HDFC LIFE INSURANCE COMPANY LIMITED
₹523.15+₹7.00 (+1.4%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹1,61,590 Cr
- P/E
- 85.7x
- EV / EBITDA
- 153.1x
- Revenue
- ₹96,687 Cr
- Net margin
- 1.5%
- ROCE
- 0.3%
Price chart
Technical chartScreen technicals →-29.9% 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
- +0.7%
- 3M
- -4.1%
- 6M
- -10.8%
- 1Y
- -29.9%
- 5Y
- -24.9%
52-week range
Day change +₹7.00 (+1.4%) from ₹516 to ₹523 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in HDFCLIFE, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 28.1%
Concerns1
- Valuation elevated — PE of 85.7x is 87% above peer average of 45.9x
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 216 Cr shares
- ISIN
- INE795G01014
- BSE code
- 540777
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹1,61,590 Cr
- P/E
- 85.7x
- P/B
- 9.5x
- EV / EBITDA
- 153.1x
- EV / Sales
- 1.6x
- P/S
- 1.6x
- Earnings yield
- 1.2%
- 52-week high
- ₹786.75
- 52-week low
- ₹513.75
Profitability
- Operating margin
- 0.7%
- Net margin
- 1.5%
- EBITDA margin
- 1.0%
- ROE
- 11.2%
- ROCE
- 0.3%
- ROA
- 0.5%
- Dividend payout
- 27.0%
- Tax rate
- -62.0%
- Other income, % of PBT
- 37.4%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹96,687 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.
- -4.6%
- 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.
- 28.1%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,049 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.
- -30.4%
- 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.
- 14.9%
- 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.
- 3.9%
- 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.
- ₹10,725 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.
- 55.8%
- 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.
- ₹3,584 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.
- 22.0%
Solvency and efficiency
- Current ratio
- 1.05
- Debt / Assets
- 0.00
- Debt / EBITDA
- 0.91
- Financial leverage
- 20.65
- CFO / Net profit
- 6.84
- Cash / Market cap
- 6.1%
- Cash per share
- ₹45.69
- Asset turnover
- 0.33
- Fixed asset turnover
- 65.58
- Capital intensity
- 0.02
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹2 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹95,600 Cr |
| Sales | Operating profit | ₹1,087 Cr |
| Operating profit | Depreciation | ₹102 Cr |
| Operating profit | Profit before tax | ₹985 Cr |
| Other income | Profit before tax | ₹293 Cr |
| Profit before tax | Net profit | ₹1,278 Cr |
| Tax benefit and other | Net profit | ₹524 Cr |
Revenue and net profit
Revenue fell 4.6% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹71,447 Cr | ₹1,360 Cr |
| FY2022 | ₹65,402 Cr | ₹1,208 Cr |
| FY2023 | ₹70,081 Cr | ₹1,360 Cr |
| FY2024 | ₹1.0 L Cr | ₹1,569 Cr |
| FY2025 | ₹96,687 Cr | ₹1,802 Cr |
Cash flows
FY2025: ₹15,598 Cr from operations, ₹1,976 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹9,703 Cr | ₹708 Cr |
| FY2022 | ₹5,540 Cr | ₹4,138 Cr |
| FY2023 | ₹6,882 Cr | -₹3,190 Cr |
| FY2024 | ₹10,725 Cr | -₹2,907 Cr |
| FY2025 | ₹15,598 Cr | ₹1,976 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹96,687 Cr-4.6%1Y
- Net profit
- ₹1,802 Cr+14.9%1Y
- Cash from operations
- ₹15,598 Cr
- Free cash flow
- ₹1,976 Cr
- Revenue CAGR, 5Y
- 28.1%
- EBITDA CAGR, 5Y
- -7.0%
- Net profit CAGR, 5Y
- 3.9%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹96,687 Cr | ₹1,087 Cr | — | ₹1,802 Cr | ₹15,598 Cr | ₹1,976 Cr | 11.2% | -4.6% | +14.9% |
Monthly returns
Month-by-month returns of HDFCLIFE 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 | ₹3.5 L Cr |
| Equity capital | ₹2,153 Cr |
| Reserves | ₹13,973 Cr |
| Borrowings | ₹2,950 Cr |
| Other liabilities | ₹3.3 L Cr |
| Assets | ₹3.5 L Cr |
| Fixed assets | ₹2,135 Cr |
| Capital work in progress | ₹109 Cr |
| Investments | ₹3.3 L Cr |
| Other assets | ₹12,251 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
HDFCLIFE trades at 85.7x earnings against a peer median of 26.9x (a 219% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| HDFC LIFE INSURANCE COMPANY LIMITEDHDFCLIFEthis companyP/E ↑ premium | ₹1.6 L Cr | 85.7x | 9.5x | 11.2% | 153.1x |
| Shriram Finance LimitedSHRIRAMFIN | ₹1.8 L Cr | 20.5x | 3.0x | 17.3% | — |
| Jio Financial Services LimitedJIOFIN | ₹1.8 L Cr | 258.0x | 6.2x | 2.2% | 330.6x |
| Indian Railway Finance CorporationIRFC | ₹1.6 L Cr | 23.2x | 2.8x | 12.3% | 17.9x |
| MUTHOOT FINANCE LIMITEDMUTHOOTFIN | ₹1.6 L Cr | 21.7x | 5.0x | 18.3% | — |
| Bank Of BarodaBANKBARODA | ₹1.6 L Cr | 8.1x | 1.1x | 14.3% | — |
| Tata Capital LimitedTATACAP | ₹1.5 L Cr | 58.3x | — | 9.2% | — |
| Cholamandalam Investment and Finance Company LtdCHOLAFIN | ₹1.4 L Cr | 30.9x | 5.5x | 18.0% | — |
| Punjab National BankPNB | ₹1.4 L Cr | 9.1x | 1.1x | 13.1% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
HDFCLIFE since 1 January, against earlier years.
Historical volatility
HDFCLIFE'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 | 2.0% |
| FY2022 | 1.0% |
| FY2023 | 0.0% |
| FY2024 | 1.0% |
| FY2025 | 1.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹96,687 Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹95,600 Cr |
| Operating profitOperating Profit | ₹1,087 Cr |
| Other income and charges | |
| Profit before tax | ₹1,278 Cr |
| Tax | |
| Net profitNet Profit | ₹1,802 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹3.5 L Cr |
| Equity capitalEquity Capital | ₹2,153 Cr |
| Reserves | ₹13,973 Cr |
| Borrowings | ₹2,950 Cr |
| Other liabilitiesOther Liabilities | ₹3.3 L Cr |
| AssetsTotal Assets | ₹3.5 L Cr |
| Fixed assetsFixed Assets | ₹2,135 Cr |
| Capital work in progressCWIP | ₹109 Cr |
| Investments | ₹3.3 L Cr |
| Other assetsOther Assets | ₹12,251 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹15,598 Cr |
| Investing cash flowCash from Investing Activity | -₹13,622 Cr |
| Financing cash flowCash from Financing Activity | ₹1,607 Cr |
| Change in cashNet Cash Flow | ₹3,584 Cr |
Learn while you research
Academy chapters picked for HDFC 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 85.7, learn when high multiples are justified.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read