HDFC Life Insurance Co. Ltd. (IN:HDFCLIFE)
:HDFCLIFE
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HDFCLIFE Stock Chart & Stats
₹616.60
-₹5.55(-0.90%)
At close: 4:00 PM EST
₹616.60
-₹5.55(-0.90%)
Day’s Range― - ―
52-Week Range₹555.15 - ₹820.50
Previous CloseN/A
Volume1.53M
Average Volume (3M)78.62K
Market Cap
₹1.27T
Enterprise Value₹1.29T
Total Cash (Recent Filing)₹5.67B
Total Debt (Recent Filing)₹29.50B
Price to Earnings (P/E)66.6
Beta0.91
Next Earnings
Jul 20, 2026EPS Estimate
3.35Next Dividend Ex-DateN/A
Dividend Yield0.28%
Share Statistics
EPS (TTM)2.31
Shares Outstanding2,157,819,600
10 Day Avg. Volume91,746
30 Day Avg. Volume78,621
Financial Highlights & Ratios
PEG Ratio12.17
Price to Book (P/B)7.17
Price to Sales (P/S)1.27
P/FCF Ratio3.51
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹776.50Price Target Upside25.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)10.48
Revenue Forecast (FY)₹886.34B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationExceptionally strong operating and free cash flow in FY2026, with FCF roughly equal to net income (~0.99x), signals durable internal funding. This supports capital requirements for reserves, product investment, shareholder returns, and reduces reliance on external financing over the medium term.
Conservative Balance Sheet LeverageA modest debt-to-equity ratio (~0.17) combined with expanding equity provides a structural cushion against shocks and regulatory strain. Steady ROE around 10–11% indicates reasonable capital efficiency while preserving flexibility to absorb adverse experience or pursue strategic investments.
Revenue Recovery & Multi-channel DistributionReturn to positive top-line growth (+8.1% FY2026) alongside a multi-channel distribution model (agents, bancassurance, online, corporate) supports durable new business scale. Diversified channels reduce dependency on any single source and help sustain new premium flows over the medium term.
Bears Say
Thin Profitability MarginsNet margin near 1.9% leaves limited earnings buffer against adverse claims, persistency deterioration, or higher acquisition costs. With margins thin, sustained revenue growth is required just to maintain profits, constraining the company's ability to absorb shocks or fund discretionary initiatives without raising prices or cutting costs.
Rising Leverage TrendAlthough leverage remains moderate, the upward trend from FY2024 to FY2026 reduces the prior conservatism and narrows capital flexibility. Continued increases could pressure regulatory capital metrics, raise funding costs, and limit the firm's ability to expand product offerings or support capital-intensive initiatives.
Earnings Sensitivity To Persistency And Investment SpreadsBusiness economics depend materially on persistency and investment yields; adverse policyholder behavior or a lower investment spread can compress margins and reduce lifetime value. This structural sensitivity ties long-term earnings to macro rates and customer retention dynamics, raising variability in returns.
HDFC Life Insurance Co. Ltd. News
HDFCLIFE FAQ
What was HDFC Life Insurance Co. Ltd.’s price range in the past 12 months?
HDFC Life Insurance Co. Ltd. lowest stock price was ₹555.15 and its highest was ₹820.50 in the past 12 months.
What is HDFC Life Insurance Co. Ltd.’s market cap?
HDFC Life Insurance Co. Ltd.’s market cap is ₹1.27T.
When is HDFC Life Insurance Co. Ltd.’s upcoming earnings report date?
HDFC Life Insurance Co. Ltd.’s upcoming earnings report date is Jul 20, 2026 which is in 78 days.
How were HDFC Life Insurance Co. Ltd.’s earnings last quarter?
HDFC Life Insurance Co. Ltd. released its earnings results on Apr 16, 2026. The company reported ₹2.31 earnings per share for the quarter, missing the consensus estimate of ₹3.039 by -₹0.729.
Is HDFC Life Insurance Co. Ltd. overvalued?
According to Wall Street analysts HDFC Life Insurance Co. Ltd.’s price is currently Undervalued.
Does HDFC Life Insurance Co. Ltd. pay dividends?
HDFC Life Insurance Co. Ltd. pays a Annually dividend of ₹2.1 which represents an annual dividend yield of 0.28%. See more information on HDFC Life Insurance Co. Ltd. dividends here
What is HDFC Life Insurance Co. Ltd.’s EPS estimate?
HDFC Life Insurance Co. Ltd.’s EPS estimate is 3.35.
How many shares outstanding does HDFC Life Insurance Co. Ltd. have?
HDFC Life Insurance Co. Ltd. has 2,157,819,600 shares outstanding.
What happened to HDFC Life Insurance Co. Ltd.’s price movement after its last earnings report?
HDFC Life Insurance Co. Ltd. reported an EPS of ₹2.31 in its last earnings report, missing expectations of ₹3.039. Following the earnings report the stock price went down -1.405%.
Which hedge fund is a major shareholder of HDFC Life Insurance Co. Ltd.?
Currently, no hedge funds are holding shares in IN:HDFCLIFE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
HDFC Life Insurance Co. Ltd.
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, retirement, investment, children's, and unit linked insurance, NRI, and group 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. The company was incorporated in 2000 and is based in Mumbai, India.
HDFCLIFE Stock 12 Month Forecast
Average Price Target
₹776.50
▲(25.93% Upside)
Technical Analysis
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