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Financial Services | Large Cap
Health Score : 7.63HDFC Life Insurance Company Ltd. demonstrates exceptional financial health, underscored by a very strong overall performance. The company's key strengths lie in its outstanding solvency, growth, and profitability. It maintains a very secure financial foundation with minimal reliance on debt, which is a significant positive for long-term stability and policyholder confidence. Furthermore, the company is experiencing a period of remarkable growth across revenues and profits, indicating strong market demand and successful business strategies. Profitability metrics are also excellent, showing efficient conversion of revenue into returns for shareholders. A relative area of weakness is its liquidity, which appears low by standard metrics; however, this is typical for the insurance industry, which invests for the long term. The company is also making significant investments in its future, which is reflected in its financial ratios. Overall, the outlook is very positive, driven by powerful growth and a robust financial structure.
Health Score : 7.63HDFC Life Insurance Company Ltd. demonstrates exceptional financial health, underscored by a very strong overall performance. The company's key strengths lie in its outstanding solvency, growth, and profitability. It maintains a very secure financial foundation with minimal reliance on debt, which is a significant positive for long-term stability and policyholder confidence. Furthermore, the company is experiencing a period of remarkable growth across revenues and profits, indicating strong market demand and successful business strategies. Profitability metrics are also excellent, showing efficient conversion of revenue into returns for shareholders. A relative area of weakness is its liquidity, which appears low by standard metrics; however, this is typical for the insurance industry, which invests for the long term. The company is also making significant investments in its future, which is reflected in its financial ratios. Overall, the outlook is very positive, driven by powerful growth and a robust financial structure.
Overall Valuation Score
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P/E RATIO (TTM)
62.49
Industry Median
35.02
Large Cap Median
62.42
P/E RATIO
62.42
P/B RATIO
6.72
Industry Median
5.78
Large Cap Median
6.72
P/S RATIO
1.20
Industry Median
1.19
Large Cap Median
1.20
Others
PEG RATIO
8.87
EV/EBITDA RATIO
58.61
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹553 as on Aug 26, 2026.
Growth Score : 10.00The company is demonstrating an exceptional and broad-based growth trajectory. It is expanding at an impressive rate across key areas including revenue, operating profit, and earnings per share. This powerful momentum indicates strong market acceptance of its products and highly effective business strategies. This rapid expansion points to a very positive future outlook, suggesting an increasing market share and a strengthening competitive position.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -6.15 | 4.59 | 44.55 | -8.43 | 7.01 |
| Operating Profit Growth Rate | -37 | -89.72 | 707.5 | 59.13 | 10.21 |
| Earnings Per Share (EPS) Growth | -6.69 | 1.43 | 14.91 | 14.89 | 5.35 |
| Asset Growth Rate | 28.43 | 7.51 | 22.02 | 15.44 | 11.76 |
| Net Income Growth Rate | -2.5 | 3.09 | 15.06 | 15.06 | 5.58 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | HDFCLIFE | 7.63 | 62.42 | Overvalued | 1133.00 | 1.57 | 1912.00 |
| 2 | SBILIFE | 7.63 | 71.79 | Highly Overvalued | 749.00 | 14.20 | 2470.00 |
| 3 | ICICIPRULI | 6.42 | 46.44 | Neutral | 181.00 | 10.21 | 1608.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Concall Report⬤23rd Apr 26
Q4 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤16th Apr 26
Standalone Audited Results – Q4 & FY Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤15th Oct 25
H1 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
HDFC Life Insurance Company Ltd. is one of India's leading private life insurers, offering a comprehensive range of individual and group insurance solutions including protection, pension, savings, investment, annuity, and health plans. It holds a significant market share, catering to diverse customer needs through a multi-channel distribution network.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. HDFC Life Insurance Company Ltd's P/E ratio (TTM) is 62.49, compared to the industry median of 35.02 and large cap median of 62.42.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. HDFC Life Insurance Company Ltd's P/B ratio is 6.72, compared to the industry median of 5.78 and large cap median of 6.72.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. HDFC Life Insurance Company Ltd's P/S ratio is 1.20, compared to the industry median of 1.19 and large cap median of 1.20.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. HDFC Life Insurance Company Ltd's PEG ratio is 8.87.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. HDFC Life Insurance Company Ltd's EV/EBITDA ratio is 58.61.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. HDFC Life Insurance Company Ltd's ROE is 10.77%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. HDFC Life Insurance Company Ltd's ROA is 0.29%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. HDFC Life Insurance Company Ltd's ROCE is 10%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. HDFC Life Insurance Company Ltd's operating margin is 1.14%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. HDFC Life Insurance Company Ltd's net margin is 1.92%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. HDFC Life Insurance Company Ltd's current ratio is 0.04.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. HDFC Life Insurance Company Ltd's debt-to-equity ratio is 0.18.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. HDFC Life Insurance Company Ltd's interest coverage ratio is N/A.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. HDFC Life Insurance Company Ltd's DPS is ₹2.13.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. HDFC Life Insurance Company Ltd's EPS is 5.35.
(Source line: "Ratios as of 26 Aug 2026, based on last traded price of ₹553. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2000
Headquarters: Mumbai, Maharashtra
Core Offerings: Protection plans, Savings & Investment plans, Retirement & Pension plans, Health plans, Group insurance solutions
Stock Listing: NSE (HDFCLIFE), BSE (540777)
Promoter: HDFC Bank Limited
HDFC Life Insurance Company Limited was established in 2000 as a joint venture between HDFC Ltd. and Standard Life Aberdeen plc, commencing operations in 2001. It expanded its product portfolio and distribution, going public with an IPO in 2017. In 2022, the company acquired Exide Life Insurance, enhancing its market position. Following the merger of HDFC Ltd. with HDFC Bank in 2023, HDFC Bank became its primary promoter.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Life Insurance (Individual Business) | Approx. 70-75% (based on Premium Mix) | N/A (embedded value reporting for insurers) |
| Life Insurance (Group Business) | Approx. 25-30% (based on Premium Mix) | N/A (embedded value reporting for insurers) |
Individual Business: Offers a wide array of life insurance products to individual customers including protection, savings, investment, annuity, and health solutions, distributed through agency, bancassurance, and direct channels.
Group Business: Provides customized insurance solutions to corporate clients, including employee benefit schemes, credit life, and other group protection covers, catering to diverse organizational needs.
Acquisition of Exide Life Insurance: Significantly expanded its geographical footprint and enhanced its distribution capabilities, especially in South India, consolidating its market leadership.
Ms. Vibha Padalkar: MD & CEO. A Chartered Accountant with over 30 years of experience, she has been with HDFC Life since 2008, previously serving as CFO. Mr. Keki Mistry: Chairman (Non-Executive). A veteran in the Indian financial services sector, previously Vice Chairman & CEO of HDFC Ltd.
HDFC Pension Management Company Limited
HDFC International Life and Re Company Limited
2022 Acquisition: Acquired and merged with Exide Life Insurance Company Ltd., a significant inorganic growth strategy. 2017 IPO: Successfully completed its Initial Public Offering (IPO) in November 2017, listing on NSE and BSE.
The HDFC Life Insurance Company Ltd share price today is ₹553 on NSE (HDFCLIFE), as of 27 Aug 2026.
As of 26 Aug 2026, HDFC Life Insurance Company Ltd share price is ₹553, with previous close ₹553. Today's range is ₹553 to ₹553. The 52-week range is ₹553 to ₹553.
As of today, HDFC Life Insurance Company Ltd's market cap is ₹1,19,448 crore (Large Cap).
HDFC Life Insurance Company Ltd's current P/E ratio is 62.49, compared to the BANKING AND FINANCE sector average of 26.80.
HDFC Life Insurance Company Ltd's current P/B ratio is 6.72.
HDFC Life Insurance Company Ltd's current dividend yield is 0.39%. Last dividend of ₹2.20 per share was declared on 29-May-2024.
HDFC Life Insurance Company Ltd's EPS (TTM) is ₹5.35.
HDFC Life Insurance Company Ltd. is one of India's leading private life insurers, offering a comprehensive range of individual and group insurance solutions including protection, pension, savings, investment, annuity, and health plans. It holds a significant market share, catering to diverse customer needs through a multi-channel distribution network.
HDFC Life Insurance Company Ltd is promoted by HDFC Bank Limited, holding 50.21% as of 26 Aug 2026.
HDFC Life Insurance Company Ltd is listed on NSE (HDFCLIFE) and BSE (540777). Its next quarterly results are expected on July 2024.
Book Value Per Share