WEBSITE BSE:540777 NSE: HDFCLIFE Inc. Year: 2000 Industry: Insurance
Last updated: 15:59
HDFC Life Insurance Company Limited provides individual and group coverage solutions in India. It provides insurance and funding merchandise, such as safety, pension, savings, investment, annuity, and health, as well as term, retirement, investment, children's, and unit connected insurance, NRI, and group insurance plans. The corporation was previously referred to as HDFC Standard Life Insurance Company Limited and changed its entity name to HDFC Life Insurance Company Limited in January 2019. The enterprise was established in 2000 and is prima...Read More
HDFC Life Insurance Company Limited provides individual and group coverage solutions in India. It provides insurance and funding merchandise, such as safety, pension, savings, investment, annuity, and health, as well as term, retirement, investment, children's, and unit connected insurance, NRI, and group insurance plans. The corporation was previously referred to as HDFC Standard Life Insurance Company Limited and changed its entity name to HDFC Life Insurance Company Limited in January 2019. The enterprise was established in 2000 and is primarily based in Mumbai, India. ...Read Less
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Market Cap ₹135013 Cr.
Stock P/E 74.6
P/B 7.7
Current Price ₹625.8
Book Value ₹ 81.6
Face Value 10
52W High ₹820.5
Dividend Yield 0.34%
52W Low ₹ 622.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 14797 | 15273 | 20534 | 12548 | 16614 | 16832 | 23843 | 14539 | 18871 | 18351 |
| Other Income | 8481 | 11757 | 7693 | 14475 | 12163 | 439 | 471 | 15088 | 1936 | 11251 |
| Total Income | 23278 | 27030 | 28227 | 27023 | 28776 | 17271 | 24314 | 29628 | 20808 | 29602 |
| Total Expenditure | 23557 | 26663 | 27777 | 26623 | 28807 | 16852 | 23814 | 29024 | 20336 | 29157 |
| Operating Profit | -279 | 367 | 450 | 401 | -30 | 419 | 500 | 604 | 471 | 445 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -279 | 367 | 450 | 401 | -30 | 419 | 500 | 604 | 471 | 445 |
| Provision for Tax | -657 | -1 | 38 | -78 | -465 | -3 | 25 | 55 | 23 | 27 |
| Profit After Tax | 378 | 368 | 412 | 479 | 435 | 421 | 475 | 548 | 448 | 418 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 378 | 368 | 412 | 479 | 435 | 421 | 475 | 548 | 448 | 418 |
| Adjusted Earnings Per Share | 1.8 | 1.7 | 1.9 | 2.2 | 2 | 2 | 2.2 | 2.5 | 2.1 | 1.9 |
| #(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 | 14762 | 16179 | 19275 | 23371 | 28931 | 32245 | 38194 | 46801 | 56879 | 62112 | 69837 | 75604 |
| Other Income | 12328 | 1888 | 11280 | 8863 | 9513 | -2962 | 33126 | 20259 | 13949 | 38844 | 26347 | 28746 |
| Total Income | 27091 | 18066 | 30554 | 32234 | 38443 | 29283 | 71320 | 67059 | 70828 | 100956 | 96184 | 104352 |
| Total Expenditure | 26149 | 16932 | 29455 | 30964 | 36860 | 28155 | 69946 | 65832 | 69306 | 100765 | 95719 | 102331 |
| Operating Profit | 941 | 1134 | 1100 | 1270 | 1583 | 1128 | 1374 | 1228 | 1521 | 191 | 465 | 2020 |
| Interest | -14 | 8 | 9 | 11 | 13 | 17 | 18 | 26 | 20 | 11 | 10 | 0 |
| Depreciation | 43 | 45 | 41 | 44 | 45 | 47 | 51 | 56 | 76 | 78 | 103 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 805 | 833 | 909 | 1125 | 1291 | 1314 | 1354 | 1303 | 1282 | 1570 | 1878 | 2020 |
| Provision for Tax | 19 | 17 | 22 | 18 | 13 | 16 | -7 | -24 | -86 | -4 | 67 | 130 |
| Profit After Tax | 786 | 817 | 887 | 1107 | 1278 | 1297 | 1361 | 1327 | 1368 | 1574 | 1811 | 1889 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 786 | 817 | 887 | 1107 | 1278 | 1297 | 1361 | 1327 | 1368 | 1574 | 1811 | 1889 |
| Adjusted Earnings Per Share | 0 | 4.1 | 4.4 | 5.5 | 6.3 | 6.4 | 6.7 | 6.3 | 6.4 | 7.3 | 8.4 | 8.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 12% | 14% | 17% | 17% |
| Operating Profit CAGR | 143% | -28% | -16% | -7% |
| PAT CAGR | 15% | 11% | 7% | 9% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 1% | 9% | -2% | NA% |
| ROE Average | 12% | 11% | 12% | 20% |
| ROCE Average | 11% | 10% | 12% | 20% |
| #(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 | 2593 | 3195 | 3794 | 4705 | 5646 | 6999 | 8432 | 15529 | 12973 | 14216 | 15709 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 600 | 600 | 950 | 950 | 2950 |
| Other Non-Current Liabilities | 64756 | 70887 | 87527 | 101171 | 119310 | 120311 | 164183 | 207770 | 225906 | 278792 | 321165 |
| Total Current Liabilities | 2035 | 2513 | 3775 | 4607 | 5065 | 4914 | 6440 | 6836 | 8240 | 8729 | 9588 |
| Total Liabilities | 69385 | 76594 | 95097 | 110483 | 130020 | 132224 | 179655 | 230734 | 248069 | 302687 | 349412 |
| Fixed Assets | 396 | 385 | 337 | 336 | 324 | 322 | 327 | 5964 | 352 | 393 | 499 |
| Other Non-Current Assets | 67156 | 74249 | 91787 | 106614 | 125628 | 127563 | 174259 | 218483 | 240459 | 294209 | 338886 |
| Total Current Assets | 1833 | 1960 | 2972 | 3533 | 4069 | 4338 | 5069 | 6287 | 7259 | 8085 | 10026 |
| Total Assets | 69385 | 76594 | 95097 | 110483 | 130020 | 132224 | 179655 | 230734 | 248069 | 302687 | 349412 |
| #(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 | 1574 | 2351 | 3864 | 4682 | 6804 | 6153 | 5789 | 7218 | 12024 | 10821 | 7517 |
| Cash Flow from Operating Activities | 4459 | 5687 | 6230 | 6739 | 9868 | 7388 | 9703 | 5943 | 6883 | 10721 | 15597 |
| Cash Flow from Investing Activities | -3514 | -3959 | -5175 | -4421 | -10182 | -7807 | -8946 | -807 | -10087 | -13625 | -13638 |
| Cash Flow from Financing Activities | -168 | -212 | -236 | -196 | -337 | 38 | 678 | -238 | 1985 | -403 | 1607 |
| Net Cash Inflow / Outflow | 777 | 1516 | 819 | 2122 | -651 | -381 | 1435 | 4897 | -1219 | -3307 | 3566 |
| Closing Cash & Cash Equivalent | 2351 | 3864 | 4682 | 6804 | 6153 | 5789 | 7218 | 12122 | 10821 | 7517 | 11089 |
| # | 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) | 0 | 4.09 | 4.44 | 5.5 | 6.33 | 6.43 | 6.73 | 6.28 | 6.37 | 7.32 | 8.41 |
| CEPS(Rs) | 3.94 | 4.09 | 4.44 | 5.5 | 6.33 | 6.43 | 6.73 | 6.28 | 6.37 | 7.32 | 8.41 |
| DPS(Rs) | 0.7 | 0.9 | 1.1 | 1.36 | 1.63 | 0 | 2.02 | 1.7 | 1.9 | 2 | 2.1 |
| Book NAV/Share(Rs) | 0 | 15.76 | 18.98 | 23.38 | 27.98 | 34.64 | 41.72 | 73.49 | 60.34 | 66.09 | 72.96 |
| Core EBITDA Margin(%) | -77.13 | -4.66 | -52.81 | -32.49 | -27.41 | 12.69 | -83.13 | -40.66 | -21.85 | -62.23 | -37.06 |
| EBIT Margin(%) | 5.45 | 5.15 | 4.72 | 4.81 | 4.46 | 4.07 | 3.55 | 2.78 | 2.25 | 2.53 | 2.69 |
| Pre Tax Margin(%) | 5.45 | 5.15 | 4.72 | 4.81 | 4.46 | 4.07 | 3.55 | 2.78 | 2.25 | 2.53 | 2.69 |
| PAT Margin (%) | 5.32 | 5.05 | 4.6 | 4.74 | 4.42 | 4.02 | 3.56 | 2.84 | 2.41 | 2.53 | 2.59 |
| Cash Profit Margin (%) | 5.32 | 5.05 | 4.6 | 4.74 | 4.42 | 4.02 | 3.56 | 2.84 | 2.41 | 2.53 | 2.59 |
| ROA(%) | 1.33 | 1.16 | 1.07 | 1.12 | 1.11 | 1.03 | 0.91 | 0.67 | 0.59 | 0.59 | 0.57 |
| ROE(%) | 35.16 | 28.72 | 25.56 | 26.06 | 24.7 | 20.53 | 17.65 | 11.08 | 9.6 | 11.58 | 12.1 |
| ROCE(%) | 36.01 | 29.3 | 26.2 | 26.47 | 24.95 | 20.79 | 16.9 | 10.36 | 8.54 | 10.79 | 11.1 |
| 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 | 82.4 | 59.75 | 68.71 | 103.32 | 85.7 | 78.44 | 86.5 | 81.51 |
| Price/Book(x) | 0 | 0 | 0 | 19.39 | 13.53 | 12.75 | 16.68 | 7.32 | 8.28 | 9.58 | 9.4 |
| Dividend Yield(%) | 0 | 0 | 0 | 0.3 | 0.43 | 0 | 0.29 | 0.32 | 0.38 | 0.32 | 0.31 |
| EV/Net Sales(x) | 0.1 | 0.08 | 0.06 | 3.86 | 2.6 | 2.74 | 3.67 | 2.41 | 1.88 | 2.18 | 2.13 |
| EV/Core EBITDA(x) | 1.51 | 1.12 | 1.09 | 70.95 | 47.44 | 78.4 | 102.01 | 91.98 | 70.41 | 711.42 | 319.91 |
| Net Sales Growth(%) | 23.26 | 9.59 | 19.14 | 21.25 | 23.79 | 11.46 | 18.45 | 0 | 21.53 | 9.2 | 12.44 |
| EBIT Growth(%) | 25.22 | 3.58 | 9.06 | 23.77 | 14.76 | 1.77 | 3.07 | -3.8 | -1.58 | 22.42 | 19.64 |
| PAT Growth(%) | 8.3 | 3.98 | 8.59 | 24.84 | 15.42 | 1.53 | 4.89 | -2.49 | 3.12 | 15.04 | 15.04 |
| EPS Growth(%) | 0 | 3.96 | 8.41 | 24.01 | 15.1 | 1.46 | 4.78 | -6.72 | 1.35 | 14.96 | 14.93 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0.07 | 0.04 | 0.07 | 0.07 | 0.19 |
| Current Ratio(x) | 0.89 | 0.77 | 0.78 | 0.76 | 0.79 | 0.87 | 0.78 | 0.9 | 0.87 | 0.91 | 1.03 |
| Quick Ratio(x) | 0.89 | 0.77 | 0.78 | 0.76 | 0.79 | 0.87 | 0.78 | 0.9 | 0.87 | 0.91 | 1.03 |
| 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 | 0.01 | 0.01 | 0.01 | 0.02 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 50.39 | 50.37 | 50.37 | 50.37 | 50.34 | 50.32 | 50.32 | 50.28 | 50.25 | 50.21 |
| FII | 30.52 | 31.27 | 30.03 | 26.63 | 25.62 | 25.13 | 24.94 | 24.74 | 24.81 | 24.25 |
| DII | 6.87 | 6.58 | 7.94 | 11.25 | 13.25 | 13.74 | 14.11 | 14.58 | 14.6 | 15.24 |
| Public | 12.22 | 11.78 | 11.66 | 11.76 | 10.8 | 10.81 | 10.63 | 10.39 | 10.35 | 10.29 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 108.33 | 108.33 | 108.33 | 108.33 | 108.33 | 108.33 | 108.33 | 108.33 | 108.33 | 108.33 |
| FII | 65.62 | 67.25 | 64.59 | 57.27 | 55.14 | 54.11 | 53.7 | 53.32 | 53.48 | 52.33 |
| DII | 14.78 | 14.16 | 17.08 | 24.19 | 28.51 | 29.58 | 30.38 | 31.42 | 31.48 | 32.89 |
| Public | 26.27 | 25.33 | 25.09 | 25.3 | 23.23 | 23.26 | 22.89 | 22.39 | 22.31 | 22.21 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 215.01 | 215.07 | 215.09 | 215.1 | 215.22 | 215.28 | 215.3 | 215.47 | 215.61 | 215.76 |
* The pros and cons are machine generated.
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