HDFC Life Insurance
NSE: HDFCLIFE · Insurance
₹735.45
▼ -1.94%Price chart
Illustrative price history · not actual market candles
A. Company overview
Private life insurer with bancassurance strength.
B. Fundamental analysis (illustrative)
Revenue growth
+8.94%
Net profit growth
+21.91%
Operating margin
15.1%
EBITDA margin
18.59%
ROE
22.89%
ROCE
25.14%
Debt / Equity
0.73
EPS
₹16.14
Operating cash flow
₹66,503 Cr
Working capital
₹48,575 Cr
5-year revenue & profit (₹ Cr)
C. Financial statements (illustrative)
| ₹ Cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 3,87,124 | 4,49,476 | 5,05,449 | 5,83,975 | 6,07,187 |
| EBITDA | 51,031 | 73,073 | 73,339 | 96,508 | 1,12,864 |
| Net profit | 31,894 | 45,670 | 45,837 | 60,318 | 70,540 |
| EPS (₹) | 11.3 | 12.59 | 13.88 | 15.17 | 16.46 |
D. Valuation analysis
P/E
45.56
P/B
7.3
EV/EBITDA
24.52
Price/Sales
2.93
EPS
₹16.14
Dividend yield
2.35%
Peer comparison — Insurance
| Company | CMP | P/E | P/B | ROE | D/E |
|---|---|---|---|---|---|
| HDFC Life Insurance | 735.45 | 45.56 | 7.3 | 22.89% | 0.73 |
| SBI Life Insurance | 1,826.28 | 30.7 | 3.69 | 18.27% | 0.95 |
| Life Insurance Corporation | 881.19 | 12.42 | 3.19 | 10.3% | 1.56 |
E. Technical analysis
RSI (14)
51.94
MACD
10.91
Support
₹698.68
Resistance
₹779.58
Volume
37,18,253
Illustrative technical charts · not actual market history
Candlestick (last 50 sessions)
Price with 50-DMA & 200-DMA, volume
Fibonacci retracement levels
F. Shareholding pattern
G. SWOT analysis
Strengths
- Established position in Insurance
- ROE of 22.89% in demo data
Weaknesses
- Limited pricing power in some segments
- Cyclical exposure
Opportunities
- Domestic demand growth
- Expansion in Protection
Threats
- Regulatory changes
- Competitive intensity
Illustrative template points for demonstration.
H. Research conclusion
Financial strength
Moderate leverage to monitor
Business quality
High capital efficiency
Valuation
Premium valuation
Growth
Sales growth of 8.94%
Risk assessment
Low risk
Overall
Illustrative HOLD opinion · target ₹728.51 · stop loss ₹635.65
I. Corporate actions
Dividend history (₹/share)
| Year | Dividend |
|---|---|
| FY22 | 13.82 |
| FY23 | 14.86 |
| FY24 | 15.9 |
| FY25 | 16.93 |
| FY26 | 17.97 |
Bonus, splits & announcements
- Bonus history: none in demo dataset
- Stock split history: none in demo dataset
- Board meeting for quarterly results — demo announcement