HDFC Life Insurance Co. Ltd. (IN:HDFCLIFE)
:HDFCLIFE
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HDFC Life Insurance Co. Ltd.
(HDFCLIFE)
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Rating:68Neutral
Price Target:
₹645.00
▼(-0.42% Downside)
Action:ReiteratedDate:10/31/25
HDFC Life Insurance Co. Ltd. demonstrates strong financial performance with robust cash flow and profitability, which are the most significant factors supporting its stock score. However, technical indicators suggest a bearish trend, and the high P/E ratio indicates potential overvaluation, which are notable risks.
Positive Factors
Cash generation
HDFC 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.
Negative Factors
Low equity ratio
An 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
HDFC 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.
Read all positive factors
HDFC Life Insurance Co. Ltd. (HDFCLIFE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.29T
Dividend Yield0.28%
Average Volume (3M)78.62K
Price to Earnings (P/E)96.6
Beta (1Y)0.86
Revenue Growth-17.31%
EPS Growth11.68%
CountryIN
Employees32,486
SectorFinancial
Sector Strength70
IndustryInsurance - Life
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
HDFC Life Insurance Co. Ltd. Business Overview & Revenue Model
Company Description
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, invest...
How the Company Makes Money
HDFC Life primarily makes money by writing life insurance policies and investing the funds it holds to meet future policyholder obligations. Key revenue and earnings drivers typically include: (1) Premiums and policy charges: Customers pay premium...
HDFC Life Insurance Co. Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
76
Positive
Cash Flow
89
Very Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 926.08B | 900.69B | 958.23B | 702.46B | 674.43B | 717.84B |
| Gross Profit | 844.82B | 822.23B | 905.60B | 673.55B | 654.34B | 700.71B |
| EBITDA | 19.42B | 21.24B | 17.60B | 14.71B | 14.51B | 14.77B |
| Net Income | 18.80B | 18.11B | 15.74B | 13.68B | 13.27B | 13.61B |
Balance Sheet | ||||||
| Total Assets | 3.66T | 3.49T | 3.03T | 2.48T | 2.31T | 1.80T |
| Cash, Cash Equivalents and Short-Term Investments | 5.67B | 76.14B | 29.27B | 11.69B | 32.26B | 34.75B |
| Total Debt | 29.50B | 29.50B | 9.50B | 9.50B | 6.00B | 6.00B |
| Total Liabilities | 3.49T | 3.33T | 2.88T | 2.35T | 2.15T | 1.71T |
| Stockholders Equity | 170.13B | 161.55B | 146.66B | 129.93B | 156.13B | 86.40B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 152.96B | 105.85B | 67.96B | 58.86B | 96.42B |
| Operating Cash Flow | 0.00 | 155.97B | 107.21B | 68.83B | 59.43B | 97.03B |
| Investing Cash Flow | 0.00 | -136.38B | -136.17B | -100.87B | -8.07B | -89.46B |
| Financing Cash Flow | 0.00 | 16.07B | -4.03B | 19.85B | -2.38B | 6.78B |
HDFC Life Insurance Co. Ltd. Technical Analysis
Negative
647.75
Price Trends
675.12
Negative
717.65
Negative
741.64
Negative
Market Momentum
-28.76
Negative
38.69
Neutral
47.99
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HDFCLIFE, the sentiment is Negative. The current price of 647.75 is above the 20-day moving average (MA) of 615.25, below the 50-day MA of 675.12, and below the 200-day MA of 741.64, indicating a bearish trend. The MACD of -28.76 indicates Negative momentum. The RSI at 38.69 is Neutral, neither overbought nor oversold. The STOCH value of 47.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:HDFCLIFE.
HDFC Life Insurance Co. Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹872.91B | 37.02 | ― | 0.69% | 14.43% | 25.13% | |
71 Outperform | ₹5.02T | 10.45 | ― | 1.40% | ― | ― | |
68 Neutral | ₹1.29T | 96.63 | ― | 0.28% | -17.31% | 11.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹1.91T | 88.47 | ― | 0.13% | ― | ― | |
59 Neutral | ₹548.09B | 390.61 | ― | ― | -16.19% | -53.19% | |
55 Neutral | ₹784.93B | 61.88 | ― | 0.13% | -42.13% | 48.75% |
* Financial Sector Average
IN:HDFCLIFE
HDFC Life Insurance Co. Ltd.
591.00
-92.46
-13.53%
IN:ICICIGI
ICICI Lombard General Insurance Co. Ltd.
1,768.25
61.86
3.63%
IN:ICICIPRULI
ICICI Prudential Life Insurance Co. Ltd.
541.95
-10.42
-1.89%
IN:LICI
Life Insurance Corp. of India
793.60
32.53
4.27%
IN:MFSL
Max Financial Services Limited
1,605.95
443.50
38.15%
IN:SBILIFE
SBI Life Insurance Co. Ltd.
1,903.60
424.11
28.67%
HDFC Life Insurance Co. Ltd. Corporate Events
HDFC Life Sets April 16 Earnings Call for FY26 Results
Apr 7, 2026
HDFC Life Insurance Company Limited, a major player in India’s life insurance sector with listings on NSE and BSE, provides protection and savings products to individuals and institutions across the country. The insurer leverages multiple ch...
HDFC Life Schedules Investor Interactions at Morgan Stanley India Financials Seminar
Mar 9, 2026
HDFC Life Insurance Company has notified the exchanges that its senior management will participate in the Morgan Stanley Virtual India Financials Seminar, scheduled for March 19, 2026, in Mumbai, to interact with analysts and institutional investo...
HDFC Life Grants Stock Options Under 2022 Employee Scheme
Mar 8, 2026
HDFC Life Insurance has granted 10,000 equity stock options under its Employee Stock Option Scheme 2022, with each option carrying a face value of Rs. 10 and a grant price of Rs. 668.55, convertible into one equity share upon vesting and exercise....
HDFC Life Elevates Veteran Executive Vijay Vaidyanathan to Chief Human Resource Officer Role
Mar 8, 2026
HDFC Life has appointed long-time executive Vijay Vaidyanathan as Chief Human Resource Officer, effective April 1, 2026, following approval by the board based on the Nomination and Remuneration Committee’s recommendation. Vaidyanathan, who j...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.