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HDFC Life Insurance Co. Ltd. (IN:HDFCLIFE)
:HDFCLIFE
India Market
HDFCLIFE
HDFC Life Insurance Co. Ltd.
RESEARCH TOOLSreports

HDFC Life Insurance Co. Ltd. (HDFCLIFE) Ratios

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HDFC Life Insurance Co. Ltd. Ratios

IN:HDFCLIFE's free cash flow for Q1 2026 was ₹0.94. For the 2026 fiscal year, IN:HDFCLIFE's free cash flow was decreased by ₹ and operating cash flow was ₹0.02. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 1.36 0.19 1.22 0.75 0.63
Quick Ratio
 1.36 0.19 1.22 0.75 0.63
Cash Ratio
 1.36 0.19 0.22 0.75 0.63
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 1.63 1.10 4.41 2.70
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -3.71T₹ -3.31T₹ -2.76T₹ -2.34T₹ -2.14T
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Debt-to-Equity Ratio
 0.18 0.18 0.06 0.07 0.04
Debt-to-Capital Ratio
 0.15 0.15 0.06 0.07 0.04
Long-Term Debt-to-Capital Ratio
 0.15 0.15 0.06 0.07 0.04
Financial Leverage Ratio
 22.11 21.63 20.64 19.09 14.78
Debt Service Coverage Ratio
 0.00 14.50 15.77 13.75 16.02
Interest Coverage Ratio
 0.00 13.24 14.03 11.32 14.15
Debt to Market Cap
 0.02 0.02 <0.01 <0.01 <0.01
Interest Debt Per Share
 14.38 14.36 4.94 4.98 3.38
Net Debt to EBITDA
 1.28 0.53 -0.70 -0.15 -0.53
Profitability Margins
Gross Profit Margin
71.85%91.29%94.51%95.88%97.02%
EBIT Margin
2.02%2.24%1.75%1.99%2.07%
EBITDA Margin
2.02%2.36%1.84%2.09%2.15%
Operating Profit Margin
1.98%2.09%1.64%1.83%1.93%
Pretax Profit Margin
2.02%2.09%1.64%1.83%1.93%
Net Profit Margin
1.95%2.01%1.64%1.95%1.97%
Continuous Operations Profit Margin
1.95%2.01%1.64%1.95%1.97%
Net Income Per EBT
96.51%96.43%100.28%106.71%101.86%
EBT Per EBIT
102.13%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.49%0.52%0.52%0.55%0.58%
Return on Equity (ROE)
11.16%11.21%10.73%10.53%8.50%
Return on Capital Employed (ROCE)
0.49%0.55%0.54%0.52%0.57%
Return on Invested Capital (ROIC)
0.48%0.53%0.54%0.52%0.57%
Return on Tangible Assets
0.49%0.52%0.52%0.55%0.59%
Earnings Yield
1.45%1.21%1.15%1.28%1.21%
Efficiency Ratios
Receivables Turnover
 0.00 18.78 21.88 20.90 20.96
Payables Turnover
 0.00 5.77 3.23 1.85 0.91
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 136.57 147.99 278.40 216.54 216.06
Asset Turnover
 0.25 0.26 0.32 0.28 0.29
Working Capital Turnover Ratio
 243.48 -31.99 109.85 -115.47 1.46K
Cash Conversion Cycle
 0.00 -43.86 -96.25 -179.97 -382.47
Days of Sales Outstanding
 0.00 19.43 16.68 17.46 17.42
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 63.30 112.93 197.43 399.88
Operating Cycle
 0.00 19.43 16.68 17.46 17.42
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 72.44 49.86 32.26 29.06
Free Cash Flow Per Share
 0.00 71.04 49.23 31.85 28.79
CapEx Per Share
 0.00 1.40 0.63 0.41 0.28
Free Cash Flow to Operating Cash Flow
 0.00 0.98 0.99 0.99 0.99
Dividend Paid and CapEx Coverage Ratio
 0.00 19.50 17.49 14.14 11.76
Capital Expenditure Coverage Ratio
 0.00 51.87 78.86 78.60 104.92
Operating Cash Flow Coverage Ratio
 0.00 5.29 11.29 7.25 9.90
Operating Cash Flow to Sales Ratio
 0.00 0.17 0.11 0.10 0.09
Free Cash Flow Yield
0.00%10.25%7.76%6.38%5.35%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 68.90 82.39 86.71 77.85 82.93
Price-to-Sales (P/S) Ratio
 1.34 1.66 1.42 1.52 1.63
Price-to-Book (P/B) Ratio
 7.40 9.24 9.31 8.20 7.05
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 9.75 12.89 15.68 18.70
Price-to-Operating Cash Flow Ratio
 0.00 9.57 12.73 15.48 18.52
Price-to-Earnings Growth (PEG) Ratio
 -303.15 5.53 6.11 -63.16 -22.36
Price-to-Fair Value
 7.40 9.24 9.31 8.20 7.05
Enterprise Value Multiple
 67.83 70.78 76.84 72.25 75.30
Enterprise Value
 1.33T 1.50T 1.35T 1.06T 1.09T
EV to EBITDA
 67.83 70.78 76.84 72.25 75.30
EV to Sales
 1.37 1.67 1.41 1.51 1.62
EV to Free Cash Flow
 0.00 9.83 12.78 15.64 18.56
EV to Operating Cash Flow
 0.00 9.64 12.62 15.44 18.39
Tangible Book Value Per Share
 81.65 74.78 67.85 60.62 48.62
Shareholders’ Equity Per Share
 81.65 75.03 68.20 60.89 76.36
Tax and Other Ratios
Effective Tax Rate
 0.03 0.04 >-0.01 -0.07 -0.02
Revenue Per Share
 449.84 418.31 445.61 329.19 329.84
Net Income Per Share
 8.77 8.41 7.32 6.41 6.49
Tax Burden
 0.97 0.96 1.00 1.07 1.02
Interest Burden
 1.00 0.93 0.93 0.92 0.93
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.01 0.07 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
Income Quality
 0.00 8.61 6.81 5.03 4.48
Currency in INR