HDFC Life Insurance Co. Ltd. (IN:HDFCLIFE)
:HDFCLIFE
HDFCLIFE Stock Chart & Stats
₹647.75
-₹5.55(-0.90%)
At close: 4:00 PM EST
₹647.75
-₹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
₹1.29T
Enterprise Value₹1.30T
Total Cash (Recent Filing)₹5.67B
Total Debt (Recent Filing)₹29.50B
Price to Earnings (P/E)96.6
Beta0.86
Next Earnings
Apr 16, 2026EPS Estimate
3.18Next Dividend Ex-DateN/A
Dividend Yield0.28%
Share Statistics
EPS (TTM)1.95
Shares Outstanding2,157,819,600
10 Day Avg. Volume91,746
30 Day Avg. Volume78,621
Financial Highlights & Ratios
PEG Ratio5.53
Price to Book (P/B)9.24
Price to Sales (P/S)1.66
P/FCF Ratio9.75
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹875.50Price Target Upside35.16% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)11.02
Revenue Forecast (FY)₹905.92B
Bulls Say, Bears Say
Bulls Say
Cash GenerationHDFC Life's FCF increase of 44.54% and a strong operating-cashflow-to-net-income ratio (8.61) indicate high-quality earnings and durable cash conversion. Reliable cash flow funds policyholder liabilities, supports capital needs, and provides flexibility to invest in distribution or absorb underwriting and market shocks over months.
Profitability & MarginsImproved net margin (17.95%), robust EBITDA margin (21.04%) and improved ROE (11.21%) reflect sustained underwriting discipline and expense control. These durable margin metrics support long-term earnings resiliency, enable reinvestment in products and distribution, and improve returns to stakeholders over multiple quarters.
Diversified DistributionA multi-channel distribution model across agents, bancassurance, direct/online and corporate/group business reduces customer and channel concentration. This structural breadth stabilizes new business flows and persistency, improving the ability to scale sales and smooth revenue across economic cycles over the medium term.
Bears Say
Low Equity RatioAn equity ratio reported at 4.62% implies a relatively thin capital cushion versus liabilities. That limited statutory capital buffer increases sensitivity to adverse investment returns, higher claims or persistency shocks, potentially constraining growth, product pricing flexibility and capital management until reserves rebuild.
Investment Spread ExposureHDFC Life depends materially on investment yields and the spread versus credited rates to generate surplus. In a prolonged low-yield cycle or if guarantee assumptions tighten, spread compression can erode margins, strain regulatory capital and reduce shareholder earnings — a structural industry vulnerability.
Revenue SoftnessA reported 0.67% drop in revenue in the latest year signals inconsistency in top-line growth. Given high upfront acquisition costs and the importance of persistency for lifetime value, uneven premium growth can make it harder to recover costs and sustain long-term profitability unless new business trends stabilize.
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 ₹1.29T.
When is HDFC Life Insurance Co. Ltd.’s upcoming earnings report date?
HDFC Life Insurance Co. Ltd.’s upcoming earnings report date is Apr 16, 2026 which is in 6 days.
How were HDFC Life Insurance Co. Ltd.’s earnings last quarter?
HDFC Life Insurance Co. Ltd. released its earnings results on Jan 15, 2026. The company reported ₹1.953 earnings per share for the quarter, missing the consensus estimate of ₹2.455 by -₹0.502.
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 3.18.
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 ₹1.953 in its last earnings report, missing expectations of ₹2.455. Following the earnings report the stock price went same 0%.
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
₹875.50
▲(35.16% Upside)
Technical Analysis
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