HDFC LIFE INSURANCE COMPANY LIMITED
HDFC Life Insurance Company Limited provides individual and group insurance solutions in India. It offers insurance and investment products, such as protection, pension, savings, investment, annuity, and health, as well as term, investment, and life insurance plans. The company was formerly known as HDFC Standard Life Insurance Company Limited changed its name to HDFC Life Insurance Company Limited in January 2019. HDFC Life Insurance Company Limited was incorporated in 2000 and is headquartered in Mumbai, India. HDFC Life Insurance Company Limited operates as a subsidiary of HDFC Bank Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 28.1%
Concerns1
- Valuation elevated β PE of 85.7x is 87% above Financial Services median of 45.9x
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
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 | βΉ96.69 K Cr | β | βΉ1.80 K Cr | β | β | 11.2% | -4.6% | 14.9% |
| Mar 2024 | βΉ1.01 L Cr | β | βΉ1.57 K Cr | β | β | 10.7% | 44.6% | 15.4% |
| Mar 2023 | βΉ70.08 K Cr | β | βΉ1.36 K Cr | β | β | 10.5% | 7.2% | 12.6% |
| Mar 2022 | βΉ65.40 K Cr | β | βΉ1.21 K Cr | β | β | 7.8% | -8.5% | -11.2% |
| Mar 2021 | βΉ71.45 K Cr | β | βΉ1.36 K Cr | β | β | 15.7% | 143.4% | 5.0% |
| Mar 2020 | βΉ29.35 K Cr | β | βΉ1.29 K Cr | β | β | 19.0% | -23.5% | 1.4% |
| Mar 2019 | βΉ38.36 K Cr | β | βΉ1.28 K Cr | β | β | 22.6% | 19.0% | 15.1% |
| Mar 2018 | βΉ32.25 K Cr | β | βΉ1.11 K Cr | β | β | 23.5% | 5.2% | 24.3% |
| Mar 2017 | βΉ30.64 K Cr | β | βΉ892.00 Cr | β | β | 23.2% | 68.9% | 9.0% |
| Mar 2016 | βΉ18.14 K Cr | β | βΉ818.00 Cr | β | β | 26.3% | -33.3% | 4.1% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 91,276 |
| Total Expenses | 89,613 |
| EBIT / Operating Profit | 1,663 |
| OPM % | 2% |
| Other Income | 319 |
| Finance Costs | 0 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 1,982 |
| Tax % | - |
| Net Profit / PAT | 1,885 |
| EPS (βΉ) | 8.75 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| HDFC LIFE INSURANCE COMPANY LIMITEDthis co. | βΉ1.62 L Cr | βΉ96.69 K Cr | 85.70 | 9.53 | 153.07 | -4.6% |
| 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% |