HDFCLIFE

HDFC Life Insurance Company Ltd.

NSE: HDFCLIFE

BSE: 540777

Sector: Financial Services

Industry Group: Insurance

Industry: Life Insurance

571.20-0.2 (-0.03%)

3 Jul, 9:59 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

68.0 / 100

Value Score

45.2 / 100

Price Momentum Score

26.6 / 100

QVM Score

40.1 / 100

Key Metrics

Market Cap

1,24,094 Cr

P/E (TTM)

64.89

P/B

6.99

P/S (TTM)

1.24

EV/EBITDA

62.92

CAPE (5Y)

76.21

ROE (TTM)

11.28

ROCE (TTM)

9.96

ROA (TTM)

0.52

Avg 3Y ROE

11.47

Earnings 3Y CAGR

11.42

Sales 3Y CAGR

11.71

Sales 5Y CAGR

6.77

Debt/Equity

0.17

Consensus TP

760.00

Strong Buy %

48.57

Promoter Holding

50.21

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of HDFC Life Insurance Company Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Low Debt to Equity, not much change from last year

The company has low Debt to Equity of 0.17 as on 31 Mar 2026 and Debt to Equity decreased marginally by 0.01 in the last 1 year

What is Debt to Equity?

Consistently pays dividend

The company has not missed dividend payments once in the last 5 financial years

What is Dividend streak?

Negative

Expensive and at same valuation levels as industry median P/B

PB of 6.99 indicates that the stock is expensive on a standalone basis. Discount to industry median P/B is modest at -9.1%

What is P/B Ratio?

Median: 7.69

Value 6.99

3.0810.57

Weak price momentum

Price Momentum score of 26.6 indicates that the stock has weak price momentum. Research has shown that stocks with lower momentum continue to underperform in the near term

What is Price Momentum score?

26.6 / 100

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -0.62% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Low and declining operating margin

The company reported low operating margin of 1.99% for 12-month ended 31 Mar 2026 and operating margin declined by -415 bps from 1 year ago

What is Operating profit margin?

Low revenue growth and in line with median growth of industry

The company delivered low revenue growth of 2.67% for 12-month ended 31 Mar 2026 and the growth was 1.53 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 1.14

Value 2.67

-10.549.62

Low EPS growth and in line with median growth of industry

The company delivered low EPS growth of 5.52% for 12-month ended 31 Mar 2026 and the growth was 1.25 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.37%

What is Dividend yield?

Neutral

Moderate and stable ROE

The company reported moderate ROE of 11.28% for 12-month ended 31 Mar 2026 and ROE declined marginally by -46 bps from 1 year ago

What is ROE (FY)?

Financial Snapshot

See detailed analysis

Multi-year trends for HDFC Life Insurance Company Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

HDFC Life Insurance Company Ltd. Shareholding Pattern

Quarterly breakdown of HDFC Life Insurance Company Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	63.69	60.41	60.40	58.87	58.86	53.84	53.81	53.77	51.53	51.52	50.32	50.32	50.31	50.33	50.39	50.37	50.37	50.37	50.34	50.32	50.32	50.28	50.25	50.21	50.21
Indian Promoter	51.44	50.14	50.14	49.99	49.97	49.95	49.92	49.88	47.81	47.79	48.66	48.66	48.65	50.33	50.39	50.37	50.37	50.37	50.34	50.32	50.32	50.28	50.25	50.21	50.21
Foreign Promoter	12.25	10.27	10.27	8.89	8.88	3.89	3.89	3.89	3.72	3.72	1.66	1.66	1.66	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	27.15	30.84	30.72	31.94	31.92	31.93	36.79	36.53	34.12	34.58	35.68	36.14	36.29	37.05	37.40	37.86	37.97	37.87	38.87	38.87	39.04	39.33	39.40	39.50	39.77
Mutual Funds / UTI	4.45	5.40	5.26	5.01	4.28	3.83	4.65	4.27	5.65	4.82	4.76	4.05	4.09	4.01	4.66	4.46	5.77	9.31	10.63	11.02	11.32	11.78	11.94	12.73	14.54
FI/Bank/Insurance	0.83	1.11	1.11	1.24	1.09	1.23	1.18	1.22	1.55	1.52	1.56	1.40	1.90	1.63	1.56	1.43	1.54	1.67	2.35	2.29	2.27	2.23	1.97	1.83	1.70
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	21.07	23.55	23.44	24.85	25.67	26.06	30.12	30.45	26.31	27.66	28.81	30.15	29.85	30.89	30.53	31.29	30.03	26.63	25.63	25.14	24.95	24.75	24.82	24.27	22.52
Other Institutions	0.80	0.79	0.92	0.85	0.88	0.80	1.13	0.93	0.95	0.92	0.56	0.53	0.43	0.52	0.65	0.67	0.62	0.26	0.27	0.41	0.51	0.56	0.68	0.67	1.01
Non-Institution	9.16	8.75	8.88	9.19	9.23	14.24	9.40	9.70	14.35	13.91	14.00	13.55	13.40	12.62	12.22	11.78	11.66	11.76	10.80	10.81	10.63	10.39	10.35	10.30	10.03
Bodies Corporate	1.13	0.92	0.80	0.81	0.80	0.66	0.66	0.71	4.92	4.91	4.88	4.80	4.84	4.80	4.76	4.68	4.62	4.61	4.60	4.58	4.53	4.55	4.57	4.57	4.48
Others (incl. Retail) No. of shareholders	8.03 5,27,869	7.83 5,45,046	8.08 6,08,799	8.38 6,69,857	8.43 7,38,614	13.58 8,04,513	8.74 8,52,220	8.99 9,10,944	9.43 10,29,718	9.00 9,94,376	9.12 10,30,691	8.75 9,88,649	8.56 10,01,477	7.82 9,21,894	7.46 8,71,876	7.10 8,41,042	7.04 8,55,242	7.15 8,88,938	6.20 7,80,630	6.23 7,88,256	6.10 7,68,804	5.84 7,35,368	5.78 7,23,689	5.73 7,04,011	5.55 6,88,805

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	Nifty Alpha Low Vol 30	2.78%	28 / 30
2	Nifty Financial Services	2.12%	13 / 20
3	Nifty 50 Equal Weight	1.83%	42 / 50
4	Nifty 100 Equal Weight	0.9%	78 / 100
5	Nifty 50	0.59%	49 / 50
6	Nifty 100	0.48%	58 / 100
7	Nifty 500	0.33%	62 / 499
8	Nifty Total Market	0.32%	63 / 749
9	NIFTY Large Midcap 250	0.23%	148 / 250

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in HDFC Life Insurance Company Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
VIBHA PADALKAR Director	September-2023	Market Sale (Disposal) 12th Sep 2023	0.05 %	₹ 669.03	50.00 k	₹ 3.35 cr
KEKI MISTRY Director	September-2023	Market Sale (Disposal) 11th Sep 2023	0.04 %	₹ 666.14	80.00 k	₹ 5.33 cr
KEKI MISTRY Director	September-2023	Market Sale (Disposal) 8th Sep 2023	0.04 %	₹ 659.50	10.00 k	₹ 65.95 lac
Housing Development Finance Corporation Limited Promoter	June-2023	Market Purchase (Acquisition) 30th Jun 2023	50.33 %	₹ 646.32	13.60 lac	₹ 87.90 cr
Housing Development Finance Corporation Limited Promoter	June-2023	Market Purchase (Acquisition) 28th Jun 2023	49.40 %	₹ 671.41	2.00 cr	₹ 1342.82 cr
Housing Development Finance Corporation Limited Promoter	June-2023	Market Purchase (Acquisition) 27th Jun 2023	48.65 %	₹ 628.39	12.22 lac	₹ 76.80 cr
Housing Development Finance Corporation Limited Promoter	June-2023	Market Purchase (Acquisition) 27th Jun 2023	48.70 %	₹ 667.05	1.50 cr	₹ 1000.57 cr
ESHWARI MURUGAN Designated Person	June-2023	Market Sale (Disposal) 19th Jun 2023	0.01 %	₹ 585.00	100.00	₹ 58.50 k
ESHWARI MURUGAN Designated Person	June-2023	Market Sale (Disposal) 19th Jun 2023	0.01 %	₹ 588.50	200.00	₹ 1.18 lac
ESHWARI MURUGAN Designated Person	June-2023	Market Sale (Disposal) 19th Jun 2023	0.01 %	₹ 589.50	100.00	₹ 58.95 k

…

Corporate Actions

History of HDFC Life Insurance Company Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 2.10/share
Record date: 19th Jun 2026Ex-date: 19th Jun 2026
Announced on: 16th Apr 2026
Dividend₹ 2.10/share
Record date: 20th Jun 2025Ex-date: 20th Jun 2025
Announced on: 17th Apr 2025
Dividend₹ 2/share
Record date: 21st Jun 2024Ex-date: 21st Jun 2024
Announced on: 18th Apr 2024
Dividend₹ 1.90/share
Record date: 16th Jun 2023Ex-date: 16th Jun 2023
Announced on: 26th Apr 2023
Dividend₹ 1.70/share
Record date: 1st Jun 2022Ex-date: 31st May 2022
Announced on: 26th Apr 2022

Company Profile

Overview of HDFC Life Insurance Company Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

HDFC Life Insurance Company Ltd is an India-based life insurance company. The Company provides a range of individual and group insurance solutions across India. The portfolio consists of various insurance and investment products such as protection, pension, savings, investment, annuity, and health. ...

Key personnel

Mr. Sameer Yogishwar

Chief Operating Officer

Mr. Vijay Vaidyanathan

Chief Human Resources Officer

Mr. Prasun Gajri

Chief Investment Officer, Chief Strategy Officer

Mr. Nagesh Pai

Compliance Officer, Company Secretary

Mr. Khushru Sidhwa

Chief Risk Officer

Ms. Eshwari Murugan

Appointed Actuary

Mr. Keki Minoo MistryD

Non-Executive Chairman of the Board

Ms. Vibha U. PadalkarD

Chief Executive Officer, Managing Director, Executive Director

View all

Incorporated on

14 Aug 2000

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

38,291

IPO date

17 Nov 2017

Free Float

96,49,77,776

Website

https://www.hdfclife.com

Phone no.

+912267516666

Address

13TH FLOOR, LODHA EXCELUS, APOLLO MILLS COMPOUND, N.M. JOSHI MARG,, MAHALAXMI, , 400011, India

Frequently Asked Questions

What is the current share price of HDFC Life Insurance Company Ltd.?

The current share price of HDFC Life Insurance Company Ltd. is ₹ 571.20 as of 3 Jul 2026.

What is the market capitalisation of HDFC Life Insurance Company Ltd.?

The market capitalisation of HDFC Life Insurance Company Ltd. stands at ₹ 1,24,094.00 Cr.

What is the PE ratio of HDFC Life Insurance Company Ltd.?

The Price-to-Earnings (PE) ratio of HDFC Life Insurance Company Ltd. is 64.89 as of the latest trailing twelve months data.

What is the ROE and ROCE of HDFC Life Insurance Company Ltd.?

HDFC Life Insurance Company Ltd. has a Return on Equity (ROE) of 11.28% and a Return on Capital Employed (ROCE) of 9.96% as per the latest financial reports.

What is the 52-week high and low of HDFC Life Insurance Company Ltd.?

The 52-week high of HDFC Life Insurance Company Ltd. is - and the 52-week low is -.

What is the dividend yield of HDFC Life Insurance Company Ltd.?

The dividend yield of HDFC Life Insurance Company Ltd. is 0.37% based on the current market price.

What is the FII and DII holding in HDFC Life Insurance Company Ltd.?

Foreign Institutional Investors (FII) hold 22.52%, Domestic Institutional Investors (DII) hold 16.24% and retail/public investors hold 5.55% of HDFC Life Insurance Company Ltd. shares.

What sector does HDFC Life Insurance Company Ltd. belong to?

HDFC Life Insurance Company Ltd. operates in the Financial Services sector. 91.43% of analysts have a Buy or Strong Buy rating on HDFC Life Insurance Company Ltd. with a consensus target price of ₹ 760.00, implying 33.02% upside from current levels.

What is the beta of HDFC Life Insurance Company Ltd.?

The beta of HDFC Life Insurance Company Ltd. is 0.87, indicating its price volatility relative to the broader market. Over the past 1 year, HDFC Life Insurance Company Ltd. has delivered an absolute return of -26.72%.

What is the RSI of HDFC Life Insurance Company Ltd.?

The 14-day Relative Strength Index (RSI) of HDFC Life Insurance Company Ltd. is 42.14, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

HDFC Life Insurance Company Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

HDFC Life Insurance Company Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Corporate Actions

Company Profile