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HDFC Life Insurance Co. Ltd. (IN:HDFCLIFE)
:HDFCLIFE
India Market
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HDFC Life Insurance Co. Ltd. (HDFCLIFE) AI Stock Analysis

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IN:HDFCLIFE

HDFC Life Insurance Co. Ltd.

(HDFCLIFE)

Rating:62Neutral
Price Target:
₹799.00
▲(5.16% Upside)
HDFC Life Insurance's overall stock score is driven primarily by its strong financial performance, characterized by robust cash flow and profitability. However, the high valuation and weak technical indicators weigh down the score. The absence of earnings call data and corporate events means these factors do not influence the score.

HDFC Life Insurance Co. Ltd. (HDFCLIFE) vs. iShares MSCI India ETF (INDA)

HDFC Life Insurance Co. Ltd. Business Overview & Revenue Model

Company DescriptionHDFC Life Insurance Co. Ltd. (HDFCLIFE) is one of India's leading life insurance companies, offering a wide range of individual and group life insurance solutions. Founded in 2000, the company operates in the financial services sector, providing products such as term insurance, pension plans, savings and investment plans, health insurance, and annuity plans. HDFC Life is a joint venture between Housing Development Finance Corporation Limited (HDFC Ltd.), India's leading housing finance institution, and Standard Life Aberdeen, a global investment company.
How the Company Makes MoneyHDFC Life Insurance Co. Ltd. generates revenue primarily through the sale of life insurance policies. The company's main revenue streams include premium income from policyholders and investment income. Premium income is generated from the various life insurance products offered, including term plans, savings and investment plans, and pension plans. These premiums are paid by individuals and groups seeking financial protection and investment opportunities. The company also earns investment income by investing the premiums collected into various financial instruments such as equities, bonds, and other securities, which provides returns to the company. Additionally, HDFC Life benefits from bancassurance partnerships and a widespread network of agents and brokers, which help in distributing its insurance products to a larger customer base. The company's earnings are further influenced by factors such as policy lapses, claim ratios, and operational efficiencies.

HDFC Life Insurance Co. Ltd. Financial Statement Overview

Summary
HDFC Life Insurance exhibits robust financial health with stable revenue growth, improved profitability, and strong cash flow generation. The company maintains a moderate leverage position, which should be monitored, but its operational efficiency and cash management strategies position it well for future growth.
Income Statement
82
Very Positive
HDFC Life Insurance exhibited stable revenue growth with a slight decline of 0.67% in the latest year compared to the previous year, while maintaining a strong gross profit margin. The net profit margin improved to 17.95%, showing enhanced profitability. EBIT and EBITDA margins indicate efficient operational management, with EBITDA margin at 21.04% in the latest year.
Balance Sheet
76
Positive
The balance sheet shows a solid equity base with a healthy equity ratio of 4.62%. However, there is a relatively high debt-to-equity ratio of 0.18, suggesting moderate leverage. The return on equity improved to 11.21%, reflecting better utilization of equity for generating profits.
Cash Flow
89
Very Positive
HDFC Life Insurance demonstrated impressive cash flow management with a significant free cash flow increase of 44.54% in the latest year. The operating cash flow to net income ratio of 8.61 indicates strong cash generation from operations relative to net income, enhancing financial flexibility.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue969.25B1.01T888.47B756.86B674.43B717.84B
Gross Profit969.25B971.83B1.02T707.71B674.43B717.84B
EBITDA18.78B21.24B11.36B14.71B16.09B17.25B
Net Income18.11B18.11B15.74B13.68B13.27B13.61B
Balance Sheet
Total Assets3.49T3.49T3.03T2.48T2.31T1.80T
Cash, Cash Equivalents and Short-Term Investments76.14B76.14B29.27B11.69B32.26B34.75B
Total Debt29.50B29.50B9.50B9.50B6.00B6.00B
Total Liabilities3.33T3.33T2.88T2.35T2.15T1.71T
Stockholders Equity161.55B161.55B146.66B129.93B156.13B86.40B
Cash Flow
Free Cash Flow0.00152.96B105.85B67.96B58.86B96.42B
Operating Cash Flow0.00155.97B107.21B68.83B59.43B97.03B
Investing Cash Flow0.00-136.38B-136.17B-100.87B-8.07B-89.46B
Financing Cash Flow0.0016.07B-4.03B19.85B-2.38B6.78B

HDFC Life Insurance Co. Ltd. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price759.80
Price Trends
50DMA
772.13
Negative
100DMA
759.12
Positive
200DMA
698.18
Positive
Market Momentum
MACD
0.44
Positive
RSI
42.34
Neutral
STOCH
15.20
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HDFCLIFE, the sentiment is Neutral. The current price of 759.8 is below the 20-day moving average (MA) of 777.21, below the 50-day MA of 772.13, and above the 200-day MA of 698.18, indicating a neutral trend. The MACD of 0.44 indicates Positive momentum. The RSI at 42.34 is Neutral, neither overbought nor oversold. The STOCH value of 15.20 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:HDFCLIFE.

HDFC Life Insurance Co. Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
68
Neutral
₹931.05B33.80
0.67%15.68%26.12%
65
Neutral
₹540.62B199.53
-3.50%-28.98%
62
Neutral
₹1.63T88.97
0.28%-5.42%14.77%
56
Neutral
₹867.49B69.74
0.14%-23.85%44.83%
₹5.55T11.30
1.37%
₹1.79T72.92
0.15%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:HDFCLIFE
HDFC Life Insurance Co. Ltd.
759.80
23.74
3.23%
IN:ICICIGI
ICICI Lombard General Insurance Co. Ltd.
1,872.40
-380.59
-16.89%
IN:ICICIPRULI
ICICI Prudential Life Insurance Co. Ltd.
597.45
-152.46
-20.33%
IN:LICI
Life Insurance Corp. of India
876.85
-148.32
-14.47%
IN:MFSL
Max Financial Services Limited
1,578.80
458.05
40.87%
IN:SBILIFE
SBI Life Insurance Co. Ltd.
1,805.80
-87.84
-4.64%
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.Date of analysis: Sep 05, 2025