HDFC Life Insurance Co. Ltd. (HDFCLIFE) AI Stock Analysis

• Market Cap: ₹1.60T
• Dividend Yield: 0.29%
• Average Volume (3M): 78.62K
• Price to Earnings (P/E): 84.5
• Beta (1Y): 0.76
• Revenue Growth: -17.31%
• EPS Growth: 11.68%
• Country: IN
• Employees: 32,486
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 2.08
• Shares Outstanding: 2,156,086,400
• 10 Day Avg. Volume: 91,746
• 30 Day Avg. Volume: 78,621
• PEG Ratio: 5.53
• Price to Book (P/B): 9.24
• Price to Sales (P/S): 1.48
• P/FCF Ratio: 9.75
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹915.00
• Price Target Upside: 22.15% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: ₹815.00 ▲(8.80% Upside)

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.

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, 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.

How the Company Makes Money

HDFC 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 Co. Ltd. shows robust financial health with steady 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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	994.64B	1.01T	888.47B	756.86B	674.43B	717.84B
Gross Profit	994.64B	971.83B	1.02T	707.71B	674.43B	717.84B
EBITDA	19.42B	21.24B	11.36B	14.71B	16.09B	17.25B
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

• Technical Analysis Sentiment: Positive
• Last Price: 749.05
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HDFCLIFE, the sentiment is Positive. The current price of 749.05 is above the 20-day moving average (MA) of 744.66, below the 50-day MA of 759.44, and above the 200-day MA of 723.80, indicating a neutral trend. The MACD of -5.05 indicates Negative momentum. The RSI at 50.12 is Neutral, neither overbought nor oversold. The STOCH value of 39.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:HDFCLIFE.

HDFC Life Insurance Co. Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ICICIGI	72 Outperform	₹1.02T	36.12	―	0.67%	14.43%	25.13%
HDFCLIFE	68 Neutral	₹1.60T	84.48	―	0.29%	-17.31%	11.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MFSL	58 Neutral	₹549.61B	202.85	―	―	-3.50%	-28.98%
ICICIPRULI	55 Neutral	₹878.79B	67.19	―	0.14%	-42.13%	48.75%

HDFC Life Insurance Co. Ltd. Corporate Events

HDFC Life Releases Earnings Call Transcript for Q2 2025

HDFC Life Insurance Company Limited has released the transcript of its earnings conference call for the quarter and half-year ending September 30, 2025. The conference call, held on October 15, 2025, discussed the company’s financial results and is available on their website for stakeholders and investors to review.

HDFC Life Announces H1 FY26 Earnings Call

HDFC Life Insurance Company Limited has announced an upcoming earnings conference call scheduled for October 15, 2025, to discuss its financial performance for the first half of the fiscal year 2026. This call is an opportunity for analysts and investors to gain insights into the company’s financial health and strategic direction, potentially impacting stakeholder perceptions and market positioning.

HDFC Life to Engage with Investors at Upcoming Virtual Conference

HDFC Life Insurance Company Limited announced its participation in the Investec: USA India CXO Virtual Conference scheduled for September 23, 2025. This interaction with investors and analysts signifies the company’s proactive approach in engaging with stakeholders, potentially impacting its market perception and investor relations.

HDFC Life Schedules Investor and Analyst Meetings for September 2025

HDFC Life Insurance Company Limited has announced a series of investor and analyst meetings scheduled for September 2025. These meetings, taking place both in-person and virtually, aim to engage with stakeholders and provide insights into the company’s operations and strategies. Such interactions are crucial for maintaining transparency and fostering investor confidence, potentially impacting the company’s market perception and stakeholder relations.