NSE/HDFCLIFE

HDFCLIFEHDFC Life Insurance Company Ltd

Financial Services · NSE

₹616.45-2.38%

52-wk low52-WEEK RANGE52-wk high

₹566.1+8.9% from low ·-24.3% from high₹814.3

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

HDFCLIFE-9.98% · 1Y

Range high ₹820.75Range low ₹555.1Latest ₹616.45252 bars · daily-close · NSE bhavcopy + 10Y history

Financial ServicesInsurance - LifeLargecapLow Risk

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite0/100

Performance

Low

Hasn't fared well — amongst the weak performers.

· 52w return -13.4% — underperformer
· Below 200-DMA (-16.6%) — downtrend

Valuation

High

Looks expensive vs the sector.

· P/E 68.7 — 271% above sector median 18.5
· P/B 7.47 above sector median

Growth

Low

Lagging the market in growth.

· Revenue YoY -17.7% — contracting
· 3Y revenue CAGR +12.3%

Profitability

Low

Profitability is a concern.

· ROE 11.3% — weak returns on equity
· Net margin 1.9% — thin margins

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeD(42/100)

Durability

A+

88/100

Financially resilient — strong quality + solvency profile.

Show 3 drivers

Piotroski F-score1/1 (100pt)
Debt/Equity0.17 (100pt)
ROE11.3% (45pt)

Valuation

1/100

Richly valued on most axes; limited margin of safety.

Show 4 drivers

P/E vs sector (68.7 / 18.5)371% (0pt)
P/B7.47 (0pt)
Dividend yield0.34% (9pt)
EV/EBITDA63.0 (0pt)

Momentum

37/100

Momentum is muted; trend is unclear or rolling over.

Show 5 drivers

52w change-13.4% (28pt)
DMA-trend alignmentdown (25pt)
RSI (14)46.8 (60pt)
Price vs 200-DMA-16.3% (27pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)68.67

OVERVALUED

CheapestP/E 68.7 at 88th %ile — pricier than 88% of peers.Most expensive

P/B7.47

OVERVALUED

CheapestP/B 7.47 at 86th %ile of sector.Most expensive

EV/EBITDA63.00

OVERVALUED

Monthly seasonality

Avg monthly return over 9 years · historical — not a forecast

Best: Apr +5.70% · Worst: Feb -4.49%

Jan

-1.0%

44% win

Feb

-4.5%

33% win

Mar

-0.7%

56% win

Apr

+5.7%

78% win

May

+2.7%

75% win

Jun

+2.6%

Monthly return distribution

Distribution of 101 monthly returns

Mean

+0.79%

Median

+0.94%

Std dev

7.60%

Best

+20.2%

Worst

-18.9%

% positive

55%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 1

Lean balance sheet (D/E 0.17)
Low leverage means earnings are less sensitive to rate cycles

WEAKNESSES · 3

Revenue contracting (-17.7% YoY)
Negative top-line growth is the hardest signal to overcome
Premium to sector on P/E (+271%)
P/E 68.7 vs Financial Services median 18.5
Weak financial quality (Piotroski 1/1)
Score ≤3 signals multiple concerning accounting trends

OPPORTUNITIES · 1

30% upside to consensus target (₹796)
34 analysts see fair value materially higher

THREATS · 1

Valuation compression risk
P/E 68.7 is 271% above sector — any growth miss gets punished

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

-2.4%

+2.0%

-1.5%

-18.7%

-19.3%

-10.1%

+8.3%

-3.5%

10Y

+7.2%

Fundamentals

VALUATION

Market cap

₹1,31,540 Cr

P/E (TTM)

68.7

P/E (fwd)

49.5

next 12m

P/B

7.47

EV/EBITDA

63.0

Book value

₹81.65

per share

PROFITABILITY · QUALITY

ROE

11.3%

ROCE

—

Net margin

1.9%

Op margin

2.7%

Gross margin

10.4%

D/E

0.17

GROWTH · MARKET

Rev YoY

-17.7%

Profit YoY

+4.1%

Div yield

0.34%

Payout

23.7%

52w change

-13.4%

Beta

0.58

defensive

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 3

+Forward P/E materially below trailing (49.5x vs 68.7x)Street expects earnings growth that compresses the multiple — positive surprise cushion
+Nearly debt-free (D/E 0.17)Low financial risk — funds growth from internal accruals, resilient in downturns
++30% upside to analyst consensus target34 analysts average target of ₹796 vs current ₹610

CONS · 3

−Trades at a premium to sector on P/EP/E 68.7 vs Financial Services median 18.5 — priced for more growth than peers
−Very high absolute P/E (69x)At this multiple the market prices in several years of strong growth upfront — risk of correction if growth disappoints
−Revenue declining -17.7% YoYTop-line contraction — watch for cyclical vs structural

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

68.67

Sector median

18.51

Rank 51/58 (14th %ile)

ROE

This stock

11.3%

Sector median

13.6%

Rank 22/58 (64th %ile)

P/B

This stock

7.47

Sector median

2.13

Rank 50/58 (16th %ile)

Quality score · Piotroski F-score

1 / 1

Too little data to score

—Profitable (positive net income)· Most basic check — company makes money
—Positive return on assets· Assets generate returns
—Positive operating cash flow· Profits are backed by real cash, not accruals
—Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
—Long-term debt decreased YoY· Deleveraging — lower refinancing risk
—ROA improved YoY· Getting more productive with the asset base
—Operating margin expanded YoY· Pricing power or cost discipline
—

Analyst consensus

34 analysts · STRONG_BUY

Target mean

₹795.62

Target high

₹950.00

Target low

₹670.00

Upside vs today

+30.5%

Street consensus target is +30.5% vs current price. Consensus is a lagging sentiment read, not a forecast.

Company + balance sheet snapshot

Industry

Insurance - Life

Shares out

215.7

Revenue (TTM)

₹99,855 Cr

EBITDA

₹2,125 Cr

Total debt

₹3,099 Cr

Cash

₹1,990 Cr

Net debt

₹1,109 Cr

Quarterly results

Last 6 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4	2026-Q1
Revenue	—	17,247	24,150	29,470	29,421	19,815
PBT	—	452	486	564	441	490
Tax %	—	6.9%	2.2%	2.7%	5.2%	-1.6%

Annual P&L

Last 5 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY	2026-FY
Revenue	—	70,246	95,823	96,827	99,404
Other income	—	33	30	—	—
Interest	92	113	112	142	—
PBT	—	1,282

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
HDFCLIFETHIS HDFC Life Insurance Company Limited	₹616.45	-13.4%	1,31,540	68.7	7.47	11.3%	0.17	-17.7%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	4.12	2.30	-44.2%
-2q	2.79	1.95	-30.1%
-3q	3.00	2.08	-30.7%
-4q	3.37	2.54	-24.6%

Date	Amount
2025-06-20	₹2.10
2024-06-21	₹2.00
2023-06-16	₹1.90
2022-05-31	₹1.70
2021-06-30	₹2.02
2019-03-14	₹1.63
2017-12-15	₹1.36

Metric	2022-FY	2023-FY	2024-FY	2025-FY	2026-FY
Equity capital	—	2,149	2,151	2,153	2,158
Reserves	—	7,075	8,241	9,621	—
Borrowings	—	950	950	2,950	3,099
Total liabilities	—	2,48,069	3,02,687	3,49,412	3,90,502
Fixed assets	692	324	344	555	746
CWIP	20	31	28	109	—
Investments	—	1,50,112	1,91,049	2,24,222	2,70,119
Total assets	—	2,48,069	3,02,687	3,49,412	3,90,502

Metric	2022-FY	2023-FY	2024-FY	2025-FY	2026-FY
CF Investing	—	-10,087	-13,625	-13,638	-23,871
CF Financing	—	1,985	-403	1,607	-275
Net cash flow	—	-1,203	-3,304	3,572	-1,499
Free cash flow	—	6,796	10,585	15,296	22,338

Metric	2026-FY	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	1.9%	1.9%	1.6%	1.9%	—
ROE %	—	16.3%	16.0%	14.8%	—
ROCE %	—	15.5%	15.6%	13.7%	—
Debt / Equity	—	0.25	0.09	0.10	—
Dividend payout %	24%	24%	26%	27%	—
Interest coverage	—	14.2×	15.0×	12.3×	—
Revenue growth YoY	+2.7%	+1.0%	+36.4%	—	—
Profit growth YoY	+5.6%	+15.0%	+15.0%	—	—

HDFCLIFEHDFC Life Insurance Company Ltd

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Earnings history + surprises

Dividends + splits history

Recent news

Stock scorecard

SWOT analysis

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services