āagmanLoginNot investment advice. Data and computed figures, for information only.
Canara HSBC Life Insurance Company Ltd
₹134.73
−₹0.63 (−0.47%)
NSE · 15 Oct 2026, close
Market Cap
₹13,226 Cr
CMP
₹134.73
52-wk High / Low
₹167 / 106
P/E
99.0
P/B
8.1
Book Value
₹17.2
Div Yield
0.29%
ROCE
8.0%
ROE
8.1%
Face Value
₹10
D/E
0.16
Price+20.9% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
1
/ 9
1 of 9 F-score tests passed
Graham Number
₹23
√(22.5 × EPS × book value per share)
ROIC
5.4%
vs 10.0% sector median
Cash flow to profit
27.83
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Margin change
+159
bps OPM YoY
Operating margin vs the same quarter last year
Sustainable growth
5.8%
ROE × earnings retention ratio
ROE stability
0.5
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.25DII −0.12
Latest quarter vs the previous one
Cash-accrual divergence
−7.5%
of assets
Low = accruals track cash flow
Strengths
Watch-outs
−Latest ROCE of 8% trails the sector median of 9.4%
−Price trades below its 200-day moving average (0.9x)
−Piotroski F-Score of 1/9 is in the weak band (≤3)
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,323 | 1,516 | 2,783 | 3,632 | 2,348 | 4,202 | 1,374 | 4,351 | 2,555 |
| Expenses | 3,317 | 1,539 | 2,749 | 3,625 | 2,332 | 4,272 | 1,258 | 4,351 | 2,497 |
| Operating Profit | 6 | −23 | 34 | 6 | 16 | −70 | 116 | 0 | 58 |
| OPM % | 0.2% | −1.5% | 1.2% | 0.2% | 0.7% | −1.7% | 8.4% | 0.0% | 2.3% |
| Other Income | 37 | 51 | 1 | 20 | 30 | 101 | −77 | 32 | −10 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 43 | 28 | 35 | 26 | 45 | 31 | 39 | 32 | 48 |
| Net Profit | 37 | 29 | 32 | 23 | 41 | 28 | 35 | 28 | 43 |
| EPS (₹) | 0.39 | 0.31 | 0.34 | 0.25 | 0.43 | 0.29 | 0.37 | 0.30 | 0.45 |
Profit & Loss
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | Sep 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,074 | 9,253 | 8,496 | 8,435 | 11,841 | 10,710 | 11,556 | 12,275 | — | 12,482 |
| Expenses | 3,059 | 9,323 | 8,726 | 8,471 | 11,705 | 10,578 | 11,424 | 12,214 | — | 12,379 |
| Operating Profit | 15 | −71 | −230 | −36 | 136 | 131 | 132 | 61 | — | 103 |
| OPM % | 0.5% | −0.8% | −2.7% | −0.4% | 1.1% | 1.2% | 1.1% | 0.5% | — | 0.8% |
| Other Income | 104 | 184 | 256 | 155 | 11 | 19 | 29 | 85 | — | 46 |
| Interest | 6 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | — | 0 |
| Depreciation | 8 | 13 | 17 | 19 | 23 | 22 | 20 | 0 | — | 0 |
| Profit before tax | 105 | 95 | 10 | 100 | 124 | 128 | 141 | 146 | — | 149 |
| Net Profit | 105 | 95 | 10 | 91 | 113 | 117 | 127 | 131 | — | 134 |
| EPS (₹) | 1.11 | 1.00 | 0.11 | 0.96 | 1.19 | 1.23 | 1.33 | 1.39 | — | 1.41 |
Balance Sheet
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 950 | 950 | 950 | 950 | 950 | 950 | 950 | — | 950 | — |
| Reserves | 239 | 330 | 340 | 403 | 469 | 567 | 655 | — | 689 | — |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 250 | — | 250 | — |
| Other Liabilities | 14,757 | 21,306 | 25,925 | 29,957 | 37,332 | 41,397 | 46,201 | — | 49,956 | — |
| Total Liabilities | 15,946 | 22,586 | 27,215 | 31,310 | 38,751 | 42,914 | 48,057 | — | 51,845 | — |
| Fixed Assets | 32 | 37 | 70 | 73 | 77 | 42 | 31 | — | 34 | — |
| CWIP | 4 | 7 | 4 | 5 | 2 | 4 | 6 | — | 0 | — |
| Investments | 15,374 | 21,871 | 26,266 | 30,179 | 37,357 | 41,166 | 46,118 | — | 50,200 | — |
| Other Assets | 536 | 671 | 875 | 1,053 | 1,314 | 1,702 | 1,901 | — | 1,611 | — |
| Total Assets | 15,946 | 22,586 | 27,215 | 31,310 | 38,751 | 42,914 | 48,057 | — | 51,845 | — |
Cash Flows
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | — | 2,340 | 1,998 | 2,592 | 2,310 | 1,208 | 3,534 |
| Cash from Investing Activity | — | −2,236 | −1,929 | −2,518 | −2,045 | −714 | −3,666 |
| Cash from Financing Activity | — | 0 | 0 | −28 | −48 | −19 | 212 |
| Net Cash Flow | — | 103 | 69 | 46 | 218 | 474 | 80 |
Ratios
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| ROCE % | — | 8.0 | 1.0 | 8.0 | 9.0 | 9.0 | 8.0 |
| ROE % | — | — | — | — | — | — | 8.1 |
| EPS (₹) | 1.11 | 1.00 | 0.11 | 0.96 | 1.19 | 1.23 | 1.33 |
| Book Value (₹) | — | — | — | — | — | — | 17.2 |
| Face Value (₹) | — | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | — | 99.0 |
| Div Yield % | — | — | — | — | — | — | 0.29 |
| NPM % | 3.3 | 1.0 | 0.1 | 1.1 | 1.0 | 1.1 | 1.1 |
| OPM % | 0.5 | −0.8 | −2.7 | −0.4 | 1.1 | 1.2 | 1.1 |
| D/E | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.16 |
| P/B | — | — | — | — | — | — | 8.1 |
Growth
Compounded sales growth
5 years+5.0%
3 years+11.0%
TTM+21.0%
Compounded profit growth
5 years+6.0%
3 years+12.0%
TTM+6.0%
Return on equity
5 years7.0%
3 years8.0%
Last year8.0%
Documents
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAnnouncement under Regulation 30 (LODR)-Press Release / Media ReleaseAnnouncement under Regulation 30 (LODR)-Investor PresentationUnaudited Financial Results Along With Limited Review Report For The Quarter And Half-Year Ended 30Th September 2026Announcement under Regulation 30 (LODR)-Raising of FundsCorporate actions
14 Aug 2026DIVIDENDDividend - Re 0.40 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman