Canara HSBC Life Insurance Company Limited
Canara HSBC Life Insurance Company Limited provides life and other insurance products for individuals, companies, businesses, and organizations in India. It offers term, life, child, group, health, whole life, disability, and accident insurances; and ULIP, pension, savings, retirement, financial, and investment plans. The company sells its policies through bancassurance, brokers and other corporate agents, and direct sales, as well as through digital channels, such as website, and mobile app. Canara HSBC Life Insurance Company Limited was formerly known as Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited. The company was incorporated in 2007 and is headquartered in Gurugram, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, Dec has averaged the highest return (+20.3%); Mar the lowest (-2.9%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.5%Neutral MonthJan 2026: -0.51% | -1.8%Neutral MonthFeb 2026: -1.83% | -2.9%Negative MonthMar 2026: -2.90% | +0.6%Neutral MonthApr 2026: +0.61% | -1.5%Neutral MonthMay 2026: -1.52% | +0.6%Neutral MonthJun 2026: +0.61% | +1.1%*Neutral MonthJul 2026: +1.11% | β | β | β | β | β |
| 2025 | β | β | β | β | β | β | β | β | β | β | +5.9%Positive MonthNov 2025: +5.94% | +20.3%Positive MonthDec 2025: +20.27% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 2 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ10.71 K Cr | β | βΉ117.00 Cr | β | β | 7.7% | -9.6% | 3.5% |
| Mar 2024 | βΉ11.84 K Cr | β | βΉ113.00 Cr | β | β | 8.0% | 40.4% | 24.2% |
| Mar 2023 | βΉ8.44 K Cr | β | βΉ91.00 Cr | β | β | 6.7% | -0.7% | 810.0% |
| Mar 2022 | βΉ8.50 K Cr | β | βΉ10.00 Cr | β | β | 0.8% | -8.2% | -89.5% |
| Mar 2021 | βΉ9.25 K Cr | β | βΉ95.00 Cr | β | β | 7.4% | 201.0% | -9.5% |
| Mar 2020 | βΉ3.07 K Cr | β | βΉ105.00 Cr | β | β | 8.8% | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Revenue / Net Sales | 3,074 | 9,253 | 8,496 | 8,435 | 11,841 | 10,710 |
| Total Expenses | 3,059 | 9,323 | 8,726 | 8,471 | 11,705 | 10,578 |
| EBIT / Operating Profit | 15 | -71 | -230 | -36 | 136 | 131 |
| OPM % | 0% | -1% | -3% | -0% | 1% | 1% |
| Other Income | 104 | 184 | 256 | 155 | 11 | 19 |
| Finance Costs | 6 | 6 | 0 | 0 | 0 | 0 |
| Depreciation & Amortisation | 8 | 13 | 17 | 19 | 23 | 22 |
| Profit Before Tax | 105 | 95 | 10 | 100 | 124 | 128 |
| Tax % | 0% | 0% | 0% | 9% | 9% | 9% |
| Net Profit / PAT | 105 | 95 | 10 | 91 | 113 | 117 |
| EPS (βΉ) | 1.11 | 1 | 0.11 | 0.96 | 1.19 | 1.23 |
| Dividend Payout % | 0% | 0% | 278% | 31% | 34% | 32% |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Canara HSBC Life Insurance Company Limitedthis co. | βΉ13.45 K Cr | βΉ10.71 K Cr | 111.00 | 0.00 | 89.67 | -9.6% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
