Hdfclife
Current Price
₹ 573
Live Data
About Company
HDFC Life Insurance Company is engaged in carrying on the business of life insurance. The Company offers a range of individual and group insurance solutions. The portfolio comprises of various insurance and investment products such as Protection, Pension, Savings,(Source : 202003 Annual Report Page No: 175)
Financial Ratios
Key fundamental data analysis
Market Cap
₹ 1,23,716 Cr.
Current Price
₹ 573
High / Low
₹ 821 / 569
Stock P/E
65.4
Book Value
₹ 81.6
Dividend Yield
0.37 %
ROCE
6.58 %
ROE
10.8 %
Face Value
₹ 10.0
Analysis
Pros
- Company has been maintaining a healthy dividend payout of 27.4%
Cons
- Stock is trading at 7.02 times its book value
- Tax rate seems low
- Company has a low return on equity of 10.2% over last 3 years.
- Earnings include an other income of Rs.619 Cr.
Quarterly Results
| Metrics | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 19577 | 20857 | 23371 | 23142 | 26927 | 28041 | 26934 | 28497 | 17300 | 24191 | 29463 | 20651 | 29428 |
| Expenses | 19787 | 21215 | 23045 | 23557 | 26663 | 27766 | 26623 | 28807 | 16852 | 23814 | 29024 | 20336 | 29157 |
| Operating Profit | -210 | -358 | 326 | -415 | 264 | 275 | 311 | -310 | 448 | 377 | 439 | 315 | 271 |
| OPM % | -1 | -2 | 1 | -2 | 1 | 1 | 1 | -1 | 3 | 2 | 1 | 2 | 1 |
| Other Income | 394 | 882 | 114 | 136 | 103 | 174 | 90 | 279 | -29 | 124 | 164 | 157 | 174 |
| 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 | 184 | 525 | 440 | -279 | 367 | 450 | 401 | -30 | 419 | 500 | 604 | 471 | 445 |
| Tax % | -72 | 31 | 5 | -235 | 0 | 8 | -20 | -1 | -1 | 5 | 9 | 5 | 6 |
| Net Profit | 316 | 362 | 417 | 378 | 368 | 412 | 479 | 435 | 421 | 475 | 548 | 448 | 418 |
| EPS in Rs | 1.47 | 1.68 | 1.94 | 1.76 | 1.71 | 1.91 | 2.23 | 2.02 | 1.96 | 2.21 | 2.54 | 2.08 | 1.94 |
Profit & Loss
| Metrics | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 17166 | 27215 | 18141 | 30647 | 32260 | 38855 | 29380 | 71528 | 67126 | 70207 | 101482 | 92922 | 103732 |
| Expenses | 16561 | 26341 | 17187 | 29674 | 31186 | 37640 | 28239 | 70294 | 66348 | 70127 | 100836 | 91894 | 102330 |
| Operating Profit | 605 | 874 | 953 | 972 | 1074 | 1215 | 1141 | 1235 | 778 | 80 | 646 | 1028 | 1402 |
| OPM % | 4 | 3 | 5 | 3 | 3 | 3 | 4 | 2 | 1 | 0 | 1 | 1 | 1 |
| Other Income | 241 | 79 | 108 | 139 | 282 | 136 | 369 | 445 | 766 | 1437 | 410 | 366 | 619 |
| Interest | 11 | -14 | 8 | 9 | 11 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 41 | 43 | 45 | 41 | 44 | 45 | 47 | 51 | 56 | 76 | 79 | 104 | 0 |
| Profit before tax | 794 | 924 | 1008 | 1061 | 1300 | 1291 | 1463 | 1629 | 1487 | 1441 | 977 | 1290 | 2021 |
| Tax % | 9 | 15 | 19 | 16 | 15 | 1 | 11 | 16 | 11 | 5 | -61 | -40 | - |
| Net Profit | 725 | 786 | 817 | 887 | 1107 | 1278 | 1297 | 1361 | 1327 | 1368 | 1574 | 1811 | 1890 |
| EPS in Rs | 3.64 | 3.94 | 4.09 | 4.44 | 5.5 | 6.33 | 6.43 | 6.73 | 6.28 | 6.37 | 7.32 | 8.41 | 8.77 |
| Dividend Payout % | 14 | 18 | 22 | 25 | 25 | 26 | 0 | 30 | 27 | 30 | 27 | 25 | - |