WEBSITE BSE:544583 NSE: CANHLIFE Inc. Year: 2007 Industry: Insurance My Bucket: Add Stock
Last updated: 15:59
Canara HSBC Life Insurance Company Ltd. is the product of joint venture partners Canara Bank, Punjab National Bank and HSBC Insurance Holdings that aims to bring a great domestic banking spread along with global insurance expertise. Canara HSBC Life has a complete bouquet of life insurance solutions including term plans, savings and investment-linked plans, ULIPs, retirement plans, and child plans. Canara HSBC Life follows a bancassurance based distribution strategy, which improves its ability to extend its reach across India through its partne...Read More
Canara HSBC Life Insurance Company Ltd. is the product of joint venture partners Canara Bank, Punjab National Bank and HSBC Insurance Holdings that aims to bring a great domestic banking spread along with global insurance expertise. Canara HSBC Life has a complete bouquet of life insurance solutions including term plans, savings and investment-linked plans, ULIPs, retirement plans, and child plans. Canara HSBC Life follows a bancassurance based distribution strategy, which improves its ability to extend its reach across India through its partner banks. The company focuses on customer focused product innovation and digital enablers, and views long-term financial protection seamlessly as an extension of its role in the customer journey and has established trust as a brand in India’s life insurance space. ...Read Less
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Market Cap ₹13359 Cr.
Stock P/E 114.2
P/B 8.5
Current Price ₹140.6
Book Value ₹ 16.5
Face Value 10
52W High ₹159
Dividend Yield 0%
52W Low ₹ 106
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2024 | Dec 2024 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|
| Net Sales | 1829 | 2005 | 2260 | 2867 |
| Other Income | 1531 | -438 | 118 | 1436 |
| Total Income | 3360 | 1567 | 2377 | 4303 |
| Total Expenditure | 3317 | 1539 | 2332 | 4272 |
| Operating Profit | 43 | 28 | 45 | 31 |
| Interest | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 |
| Profit Before Tax | 43 | 28 | 45 | 31 |
| Provision for Tax | 6 | -1 | 4 | 3 |
| Profit After Tax | 37 | 29 | 41 | 28 |
| Adjustments | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 37 | 29 | 41 | 28 |
| Adjusted Earnings Per Share | 0.4 | 0.3 | 0.4 | 0.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1642 | 2045 | 2280 | 2752 | 3450 | 3889 | 5026 | 5824 | 7030 | 6933 | 7850 | 8961 |
| Other Income | 1868 | -14 | 1519 | 1006 | 1071 | -811 | 4295 | 2836 | 1468 | 4929 | 2776 | 2647 |
| Total Income | 3510 | 2032 | 3799 | 3759 | 4522 | 3078 | 9321 | 8660 | 8498 | 11862 | 10626 | 11607 |
| Total Expenditure | 3422 | 1901 | 3721 | 3636 | 4248 | 2867 | 8847 | 8407 | 8339 | 11680 | 10545 | 11460 |
| Operating Profit | 88 | 131 | 77 | 123 | 274 | 211 | 474 | 253 | 158 | 182 | 81 | 147 |
| Interest | 3 | 3 | 4 | 4 | 5 | 6 | 6 | 7 | 8 | 9 | 8 | 0 |
| Depreciation | 7 | 8 | 7 | 6 | 7 | 8 | 13 | 17 | 19 | 23 | 22 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 103 | 126 | 111 | 168 | 165 | 105 | 102 | 10 | 100 | 124 | 128 | 147 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 0 | 9 | 11 | 11 | 12 |
| Profit After Tax | 103 | 126 | 111 | 168 | 165 | 105 | 95 | 10 | 91 | 113 | 117 | 135 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 103 | 126 | 111 | 168 | 165 | 105 | 95 | 10 | 91 | 113 | 117 | 135 |
| Adjusted Earnings Per Share | 1.1 | 1.3 | 1.2 | 1.8 | 1.7 | 1.1 | 1 | 0.1 | 1 | 1.2 | 1.2 | 1.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 13% | 10% | 15% | 17% |
| Operating Profit CAGR | -55% | -32% | -17% | -1% |
| PAT CAGR | 4% | 127% | 2% | 1% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | NA% | NA% | NA% |
| ROE Average | 8% | 8% | 6% | 13% |
| ROCE Average | 9% | 8% | 7% | 13% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 510 | 636 | 747 | 915 | 1080 | 1186 | 1280 | 1290 | 1353 | 1419 | 1517 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 9231 | 9053 | 10582 | 11901 | 14018 | 14368 | 20552 | 25276 | 29213 | 36423 | 40367 |
| Total Current Liabilities | 203 | 236 | 251 | 319 | 375 | 392 | 754 | 649 | 744 | 909 | 1030 |
| Total Liabilities | 9944 | 9925 | 11581 | 13135 | 15473 | 15946 | 22586 | 27215 | 31310 | 38751 | 42914 |
| Fixed Assets | 14 | 10 | 8 | 8 | 10 | 32 | 37 | 42 | 48 | 54 | 42 |
| Other Non-Current Assets | 9784 | 9786 | 11284 | 12689 | 14859 | 15379 | 21882 | 26306 | 30231 | 37432 | 41271 |
| Total Current Assets | 146 | 129 | 289 | 439 | 605 | 535 | 667 | 867 | 1031 | 1265 | 1601 |
| Total Assets | 9944 | 9925 | 11581 | 13135 | 15473 | 15946 | 22586 | 27215 | 31310 | 38751 | 42914 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 49 | 14 | -7 | 122 | 211 | 268 | 168 | 272 | 1191 | 1179 | 1397 |
| Cash Flow from Operating Activities | -414 | -40 | 92 | 463 | 1199 | 1338 | 2340 | 1998 | 2592 | 2310 | 1208 |
| Cash Flow from Investing Activities | 379 | 19 | 36 | -375 | -1142 | -1438 | -2236 | -1929 | -2576 | -2045 | -714 |
| Cash Flow from Financing Activities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -29 | -48 | -19 |
| Net Cash Inflow / Outflow | -35 | -21 | 128 | 89 | 58 | -100 | 103 | 69 | -12 | 218 | 474 |
| Closing Cash & Cash Equivalent | 14 | -7 | 122 | 211 | 268 | 168 | 272 | 340 | 1179 | 1397 | 1872 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 1.08 | 1.33 | 1.17 | 1.77 | 1.74 | 1.11 | 1 | 0.11 | 0.96 | 1.19 | 1.23 |
| CEPS(Rs) | 1.08 | 1.33 | 1.17 | 1.77 | 1.74 | 1.11 | 1 | 0.11 | 0.96 | 1.19 | 1.23 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3 | 0.3 | 0.2 | 0.4 |
| Book NAV/Share(Rs) | 5.37 | 6.7 | 7.87 | 9.63 | 11.37 | 12.48 | 13.48 | 13.58 | 14.24 | 14.94 | 15.97 |
| Core EBITDA Margin(%) | -108.34 | 7.05 | -63.22 | -32.1 | -23.11 | 26.28 | -76 | -44.35 | -18.63 | -68.48 | -34.33 |
| EBIT Margin(%) | 6.27 | 6.16 | 4.88 | 6.1 | 4.79 | 2.7 | 2.03 | 0.18 | 1.42 | 1.79 | 1.63 |
| Pre Tax Margin(%) | 6.27 | 6.16 | 4.88 | 6.1 | 4.79 | 2.7 | 2.03 | 0.18 | 1.42 | 1.79 | 1.63 |
| PAT Margin (%) | 6.27 | 6.16 | 4.88 | 6.1 | 4.79 | 2.7 | 1.88 | 0.18 | 1.3 | 1.63 | 1.49 |
| Cash Profit Margin (%) | 6.27 | 6.16 | 4.88 | 6.1 | 4.79 | 2.7 | 1.88 | 0.18 | 1.3 | 1.63 | 1.49 |
| ROA(%) | 1.14 | 1.3 | 1.06 | 1.39 | 1.18 | 0.69 | 0.51 | 0.04 | 0.32 | 0.33 | 0.29 |
| ROE(%) | 22.43 | 21.99 | 16.08 | 20.19 | 16.56 | 9.28 | 7.68 | 0.8 | 6.9 | 8.18 | 7.97 |
| ROCE(%) | 22.43 | 21.99 | 16.08 | 20.19 | 16.56 | 9.28 | 8.28 | 0.8 | 7.55 | 8.94 | 8.73 |
| Receivable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 0.57 | 0.47 | 0.36 | 0.27 | 0.2 | 0.2 | 0.14 | 0.1 | 0.08 | 0.08 | 0.04 |
| EV/Core EBITDA(x) | 10.6 | 7.32 | 10.69 | 6.02 | 2.49 | 3.7 | 1.43 | 2.41 | 3.56 | 2.9 | 4.18 |
| Net Sales Growth(%) | -9.24 | 24.54 | 11.48 | 20.72 | 25.36 | 12.71 | 29.25 | 15.87 | 20.7 | -1.38 | 13.24 |
| EBIT Growth(%) | 55.45 | 22.45 | -11.7 | 50.85 | -1.58 | -36.39 | -2.82 | -89.97 | 874.39 | 24.09 | 3.45 |
| PAT Growth(%) | 55.45 | 22.45 | -11.7 | 50.85 | -1.58 | -36.39 | -9.96 | -89.17 | 790.27 | 24.26 | 3.23 |
| EPS Growth(%) | 55.45 | 22.45 | -11.7 | 50.85 | -1.58 | -36.39 | -9.96 | -89.17 | 790.27 | 24.26 | 3.23 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio(x) | 0.7 | 0.54 | 1.14 | 1.35 | 1.58 | 1.32 | 0.86 | 1.3 | 1.35 | 1.35 | 1.51 |
| Quick Ratio(x) | 0.7 | 0.54 | 1.14 | 1.35 | 1.58 | 1.32 | 0.86 | 1.3 | 1.35 | 1.35 | 1.51 |
| Interest Cover(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| # | Oct 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|
| Promoter | 62 | 62 | 62 |
| FII | 6.97 | 4.57 | 5.68 |
| DII | 26.22 | 30.85 | 29.79 |
| Public | 4.8 | 2.58 | 2.54 |
| Others | 0 | 0 | 0 |
| Total | 100 | 100 | 100 |
| # | Oct 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|
| Promoter | 58.9 | 58.9 | 58.9 |
| FII | 6.62 | 4.34 | 5.39 |
| DII | 24.91 | 29.31 | 28.3 |
| Public | 4.56 | 2.45 | 2.41 |
| Others | 0 | 0 | 0 |
| Total | 95 | 95 | 95 |
* The pros and cons are machine generated.
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