22,625
-3,514 -3,962 -5,177 -4,421 -10,182 -7,789 -8,952 -801 -10,071 -13,622 -13,633 -23,871
-168 -212 -236 -196 -337 38 678 -238 1,985 -403 1,607 -275
Net Cash Flow 777 1,513 817 2,122 -651 -364 1,429 4,904 -1,203 -3,304 3,572 -1,521
Free Cash Flow 4,352 5,654 6,183 6,706 9,825 7,351 9,643 5,887 6,797 10,587 15,300 22,341
CFO/OP 510% 597% 641% 627% 813% 672% 806% 789% 9,190% 1,444% 1,543% 2,014%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0 0 0 0 2 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 2 0 0 0 0 0 0 0
Working Capital Days -11 -27 -20 -25 -16 -17 -13 -11 -12 -8 -6 -6
ROCE % 41% 36% 31% 31% 23% 24% 20% 12% 10% 5% 7% 10%

Insights

In beta
Mar 2017 Mar 2021 Mar 2023 Mar 2024 Mar 2025
Individual Annualized Premium Equivalent (APE)
Rs Crore ・Standalone data

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Value of New Business (VNB)
Rs Crore ・Standalone data
13th Month Persistency Ratio (Individual)
% ・Standalone data
Individual WRP Market Share (Overall Sector)
% ・Standalone data
61st Month Persistency Ratio
% ・Standalone data
Number of Agents
Count ・Standalone data
Number of Individual Policies Sold
Thousands ・Standalone data
Solvency Ratio
% ・Standalone data

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Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
50.31% 50.33% 50.39% 50.37% 50.37% 50.37% 50.34% 50.32% 50.32% 50.28% 50.25% 50.21%
29.85% 30.89% 30.53% 31.28% 30.03% 26.63% 25.63% 25.14% 24.96% 24.75% 24.82% 24.27%
6.42% 6.16% 6.87% 6.56% 7.93% 11.24% 13.25% 13.72% 14.10% 14.57% 14.59% 15.23%
13.36% 12.58% 12.18% 11.76% 11.64% 11.74% 10.75% 10.76% 10.60% 10.37% 10.32% 10.25%
0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03%
No. of Shareholders 10,05,7029,26,1388,75,8778,44,7288,58,8448,92,3557,83,8447,91,4477,71,9497,38,6307,26,9597,07,141

* 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

Credit ratings

Concalls