HDFC Life Insurance Company Limited
Fundamental Score
HDFC Life Insurance Company Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of HDFCLIFE across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Consistent Growth Track Record (25.90% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Conservative Debt Levels (D/E: 0.14)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Cash Generation (₹48213.75 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (50.25%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Strong Institutional Confidence (FII+DII: 39.41%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Suboptimal ROCE (6.58%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Margin Pressure Concerns (0.93%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Premium Valuation Risk (P/E: 87.32x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Revenue Contraction (-27.53%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Weak Earnings Growth (3.76% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Financial Statements
Comprehensive financial data for HDFC Life Insurance Company Limited
About HDFCLIFE
Business Overview
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, investment, and life 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. HDFC Life Insurance Company Limited was incorporated in 2000 and is headquartered in Mumbai, India. HDFC Life Insurance Company Limited operates as a subsidiary of HDFC Bank Limited.
Company Details
Key Leadership
Corporate Events
Latest News
HDFCLIFE Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of HDFC Life Insurance Company Limited (HDFCLIFE)?
As of 29 Jan 2026, 10:35 am IST, HDFC Life Insurance Company Limited (HDFCLIFE) is currently trading at ₹727.10. The stock has a market capitalization of ₹1.65L (Cr).
Is HDFCLIFE share price Overvalued or Undervalued?
HDFCLIFE is currently trading at a P/E ratio of 87.32x, compared to the industry average of 83.91x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the HDFC Life Insurance Company Limited share price?
Key factors influencing HDFCLIFE's price include its quarterly earnings growth (Sales Growth: -27.53%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is HDFC Life Insurance Company Limited a good stock for long-term investment?
HDFC Life Insurance Company Limited shows a 5-year Profit Growth of 5.10% and an ROE of 10.80%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.14 before investing.
How does HDFC Life Insurance Company Limited compare with its industry peers?
HDFC Life Insurance Company Limited competes with major peers in the Life Insurance. Investors should compare HDFCLIFE's P/E of 87.32x and ROE of 10.80% against the industry averages to determine its competitive standing.
What is the P/E ratio of HDFCLIFE and what does it mean?
HDFCLIFE has a P/E ratio of 87.32x compared to the industry average of 83.91x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹87 for every ₹1 of annual earnings.
How is HDFCLIFE performing according to Bull Run's analysis?
HDFCLIFE has a Bull Run fundamental score of 40.7/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does HDFCLIFE belong to?
HDFCLIFE operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting HDFC Life Insurance Company Limited.
What is Return on Equity (ROE) and why is it important for HDFCLIFE?
HDFCLIFE has an ROE of 10.80%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently HDFC Life Insurance Company Limited generates profits from shareholders' equity.
How is HDFCLIFE's debt-to-equity ratio and what does it indicate?
HDFCLIFE has a debt-to-equity ratio of 0.14, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is HDFCLIFE's dividend yield and is it a good dividend stock?
HDFCLIFE offers a dividend yield of 0.27%, which means you receive ₹0.27 annual dividend for every ₹100 invested.
How has HDFCLIFE grown over the past 5 years?
HDFCLIFE has achieved 5-year growth rates of: Sales Growth 25.90%, Profit Growth 5.10%, and EPS Growth 3.76%.
What is the promoter holding in HDFCLIFE and why does it matter?
Promoters hold 50.25% of HDFCLIFE shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is HDFCLIFE's market capitalization category?
HDFCLIFE has a market capitalization of ₹165333 crores, placing it in the Large-cap category.
How volatile is HDFCLIFE stock?
HDFCLIFE has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for HDFCLIFE?
HDFCLIFE has a 52-week high of ₹N/A and low of ₹N/A.
What is HDFCLIFE's operating profit margin trend?
HDFCLIFE has a 5-year average Operating Profit Margin (OPM) of 0.93%, indicating the company's operational efficiency.
How is HDFCLIFE's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -27.53% and YoY Profit Growth of 3.01%.
What is the institutional holding pattern in HDFCLIFE?
HDFCLIFE has FII holding of 24.82% and DII holding of 14.59%. Significant institutional holding often suggests professional confidence in the stock.