Canara HSBC Life Insurance Company Limited
₹121.25-₹3.35 (-2.7%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹13,445 Cr
- P/E
- 111.0x
- EV / EBITDA
- 89.7x
- Revenue
- ₹10,710 Cr
- Net margin
- 1.0%
- ROCE
- 0.3%
Price chart
Technical chartScreen technicals →+2.4% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -18.6%
- 3M
- -17.6%
- 6M
- -14.2%
- 1Y
- +2.4%
- 5Y
- +8.7%
52-week range
Day change -₹3.35 (-2.7%) from ₹125 to ₹121 · Last close Oct 30, 2026
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 31.0%
Concerns1
- Low return on equity of 7.7%
Rule-based from financial data. Not advice.
About the company
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.
Read moreShow less
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.
- Sector
- Financial Services
- Shares outstanding
- 94.7 Cr shares
- ISIN
- INE01TY01017
- BSE code
- 544583
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹13,445 Cr
- P/E
- 111.0x
- EV / EBITDA
- 89.7x
- EV / Sales
- 1.1x
- P/S
- 1.1x
- Earnings yield
- 0.9%
- 52-week high
- ₹156.95
- 52-week low
- ₹108.65
Profitability
- Operating margin
- 1.1%
- Net margin
- 1.0%
- EBITDA margin
- 1.2%
- ROE
- 7.7%
- ROCE
- 0.3%
- ROA
- 0.3%
- Dividend payout
- 34.0%
- Tax rate
- 9.0%
- Other income, % of PBT
- 8.9%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹10,710 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -9.6%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 31.0%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹147 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 23.5%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 3.5%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 1.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,310 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -10.9%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹218 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 23.8%
Solvency and efficiency
- Current ratio
- 1.04
- Debt / Assets
- 0.00
- Financial leverage
- 27.31
- CFO / Net profit
- 20.44
- Cash / Market cap
- 9.8%
- Cash per share
- ₹13.88
- Asset turnover
- 0.31
- Fixed asset turnover
- 153.78
- Capital intensity
- 0.01
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹1 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹10,579 Cr |
| Sales | Operating profit | ₹131 Cr |
| Operating profit | Depreciation | ₹22 Cr |
| Operating profit | Profit before tax | ₹109 Cr |
| Other income | Profit before tax | ₹19 Cr |
| Profit before tax | Tax and other | ₹11 Cr |
| Profit before tax | Net profit | ₹117 Cr |
Revenue and net profit
Revenue fell 9.6% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹9,253 Cr | ₹95 Cr |
| FY2022 | ₹8,496 Cr | ₹10 Cr |
| FY2023 | ₹8,435 Cr | ₹91 Cr |
| FY2024 | ₹11,841 Cr | ₹113 Cr |
| FY2025 | ₹10,710 Cr | ₹117 Cr |
Cash flows
FY2025: ₹1,208 Cr from operations, ₹494 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹2,340 Cr | ₹104 Cr |
| FY2022 | ₹1,998 Cr | ₹69 Cr |
| FY2023 | ₹2,592 Cr | ₹16 Cr |
| FY2024 | ₹2,310 Cr | ₹265 Cr |
| FY2025 | ₹1,208 Cr | ₹494 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹10,710 Cr-9.6%1Y
- Net profit
- ₹117 Cr+3.5%1Y
- Cash from operations
- ₹1,208 Cr
- Free cash flow
- ₹494 Cr+86.4%1Y
- Revenue CAGR, 5Y
- 31.0%
- EBITDA CAGR, 5Y
- 4.3%
- Net profit CAGR, 5Y
- 1.5%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹10,710 Cr | ₹131 Cr | — | ₹117 Cr | ₹1,208 Cr | ₹494 Cr | 7.7% | -9.6% | +3.5% |
Monthly returns
Month-by-month returns of CANHLIFE across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹42,914 Cr |
| Equity capital | ₹950 Cr |
| Reserves | ₹567 Cr |
| Borrowings | ₹0 Cr |
| Other liabilities | ₹41,397 Cr |
| Assets | ₹42,914 Cr |
| Fixed assets | ₹42 Cr |
| Capital work in progress | ₹4 Cr |
| Investments | ₹41,166 Cr |
| Other assets | ₹1,702 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
CANHLIFE trades at 111.0x earnings against a peer median of 26.9x (a 313% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Canara HSBC Life Insurance Company LimitedCANHLIFEthis companyP/E ↑ premium | ₹13,445 Cr | 111.0x | — | 7.7% | 89.7x |
| Five-Star Business Finance Ltd.FIVESTAR | ₹15,268 Cr | 13.8x | 2.2x | 17.0% | — |
| NIVA BUPA HEALTH INSURANCE COMPANY LIMITEDNIVABUPA | ₹14,417 Cr | 156.0x | 3.8x | 7.0% | 130.9x |
| UTI Asset Management Company LimitedUTIAMC | ₹13,871 Cr | 21.4x | 3.9x | 17.3% | 17.0x |
| Aptus Value Housing Finance India LimitedAPTUS | ₹13,728 Cr | 20.6x | 3.4x | 15.2% | 17.2x |
| JM Financial LimitedJMFINANCIL | ₹12,963 Cr | 22.3x | 2.8x | 12.1% | 30.1x |
| Indian Energy Exchange LimitedIEX | ₹12,598 Cr | 28.0x | 10.4x | 37.8% | 26.1x |
| Can Fin Homes Ltd.CANFINHOME | ₹11,907 Cr | 12.9x | 2.2x | 16.9% | — |
| Sammaan Capital LimitedSAMMAANCAP | ₹11,756 Cr | 10.2x | 0.5x | 4.1% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
CANHLIFE since 1 January, against earlier years.
Historical volatility
CANHLIFE's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -1.0% |
| FY2022 | -3.0% |
| FY2023 | 0.0% |
| FY2024 | 1.0% |
| FY2025 | 1.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹10,710 Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹10,578 Cr |
| Operating profitOperating Profit | ₹131 Cr |
| Other income and charges | |
| Profit before tax | ₹128 Cr |
| Tax | |
| Net profitNet Profit | ₹117 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹42,914 Cr |
| Equity capitalEquity Capital | ₹950 Cr |
| Reserves | ₹567 Cr |
| Borrowings | ₹0 Cr |
| Other liabilitiesOther Liabilities | ₹41,397 Cr |
| AssetsTotal Assets | ₹42,914 Cr |
| Fixed assetsFixed Assets | ₹42 Cr |
| Capital work in progressCWIP | ₹4 Cr |
| Investments | ₹41,166 Cr |
| Other assetsOther Assets | ₹1,702 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹1,208 Cr |
| Investing cash flowCash from Investing Activity | -₹714 Cr |
| Financing cash flowCash from Financing Activity | -₹19 Cr |
| Change in cashNet Cash Flow | ₹474 Cr |
Learn while you research
Academy chapters picked for Canara HSBC Life Insurance Company Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 111.0, learn when high multiples are justified.6 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read