NSE / BSEFinancial Services
β‚Ή559.35+6.70+1.21%
P/E85.7Mkt Capβ‚Ή1.62 L CrEV/EBITDA153.1

HDFC LIFE INSURANCE COMPANY LIMITED

P/E85.7Mkt Capβ‚Ή1.62 L CrEV/EBITDA153.1
Company Profile

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

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
0.0x
β€”
EV / Sales
0.0x
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 26.62% over 1Y
Monthly Returns

Historically, Nov has averaged the highest return (+3.3%); Feb the lowest (-7.4%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-2.5%Negative MonthJan 2026: -2.47%-2.2%Negative MonthFeb 2026: -2.18%-17.5%Negative MonthMar 2026: -17.47%-0.6%Neutral MonthApr 2026: -0.59%+1.4%Neutral MonthMay 2026: +1.41%-3.2%Negative MonthJun 2026: -3.20%-2.9%*Negative MonthJul 2026: -2.87%β€”β€”β€”β€”β€”
2025+3.4%Positive MonthJan 2025: +3.44%-4.6%Negative MonthFeb 2025: -4.57%+12.6%Positive MonthMar 2025: +12.57%+8.5%Positive MonthApr 2025: +8.51%+4.5%Positive MonthMay 2025: +4.48%+4.7%Positive MonthJun 2025: +4.75%-7.2%Negative MonthJul 2025: -7.20%+2.1%Positive MonthAug 2025: +2.12%-2.0%Neutral MonthSep 2025: -1.96%-3.3%Negative MonthOct 2025: -3.26%+4.5%Positive MonthNov 2025: +4.47%-2.0%Neutral MonthDec 2025: -1.96%
2024-10.9%Negative MonthJan 2024: -10.93%+1.2%Neutral MonthFeb 2024: +1.16%+8.6%Positive MonthMar 2024: +8.58%-7.8%Negative MonthApr 2024: -7.84%-5.7%Negative MonthMay 2024: -5.70%+8.1%Positive MonthJun 2024: +8.11%+20.3%Positive MonthJul 2024: +20.33%+3.2%Positive MonthAug 2024: +3.24%-2.9%Negative MonthSep 2024: -2.92%+0.2%Neutral MonthOct 2024: +0.22%-8.5%Negative MonthNov 2024: -8.52%-6.2%Negative MonthDec 2024: -6.18%
2023+2.2%Positive MonthJan 2023: +2.21%-15.6%Negative MonthFeb 2023: -15.61%+2.2%Positive MonthMar 2023: +2.20%+6.1%Positive MonthApr 2023: +6.09%+11.7%Positive MonthMay 2023: +11.67%+10.0%Positive MonthJun 2023: +10.01%-0.6%Neutral MonthJul 2023: -0.60%-0.4%Neutral MonthAug 2023: -0.36%-1.1%Neutral MonthSep 2023: -1.09%-2.9%Negative MonthOct 2023: -2.93%+11.6%Positive MonthNov 2023: +11.64%-6.3%Negative MonthDec 2023: -6.34%
2022-4.0%Negative MonthJan 2022: -3.98%-16.0%Negative MonthFeb 2022: -16.02%+2.9%Positive MonthMar 2022: +2.89%+8.2%Positive MonthApr 2022: +8.22%+2.9%Positive MonthMay 2022: +2.88%-8.2%Negative MonthJun 2022: -8.19%+1.0%Neutral MonthJul 2022: +0.97%+3.5%Positive MonthAug 2022: +3.52%-7.8%Negative MonthSep 2022: -7.83%+1.9%Neutral MonthOct 2022: +1.94%+9.3%Positive MonthNov 2022: +9.26%-4.1%Negative MonthDec 2022: -4.06%
2021β€”β€”β€”β€”β€”+2.7%Positive MonthJun 2021: +2.65%-3.1%Negative MonthJul 2021: -3.10%+7.9%Positive MonthAug 2021: +7.91%+0.7%Neutral MonthSep 2021: +0.68%-5.8%Negative MonthOct 2021: -5.84%-0.4%Neutral MonthNov 2021: -0.40%-4.3%Negative MonthDec 2021: -4.26%
AvgΒ±SD-2.3%Β±5.1%-7.4%Β±7.1%+1.8%Β±10.3%+2.9%Β±6.3%+2.9%Β±5.6%+2.4%Β±6.3%+1.3%Β±8.9%+3.3%Β±2.7%-2.6%Β±2.9%-2.0%Β±2.7%+3.3%Β±7.2%-4.6%Β±1.6%
* Current month β€” value will change until month-end.

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.

Seasonal Tendency

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. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s 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 ROI
Average from:
SD Γ—
Latest: 0.746x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s 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 β€œAverage from”, 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 (β‚Ή 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

Revenueβ‚Ή96.69 K Crβ–Ό 4.6%
EBITDA Growthβ€”
Net Profitβ‚Ή1.80 K Crβ–² 14.9%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 208.3%
Revenue CAGR 5Y28.1%
EBITDA CAGR 5Y-7.0%
Net Profit CAGR 5Y3.9%
NP Growth 1Y14.9%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή96.69 K Crβ€”β‚Ή1.80 K Crβ€”β€”11.2%-4.6%14.9%
Mar 2024β‚Ή1.01 L Crβ€”β‚Ή1.57 K Crβ€”β€”10.7%44.6%15.4%
Mar 2023β‚Ή70.08 K Crβ€”β‚Ή1.36 K Crβ€”β€”10.5%7.2%12.6%
Mar 2022β‚Ή65.40 K Crβ€”β‚Ή1.21 K Crβ€”β€”7.8%-8.5%-11.2%
Mar 2021β‚Ή71.45 K Crβ€”β‚Ή1.36 K Crβ€”β€”15.7%143.4%5.0%
Mar 2020β‚Ή29.35 K Crβ€”β‚Ή1.29 K Crβ€”β€”19.0%-23.5%1.4%
Mar 2019β‚Ή38.36 K Crβ€”β‚Ή1.28 K Crβ€”β€”22.6%19.0%15.1%
Mar 2018β‚Ή32.25 K Crβ€”β‚Ή1.11 K Crβ€”β€”23.5%5.2%24.3%
Mar 2017β‚Ή30.64 K Crβ€”β‚Ή892.00 Crβ€”β€”23.2%68.9%9.0%
Mar 2016β‚Ή18.14 K Crβ€”β‚Ή818.00 Crβ€”β€”26.3%-33.3%4.1%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue / Net Sales17,16427,21318,13830,64232,24638,36029,35171,44765,40270,081101,31696,68791,276
Total Expenses16,55926,33917,47329,66531,17037,51728,21170,16664,73169,982100,63095,60089,613
EBIT / Operating Profit6058746659771,0768431,1401,2826711006861,0871,663
OPM %4%3%4%3%3%2%4%2%1%0%1%1%2%
Other Income241793981392815063674427461,407363293319
Finance Costs11-1489111404500000
Depreciation & Amortisation41434541444546515275781020
Profit Before Tax7949241,0101,0661,3021,2901,4611,6281,3651,4329711,2781,982
Tax %9%15%19%16%15%1%11%16%12%5%-62%-41%-
Net Profit / PAT7257868188921,1091,2771,2951,3601,2081,3601,5691,8021,885
EPS (β‚Ή)3.643.944.104.465.516.336.426.735.726.337.298.378.75
Dividend Payout %14%18%22%25%25%26%0%30%30%30%27%25%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
HDFC LIFE INSURANCE COMPANY LIMITEDthis co.β‚Ή1.62 L Crβ‚Ή96.69 K Cr85.709.53153.07-4.6%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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