Hdfc Life Insurance Company Ltd

HDFCLIFE
Insurance
โ‚น 779.65
Price
โ‚น 168,017
Market Cap
Large Cap
89.36
P/E Ratio

๐Ÿ“Š Score Snapshot

20.0 / 25
Performance
10.68 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
37.68 / 100
Avoid

๐Ÿข Company Overview

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๐Ÿค– CARL Insights

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๐Ÿ“ˆ Net Profit (Yearly)

๐Ÿ“Š Sales (Yearly)

๐Ÿ“‰ Quarterly Sales Trend

๐Ÿ“‰ Quarterly Net Profit

๐Ÿ“ˆ Yearly Ratios

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Adj Cash EBITDA 1,247 884.00 1,517 1,544 1,679 1,510 11,104 1,356
Adj Cash EBITDA Margin 1.34 0.87 2.16 2.30 2.35 5.14 16.05 4.20
Adj Cash EBITDA To EBITDA 1.00 1.00 1.00 1.00 1.00 1.00 8.98 1.00
Adj Cash EPS 9.37 8.61 6.37 6.28 6.73 6.43 55.76 5.50
Adj Cash PAT 2,017 1,851 1,368 1,327 1,361 1,297 11,259 1,107
Adj Cash PAT To PAT 1.00 1.00 1.00 1.00 1.00 1.00 8.09 1.00
Adj Cash PE 79.78 80.60 78.37 87.64 102.68 65.68 6.99 90.24
Adj EPS 9.37 8.61 6.37 6.28 6.73 6.43 6.89 5.50
Adj Number Of Shares 215.34 215.03 214.76 211.31 202.23 201.71 201.90 201.27
Adj PE 79.78 80.60 78.37 87.64 102.68 65.68 60.26 90.24
Adj Peg 9.04 2.29 54.68 - 22.01 - 2.38 -
Bvps 75.02 68.20 60.50 73.89 42.72 33.75 27.94 23.38
Cash Conversion Cycle - - - - - - 2.00 -
Cash ROCE 8.13 8.40 9.01 4.73 16.84 21.00 213.57 26.45
Cash Roic -0.37 -0.34 - 0.04 -0.68 -0.81 -9.83 -0.92
Cash Revenue 92,922 101,482 70,207 67,126 71,528 29,380 69,194 32,260
Cash Revenue To Revenue 1.00 1.00 1.00 1.00 1.00 1.00 1.78 1.00
Dso - - - - - - 2.00 -
Dividend Yield 0.30 0.31 0.38 0.31 0.29 - 0.43 0.28
EV -184,418 -156,397 -131,208 -101,032 -34,322 -42,765 -48,228 -7,800
EV To Fcff - - 21,163 1,237 - - - -
Fcfe 3,824 1,796 1,708 601.00 1,952 1,307 11,261 1,118
Fcfe Margin 4.12 1.77 2.43 0.90 2.73 4.45 16.27 3.47
Fcfe To Adj PAT 1.90 0.97 1.25 0.45 1.43 1.01 8.10 1.01
Fcff 1,104 858.49 -6.20 -81.69 979.40 979.83 11,028 888.05
Fcff Margin 1.19 0.85 -0.01 -0.12 1.37 3.34 15.94 2.75
Fcff To NOPAT 0.85 0.94 -1.63 -0.13 0.99 1.01 9.52 1.01
Market Cap 149,209 135,340 107,208 116,294 139,741 85,182 77,974 99,900
PB 9.24 9.23 8.25 7.45 16.18 12.51 13.82 21.23
PE 82.39 85.98 78.37 87.64 102.67 65.68 61.01 90.25
Peg 5.53 5.77 54.68 - 22.01 41.58 4.04 -
PS 1.61 1.33 1.53 1.73 1.95 2.90 2.01 3.10
ROCE 9.24 8.78 9.07 10.43 16.95 20.84 22.79 26.19
ROE 13.09 13.39 9.56 10.94 17.62 20.84 26.88 25.95
Roic -0.44 -0.36 - -0.35 -0.69 -0.80 -1.03 -0.91
Share Price 692.90 629.40 499.20 550.35 691.00 422.30 386.20 496.35

๐Ÿ“Š Quarterly Results

Metric Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022
Sales 20,651 29,463 24,191 17,300 28,497 26,934 28,041 26,927 23,142 23,371 20,857 19,577 23,083 6,690
Expenses - 20,336 29,024 23,814 16,852 28,807 26,623 27,766 26,663 23,557 23,045 21,215 19,787 22,815 6,386
Other Income - 157.00 164.00 124.00 -29.00 279.00 90.00 174.00 103.00 136.00 114.00 882.00 394.00 87.00 74.00
Profit Before Tax 471.00 604.00 500.00 419.00 -30.00 401.00 450.00 367.00 -279.00 440.00 525.00 184.00 355.00 378.00
Tax % 4.88 9.27 5.00 -0.48 1,550 -19.45 8.44 -0.27 235.48 5.23 31.05 -71.74 7.32 4.50
Net Profit - 448.00 548.00 475.00 421.00 435.00 479.00 412.00 368.00 378.00 417.00 362.00 316.00 329.00 361.00
Profit Excl Exceptional 448.00 548.00 475.00 421.00 435.00 479.00 412.00 368.00 378.00 417.00 362.00 316.00 329.00 361.00
Profit For PE 448.00 548.00 475.00 421.00 435.00 479.00 412.00 368.00 378.00 417.00 362.00 316.00 329.00 361.00
Profit For EPS 448.00 548.00 475.00 421.00 435.00 479.00 412.00 368.00 378.00 417.00 362.00 316.00 329.00 361.00
EPS In Rs 2.08 2.54 2.21 1.96 2.02 2.23 1.91 1.71 1.76 1.94 1.68 1.47 1.53 1.71
PAT Margin % 2.17 1.86 1.96 2.43 1.53 1.78 1.47 1.37 1.63 1.78 1.74 1.61 1.43 5.40
PBT Margin 2.28 2.05 2.07 2.42 -0.11 1.49 1.60 1.36 -1.21 1.88 2.52 0.94 1.54 5.65
Tax 23.00 56.00 25.00 -2.00 -465.00 -78.00 38.00 -1.00 -657.00 23.00 163.00 -132.00 26.00 17.00
Yoy Profit Growth % 3.00 14.00 15.00 15.00 15.00 15.00 14.00 16.00 15.00 15.00 -28.00 15.00 19.00 34.00
Adj Ebit 472.00 603.00 501.00 419.00 -31.00 401.00 449.00 367.00 -279.00 440.00 524.00 184.00 355.00 378.00
Adj EBITDA 472.00 603.00 501.00 419.00 -31.00 401.00 449.00 367.00 -279.00 440.00 524.00 184.00 355.00 378.00
Adj EBITDA Margin 2.29 2.05 2.07 2.42 -0.11 1.49 1.60 1.36 -1.21 1.88 2.51 0.94 1.54 5.65
Adj Ebit Margin 2.29 2.05 2.07 2.42 -0.11 1.49 1.60 1.36 -1.21 1.88 2.51 0.94 1.54 5.65
Adj PAT 448.00 548.00 475.00 421.00 435.00 479.00 412.00 368.00 378.00 417.00 362.00 316.00 329.00 361.00
Adj PAT Margin 2.17 1.86 1.96 2.43 1.53 1.78 1.47 1.37 1.63 1.78 1.74 1.61 1.43 5.40
Ebit 472.00 603.00 501.00 419.00 -31.00 401.00 449.00 367.00 -279.00 440.00 524.00 184.00 355.00 378.00
EBITDA 472.00 603.00 501.00 419.00 -31.00 401.00 449.00 367.00 -279.00 440.00 524.00 184.00 355.00 378.00
EBITDA Margin 2.29 2.05 2.07 2.42 -0.11 1.49 1.60 1.36 -1.21 1.88 2.51 0.94 1.54 5.65
Ebit Margin 2.29 2.05 2.07 2.42 -0.11 1.49 1.60 1.36 -1.21 1.88 2.51 0.94 1.54 5.65
NOPAT 299.63 398.30 358.15 450.15 4,495 371.49 251.79 264.71 562.24 308.95 -246.84 -360.65 248.38 290.32
NOPAT Margin 1.45 1.35 1.48 2.60 15.77 1.38 0.90 0.98 2.43 1.32 -1.18 -1.84 1.08 4.34
Operating Profit 315.00 439.00 377.00 448.00 -310.00 311.00 275.00 264.00 -415.00 326.00 -358.00 -210.00 268.00 304.00
Operating Profit Margin 1.53 1.49 1.56 2.59 -1.09 1.15 0.98 0.98 -1.79 1.39 -1.72 -1.07 1.16 4.54

๐Ÿ’ฐ Profit & Loss

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018 Mar 2017 Mar 2016 Mar 2015 Mar 2014
Sales 92,922 101,482 70,207 67,126 71,528 29,380 38,855 32,260 30,647 18,141 27,215 17,166
Interest - - - - - - 14.00 11.00 9.00 8.00 -14.00 11.00
Expenses - 91,894 100,836 70,127 66,348 70,294 28,239 37,640 31,186 29,674 17,187 26,341 16,561
Other Income - 219.00 238.00 1,437 766.00 445.00 369.00 21.00 282.00 139.00 108.00 79.00 241.00
Exceptional Items 147.00 172.00 - - - - 114.00 - - - - -
Depreciation 104.00 79.00 76.00 56.00 51.00 47.00 45.00 44.00 41.00 45.00 43.00 41.00
Profit Before Tax 1,290 977.00 1,441 1,487 1,629 1,463 1,291 1,300 1,061 1,008 924.00 794.00
Tax % -40.39 -61.11 5.07 10.76 16.45 11.35 1.01 14.85 16.40 18.95 14.94 8.69
Net Profit - 1,811 1,574 1,368 1,327 1,361 1,297 1,278 1,107 887.00 817.00 786.00 725.00
Exceptional Items At 147.00 172.00 - - - - 97.00 - - - - -
Profit Excl Exceptional 1,664 1,402 1,368 1,327 1,361 1,297 1,181 1,107 887.00 817.00 786.00 725.00
Profit For PE 1,664 1,402 1,368 1,327 1,361 1,297 1,181 1,107 887.00 817.00 786.00 725.00
Profit For EPS 1,811 1,574 1,368 1,327 1,361 1,297 1,278 1,107 887.00 817.00 786.00 725.00
EPS In Rs 8.41 7.32 6.37 6.28 6.73 6.43 6.33 5.50 - - - -
Dividend Payout % 25.00 27.00 30.00 27.00 30.00 - 26.00 25.00 25.00 22.00 18.00 14.00
PAT Margin % 1.95 1.55 1.95 1.98 1.90 4.41 3.29 3.43 2.89 4.50 2.89 4.22
PBT Margin 1.39 0.96 2.05 2.22 2.28 4.98 3.32 4.03 3.46 5.56 3.40 4.63
Tax -521.00 -597.00 73.00 160.00 268.00 166.00 13.00 193.00 174.00 191.00 138.00 69.00
Adj Ebit 1,143 805.00 1,441 1,488 1,628 1,463 1,191 1,312 1,071 1,017 910.00 805.00
Adj EBITDA 1,247 884.00 1,517 1,544 1,679 1,510 1,236 1,356 1,112 1,062 953.00 846.00
Adj EBITDA Margin 1.34 0.87 2.16 2.30 2.35 5.14 3.18 4.20 3.63 5.85 3.50 4.93
Adj Ebit Margin 1.23 0.79 2.05 2.22 2.28 4.98 3.07 4.07 3.49 5.61 3.34 4.69
Adj PAT 2,017 1,851 1,368 1,327 1,361 1,297 1,391 1,107 887.00 817.00 786.00 725.00
Adj PAT Margin 2.17 1.82 1.95 1.98 1.90 4.41 3.58 3.43 2.89 4.50 2.89 4.22
Ebit 996.00 633.00 1,441 1,488 1,628 1,463 1,077 1,312 1,071 1,017 910.00 805.00
EBITDA 1,100 712.00 1,517 1,544 1,679 1,510 1,122 1,356 1,112 1,062 953.00 846.00
EBITDA Margin 1.18 0.70 2.16 2.30 2.35 5.14 2.89 4.20 3.63 5.85 3.50 4.93
Ebit Margin 1.07 0.62 2.05 2.22 2.28 4.98 2.77 4.07 3.49 5.61 3.34 4.69
NOPAT 1,297 913.49 3.80 644.31 988.40 969.83 1,158 877.05 779.15 736.74 706.85 514.99
NOPAT Margin 1.40 0.90 0.01 0.96 1.38 3.30 2.98 2.72 2.54 4.06 2.60 3.00
Operating Profit 924.00 567.00 4.00 722.00 1,183 1,094 1,170 1,030 932.00 909.00 831.00 564.00
Operating Profit Margin 0.99 0.56 0.01 1.08 1.65 3.72 3.01 3.19 3.04 5.01 3.05 3.29

๐Ÿฆ Balance Sheet

Metric Sep 2025 Mar 2025 Sep 2024 Mar 2024 Sep 2023 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019
Accumulated Depreciation - 718.00 - 696.00 - 664.00 626.00 472.00 447.00 411.00
Average Capital Employed 17,937 17,360 15,586 14,780 - 15,078 12,726 8,024 6,224 5,174
Average Invested Capital -331,454 -298,014 -281,380 -251,947 - -214,394 -184,138 -143,824 -121,340 -112,170
Average Total Assets 353,896 326,050 304,686 275,378 - 239,402 205,194 155,940 131,122 120,252
Average Total Equity 16,287 15,410 14,636 13,830 - 14,304 12,127 7,724 6,224 5,174
Cwip - 109.00 - 28.00 - 31.00 20.00 14.00 8.00 10.00
Capital Employed 19,320 19,105 16,554 15,616 14,618 13,943 16,213 9,240 6,807 5,642
Cash Equivalents 642.00 1,821 1,257 1,559 576.00 1,169 1,375 1,099 691.00 1,244
Fixed Assets 674.00 2,143 460.00 1,549 393.00 997.00 6,605 585.00 322.00 370.00
Gross Block - 2,860 - 2,245 - 1,661 7,231 1,057 769.00 781.00
Invested Capital -351,043 -318,610 -311,864 -277,419 -250,895 -226,475 -202,313 -165,962 -121,686 -120,995
Investments 360,174 334,756 325,023 291,128 264,936 238,197 216,551 173,564 127,256 124,958
Loans N Advances 9,548 1,138 10,015 349.00 - 1,053 601.00 539.00 546.00 435.00
Long Term Borrowings 2,350 2,950 950.00 - 950.00 - - - - -
Net Debt -358,466 -333,627 -325,330 -291,737 -264,562 -238,416 -217,326 -174,063 -127,947 -126,202
Net Working Capital -351,717 -320,862 -312,324 -278,996 -251,288 -227,503 -208,938 -166,561 -122,016 -121,375
Other Asset Items - 9,445 - 8,075 1,743 6,623 5,583 3,854 3,401 2,797
Other Borrowings - 2,950 - 950.00 - 950.00 600.00 600.00 - -
Other Liability Items 351,717 326,686 320,201 283,456 258,000 229,986 211,425 168,132 123,839 124,378
Reserves 14,814 14,002 13,452 12,515 11,518 10,844 13,501 6,619 4,788 3,625
Share Capital 2,156 2,153 2,152 2,151 2,150 2,149 2,113 2,021 2,019 2,017
Short Term Loans And Advances - - 7,877 - 4,969 - - - - -
Total Assets 371,037 349,412 336,755 302,687 272,618 248,069 230,734 179,655 132,224 130,020
Total Borrowings 2,350 2,950 950.00 950.00 950.00 950.00 600.00 600.00 - -
Total Equity 16,970 16,155 15,604 14,666 13,668 12,993 15,614 8,640 6,807 5,642
Total Equity And Liabilities 371,037 349,412 336,755 302,687 272,618 248,069 230,734 179,655 132,224 130,020
Total Liabilities 354,067 333,257 321,151 288,021 258,950 235,076 215,120 171,015 125,417 124,378
Trade Payables - 3,621 - 3,615 - 4,140 3,096 2,283 1,578 -
Trade Receivables - - - - - - - - - 206.00

๐Ÿ’ต Cash Flows

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Cash From Financing Activity 1,607 -403.00 1,985 -238.00 678.00 38.00 -337.00 -196.00
Cash From Investing Activity -13,633 -13,622 -10,071 -801.00 -8,952 -7,789 -10,182 -4,421
Cash From Operating Activity 15,597 10,721 6,883 5,943 9,703 7,388 9,868 6,739
Cash Paid For Acquisition Of Companies - - - -726.00 - - - -
Cash Paid For Purchase Of Fixed Assets -301.00 -136.00 -88.00 -57.00 -61.00 -39.00 -45.00 -34.00
Cash Paid For Purchase Of Investments -117,147 -127,358 -112,196 -98,963 -91,133 -106,732 -58,110 -60,629
Cash Paid For Redemption And Cancellation Of Shares - - - 98.00 - - - -
Cash Receipts From Deposits - - - - - - -38.00 -
Cash Received From Borrowings 2,000 - 350.00 - 600.00 - - -
Cash Received From Issue Of Shares 106.00 74.00 2,031 207.00 76.00 33.00 60.00 132.00
Cash Received From Sale Of Fixed Assets 4.00 2.00 2.00 1.00 1.00 2.00 2.00 1.00
Cash Received From Sale Of Investments 92,209 97,845 85,880 93,382 76,947 92,010 41,765 51,483
Change In Other Working Capital Items - - - - - - -731.00 -
Change In Payables - - - - - - -19,702 -
Change In Receivables - - - - - - 30,339 -
Change In Working Capital - - - - - - 9,868 -
Direct Taxes Paid -261.00 1,392 -462.00 -195.00 -253.00 -278.00 - -
Interest Paid -499.00 -477.00 -399.00 -448.00 - - -396.00 -329.00
Interest Received - - - 10,562 8,341 - - 4,730
Investment Income - - - - - 6,310 5,627 -
Net Cash Flow 3,572 -3,304 -1,203 4,904 1,429 -364.00 -651.00 2,122
Operating Deposits - - - - - - -38.00 -
Other Cash Financing Items Paid 1.00 - 3.00 3.00 2.00 5.00 - 1.00
Other Cash Investing Items Paid 11,603 16,026 16,331 -5,097 -3,046 660.00 580.00 28.00
Other Cash Operating Items Paid 15,858 9,330 7,346 6,137 9,956 7,666 - -
Profit From Operations - - - - - - - 6,739

๐Ÿงพ Shareholding Pattern

Nse Code Date Promoters Fii Dii Public Others
Hdfclife 2025-06-30 - 24.75 14.57 10.37 0.03
Hdfclife 2025-03-31 - 24.96 14.10 10.60 0.03
Hdfclife 2024-12-31 - 25.14 13.72 10.76 0.03
Hdfclife 2024-09-30 - 25.63 13.25 10.75 0.03
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