HDFC Life Insurance Company Ltd
NSE: HDFCLIFE BSE: 540777
₹590.60
(-3.21%)
Thu, 09 Apr 2026, 01:58 am
Market Cap1273.55B
PE Ratio67.36
Dividend0.34
Finance
Multi-Line Insurance
24.5KHDFC Life Insurance Company Analysis
dividend
- Dividends after 3 years are expected to be well covered by earnings (4x coverage).
- Unable to calculate sustainability of dividends as HDFC Life Insurance has not reported any payouts.
- Unable to evaluate HDFC Life Insurance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate HDFC Life Insurance's dividend against the top 25% market benchmark as the company has not reported any payouts.
future
- HDFC Life Insurance's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- Performance (ROE) is expected to be above the current IN Insurance industry average.
- HDFC Life Insurance's revenue is expected to increase by more than 50% in 2 years time.
- HDFC Life Insurance's revenue is expected to grow significantly at over 20% yearly.
- HDFC Life Insurance's revenue growth is expected to exceed the India market average.
- HDFC Life Insurance's earnings are expected to grow by 15.7% yearly, however this is not considered high growth (20% yearly).
- HDFC Life Insurance's earnings growth is positive but not above the India market average.
- HDFC Life Insurance's earnings are expected to increase but not above the low risk growth rate next year.
- HDFC Life Insurance's earnings are expected to increase but not above the low risk growth rate in 3 years time
- HDFC Life Insurance's net income is expected to increase but not above the 50% threshold in 2 years time.
- HDFC Life Insurance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- A decline in HDFC Life Insurance's performance (ROE) is expected over the next 3 years.
health
- HDFC Life Insurance is profitable, therefore cash runway is not a concern.
- HDFC Life Insurance is profitable, therefore cash runway is not a concern.
- HDFC Life Insurance has no debt, it does not need to be covered by operating cash flow.
- HDFC Life Insurance has no debt, it does not need to be covered by short term assets.
- HDFC Life Insurance has not taken on any debt in the past 5 years.
- HDFC Life Insurance has no debt, therefore coverage of interest payments is not a concern.
- HDFC Life Insurance has no debt.
- Low level of unsold assets.
- HDFC Life Insurance's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
- HDFC Life Insurance's long term commitments exceed its cash and other short term assets.
management
- The tenure for the HDFC Life Insurance board of directors is about average.
- Vibha's remuneration is lower than average for companies of similar size in India.
- Vibha's compensation has been consistent with company performance over the past year, both up more than 20%.
- HDFC Life Insurance individual insiders have only sold shares in the past 3 months.
- The average tenure for the HDFC Life Insurance management team is less than 2 years, this suggests a new team.
misc
- HDFC Life Insurance has significant price volatility in the past 3 months.
past
- HDFC Life Insurance's year on year earnings growth rate has been positive over the past 5 years.
- HDFC Life Insurance used its assets more efficiently than the IN Insurance industry average last year based on Return on Assets.
- HDFC Life Insurance's 1-year earnings growth is less than its 5-year average (1.5% vs 12.7%)
- HDFC Life Insurance's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
- HDFC Life Insurance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- HDFC Life Insurance's earnings growth has not exceeded the IN Insurance industry average in the past year (1.5% vs 1.5%).
value
- 540777 outperformed the Insurance industry which returned -7.3% over the past year.
- 540777 outperformed the Market in India which returned -14.5% over the past year.
- BSE:540777 is up 3.7% along with the Insurance industry (3.6%) over the past month.
- HDFC Life Insurance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- HDFC Life Insurance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- HDFC Life Insurance is overvalued based on assets compared to the IN Insurance industry average.
- HDFC Life Insurance is poor value based on expected growth next year.
- HDFC Life Insurance is overvalued based on earnings compared to the IN Insurance industry average.
- HDFC Life Insurance is overvalued based on earnings compared to the India market.
- BSE:540777 is up 3.7% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800