HDFC Life Insurance Company Limited
HDFCLIFE · Insurance · NSE
₹545
Current Market Price
Fair Value (DCF)
₹478
Discount to FV
-12.3%
Updated just now
YieldIQ Score
33/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
34%
ROE
10.8%
Debt/Equity
0.17
WACC
9.8%
Market Cap
₹1.18 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
50.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.26×
Revenue per ₹ of assets
Revenue CAGR (3Y)
2.4%
3-year revenue growth
Revenue CAGR (5Y)
8.8%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹545.25
Bear case
Discount -42.5%
Base case
Discount -14.0%
Bull case
Discount +33.5%
Ratio Trends
HDFCLIFE · last 5 annual periods
ROE
10.8%
ROCE
10.6%
Operating Margin
—
Debt / Equity
0.17×
PE
66.6×
EV / EBITDA
—
Historical Financials
HDFCLIFE · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹67.4K Cr | ₹70.2K Cr | ₹95.8K Cr | ₹96.8K Cr | ₹99.4K Cr | +10.2% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹1395 Cr | ₹1395 Cr | ₹1682 Cr | ₹2020 Cr | — | +9.7% |
| PAT | ₹1327 Cr | ₹1368 Cr | ₹1574 Cr | ₹1811 Cr | ₹1912 Cr | +9.6% |
| EPS (diluted) | — | ₹6.41 | ₹7.31 | ₹8.41 | ₹8.86 | +8.4% |
| CFO | — | — | — | — | — | — |
| CapEx | ₹-56.6 Cr | ₹-87.6 Cr | ₹-136 Cr | ₹-301 Cr | ₹-287 Cr | — |
| FCF | — | — | — | — | — | — |
| Total Assets | ₹230.7K Cr | ₹248.1K Cr | ₹302.7K Cr | ₹349.4K Cr | ₹390.5K Cr | +14.1% |
| Total Debt | ₹600 Cr | ₹950 Cr | ₹950 Cr | ₹2950 Cr | ₹3099 Cr | +50.8% |
| Shareholders' Equity | ₹15.6K Cr | ₹13.0K Cr | ₹14.7K Cr | ₹16.2K Cr | ₹17.7K Cr | +3.3% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
HDFCLIFE vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 SBILIFE SBILIFE | — | — | Pending | 14.2% | 64.3× |
 ICICIPRULI ICICIPRULI | — | — | Pending | 11.8% | 45.9× |
 MFSL MFSL | — | — | Pending | 1.6% | — |
 LICI LICI | — | — | Pending | 32.5% | — |
 STARHEALTH STARHEALTH | — | — | Pending | 9.1% | — |
Click a ticker to view its fair-value analysis.
Dividend History
1 ex-dividend event on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹2.10/sh
Last payout
2026-06-19
₹2.10
Peak payout
₹2.10
Trailing yield
0.39%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. HDFC Life Insurance Company Limited (HDFCLIFE.NS) trades at 545.25 vs a model fair value of 478.13, a gap of -12.3%. Piotroski F-score: 7...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of HDFCLIFE →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for HDFCLIFE →
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Head-to-head with peers
Compare HDFCLIFE side by side →
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Analyse HDFCLIFENow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.