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₹543.05 - ₹820.50
Previous CloseN/A
Volume1.53M
Average Volume (3M)78.62K
Market Cap
₹1.18T
Enterprise Value₹1.29T
Total Cash (Recent Filing)₹5.67B
Total Debt (Recent Filing)₹29.50B
Price to Earnings (P/E)62.5
Beta0.91
Next Earnings
Jul 20, 2026EPS Estimate
3.35Next Dividend Ex-DateN/A
Dividend Yield0.28%
Share Statistics
EPS (TTM)8.74
Shares Outstanding2,157,951,200
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
₹725.00Price Target Upside17.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)10.4
Revenue Forecast (FY)₹876.03B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationVery high operating and free cash flow in FY2026, with FCF nearly equal to net income, indicates durable cash conversion. This strengthens the firm's ability to fund new business, meet policyholder obligations, support capital needs, and sustain shareholder distributions over the medium term.
Conservative LeverageA low debt-to-equity ratio and an expanding equity base provide a conservative capital structure. Moderate leverage with steady ROE around 10–11% gives the company capacity to absorb shocks, maintain regulatory buffers, and finance measured growth without over-reliance on external debt.
Diverse Products And ChannelsA broad product portfolio across protection, savings, ULIPs, pensions and group lines combined with multi-channel distribution (agents, bancassurance, direct, corporate) provides structural diversification. This supports stable new business, cross-sell, and reduces single-channel concentration risk over time.
Bears Say
Thin ProfitabilityModest net and operating margins leave limited room to absorb adverse claim trends, rising acquisition costs, or expense inflation. Sustaining margin improvement is crucial for stronger ROE and shareholder returns; otherwise the business remains sensitive to small revenue or cost shocks.
Rising Leverage TrendAlthough absolute leverage remains moderate, the upward trend in leverage from FY2024 to FY2026 increases financial risk if it continues. Higher leverage could raise funding costs, tighten regulatory capital headroom, and reduce flexibility to invest in growth or manage volatility.
Earnings Sensitivity To Investments & PersistencyProfitability relies materially on investment yields versus guaranteed crediting rates and on policy persistency. Prolonged low yields or weaker persistency would compress investment spreads, reduce fee recovery and increase reserve costs, making earnings cyclically sensitive to macro and behavioral factors.
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 ₹543.05 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 ₹1.18T.
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 36 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 2,157,951,200 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, an Indian enterprise, provides a comprehensive suite of insurance and investment products catering to both individual clients and group entities. Its extensive portfolio encompasses solutions for protection, pension, savings accumulation, general investment, annuities, and health coverage. Specific plans offered include term life, retirement, children's policies, Unit Linked Insurance Plans (ULIPs), options for Non-Resident Indians (NRIs), and various group insurance schemes. The company, which was incorporated in 2000 and has its headquarters in Mumbai, India, previously operated under the name HDFC Standard Life Insurance Company Limited until it officially adopted its current designation in January 2019.
HDFCLIFE Stock 12 Month Forecast
Average Price Target
₹725.00
▲(17.58% Upside)
Technical Analysis
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