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As of 6 Nov 2026, HDFC Life Insurance Company trades at 59.7× trailing earnings, and the shares are 28% below their 52-week high. Net profit grew 12% a year over 3 years, with ROE of 11%. ROCE and debt-to-equity are not meaningful for insurers; it trades at 6.47× book value and its dividend yield is 0.4%. It is a large-cap company with a market cap of ₹1.2 lakh crore, ranked 3rd of 9 Insurance (Life) companies by market cap; the shares fell 27% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹543.00
Day high
₹565.30
Day low
₹537.90
Prev. close
₹543.80
Volume
59 L

Health check

1 good · 2 fair · 3 to check
  • ReturnsBehind

    −26.8% over a year, better than 1 of 7 peers.

  • Price tagPricier

    P/B 6.47 vs peer median 4.35.

  • GrowthSteady

    Profit +11.8% a year over 3 years.

  • ProfitabilityAverage

    ROE 11.3% vs peer median 12.1%.

  • Balance sheetThin

    Return on assets 0.39%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Insurance - Life

8 listed peers. Screen the industry

Large cap

₹1.2L Cr, #3 of 9 in its industry by size.

Defensive

Beta 0.49 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹1,08,077 Cr · profit ₹2,048 Cr
Market cap
₹1.2L Cr
Large cap
P/E
59.7
Industry 59.7
Price to book
6.47
Peers 4.35
Dividend yield
0.37%
ROE
11.3%
Peers 12.1%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹9.47
Face value ₹10
OPM (TTM)
1.9%
Net margin 1.9%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+12.5%
Latest quarter vs a year ago
Price to sales
1.14
EV/EBITDA 50.5

Strengths and risks

Strengths and risks

Nothing stands out either way in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About HDFC Life Insurance Company

HDFC Life Insurance Company Limited engages in the provision of 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, life insurance, and NRI 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…

Headquarters
Mumbai
Employees
38,291
Sector
Financial Services
ISIN
INE795G01014
Website
hdfclife.com

Price range

52 weeks

₹508.05₹788.50

Today

₹537.90₹565.30
Avg volume (3M)
33.8 L
1-year return
minus 26.8%
From 52-week high
minus 28.3%

Analyst consensus

33 analysts
Strong buyMean target ₹718.67 plus 27.1%

Target range, with today’s price

Low ₹610.00High ₹910.00

Today’s price ₹565.30 is below the lowest analyst target.

Next results expected around 14 Jan 2027

Consensus from Yahoo Finance. Not a recommendation.

Peers · Insurance - Life

Insurer columns

Compare with peersScreen the whole industry
Company
LICILife Insurance Corporation of India394.00minus 3.43%4,98,4108.02.9537.8%16.9%2.54%minus 9.9%
SBILIFESBI Life Insurance Company1,784.00plus 2.82%1,79,00867.48.7213.7%12.8%0.15%minus 12.0%
HDFCLIFEHDFC Life Insurance Company565.30plus 3.95%1,22,78659.76.4711.3%11.8%0.37%minus 26.8%
ICICILIFEICICI Life Insurance438.90plus 2.63%63,69536.24.3512.9%25.5%0.38%minus 29.6%
MFSLMax Financial Services1,284.40plus 0.86%44,327239.27.703.4%−39.5%0.00%minus 20.0%
STARHEALTHStar Health and Allied Insurance Company564.75plus 4.13%33,23031.63.189.5%−3.4%0.00%plus 11.0%
NIVABUPANiva Bupa Health Insurance Company76.08minus 0.89%14,08026.53.6712.1%118.4%0.00%plus 0.5%
CANHLIFECanara HSBC Life Insurance Company122.05minus 1.79%11,54586.67.088.4%–0.33%plus 4.9%
Median of 7 peers–0.86%44,32736.24.3512.1%14.8%0.15%−9.9%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
29,47029,42119,81533,72724,493
28,90628,98019,32633,17223,953
564441490555541
1.9%1.5%2.5%1.6%2.2%
00075.30
564441490630541
2.7%5.2%−1.6%3.0%3.5%
548418497611522
2.541.942.302.832.41

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+11.8%
EPS CAGR 3Y
+11.4%
ROE
11.3%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
70,24695,82390,06991,606
–+36.4%minus 6.0%+1.7%
68,88894,17588,08789,483
1,3581,6481,9822,123
1.9%1.7%2.2%2.3%
113112142229
113112142229
75.978.8104161
1,2821,5701,8781,962
−6.7%−0.3%3.6%2.5%
1,3681,5741,8111,912
–+15.0%+15.0%+5.6%
6.417.318.418.86

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,1492,1512,1532,158
10,84412,51514,00215,592
9509502,9503,099
2,34,1262,87,0713,30,3073,69,654
2,48,0693,02,6873,49,4123,90,502
324344555631
30.827.7109142
1,51,9751,92,0982,29,5612,64,342
3,7663,2287,6145,044
91,9731,06,9891,11,5731,20,345
2,48,0693,02,6873,49,4123,90,502

Cash flow

Yearly, ₹ crore
Cash from investingSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−10,087−13,625−13,638−23,871
1,985−4031,607−275
−1,219−3,3073,566−1,521
−87.6−136−301−287
6,79610,58515,29622,338
−399−477––

Shareholding pattern

Source: NSE filings
50.5%
promoters
  • Promoters50.53%
  • Public49.44%
  • Employee trusts0.02%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202650.53%49.44%minus 0.01
30 Jun 202650.54%49.44%plus 0.33
31 Mar 202650.21%49.77%0.00
31 Dec 202550.21%49.76%minus 0.04
30 Sep 202550.25%49.73%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you