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

₹ 568 -0.20%
16 Jul 3:59 p.m.
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 ₹ 1,23,375 Cr.
  • Current Price ₹ 568
  • High / Low ₹ 815 / 543
  • Stock P/E 62.5
  • Book Value ₹ 89.8
  • 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 25.4%

Cons

  • Stock is trading at 6.32 times its book value
  • The company has delivered a poor sales growth of 6.73% 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.768 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

Standalone Figures in Rs. Crores / View Consolidated

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
23,340 23,097 26,886 27,992 26,891 28,449 17,235 24,111 29,381 20,548 29,312 19,727 33,545
23,006 23,503 26,613 27,699 26,565 28,742 16,775 23,710 28,921 20,207 29,010 19,577 32,984
Operating Profit 334 -406 274 293 326 -293 460 401 460 341 302 150 561
OPM % 1% -2% 1% 1% 1% -1% 3% 2% 2% 2% 1% 1% 2%
104 125 91 156 73 260 -49 100 140 128 145 383 112
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 438 -281 364 449 399 -33 411 501 601 469 447 532 674
Tax % 5% -234% -0% 8% -20% -1,408% -1% 5% 9% 5% 6% 7% 9%
415 377 365 412 478 433 415 477 546 447 421 496 611
EPS in Rs 1.93 1.75 1.70 1.91 2.22 2.01 1.93 2.21 2.54 2.07 1.95 2.30 2.81
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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
27,213 18,138 30,642 32,246 38,360 29,351 71,447 65,402 70,081 101,316 96,687 98,968 103,132
26,339 17,473 29,665 31,170 37,517 28,211 70,166 64,731 69,982 100,630 95,600 97,123 101,778
Operating Profit 874 665 977 1,076 843 1,140 1,282 671 100 686 1,087 1,845 1,354
OPM % 3% 4% 3% 3% 2% 4% 2% 1% 0% 1% 1% 2% 1%
79 398 139 281 506 367 442 746 1,407 363 293 361 768
Interest -14 8 9 11 14 0 45 0 0 0 0 0 0
Depreciation 43 45 41 44 45 46 51 52 75 78 102 158 0
Profit before tax 924 1,010 1,066 1,302 1,290 1,461 1,628 1,365 1,432 971 1,278 2,049 2,122
Tax % 15% 19% 16% 15% 1% 11% 16% 12% 5% -62% -41% 7%
786 818 892 1,109 1,277 1,295 1,360 1,208 1,360 1,569 1,802 1,910 1,975
EPS in Rs 3.94 4.10 4.46 5.51 6.33 6.42 6.73 5.72 6.33 7.29 8.37 8.85 9.13
Dividend Payout % 18% 22% 25% 25% 26% 0% 30% 30% 30% 27% 25% 24%
Compounded Sales Growth
10 Years: 18%
5 Years: 7%
3 Years: 12%
TTM: 4%
Compounded Profit Growth
10 Years: 9%
5 Years: 7%
3 Years: 12%
TTM: 6%
Stock Price CAGR
10 Years: %
5 Years: -4%
3 Years: -5%
1 Year: -25%
Return on Equity
10 Years: 14%
5 Years: 11%
3 Years: 11%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 547 1,113 1,840 2,707 3,638 4,781 6,617 13,373 10,837 12,501 13,973 15,538
0 0 0 0 0 0 600 600 950 950 2,950 3,099
66,767 73,440 91,267 105,762 124,350 125,362 170,344 194,303 233,985 286,905 330,058 369,224
Total Liabilities 69,309 76,549 95,106 110,481 130,005 132,162 179,582 210,389 247,922 302,507 349,133 390,019
345 334 337 336 323 322 584 964 996 1,545 2,135 2,708
CWIP 6 12 16 5 10 8 13 19 30 27 109 138
Investments 67,025 74,230 91,738 106,603 124,972 127,226 173,582 203,530 238,136 291,064 334,638 373,089
1,932 1,972 3,016 3,537 4,700 4,606 5,402 5,876 8,760 9,871 12,251 14,084
Total Assets 69,309 76,549 95,106 110,481 130,005 132,162 179,582 210,389 247,922 302,507 349,133 390,019

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,461 5,690 6,239 6,741 9,871 7,370 9,703 5,540 6,882 10,725 15,598 22,502
-3,516 -4,045 -5,106 -4,423 -10,186 -7,782 -8,995 -1,402 -10,072 -13,632 -13,622 -23,753
-168 -212 -236 -196 -337 38 678 -238 1,985 -403 1,607 -275
Net Cash Flow 777 1,433 897 2,122 -652 -374 1,386 3,900 -1,206 -3,310 3,584 -1,525
Free Cash Flow 4,354 5,658 6,191 6,708 9,828 7,334 9,644 5,486 6,797 10,594 15,306 22,224
CFO/OP 511% 856% 639% 626% 1,171% 671% 777% 855% 7,363% 1,360% 1,459% 1,230%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 -17 -17 -13 -12 -12 -8 -6 -6
ROCE % 41% 36% 31% 31% 25% 23% 21% 11% 10% 5% 7% 10%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
13th Month Persistency
%

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61st Month Persistency
%
Individual APE (Annualized Premium Equivalent)
Rs crore
Number of Individual New Business Policies Sold
thousands
ULIP Share in Individual APE (Product Mix)
%
Number of Branches
count
Number of Agents / Financial Consultants
thousands
Individual WRP Market Share (Overall Industry)
%

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 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 9,26,1388,75,8778,44,7288,58,8448,92,3557,83,8447,91,4477,71,9497,38,6307,26,9597,07,1416,91,649

* 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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Documents

Announcements

Annual reports

Credit ratings

Concalls