āagman

Not investment advice. Data and computed figures, for information only.

HDFC Life Insurance Company Ltd

NSE: HDFCLIFEF&O
₹550.55
+₹6.50 (+1.19%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹1,20,937 Cr
CMP
₹550.55
52-wk High / Low
₹789 / 509
P/E
61.2
P/B
6.2
Book Value
₹90.0
Div Yield
0.38%
ROCE
10.0%
ROE
11.3%
Face Value
₹10
D/E
0.17

Price−26.3% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 15 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹134
√(22.5 × EPS × book value per share)
ROIC
7.1%
vs 10.0% sector median
Cash flow to profit
11.83
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Margin change
+1
bps OPM YoY
Operating margin vs the same quarter last year
Sustainable growth
8.7%
ROE × earnings retention ratio
ROE stability
1.0
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.33FII −3.25DII +2.94
Latest quarter vs the previous one
Cash-accrual divergence
−5.6%
of assets
Low = accruals track cash flow
Strengths
+Annualised volatility of 24.5% is in the low band (≤25%)
+Promoter holding rose by 0.2pp over the last year
Watch-outs
−Price trades below its 200-day moving average (0.9x)
−Price is 30.2% below its 52-week high

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales23,37123,14226,92728,04126,93428,49717,30024,19129,46320,65129,42819,89033,759
Expenses23,04523,55726,66327,76626,62328,80716,85223,81429,02420,33629,15719,78233,253
Operating Profit326−415264275311−310448377439315271108506
OPM %1.4%−1.8%1.0%1.0%1.2%−1.1%2.6%1.6%1.5%1.5%0.9%0.5%1.5%
Other Income11413610317490279−29124164157174428171
Interest0000000000000
Depreciation0000000000000
Profit before tax440−279367450401−30419500604471445537677
Net Profit417378368412479435421475548448418497611
EPS (₹)1.941.761.711.912.232.021.962.212.542.081.942.312.81

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales27,21518,14130,64732,26038,85529,38071,52867,12670,2071,01,48296,92299,4321,03,727
Expenses26,34117,18729,67431,18637,64028,23970,29466,34870,1271,00,83695,89497,6791,02,527
Operating Profit8749539721,0741,2151,1411,235778806461,0281,7531,200
OPM %3.2%5.3%3.2%3.3%3.1%3.9%1.7%1.2%0.1%0.6%1.1%1.8%1.2%
Other Income791081392821363694457661,437410366465931
Interest−1489111400000000
Depreciation434541444547515676791041610
Profit before tax9241,0081,0611,3001,2911,4631,6291,4871,4419771,2902,0572,130
Net Profit7868178871,1071,2781,2971,3611,3271,3681,5741,8111,9121,975
EPS (₹)3.944.094.445.506.336.436.736.286.377.328.418.869.14

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital1,9951,9951,9982,0122,0172,0192,0212,1132,1492,1512,1532,158—
Reserves5461,1081,8282,6933,6254,7886,61913,50110,84412,51514,00215,592—
Borrowings0000006006009509502,9503,099—
Other Liabilities66,76773,44191,2701,05,7781,24,3781,25,4171,70,4152,14,5212,34,1262,87,0713,30,3073,69,654—
Total Liabilities69,30976,54495,0971,10,4831,30,0201,32,2241,79,6552,30,7342,48,0693,02,6873,49,4123,90,502—
Fixed Assets3463353373363703225856,6059971,5492,1432,716—
CWIP61216510814203128109139—
Investments67,02474,14491,7231,06,5901,24,9581,27,2561,73,5642,16,5512,38,1972,91,1283,34,7563,73,340—
Other Assets1,9322,0533,0203,5514,6824,6375,4937,5598,8449,98212,40414,308—
Total Assets69,30976,54495,0971,10,4831,30,0201,32,2241,79,6552,30,7342,48,0693,02,6873,49,4123,90,502—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity—4,4595,6876,2306,7399,8687,3889,7035,9436,88310,72115,59722,625
Cash from Investing Activity—−3,514−3,962−5,177−4,421−10,182−7,789−8,952−801−10,071−13,622−13,633−23,849
Cash from Financing Activity—−168−212−236−196−33738678−2381,985−4031,607−275
Net Cash Flow—7771,5138172,122−651−3641,4294,904−1,203−3,3043,572−1,499

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %49.041.036.031.031.023.024.020.012.010.05.07.010.0
ROE %————————————11.3
EPS (₹)3.643.944.094.445.506.336.436.736.286.377.328.418.86
Book Value (₹)————————————90.0
Face Value (₹)————————————10
P/E————————————61.2
Div Yield %————————————0.38
NPM %—2.94.52.93.43.34.41.92.01.91.51.91.9
OPM %4.03.25.03.23.33.13.91.71.20.10.61.11.8
D/E—0.000.000.000.000.000.000.070.040.070.060.180.17
P/B————————————6.2

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+19.0%
5 years+7.0%
3 years+12.0%
TTM+4.0%
Compounded profit growth
10 years+9.0%
5 years+7.0%
3 years+12.0%
TTM+5.0%
Stock price CAGR
5 years−5.0%
3 years−4.0%
Last year−26.0%
Return on equity
10 years14.0%
5 years11.0%
3 years11.0%
Last year11.0%

Shareholding pattern

As of 31 Dec 2025
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters80.93%80.93%76.14%63.69%58.86%51.53%50.31%50.37%50.32%50.21%50.54%
FIIs8.92%8.92%10.52%21.07%25.67%26.31%29.85%30.03%24.96%22.52%19.27%
DIIs2.41%2.41%3.40%6.08%6.25%7.81%6.42%7.93%14.10%17.25%20.19%
Government———————————
Public7.69%7.69%9.92%9.13%9.20%14.32%13.36%11.64%10.60%10.00%9.98%
No. of shareholders3,40,2973,40,2973,99,3735,30,7777,42,19610,34,12410,05,7028,58,8447,71,9496,91,6497,05,326
Change since Jun 2023 (pp)
Promoters −30.39FIIs +10.35DIIs +17.78Public +2.29

Documents

As of 11 Oct 2026
Announcements
Intimation Of Earnings Call - H1 FY27Board Meeting Intimation for Approval Of Financial Results For The Quarter And Half-Year Ended September 30, 2026 And Other MattersGrant Of Stock Options And Performance Restricted Stock UnitsDisclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015 - GST OrderAnalyst / Investor Meet - Intimation
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026RecordingApr 2026TranscriptApr 2026PPTApr 2026RecordingJan 2026TranscriptJan 2026PPTJan 2026RecordingOct 2025TranscriptOct 2025PPTJul 2025TranscriptJul 2025PPT

Corporate actions

As of 19 Jun 2026
19 Jun 2026DIVIDENDDividend - Rs 2.10 Per Share—
20 Jun 2025DIVIDENDDividend - Rs 2.10 Per Share—
21 Jun 2024DIVIDENDDividend - Rs 2 Per Share—
16 Jun 2023DIVIDENDDividend - Rs 1.90 Per Share—
31 May 2022DIVIDENDDividend - Rs 1.70 Per Share—
30 Jun 2021DIVIDEND Dividend - Rs 2.02 Per Sh—
14 Mar 2019DIVIDEND Interim Dividend - Rs 1.63 Per Share—
15 Dec 2017DIVIDEND Interim Dividend - Rs 1.36 Per Share (Purpose Revised)—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman