HDFC Life Insurance Company Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- ✓Low debt relative to equity (D/E 0.2x)
- ✓Near 52-week low — potential value zone (₹555)
Concerns
- ✗Premium to sector peers (P/E 65.4x vs industry 35.7x)
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹748 | ₹11.5L Cr | 15.2 | 1.98 | 13.8 | 7.04 | — |
| SBIN State Bank of India | ₹977 | ₹8.8L Cr | 10.6 | 1.51 | 15.4 | 6.13 | — |
| ICICIBANK ICICI Bank Limited | ₹1,261 | ₹8.8L Cr | 16.2 | 2.51 | 16.1 | 7.2 | — |
| BAJFINANCE Bajaj Finance Limited | ₹890 | ₹5.5L Cr | 28.6 | 4.86 | 18.2 | 10.8 | — |
| LICI Life Insurance Corporation Of India | ₹400 | ₹5.1L Cr | 8.83 | 2.86 | 37.8 | 35.1 | 0 |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹3.9L Cr | 14.8 | 1.85 | 13.2 | 6.24 | — |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹377 | ₹3.8L Cr | 19.8 | 2.07 | 11.2 | 6.93 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
HDFCLIFE · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 50.37% | 50.37% | 50.37% | 50.34% | 50.32% | 50.32% |
| FII | 31.28% | 30.03% | 26.63% | 25.63% | 25.14% | 24.96% |
| DII | 6.56% | 7.93% | 11.24% | 13.25% | 13.72% | 14.10% |
| Public | 11.76% | 11.64% | 11.74% | 10.75% | 10.76% | 10.60% |
| Others | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
Corporate Events
Dividend - Rs 2.10 Per Share
Dividend - Rs 2.10 Per Share
Dividend - Rs 2 Per Share
Dividend - Rs 1.90 Per Share
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹19.9K Cr ▼32.4% | ₹29.4K Cr ▲42.5% | ₹20.7K Cr ▼29.9% | ₹29.5K Cr ▲21.8% | ₹24.2K Cr ▲39.8% | ₹17.3K Cr ▼39.3% | ₹28.5K Cr ▲5.8% | ₹26.9K Cr |
| Op. Profit | ₹108 Cr ▼60.1% | ₹271 Cr ▼14.0% | ₹315 Cr ▼28.2% | ₹439 Cr ▲16.4% | ₹377 Cr ▼15.8% | ₹448 Cr ▲244.5% | ₹-310 Cr ▼199.7% | ₹311 Cr |
| OPM | 1.0% ▲0.0% | 1.0% ▼50.0% | 2.0% ▲100.0% | 1.0% ▼50.0% | 2.0% ▼33.3% | 3.0% ▲400.0% | -1.0% ▼200.0% | 1.0% |
| Net Profit | ₹497 Cr ▲18.9% | ₹418 Cr ▼6.7% | ₹448 Cr ▼18.2% | ₹548 Cr ▲15.4% | ₹475 Cr ▲12.8% | ₹421 Cr ▼3.2% | ₹435 Cr ▼9.2% | ₹479 Cr |
| EPS (₹) | 2.31 ▲19.1% | 1.94 ▼6.7% | 2.08 ▼18.1% | 2.54 ▲14.9% | 2.21 ▲12.8% | 1.96 ▼3.0% | 2.02 ▼9.4% | 2.23 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ₹99.4K Cr ▲7.0% | ₹92.9K Cr ▼8.4% | ₹1.0L Cr ▲44.5% | ₹70.2K Cr ▲4.6% | ₹67.1K Cr ▼6.2% | ₹71.5K Cr ▲143.5% | ₹29.4K Cr ▼24.4% | ₹38.9K Cr ▲20.4% | ₹32.3K Cr ▲5.3% | ₹30.6K Cr |
| Expenses | ₹98.3K Cr ▲7.0% | ₹91.9K Cr ▼8.9% | ₹1.0L Cr ▲43.8% | ₹70.1K Cr ▲5.7% | ₹66.3K Cr ▼5.6% | ₹70.3K Cr ▲148.9% | ₹28.2K Cr ▼25.0% | ₹37.6K Cr ▲20.7% | ₹31.2K Cr ▲5.1% | ₹29.7K Cr |
| Op. Profit | ₹1.1K Cr ▲10.2% | ₹1.0K Cr ▲59.1% | ₹646 Cr ▲707.5% | ₹80 Cr ▼89.7% | ₹778 Cr ▼37.0% | ₹1.2K Cr ▲8.2% | ₹1.1K Cr ▼6.1% | ₹1.2K Cr ▲13.1% | ₹1.1K Cr ▲10.5% | ₹972 Cr |
| OPM | 1.0% ▲0.0% | 1.0% ▲0.0% | 1.0% | 0.0% ▼100.0% | 1.0% ▼50.0% | 2.0% ▼50.0% | 4.0% ▲33.3% | 3.0% ▲0.0% | 3.0% ▲0.0% | 3.0% |
| Other Income | ₹924 Cr ▲152.5% | ₹366 Cr ▼10.7% | ₹410 Cr ▼71.5% | ₹1.4K Cr ▲87.6% | ₹766 Cr ▲72.1% | ₹445 Cr ▲20.6% | ₹369 Cr ▲171.3% | ₹136 Cr ▼51.8% | ₹282 Cr ▲102.9% | ₹139 Cr |
| Interest | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr ▼100.0% | ₹14 Cr ▲27.3% | ₹11 Cr ▲22.2% | ₹9 Cr |
| Depreciation | ₹0 Cr ▼100.0% | ₹104 Cr ▲31.6% | ₹79 Cr ▲3.9% | ₹76 Cr ▲35.7% | ₹56 Cr ▲9.8% | ₹51 Cr ▲8.5% | ₹47 Cr ▲4.4% | ₹45 Cr ▲2.3% | ₹44 Cr ▲7.3% | ₹41 Cr |
| PBT | ₹2.1K Cr ▲59.5% | ₹1.3K Cr ▲32.0% | ₹977 Cr ▼32.2% | ₹1.4K Cr ▼3.1% | ₹1.5K Cr ▼8.7% | ₹1.6K Cr ▲11.3% | ₹1.5K Cr ▲13.3% | ₹1.3K Cr ▼0.7% | ₹1.3K Cr ▲22.5% | ₹1.1K Cr |
| Tax % | 7.0% ▲117.5% | -40.0% ▲34.4% | -61.0% ▼1320.0% | 5.0% ▼54.5% | 11.0% ▼31.3% | 16.0% ▲45.5% | 11.0% ▲1000.0% | 1.0% ▼93.3% | 15.0% ▼6.3% | 16.0% |
| Net Profit | ₹1.9K Cr ▲5.6% | ₹1.8K Cr ▲15.1% | ₹1.6K Cr ▲15.1% | ₹1.4K Cr ▲3.1% | ₹1.3K Cr ▼2.5% | ₹1.4K Cr ▲4.9% | ₹1.3K Cr ▲1.5% | ₹1.3K Cr ▲15.4% | ₹1.1K Cr ▲24.8% | ₹887 Cr |
| EPS (₹) | 8.86 ▲5.4% | 8.41 ▲14.9% | 7.32 ▲14.9% | 6.37 ▲1.4% | 6.28 ▼6.7% | 6.73 ▲4.7% | 6.43 ▲1.6% | 6.33 ▲15.1% | 5.5 ▲23.9% | 4.44 |
| Div Payout | 24.0% ▼4.0% | 25.0% ▼7.4% | 27.0% ▼10.0% | 30.0% ▲11.1% | 27.0% ▼10.0% | 30.0% | 0.0% ▼100.0% | 26.0% ▲4.0% | 25.0% ▲0.0% | 25.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities | ||||||||||
| Equity Capital | ₹2.2K Cr ▲0.2% | ₹2.2K Cr ▲0.1% | ₹2.2K Cr ▲0.1% | ₹2.1K Cr ▲1.7% | ₹2.1K Cr ▲4.6% | ₹2.0K Cr ▲0.1% | ₹2.0K Cr ▲0.1% | ₹2.0K Cr ▲0.2% | ₹2.0K Cr ▲0.7% | ₹2.0K Cr |
| Reserves | ₹15.6K Cr ▲11.4% | ₹14.0K Cr ▲11.9% | ₹12.5K Cr ▲15.4% | ₹10.8K Cr ▼19.7% | ₹13.5K Cr ▲104.0% | ₹6.6K Cr ▲38.2% | ₹4.8K Cr ▲32.1% | ₹3.6K Cr ▲34.6% | ₹2.7K Cr ▲47.3% | ₹1.8K Cr |
| Borrowings | ₹3.1K Cr ▲5.1% | ₹3.0K Cr ▲210.5% | ₹950 Cr ▲0.0% | ₹950 Cr ▲58.3% | ₹600 Cr ▲0.0% | ₹600 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Other Liabilities | ₹3.7L Cr ▲11.9% | ₹3.3L Cr ▲15.1% | ₹2.9L Cr ▲22.6% | ₹2.3L Cr ▲9.1% | ₹2.1L Cr ▲25.9% | ₹1.7L Cr ▲35.9% | ₹1.3L Cr ▲0.8% | ₹1.2L Cr ▲17.6% | ₹1.1L Cr ▲15.9% | ₹91.3K Cr |
| Total Liabilities | ₹3.9L Cr ▲11.8% | ₹3.5L Cr ▲15.4% | ₹3.0L Cr ▲22.0% | ₹2.5L Cr ▲7.5% | ₹2.3L Cr ▲28.4% | ₹1.8L Cr ▲35.9% | ₹1.3L Cr ▲1.7% | ₹1.3L Cr ▲17.7% | ₹1.1L Cr ▲16.2% | ₹95.1K Cr |
| Assets | ||||||||||
| Fixed Assets | ₹746 Cr ▼65.2% | ₹2.1K Cr ▲38.3% | ₹1.5K Cr ▲55.4% | ₹997 Cr ▼84.9% | ₹6.6K Cr ▲1029.1% | ₹585 Cr ▲81.7% | ₹322 Cr ▼13.0% | ₹370 Cr ▲10.1% | ₹336 Cr ▼0.3% | ₹337 Cr |
| CWIP | ₹0 Cr ▼100.0% | ₹109 Cr ▲289.3% | ₹28 Cr ▼9.7% | ₹31 Cr ▲55.0% | ₹20 Cr ▲42.9% | ₹14 Cr ▲75.0% | ₹8 Cr ▼20.0% | ₹10 Cr ▲100.0% | ₹5 Cr ▼68.8% | ₹16 Cr |
| Investments | ₹3.8L Cr ▲12.2% | ₹3.3L Cr ▲15.0% | ₹2.9L Cr ▲22.2% | ₹2.4L Cr ▲10.0% | ₹2.2L Cr ▲24.8% | ₹1.7L Cr ▲36.4% | ₹1.3L Cr ▲1.8% | ₹1.2L Cr ▲17.2% | ₹1.1L Cr ▲16.2% | ₹91.7K Cr |
| Other Assets | ₹14.3K Cr ▲15.3% | ₹12.4K Cr ▲24.3% | ₹10.0K Cr ▲12.9% | ₹8.8K Cr ▲17.0% | ₹7.6K Cr ▲37.6% | ₹5.5K Cr ▲18.5% | ₹4.6K Cr ▼1.0% | ₹4.7K Cr ▲31.9% | ₹3.6K Cr ▲17.6% | ₹3.0K Cr |
| Total Assets | ₹3.9L Cr ▲11.8% | ₹3.5L Cr ▲15.4% | ₹3.0L Cr ▲22.0% | ₹2.5L Cr ▲7.5% | ₹2.3L Cr ▲28.4% | ₹1.8L Cr ▲35.9% | ₹1.3L Cr ▲1.7% | ₹1.3L Cr ▲17.7% | ₹1.1L Cr ▲16.2% | ₹95.1K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹22.6K Cr ▲45.1% | ₹15.6K Cr ▲45.5% | ₹10.7K Cr ▲55.8% | ₹6.9K Cr ▲15.8% | ₹5.9K Cr ▼38.8% | ₹9.7K Cr ▲31.3% | ₹7.4K Cr ▼25.1% | ₹9.9K Cr ▲46.4% | ₹6.7K Cr ▲8.2% | ₹6.2K Cr |
| Investing CF | ₹-23.9K Cr ▼75.1% | ₹-13.6K Cr ▼0.1% | ₹-13.6K Cr ▼35.3% | ₹-10.1K Cr ▼1157.3% | ₹-801 Cr ▲91.1% | ₹-9.0K Cr ▼14.9% | ₹-7.8K Cr ▲23.5% | ₹-10.2K Cr ▼130.3% | ₹-4.4K Cr ▲14.6% | ₹-5.2K Cr |
| Financing CF | ₹-275 Cr ▼117.1% | ₹1.6K Cr ▲498.8% | ₹-403 Cr ▼120.3% | ₹2.0K Cr ▲934.0% | ₹-238 Cr ▼135.1% | ₹678 Cr ▲1684.2% | ₹38 Cr ▲111.3% | ₹-337 Cr ▼71.9% | ₹-196 Cr ▲16.9% | ₹-236 Cr |
| Net Cash Flow | ₹-1.5K Cr ▼142.6% | ₹3.6K Cr ▲208.1% | ₹-3.3K Cr ▼174.6% | ₹-1.2K Cr ▼124.5% | ₹4.9K Cr ▲243.2% | ₹1.4K Cr ▲492.6% | ₹-364 Cr ▲44.1% | ₹-651 Cr ▼130.7% | ₹2.1K Cr ▲159.7% | ₹817 Cr |
| Free Cash Flow | ₹22.3K Cr ▲46.0% | ₹15.3K Cr ▲44.5% | ₹10.6K Cr ▲55.8% | ₹6.8K Cr ▲15.5% | ₹5.9K Cr ▼39.0% | ₹9.6K Cr ▲31.2% | ₹7.4K Cr ▼25.2% | ₹9.8K Cr ▲46.5% | ₹6.7K Cr ▲8.5% | ₹6.2K Cr |
Values in ₹ Cr · Source: Screener.in
Key Ratios History
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0d | 0d | 0d | 0d | 0d | 0d | 0d ▼100.0% | 2d | 0d | 0d |
| Inventory Days | — | — | — | — | — | — | — | — | — | — |
| Days Payable | — | — | — | — | — | — | — | — | — | — |
| Cash Conv. Cycle | 0d | 0d | 0d | 0d | 0d | 0d | 0d ▼100.0% | 2d | 0d | 0d |
| Working Capital Days | -6d ▲0.0% | -6d ▲25.0% | -8d ▲33.3% | -12d ▼9.1% | -11d ▲15.4% | -13d ▲23.5% | -17d ▼6.3% | -16d ▲36.0% | -25d ▼25.0% | -20d |
| ROCE | 10.0% ▲42.9% | 7.0% ▲40.0% | 5.0% ▼50.0% | 10.0% ▼16.7% | 12.0% ▼40.0% | 20.0% ▼16.7% | 24.0% ▲4.3% | 23.0% ▼25.8% | 31.0% ▲0.0% | 31.0% |
Source: Screener.in · Lower days = better efficiency
Deep Dive Analysis
About HDFC Life Insurance Company Limited
HDFC Life Insurance Company is engaged in carrying on the business of life insurance. The Company offers a range of individual and group insurance solutions. The portfolio comprises of various insurance and investment products such as Protection, Pension, Savings,(Source : 202003 Annual Report Page No: 175)
Financial Services · Insurance