HDFC Life Insurance

HDFCLIFE

Insurance

₹516.10

price as of 15/9/2026, 6:28:01 pm

Market cap ₹1.12 L Cr

P/E: 56.28
Day range: ₹516.10 – ₹530.65
52-week range: ₹508.70 – ₹796.90
Volume: 48.43 L
Open: ₹530.00
Prev close: ₹530.00

Key metrics

P/E (TTM): 57.3
EPS (TTM): ₹9.16
ROE (FY26): 11.3%
ROCE (latest year): 10%
Dividend yield: 0.40%

Charts & trends

From company filings. Amounts in ₹ crore.

Revenue 3Y CAGR

+12.3%

Profit 3Y CAGR

+11.8%

Revenue YoY (Jun 2026)

+14.6%

Profit YoY (Jun 2026)

+11.5%

Operating margin

1.5%

Net margin

1.8%

Revenue, profit & margin - quarterly

Bars in ₹ crore (a loss shows red); line is operating margin

Revenue
Net profit
Operating margin

Who owns the company

Shareholding as of Jun 2026

Promoter
DII
FII
Public
Others

Cash flows

Where cash came from and went, by fiscal year (₹ crore)

Operating
Investing
Financing
Free cash flow

Return on equity

Net profit over shareholders' equity, by fiscal year

Equity vs debt

Shareholders' equity against borrowings (₹ crore); line is debt-to-equity

Equity
Debt
Debt / equity

Financial statements

₹ Crore

Quarterly results, oldest period first, figures in rupees crore
Line item	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	23,142	26,927	28,041	26,934	28,497	17,300	24,191	29,463	20,651	29,428	19,890	33,759
Expenses	23,557	26,663	27,766	26,623	28,807	16,852	23,814	29,024	20,336	29,157	19,782	33,253
Operating Profit	-415	264	275	311	-310	448	377	439	315	271	108	506
OPM %	-1.8%	1%	1%	1.2%	-1.1%	2.6%	1.6%	1.5%	1.5%	0.9%	0.6%	1.5%
Other Income	136	103	174	90	279	-29	124	164	157	174	428	171
Interest	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	-279	367	450	401	-30	419	500	604	471	445	537	677
Tax %	-235%	0%	8%	-20%	-1541%	-1%	5%	9%	5%	6%	7%	10%
Net Profit	378	368	412	479	435	421	475	548	448	418	497	611
EPS in Rs	₹1.76	₹1.71	₹1.91	₹2.23	₹2.02	₹1.96	₹2.21	₹2.54	₹2.08	₹1.94	₹2.31	₹2.81

From company filings, updated 15 Sept 2026. Consolidated figures where the company reports them.Information only, not investment advice.

Working-capital cycle

Debtor Days0

0 days since Mar 2021

Cash Conversion Cycle0

0 days since Mar 2021

Working Capital Days-6

+7 days since Mar 2021

Strengths, risks & growth

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)

Strengths

Company has been maintaining a healthy dividend payout of 25.3%

Risks

Stock is trading at 5.89 times its book value
The company has delivered a poor sales growth of 6.81% over past five years.
Tax rate seems low
Company has a low return on equity of 11.1% over last 3 years.
Earnings include an other income of Rs.931 Cr.

Compounded Sales Growth

10 Years: +19%
5 Years: +7%
3 Years: +12%
TTM: +4%

Compounded Profit Growth

10 Years: +9%
5 Years: +7%
3 Years: +12%
TTM: +5%

Stock Price CAGR

10 Years: —
5 Years: -7%
3 Years: -6%
1 Year: -32%

Return on Equity

10 Years: +14%
5 Years: +11%
3 Years: +11%
Last Year: +11%

Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

Shareholding pattern

Percentage of shares held by each category at each quarter end
Holder	Sept 2025	Dec 2025	Mar 2026	Jun 2026	Change
Promoter	50.25%	50.21%	50.21%	50.54%	+0.33 pp
FII	24.82%	24.27%	22.52%	19.27%	-3.25 pp
DII	14.59%	15.23%	17.25%	20.19%	+2.94 pp
Public	10.32%	10.25%	10.00%	9.98%	-0.02 pp
Others	0.03%	0.03%	0.03%	0.02%	-0.01 pp

Filed with NSE for Jun 2026: promoters 50.54%, public 49.44% · XBRL filing

Analysts & fund holdings

100% recommend buy

33 analysts cover the stock

Valuation vs Insurance

P/E56.3 vs 16.6

Sector P/B2.14

Beta0.95

Who holds the shares, quarter by quarter

Mutual funds 16.57% (+2.03 pp)

Mar 25

Jun 25

Sept 25

Dec 25

Mar 26

Jun 26

Promoters50.5%
Foreign institutions19.3%
Mutual funds16.6%
Insurance2.2%
Other domestic institutions1.4%
Retail3.6%
Others6.4%

Mutual funds holding the most
Fund	% of company	% of fund	3-month change
SBI Large Cap Fund	1.31%	2.86%	-0.17 pp
ICICI Pru Value Fund	0.98%	1.97%	-0.11 pp
ICICI Pru India Opp Fund	0.78%	2.45%	-0.01 pp
ICICI Pru Large Cap Fund	0.71%	1.07%	-0.07 pp
SBI Large & Midcap Fund	0.62%	1.75%	-0.17 pp

Scorecard

Performance: Low
Valuation: High
Growth: Low
Profitability: High
Entry point: Good
Red flags: Low

Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

Risk & trend

From 248 daily sessions to 11 Sept 2026.

Computed

Risk

Volatility (1Y): 22.7%
Downside volatility: 23.1%
Worst 5% of days: 2.5%
Average of that tail: 3.3%
Max drawdown (1Y): 34.8%
Below its peak: 32.7%

Against the market

Beta vs Nifty 50: 0.93
Correlation: 0.54
Relative strength (3M): -6.9%
ATR (14): 2.3%

Return

Return 1M: -1.5%
Return 3M: -8.8%
Return 6M: -19.2%
Return 1Y: —
vs 200-day average: -16.9%

Momentum

RSI (14): 44.1
MACD histogram: -1.30
Stochastic %K: 38.9
ADX (14): 15.7
+DI / −DI: 16.1 / 24.3
Money flow index: 47.6

Participation

Delivery (20d avg): 56.0%
vs its 60-day baseline: -0.1 pts
Volume vs 20-day: +0.6σ
Close vs day's VWAP: +0.6%
52-week position: 6 / 100

These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.

Financial quality

From consolidated statements to 30 Jun 2026.

Computed

No F-Score: it needs two reporting periods a year apart that carry both an income statement and a balance sheet, and this company's filings do not yet line up that way. The ratios below need only the one period and are unaffected.

Net debt: ₹23,24,64,00,000
Net debt / equity: 0.12
EV / sales: 3.53

Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.

Corporate actions

dividend
₹2.10
Dividend - Rs 2.10 Per Share
19 Jun 2026
ex-date
dividend
₹2.10
Dividend - Rs 2.10 Per Share
20 Jun 2025
ex-date
dividend
₹2.00
Dividend - Rs 2 Per Share
21 Jun 2024
ex-date
dividend
₹1.90
Dividend - Rs 1.90 Per Share
16 Jun 2023
ex-date
dividend
₹1.70
Dividend - Rs 1.70 Per Share
31 May 2022
ex-date
dividend
₹2.02
Dividend - Rs 2.02 Per Sh
30 Jun 2021
ex-date
other
Not available — not reported in this filing
Annual General Meeting
11 Jul 2019
ex-date
dividend
₹1.63
Interim Dividend - Rs 1.63 Per Share
14 Mar 2019
ex-date
other
Not available — not reported in this filing
Annual General Meeting
12 Jul 2018
ex-date
dividend
₹1.36
Interim Dividend - Rs 1.36 Per Share (Purpose Revised)
15 Dec 2017
ex-date