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HDFC Life Insurance

₹642.1 5.3 | 0.8%

Market Cap ₹138215 Cr.

Stock P/E 87.8

P/B 8.9

Current Price ₹642.1

Book Value ₹ 72.5

Face Value 10

52W High ₹761

Dividend Yield 0.31%

52W Low ₹ 511.1

HDFC Life Insurance Research see more...

Overview Inc. Year: 2000Industry: Insurance

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.

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HDFC Life Insurance Share Price

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Peer Comparison

HDFC Life Insurance Quarterly Results

#(Fig in Cr.) Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Net Sales 9870 13138 14402 19469 11508 14797 15273 20534 12548 16614
Other Income -3106 10032 5569 2271 11977 8481 11756 7682 14475 12163
Total Income 6764 23170 19971 21740 23485 23278 27029 28216 27023 28776
Total Expenditure 6386 22815 19787 21215 23045 23557 26662 27766 26623 28807
Operating Profit 378 355 184 525 440 -279 367 450 401 -30
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 378 355 184 525 440 -279 367 450 401 -30
Provision for Tax 16 26 -132 163 23 -657 -1 38 -78 -465
Profit After Tax 361 329 316 362 417 378 368 412 479 435
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 361 329 316 362 417 378 368 412 479 435
Adjusted Earnings Per Share 1.7 1.5 1.5 1.7 1.9 1.8 1.7 1.9 2.2 2

HDFC Life Insurance Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Net Sales 11976 14762 16179 19275 23371 28931 32245 38194 46801 56879 62112 64969
Other Income 5315 12328 1888 11280 8863 9513 -2962 33126 20259 13949 38829 46076
Total Income 17291 27091 18066 30554 32234 38443 29283 71320 67059 70828 100941 111044
Total Expenditure 16710 26149 16932 29455 30964 36860 28155 69946 65832 69306 100751 109858
Operating Profit 581 941 1134 1100 1270 1583 1128 1374 1228 1521 191 1188
Interest 11 -14 8 9 11 13 17 18 26 20 11 0
Depreciation 41 43 45 41 44 45 47 51 56 76 78 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 643 805 833 909 1125 1291 1314 1354 1303 1282 1570 1188
Provision for Tax -83 19 17 22 18 13 16 -7 -24 -86 -4 -506
Profit After Tax 725 786 817 887 1107 1278 1297 1361 1327 1368 1574 1694
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 725 786 817 887 1107 1278 1297 1361 1327 1368 1574 1694
Adjusted Earnings Per Share 0 0 0 0 0 0 0 0 0 0 0 7.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 9% 18% 17% 18%
Operating Profit CAGR -87% -48% -34% -11%
PAT CAGR 15% 5% 4% 8%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -4% -2% 2% NA%
ROE Average 12% 11% 14% 23%
ROCE Average 11% 10% 13% 22%

HDFC Life Insurance Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 1975 2593 3195 3794 4705 5646 6999 8432 15529 12973 14216
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 600 600 950 950
Other Non-Current Liabilities 48921 64756 70887 87527 101171 119310 120311 164183 207770 225906 278792
Total Current Liabilities 1434 2035 2513 3775 4607 5065 4914 6440 6836 8240 8729
Total Liabilities 52331 69385 76594 95097 110483 130020 132224 179655 230734 248069 302687
Fixed Assets 329 396 385 337 336 324 322 327 5964 352 393
Other Non-Current Assets 50585 67156 74249 91787 106614 125628 127563 174259 218483 240459 294209
Total Current Assets 1416 1833 1960 2972 3533 4069 4338 5069 6287 7259 8085
Total Assets 52331 69385 76594 95097 110483 130020 132224 179655 230734 248069 302687

HDFC Life Insurance Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 1770 1574 2351 3864 4682 6804 6153 5789 7218 12024 10821
Cash Flow from Operating Activities 5422 4459 5687 6230 6739 9868 7388 9703 5943 6883 10721
Cash Flow from Investing Activities -5501 -3514 -3959 -5175 -4421 -10182 -7807 -8946 -807 -10087 -13617
Cash Flow from Financing Activities -117 -168 -212 -236 -196 -337 38 678 -238 1985 -403
Net Cash Inflow / Outflow -196 777 1516 819 2122 -651 -381 1435 4897 -1219 -3299
Closing Cash & Cash Equivalent 1574 2351 3864 4682 6804 6153 5789 7218 12122 10821 7525

HDFC Life Insurance Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 0 0 0 0 0 0 0 0 0 0 0
CEPS(Rs) 3.64 3.94 4.09 4.44 5.5 6.33 6.43 6.73 6.28 6.37 7.32
DPS(Rs) 0.5 0.7 0.9 1.1 1.36 1.63 0 2.02 1.7 1.9 2
Book NAV/Share(Rs) 0 0 15.76 18.98 23.38 27.98 34.64 41.72 73.49 60.34 66.09
Core EBITDA Margin(%) -39.52 -77.13 -4.66 -52.81 -32.49 -27.41 12.69 -83.13 -40.66 -21.85 -62.21
EBIT Margin(%) 5.37 5.45 5.15 4.72 4.81 4.46 4.07 3.55 2.78 2.25 2.53
Pre Tax Margin(%) 5.37 5.45 5.15 4.72 4.81 4.46 4.07 3.55 2.78 2.25 2.53
PAT Margin (%) 6.06 5.32 5.05 4.6 4.74 4.42 4.02 3.56 2.84 2.41 2.53
Cash Profit Margin (%) 6.06 5.32 5.05 4.6 4.74 4.42 4.02 3.56 2.84 2.41 2.53
ROA(%) 1.43 1.33 1.16 1.07 1.12 1.11 1.03 0.91 0.67 0.59 0.59
ROE(%) 37.67 35.16 28.72 25.56 26.06 24.7 20.53 17.65 11.08 9.6 11.58
ROCE(%) 33.37 36.01 29.3 26.2 26.47 24.95 20.79 16.9 10.36 8.54 10.79
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 19.39 13.53 12.75 16.68 7.32 8.28 9.58
Dividend Yield(%) 0 0 0 0 0.3 0.43 0 0.29 0.32 0.38 0.32
EV/Net Sales(x) 0.13 0.1 0.08 0.06 3.86 2.6 2.74 3.67 2.41 1.88 2.18
EV/Core EBITDA(x) 2.67 1.51 1.12 1.09 70.95 47.44 78.4 102.01 91.98 70.41 711.42
Net Sales Growth(%) 0 23.26 9.59 19.14 21.25 23.79 11.46 18.45 22.53 21.53 9.2
EBIT Growth(%) 0 25.22 3.58 9.06 23.77 14.76 1.77 3.07 -3.8 -1.58 22.42
PAT Growth(%) 0 8.3 3.98 8.59 24.84 15.42 1.53 4.89 -2.49 3.12 15.04
EPS Growth(%) 0 0 -100 0 0 0 0 0 0 0 0
Debt/Equity(x) 0 0 0 0 0 0 0 0.07 0.04 0.07 0.07
Current Ratio(x) 0.97 0.89 0.77 0.78 0.76 0.79 0.87 0.78 0.9 0.87 0.91
Quick Ratio(x) 0.97 0.89 0.77 0.78 0.76 0.79 0.87 0.78 0.9 0.87 0.91
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 0.01 0.01 0.01

HDFC Life Insurance Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 51.52 50.32 50.32 50.31 50.33 50.39 50.37 50.37 50.37 50.34
FII 27.66 28.81 30.14 29.84 30.88 30.52 31.27 30.03 26.63 25.62
DII 6.92 6.87 5.99 6.44 6.17 6.87 6.58 7.94 11.25 13.25
Public 13.9 14 13.55 13.4 12.62 12.22 11.78 11.66 11.76 10.8
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company is almost debt free.

Cons

  • Company has a low return on equity of 11% over the last 3 years.
  • Stock is trading at 8.9 times its book value.
  • Earnings include an other income of Rs. 38829 Cr.
  • The company has delivered a poor profit growth of 4% over past five years.

* 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.

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