HDFC Life Insurance is a leading Indian company in the Financial Services space, listed on the NSE. The company is a key player in the Financial Services segment with a strong market position and diversified operations.
HDFC Life Insurance Company Ltd makes money through Core Business, Other Segments, Exports in Financial Services. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within Insurance.
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| Metric | 1 Year | 3 Years | 5 Years | 10 Years |
|---|---|---|---|---|
| Sales | — | — | — | — |
| Profit | — | — | — | — |
| Stock Price | — | — | — | — |
| ROE | — | — | — | — |
| Period | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹27,215 Cr | ₹18,141 Cr | ₹30,647 Cr | ||||||||
| Expenses | ₹26,341 Cr |
| Quarter | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹20,857 Cr | ₹23,371 Cr | ₹23,142 Cr | ₹26,927 Cr | ||||||||
| Expenses | ₹21,215 Cr | ₹23,045 Cr | ₹23,557 Cr | ₹26,663 Cr | ||||||||
| Operating Profit | ₹-358 Cr | ₹326 Cr | ₹-415 Cr | ₹264 Cr |
| Period | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Liabilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity Capital | ₹1,995 Cr | ₹1,995 Cr | ₹1,998 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reserves | ₹546 Cr | ₹1,108 Cr | ₹1,828 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Period | Operating | Investing | Financing | Net Cash Flow |
|---|---|---|---|---|
| Mar 2016 | ₹4,459 Cr | ₹-3,514 Cr | ₹-168 Cr | — |
| Mar 2017 | ₹5,687 Cr | ₹-3,962 Cr | ₹-212 Cr | — |
| Mar 2018 | ₹6,230 Cr | ₹-5,177 Cr | ₹-236 Cr | — |
| Mar 2019 | ||||
| Mar 2020 | ||||
| Mar 2021 | ||||
| Mar 2022 |
| Ratio | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 11.2% | 10.0% | 10.1% | — | — | — | — | — | — | — | — | — | — | — | — |
| ROCE % | 12.4% | 11.2% | 11.3% | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt/Equity | 0.5 | 0.3 | 0.3 | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | 11.0 | 14.8 | 11.9 | — | — | — | — | — | — | — | — | — | — |
| Year | Type | Amount (₹) |
|---|---|---|
| FY24 | Interim | ₹16.80 |
| FY23 | Interim | ₹3.65 |
| FY22 | Interim | ₹8.40 |
| FY21 | Final | |
| FY20 | Final | |
| FY19 | Final |
No corporate actions recorded.
| Company | M.Cap | P/E | ROE | 1Y Return |
|---|---|---|---|---|
| SBI Life Insurance Company Ltd | ₹1,87,001 Cr | 75.8 | +13.7% | -6.28% |
| Life Insurance Corporation of India | ₹5,08,214 Cr | 9.6 | 0.00% | -11.19% |
| ICICI Lombard General Insurance Company Ltd | ₹91,473 Cr | 33.2 | +17.85% | -10.61% |
| Canara HSBC Life Insurance Company Ltd | ₹12,752 Cr | 101.2 | +8.11% | +14.44% |
| General Insurance Corporation of India | ₹66,922 Cr | 7.0 | +10.14% | -2.94% |
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Premium| ₹17,187 Cr |
| ₹29,674 Cr |
| Operating Profit | ₹874 Cr | ₹953 Cr | ₹972 Cr |
| OPM % | 3.0% | 5.0% | 3.0% |
| Other Income | ₹79 Cr | ₹108 Cr | ₹139 Cr |
| Depreciation | ₹43 Cr | ₹45 Cr | ₹41 Cr |
| Interest | ₹-14 Cr | ₹8 Cr | ₹9 Cr |
| Profit Before Tax | ₹924 Cr | ₹1,008 Cr | ₹1,061 Cr |
| Tax | ₹924 Cr | ₹1,008 Cr | ₹1,061 Cr |
| Net Profit | ₹786 Cr | ₹817 Cr | ₹887 Cr |
| EPS (₹) | 3.9 | 4.1 | 4.4 |
| Dividend Payout % | 18% | 22% | 25% |
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| OPM % | -2.0% | 1.0% | -2.0% | 1.0% |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Interest | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Net Profit | ₹362 Cr | ₹417 Cr | ₹378 Cr | ₹368 Cr |
| EPS (₹) | 1.7 | 1.9 | 1.8 | 1.7 |
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| Borrowings | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Other Liabilities | ₹66,767 Cr | ₹73,441 Cr | ₹91,270 Cr |
| Total Liabilities | ₹69,309 Cr | ₹76,544 Cr | ₹95,097 Cr |
| Assets |
| Fixed Assets | ₹346 Cr | ₹335 Cr | ₹337 Cr |
| Investments | ₹67,024 Cr | ₹74,144 Cr | ₹91,723 Cr |
| Receivables | — | — | — |
| Inventory | — | — | — |
| Cash & Equivalents | — | — | — |
| Other Assets | ₹1,932 Cr | ₹2,053 Cr | ₹3,020 Cr |
| Total Assets | ₹69,309 Cr | ₹76,544 Cr | ₹95,097 Cr |
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| Mar 2023 |
| Mar 2024 |
| Mar 2025 |
| Mar 2026 |
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| — |
| — |
| Current Ratio | 1.6 | 1.6 | 1.8 | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | 1.1 | 1.4 | 1.0 | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | 14.9% | 12.9% | 13.6% | — | — | — | — | — | — | — | — | — | — | — | — |
| NPM % | 8.9% | 7.8% | 8.1% | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 17.6 | 16.8 | 17.8 | — | — | — | — | — | — | — | — | — | — | — | — |
| PEG Ratio | 1.8 | 1.8 | 1.5 | — | — | — | — | — | — | — | — | — | — | — | — |
| Asset Turnover | 0.7 | 0.5 | 0.6 | — | — | — | — | — | — | — | — | — | — | — | — |
| Inventory Turnover | 9.4 | 11.6 | 5.9 | — | — | — | — | — | — | — | — | — | — | — | — |
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