HDFCLIFE
HDFC Life Insurance Company Limited (HDFCLIFE) Stock Analysis
HDFC Life Insurance Company Limited is a leading Indian life insurer selling protection and savings products. It distributes policies through bancassurance, agents, and digital channels. The company is part of the HDFC ecosystem. It is listed on Indian stock exchanges.
Financial Services › Insurance - Life
₹553.00
-0.66% 1W | -25.90% 52W
Market Cap
120.1k CR
P/E Ratio
58.4
52W High
₹788.5
52W Low
₹508.7
Div. Yield
0.38%
Beta
0.5
50 DMA
₹540.5
200 DMA
₹604.3
Profit Margin
1.9%
Inst. Own.
29.4%
🔥 APPROACHING RESISTANCE
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 23,371 | 23,142 | 26,927 | 28,041 | 26,934 | 28,497 | 17,300 | 24,191 | 29,463 | 20,651 | 29,428 | 19,890 | 33,759 |
| Expenses | 23,045 | 23,557 | 26,663 | 27,766 | 26,623 | 28,807 | 16,852 | 23,814 | 29,024 | 20,336 | 29,157 | 19,782 | 33,253 |
| Operating Profit | 326 | -415 | 264 | 275 | 311 | -310 | 448 | 377 | 439 | 315 | 271 | 108 | 506 |
| OPM % | 1.4% | -1.8% | 1.0% | 1.0% | 1.2% | -1.1% | 2.6% | 1.6% | 1.5% | 1.5% | 0.9% | 0.6% | 1.5% |
| Other Income | 114 | 136 | 103 | 174 | 90 | 279 | -29 | 124 | 164 | 157 | 174 | 428 | 171 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 440 | -279 | 367 | 450 | 401 | -30 | 419 | 500 | 604 | 471 | 445 | 537 | 677 |
| Tax % | 5% | -235% | -0% | 8% | -20% | -1,541% | -1% | 5% | 9% | 5% | 6% | 7% | 10% |
| Net Profit | 417 | 378 | 368 | 412 | 479 | 435 | 421 | 475 | 548 | 448 | 418 | 497 | 611 |
| EPS in Rs | 1.94 | 1.76 | 1.71 | 1.91 | 2.23 | 2.02 | 1.96 | 2.21 | 2.54 | 2.08 | 1.94 | 2.31 | 2.81 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 27,215 | 18,141 | 30,647 | 32,260 | 38,855 | 29,380 | 71,528 | 67,126 | 70,207 | 101,482 | 96,922 | 99,432 | 103,727 |
| Expenses | 26,341 | 17,187 | 29,674 | 31,186 | 37,640 | 28,239 | 70,294 | 66,348 | 70,127 | 100,836 | 95,894 | 97,679 | 102,527 |
| Operating Profit | 874 | 953 | 972 | 1,074 | 1,215 | 1,141 | 1,235 | 778 | 80 | 646 | 1,028 | 1,753 | 1,200 |
| OPM % | 3.2% | 5% | 3.2% | 3.3% | 3.1% | 3.9% | 1.7% | 1.2% | 0.1% | 0.6% | 1.1% | 1.8% | 1.2% |
| Other Income | 79 | 108 | 139 | 282 | 136 | 369 | 445 | 766 | 1,437 | 410 | 366 | 465 | 931 |
| Interest | -14 | 8 | 9 | 11 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 43 | 45 | 41 | 44 | 45 | 47 | 51 | 56 | 76 | 79 | 104 | 161 | 0 |
| Profit before tax | 924 | 1,008 | 1,061 | 1,300 | 1,291 | 1,463 | 1,629 | 1,487 | 1,441 | 977 | 1,290 | 2,057 | 2,130 |
| Tax % | 15% | 19% | 16% | 15% | 1% | 11% | 16% | 11% | 5% | -61% | -40% | 7% | |
| Net Profit | 786 | 817 | 887 | 1,107 | 1,278 | 1,297 | 1,361 | 1,327 | 1,368 | 1,574 | 1,811 | 1,912 | 1,975 |
| EPS in Rs | 3.94 | 4.09 | 4.44 | 5.50 | 6.33 | 6.43 | 6.73 | 6.28 | 6.37 | 7.32 | 8.41 | 8.86 | 9.14 |
| Dividend Payout % | 18% | 22% | 25% | 25% | 26% | 0% | 30% | 27% | 30% | 27% | 25% | 24% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 12.0% | 7.0% | 19.0% |
| Profit CAGR | 12.0% | 7.0% | 9.0% |
Shareholding Pattern
Promoters50.28%
FIIs24.75%
DIIs14.57%
Public10.37%
Promoters50.25%
FIIs24.82%
DIIs14.59%
Public10.32%
Promoters50.21%
FIIs24.27%
DIIs15.23%
Public10.25%
Promoters50.21%
FIIs22.52%
DIIs17.25%
Public10.00%
Promoters50.54%
FIIs19.27%
DIIs20.19%
Public9.98%
Promoters50.31%
FIIs29.85%
DIIs6.42%
Public13.36%
Promoters50.37%
FIIs30.03%
DIIs7.93%
Public11.64%
Promoters50.32%
FIIs24.96%
DIIs14.10%
Public10.60%
Promoters50.21%
FIIs22.52%
DIIs17.25%
Public10.00%
Promoters50.54%
FIIs19.27%
DIIs20.19%
Public9.98%
HDFCLIFE
Holdings Analysis
Key strengths & risk signals
52
Overall
62
Fundamental
43
Technical
Risks (4)
OVERVALUED! PEG of 4.95 means expensive relative to growth rate.
POOR YEAR! Stock declined 25.9% in the last year.
WEAK! Trading at 15.8% of 52W range - near yearly lows.
BEARISH SENTIMENT! In last 30 days: 19 up days, 11 down days. Avg volume on up days: 3,763,367 vs down days: 5,559,806. Ratio: 0.68x
Strengths (4)
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
MIXED POSITION! Current price (553.0) above 50-day but below 200-day.
NEUTRAL! RSI at 54.6 - balanced momentum.
Fundamental & Technical Analysis
52Overall
62Fundamental
43Technical
Fundamental Breakdown
Growth Quality
19/30
Revenue CAGR: 9.3% (MODERATE, 8/15). Profit CAGR: 11.8% (GOOD, 11/15).
Profit Margin
2/10
LOW MARGIN! 1.9% profit margin - thin profits.
PEG Valuation
0/10
OVERVALUED! PEG of 4.95 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.38% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.18 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 12.58% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (540.5) is below 200-day average (604.3) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (553.0) above 50-day but below 200-day.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
1/10
POOR YEAR! Stock declined 25.9% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 19 up days, 11 down days. Avg volume on up days: 3,763,367 vs down days: 5,559,806. Ratio: 0.68x
RSI
3/5
NEUTRAL! RSI at 54.6 - balanced momentum.
52W Range
1/5
WEAK! Trading at 15.8% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -0.7% (1 week), 4.3% (1 month), -1.9% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
HDFCLIFE
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-22 | Concall PDF | |
| Q2FY262026-01-22 | Concall PDF | |
| Q1FY262025-10-24 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Life · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HDFCLIFE | ₹553.00 | 58.4 | 1.9% | 9.3% | 11.8% | -25.9% | 52 | APPROACHING RESISTANCE | +11.5% | +22.9% | +14.4% | +70.2% |
| SBILIFE | ₹1,656.80 | 63.9 | 2.1% | 11.1% | 12.8% | -9.5% | 53 | APPROACHING RESISTANCE | +22.0% | -9.9% | +18.8% | +1,031.9% |
| ICICIPRULI | ₹445.00 | 36.7 | 2.7% | 8.5% | 25.5% | -24.6% | 56 | CONSOLIDATING DOWN | +27.8% | -38.1% | +12.3% | +810.8% |
| MFSL | ₹1,294.90 | 409.8 | 0.2% | 15.0% | -39.5% | -17.0% | 51 | BREAKDOWN | +37.4% | -462.1% | +16.8% | +38.6% |
| STARHEALTH | ₹548.90 | 38.3 | 3.6% | 14.0% | -3.4% | +9.9% | 65 | APPROACHING RESISTANCE | +25.4% | +393.9% | +12.6% | +13.7% |
| LICI | ₹397.80 | 8.4 | 6.5% | 7.3% | 16.9% | -11.0% | 64 | APPROACHING RESISTANCE | +24.0% | -42.1% | +6.6% | -13.3% |
| NIVABUPA | ₹76.00 | 39 | 4.8% | 36.4% | 118.5% | +0.1% | 69 | APPROACHING RESISTANCE | +93.0% | -60.1% | +27.9% | +15.6% |
| CANHLIFE | ₹130.40 | 92.5 | 1.1% | 5.0% | 6.0% | +21.5% | 53 | BREAKDOWN | – | +53.0% | – | -41.3% |
Data from TradeAlone · Updated daily
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