HDFC Life Insurance vs Star Health: share price, P/E, ROE and financials compared
HDFC Life Insurance Company
Star Health and Allied Insurance Company
HDFC Life Insurance and Star Health at a glance
HDFC Life Insurance and Star Health are both listed in Financial Services. HDFC Life Insurance is the larger by market cap, at ₹1.2L Cr against ₹33,230 Cr for Star Health (3.7 times as large). On valuation, Star Health has the lower P/E (31.6× against 59.7×) and the lower price-to-book (3.18× against 6.47×). On returns and margins, HDFC Life Insurance has the higher ROE (11.3% against 9.5%). Over three years, HDFC Life Insurance has faster 3-year profit growth (+11.8% against −3.4% a year). Both are lenders or insurers, so ROCE, operating margin and debt-to-equity aren’t compared: those ratios don’t fit financial balance sheets.
Key metrics, side by side
| Metric | HDFC Life InsuranceHDFCLIFE | Star HealthSTARHEALTH |
|---|---|---|
| Price (₹) | 565.30 | 564.75 |
| Market cap (₹ Cr) | 1,22,786 | 33,230 |
| P/E | 59.7× | 31.6× (the lower figure, shaded) |
| P/B | 6.47× | 3.18× (the lower figure, shaded) |
| Dividend yield, trailing | 0.37% (the higher figure, shaded) | 0.00% |
| ROE | 11.3% (the higher figure, shaded) | 9.5% |
| ROCE | n/m | n/m |
| Operating margin (OPM) | n/m | n/m |
| Net margin (NPM) | 1.9% | 4.4% (the higher figure, shaded) |
| Sales CAGR 3Y | n/m | n/m |
| Profit CAGR 3Y | +11.8% (the higher figure, shaded) | −3.4% |
| Debt to equity | n/m | n/m |
| Interest cover | n/m | n/m |
| Net profit TTM (₹ Cr) | 2,048 | 1,054 |
| 1Y return | −26.8% | +11.0% (the higher figure, shaded) |
| Promoter holding | 50.53% | – |
HDFC Life Insurance vs Star Health: common questions
Which is bigger, HDFC Life Insurance or Star Health?
By market cap, HDFC Life Insurance is bigger at ₹1.2L Cr, against ₹33,230 Cr for Star Health (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹2,048 Cr for HDFC Life Insurance and ₹1,054 Cr for Star Health.
Which has a lower P/E ratio, HDFC Life Insurance or Star Health?
HDFC Life Insurance trades at a P/E of 59.7× and Star Health at 31.6×. Star Health has the lower P/E. P/E is the share price divided by earnings per share; it varies a lot between industries and with growth, so it says little on its own.
Which has a higher ROE, HDFC Life Insurance or Star Health?
HDFC Life Insurance reports a return on equity of 11.3% and Star Health 9.5%. HDFC Life Insurance has the higher ROE. ROE is net profit as a share of shareholders’ equity.
Which is growing faster, HDFC Life Insurance or Star Health?
Over the last three years: profit grew +11.8% a year at HDFC Life Insurance and −3.4% at Star Health, so HDFC Life Insurance grew profit faster. Past growth doesn’t predict future growth.