HDFC Life Insurance Company Ltd

₹ 564 -0.70%

17 Jul - close price

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 ₹ 1,22,452 Cr.
Current Price ₹ 564
High / Low ₹ 815 / 543
Stock P/E 62.0
Book Value ₹ 90.0
Dividend Yield 0.37 %
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 6.26 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 11.1% over last 3 years.
Earnings include an other income of Rs.931 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 Nifty 500 Nifty 100 BSE Dollex 100 Nifty Services Sector Nifty 200 Nifty Financial Services Nifty Low Volatility 50 Nifty 100 Equal Weight BSE Financial Services BSE SENSEX Next 50 BSE 100 ESG Index (INR) BSE 250 LargeMidCap Index BSE Diversified Financials Revenue Growth BSE Dividend Stability Index BSE Low Volatility Index Nifty 50 Equal Weight BSE 100 LargeCap TMC Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Financial Services 25/50 Nifty100 ESG Nifty Total Market BSE SENSEX Next 30 Nifty100 Enhanced ESG BSE Capital Markets & Insurance BSE 200 Equal Weight BSE Sensex Sixty 65:35 BSE Sensex Sixty Nifty Financial Services Ex-Bank Nifty500 Equal Weight Nifty Rural Nifty500 LargeMidSmall Equal-Cap Weighted BSE India 150 Nifty500 Low Volatility 50 BSE 1000 Nifty India FPI 150

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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
	23,371	23,142	26,927	28,041	26,934	28,497	17,300	24,191	29,463	20,651	29,428	19,890	33,759
	23,045	23,557	26,663	27,766	26,623	28,807	16,852	23,814	29,024	20,336	29,157	19,782	33,253
Operating Profit	326	-415	264	275	311	-310	448	377	439	315	271	108	506
OPM %	1%	-2%	1%	1%	1%	-1%	3%	2%	1%	2%	1%	1%	2%
	114	136	103	174	90	279	-29	124	164	157	174	428	171
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%	-235%	-0%	8%	-20%	-1,541%	-1%	5%	9%	5%	6%	7%	10%
	417	378	368	412	479	435	421	475	548	448	418	497	611
EPS in Rs	1.94	1.76	1.71	1.91	2.23	2.02	1.96	2.21	2.54	2.08	1.94	2.31	2.81
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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	TTM
	27,215	18,141	30,647	32,260	38,855	29,380	71,528	67,126	70,207	101,482	96,922	99,432	103,727
	26,341	17,187	29,674	31,186	37,640	28,239	70,294	66,348	70,127	100,836	95,894	97,679	102,527
Operating Profit	874	953	972	1,074	1,215	1,141	1,235	778	80	646	1,028	1,753	1,200
OPM %	3%	5%	3%	3%	3%	4%	2%	1%	0%	1%	1%	2%	1%
	79	108	139	282	136	369	445	766	1,437	410	366	465	931
Interest	-14	8	9	11	14	0	0	0	0	0	0	0	0
Depreciation	43	45	41	44	45	47	51	56	76	79	104	161	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	2,130
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	1,975
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	9.14
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:	4%

Compounded Profit Growth
10 Years:	9%
5 Years:	7%
3 Years:	12%
TTM:	5%

Stock Price CAGR
10 Years:	%
5 Years:	-4%
3 Years:	-5%
1 Year:	-24%

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	2,716
CWIP	6	12	16	5	10	8	14	20	31	28	109	139
Investments	67,024	74,144	91,723	106,590	124,958	127,256	173,564	216,551	238,197	291,128	334,756	373,340
	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	-23,849
	-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	-1,499
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%	1,302%

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

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13th Month Persistency
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61st Month Persistency
% ・Standalone data

Individual APE (Annualized Premium Equivalent)
Rs crore ・Standalone data

Number of Individual New Business Policies Sold
thousands ・Standalone data

ULIP Share in Individual APE (Product Mix)
% ・Standalone data

Number of Branches
count ・Standalone data

Number of Agents / Financial Consultants
thousands ・Standalone data

Individual WRP Market Share (Overall Industry)
% ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	50.33%	50.39%	50.37%	50.37%	50.37%	50.34%	50.32%	50.32%	50.28%	50.25%	50.21%	50.21%
	30.89%	30.53%	31.28%	30.03%	26.63%	25.63%	25.14%	24.96%	24.75%	24.82%	24.27%	22.52%
	6.16%	6.87%	6.56%	7.93%	11.24%	13.25%	13.72%	14.10%	14.57%	14.59%	15.23%	17.25%
	12.58%	12.18%	11.76%	11.64%	11.74%	10.75%	10.76%	10.60%	10.37%	10.32%	10.25%	10.00%
	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	9,26,138	8,75,877	8,44,728	8,58,844	8,92,355	7,83,844	7,91,447	7,71,949	7,38,630	7,26,959	7,07,141	6,91,649

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	80.93%	76.14%	63.69%	58.86%	51.53%	50.31%	50.37%	50.32%	50.21%
	8.92%	10.52%	21.07%	25.67%	26.31%	29.85%	30.03%	24.96%	22.52%
	2.41%	3.40%	6.08%	6.25%	7.81%	6.42%	7.93%	14.10%	17.25%
	7.69%	9.92%	9.13%	9.20%	14.32%	13.36%	11.64%	10.60%	10.00%
	0.04%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%
No. of Shareholders	3,40,297	3,99,373	5,30,777	7,42,196	10,34,124	10,05,702	8,58,844	7,71,949	6,91,649

* 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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