HDFC Life Insurance Company
HDFC Life Insurance Company Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for HDFC Life Insurance Company Ltd, framed against the sector median so the premium or discount is obvious at a glance.
HDFC Life Insurance Company Ltd trades at a P/E of 62.67× and P/B of 6.76×, against the Financial Services sector median P/E of 18.17×.
Valuation
Profitability
Growth
Financial Health
HDFC Life Insurance Company Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for HDFC Life Insurance Company Ltd, switchable between annual and quarterly views, consolidated or standalone.
HDFC Life Insurance Company Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1,24,117.78 Cr and reported EPS of ₹8.89.
| Period | 2025 | 2026 |
|---|---|---|
| Total Income | 96,184 | 98,770 |
| Profit Before Tax (PBT) | 1,878 | 1,962 |
| +Tax Expense | -588 | 95 |
| Earnings Per Share (EPS) | 8.41 | 8.86 |
| Diluted Shares Outstanding (Nos.) | 215 | 216 |
| +Additional Disclosures | 95,131 | 98,421 |
HDFC Life Insurance Company segment analysis: revenue and profit mix.
Disclosed business segments at HDFC Life Insurance Company with their share of revenue and profit, switchable between consolidated and standalone reporting.
HDFC Life Insurance Company discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
HDFC Life Insurance Company Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy HDFC Life Insurance Company Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
HDFC Life Insurance Company Ltd's investment case rests on 7 positive markers and 8 flagged concerns drawn from the latest reported filings.
What you're getting.
HDFCLIFE boasts a strong return on equity (ROE) of 10.80%, showcasing efficient capital utilization and substantial profitability. This metric indicates the company's ability to generate profits from its shareholders' investments.
Despite a high price-to-earnings ratio (P/E) of 86.80, HDFCLIFE maintains a significant promoter holding of 50.25%, signaling confidence in the company's future and potentially mitigating valuation concerns.
The company exhibits a very low debt-to-equity ratio of 0.14, indicating minimal financial leverage and strong balance sheet health, which provides stability and reduces financial risk for investors.
HDFCLIFE reported a positive quarterly profit growth of 3.01%, with net profit reaching ₹448 crore, demonstrating resilience and consistent earnings generation in a dynamic market environment.
The expanding Indian life insurance market, driven by increasing financial literacy and rising disposable incomes, presents a significant growth avenue for HDFCLIFE to capture new customers and expand its product offerings.
What can break it.
HDFCLIFE's high price-to-earnings ratio (P/E) of 86.80 suggests a potentially overvalued stock compared to its earnings. This raises concerns about a potential price correction in the future.
The company experienced a notable decline in quarterly sales by -27.50%, which could signal challenges in revenue generation and market share, potentially impacting future growth prospects and investor sentiment.
While promoter holding is substantial at 50.25%, a slight decrease from previous periods (51.52% in 2022) warrants monitoring for potential implications on long-term share price stability and investor confidence.
HDFCLIFE offers a very low dividend yield of 0.28%, which might not appeal to income-focused investors seeking regular returns, potentially limiting its attractiveness compared to higher-yielding alternatives.
Intense competition from established players like LICI and SBILIFE, along with new entrants, could exert pressure on HDFCLIFE's market share and profitability, necessitating continuous innovation and competitive pricing strategies.
What would change my mind.
Trim if P/E re-rates above 81 (~4.5× the sector multiple of 18.2). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 17.96. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
HDFC Life Insurance Company Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — HDFC Life Insurance Company Ltd is highlighted for quick read-across.
Quick Compare
HDFC Life Insurance Company Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for HDFC Life Insurance Company Ltd — derived from the live tape, not yesterday's close.
HDFC Life Insurance Company Ltd last traded at ₹574.4 with an intraday range of ₹571.25–₹582.5 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹574.40| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 603.35 | +28.95 | +5.04% |
| R3 | 592.10 | +17.70 | +3.08% |
| R2 | 587.30 | +12.90 | +2.25% |
| R1 | 580.85 | +6.45 | +1.12% |
| PIVOT | 576.05 | 1.65 | 0.29% |
| CURRENT | 574.40 | — | — |
| S1 | 547.10 | -27.30 | -4.75% |
| S2 | 558.35 | -16.05 | -2.79% |
| S3 | 564.80 | -9.60 | -1.67% |
| S4 | 569.60 | -4.80 | -0.84% |
HDFCLIFE is trading Below CPR, indicating Bearishness
CPR is Average
Day's range: 574.7 ~ 582.5
Trading Inside opening range
HDFC Life Insurance Company Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for HDFC Life Insurance Company Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
HDFC Life Insurance Company Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for HDFC Life Insurance Company Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in HDFC Life Insurance Company Ltd stood at 39.6% of traded volume, against a 20-day average of 55.4%.
HDFC Life Insurance Company announcements: results, concalls, ratings, M&A.
Filings HDFC Life Insurance Company sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
HDFC Life Insurance Company files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 113 documents below.
Copy of Newspaper Publication
HDFC Life Insurance Company Limited has informed the Exchange about Copy of Newspaper Publication w.r.t 26th Annual General Meeting and Final Dividend
Analysts/Institutional Investor Meet/Con. Call Updates
HDFC Life Insurance Company Limited has informed the Exchange about Cancellation Of Analyst/ Institutional Investor Meet
Disclosure under SEBI Takeover Regulations
HDFC Bank Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India…
General Updates
HDFC Life Insurance Company Limited has informed the Exchange about the intimation of investor meet
Analysts/Institutional Investor Meet/Con. Call Updates
HDFC Life Insurance Company Limited has informed the Exchange about Transcript
Investor decks & rating reports.
HDFC Life Insurance Company dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue HDFC Life Insurance Company has declared, sequenced by announce and record date.
HDFC Life Insurance Company corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About HDFC Life Insurance Company Ltd: business, sector, key facts.
What HDFC Life Insurance Company Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
HDFC Life Insurance Company Ltd operates in the Financial Services, listed as NSE: HDFCLIFE, BSE: 540777.
HDFC Life Insurance Company Limited is a prominent player in the Indian insurance market, specializing in providing a comprehensive suite of individual and group insurance solutions. Their offerings cater to a wide range of customer needs and financial goals, encompassing various life insurance products designed for protection, savings, investment, and retirement planning.
The company's product portfolio is quite diverse, including term insurance plans focusing on pure protection against unforeseen events, retirement plans aimed at securing financial stability during later life stages, and children's plans designed to support a child's future education or other needs. They also offer unit-linked insurance plans (ULIPs), which combine insurance coverage with investment opportunities in market-linked instruments. Furthermore, HDFC Life provides savings and investment options, along with annuity plans that guarantee a regular stream of income after a certain period.
In addition to individual insurance products, HDFC Life caters to group insurance needs, offering customized solutions for employers seeking to provide benefits to their employees. This group insurance segment likely plays a significant role in their overall business, allowing them to reach a broader customer base and diversify their revenue streams.
While specific financial details aren't provided in the source, the breadth and depth of HDFC Life's product offerings indicate a significant presence in the competitive Indian insurance landscape. The company's long history, dating back to its incorporation in 2000 (and rebranding in 2019), suggests a strong track record and established market position. Its affiliation with HDFC Bank, a leading financial institution in India, further underscores its credibility and access to a vast customer network.
Overall, HDFC Life's business model revolves around offering a wide variety of insurance and investment products tailored to the diverse needs of Indian individuals and businesses, leveraging its strong brand reputation and extensive distribution network to achieve growth and market leadership within the insurance sector.
Questions investors ask about HDFC Life Insurance Company Ltd (HDFCLIFE).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of HDFC Life Insurance Company Ltd (HDFCLIFE)?
The current share price of HDFC Life Insurance Company Ltd (HDFCLIFE) is ₹574.4. Today, the stock has declined by ₹6.80 (1.17%), trading in a range of ₹571.25 to ₹582.5. The stock opened at ₹582 with a trading volume of 20,66,303 shares.
02Is HDFC Life Insurance Company Ltd stock a good investment for long-term?
HDFC Life Insurance Company Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,24,117.78 crores, P/E ratio of 62.67, ROE of 11.28%, and ROCE of 6.58%. The dividend yield stands at 0.38%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of HDFC Life Insurance Company Ltd stock?
The 52-week high price of HDFC Life Insurance Company Ltd (HDFCLIFE) is ₹820.75, while the 52-week low is ₹543. Currently trading at ₹574.4, the stock is 11.3% away from its 52-week low and 30.0% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy HDFC Life Insurance Company Ltd stock at the current price?
Whether to buy HDFC Life Insurance Company Ltd stock at ₹574.4 depends on multiple factors. The stock is currently trading with a P/E ratio of 62.67 and P/B ratio of 6.76. Today's performance shows a loss of 1.17%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of HDFC Life Insurance Company Ltd and when is the next dividend?
HDFC Life Insurance Company Ltd offers a dividend yield of 0.38%, which means for every ₹100 invested at the current price of ₹574.4, you can expect to receive approximately ₹0.38 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of HDFC Life Insurance Company Ltd?
HDFC Life Insurance Company Ltd's key financial metrics include: P/E Ratio: 62.67, P/B Ratio: 6.76, ROE: 11.28%, ROCE: 6.58%, Dividend Yield: 0.38%, EPS: ₹8.89, Book Value: ₹82.42, and Debt-to-Equity: 17.46. The company's market cap stands at ₹1,24,117.78 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is HDFC Life Insurance Company Ltd stock performing today in the market?
HDFC Life Insurance Company Ltd stock opened at ₹582 and is currently trading at ₹574.4, showing a decline of ₹6.80 (1.17%). The intraday high is ₹582.5 and low is ₹571.25. The trading volume stands at 20,66,303 shares, indicating strong market participation today.
08What is the P/E ratio of HDFC Life Insurance Company Ltd and what does it indicate?
HDFC Life Insurance Company Ltd has a Price-to-Earnings (P/E) ratio of 62.67, which means investors are willing to pay ₹62.67 for every ₹1 of earnings. With an EPS of ₹8.89, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about HDFC Life Insurance Company Ltd (HDFCLIFE) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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