HDFC Life Insur.

Why is HDFC Life Insurance Company Ltd falling/rising?

As of 08-Aug, HDFC Life Insurance Company's stock is at 538.15, down 4.7 (-0.87%), with a year-to-date decline of 28.20% and a one-year return of -28.81%. Despite recent positive results, the stock's performance is significantly underwhelming compared to the benchmark Sensex, and investor interest has decreased markedly.

As of 08-Aug, HDFC Life Insurance Company Ltd's stock price is falling, currently at 538.15, which reflects a decrease of 4.7 (-0.87%). The stock has shown a significant decline over various time periods, with a year-to-date drop of 28.20% and a one-year return of -28.81%. This underperformance is notable compared to the benchmark Sensex, which has only decreased by 7.89% over the same period.<BR><BR>Today's performance indicates that the stock is close to its 52-week low, being just 1.43% away from Rs 530.45. Additionally, the stock has fallen after two consecutive days of gains, suggesting a trend reversal. It is also trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically indicates bearish sentiment.<BR><BR>Investor participation has notably decreased, with delivery volume dropping by 65.4% compared to the 5-day average, signaling reduced interest from investors. Although the company has recently declared positive results, including the highest operating cash flow and net sales in recent quarters, the overall long-term performance remains below par. The stock's high institutional holdings at 39.46% may not be enough to counteract the negative sentiment reflected in its substantial declines over the past year and longer periods.

Which are the latest news on HDFC Life Insur.?

Should I buy, sell or hold HDFC Life Insurance Company Ltd?

Are HDFC Life Insurance Company Ltd latest results good or bad?

HDFC Life Insurance Company's latest results are strong, with a 69.73% increase in net sales and a 22.85% rise in net profit. However, concerns about high valuations and competitive pressures suggest that investors should proceed with caution.

HDFC Life Insurance Company Ltd's latest results can be characterized as good in terms of operational performance, but there are some caveats to consider regarding valuation and market conditions.<BR><BR>In the most recent quarter, the company reported a significant increase in net sales, which surged by 69.73% quarter-on-quarter to ₹33,758.51 crores, and a healthy year-on-year growth of 14.58%. Additionally, net profit reached ₹611.19 crores, reflecting a 22.85% increase from the previous quarter and an 11.46% rise year-on-year. The improvement in profitability metrics is noteworthy, with the profit after tax (PAT) margin expanding to 3.65%, up from 1.91% in the previous quarter.<BR><BR>However, despite these positive results, there are concerns regarding stretched valuations and a competitive market environment. The company's return on equity (ROE) stands at 10.77%, which, while showing some improvement, is still below that of several peers in the insurance sector. The elevated price-to-earnings (P/E) ratio of 64.41x indicates that the stock is trading at a premium compared to the sector average, which raises questions about the sustainability of such valuations.<BR><BR>Overall, while HDFC Life's operational performance is strong, the market's perception of its valuation and competitive pressures may temper the outlook. Investors should be cautious and consider these factors when evaluating the company's future prospects.

When is the next results date for HDFC Life Insurance Company Ltd?

The next results date for HDFC Life Insurance Company Ltd is 15 July 2026.

The next results date for HDFC Life Insurance Company Ltd is scheduled for 15 July 2026.

What does HDFC Life Insur. do?

HDFC Life Insurance Company Limited, a large-cap insurer founded in 2000, reported net sales of ₹19,890 Cr and a net profit of ₹497 Cr for Q1 2026. Key metrics include a P/E ratio of 62.00, a dividend yield of 0.37%, and a market cap of ₹121,806 Cr.

Overview:<BR>HDFC Life Insurance Company Limited operates in the insurance industry and is classified as a large-cap company.<BR><BR>History:<BR>The company was incorporated in Mumbai on August 14, 2000, and was formerly known as HDFC Standard Life Insurance Company Limited. The latest quarterly results reported net sales and profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 19,890 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 497 Cr (Quarterly Results - Mar 2026)<BR>- Market cap: INR 121,806 Cr (Large Cap)<BR><BR>Key Metrics:<BR>- P/E: 62.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.37%<BR>- Debt Equity: 0.06<BR>- Return on Equity: 10.77%<BR>- Price to Book: 6.82<BR><BR>Contact Details:<BR>Address: 13th Floor Lodha Excelus, ApolloMills Compound Mahalaxmi Mumbai Maharashtra : 400011<BR>Tel: 91-22-67516666<BR>Email: investor.service@hdfclife.com<BR>Website: http://www.hdfclife.com

How big is HDFC Life Insur.?

As of 10th June, HDFC Life Insurance Company Ltd has a market capitalization of 121,806.00 Cr, with net sales of 99,431.50 Cr and a net profit of 1,912.32 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: HDFC Life Insurance Company Ltd has a market capitalization of 121,806.00 Cr and is classified as a Large Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 99,431.50 Cr, while the sum of Net Profit for the same period is 1,912.32 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025. Shareholder's Funds stand at 16,154.62 Cr, and Total Assets amount to 3,49,411.58 Cr.

Who are in the management team of HDFC Life Insur.?

The management team of HDFC Life Insurance includes Chairman Deepak Parekh, Managing Director & CEO Vibha Padalkar, and several other key members, along with independent directors such as Prasad Chandran and Sumit Bose, bringing diverse expertise to the company.

The management team of HDFC Life Insurance includes the following key members:<BR><BR>1. **Deepak Parekh** - Chairman (Non-Executive)<BR>2. **Keki Mistry** - Director<BR>3. **Vibha Padalkar** - Managing Director & CEO<BR>4. **Suresh Badami** - Deputy Managing Director<BR>5. **Niraj Shah** - Whole Time Director & CFO<BR>6. **Narendra Gangan** - Company Secretary & Compliance Officer<BR>7. **Kaizad Bharucha** - Non-Executive Director<BR><BR>Additionally, there are several independent directors on the board:<BR><BR>1. **VEGULAPARANAN KASI VISWANATHAN**<BR>2. **Prasad Chandran**<BR>3. **Sumit Bose**<BR>4. **Ketan Dalal**<BR>5. **Bharti Gupta Ramola**<BR>6. **Bhaskar Ghosh**<BR><BR>This diverse team brings a wealth of experience and expertise to HDFC Life Insurance.

Who are the peers of the HDFC Life Insur.?

HDFC Life Insurance's peers include SBI Life Insurance, ICICI Lombard, ICICI Prudential Life, Max Financial, and Niva Bupa Health, among others. HDFC Life has an average management risk and a 1-year return of -28.59%, underperforming compared to Max Financial's 2.82%.

Peers: The peers of HDFC Life Insur. are Life Insurance, SBI Life Insuran, ICICI Lombard, ICICI Pru Life, General Insuranc, Max Financial, Star Health Insu, Go Digit General, New India Assura, and Niva Bupa Health.<BR><BR>Quality Snapshot: Excellent management risk is observed at ICICI Lombard and Go Digit General, while Average management risk is found at Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, General Insuranc, Max Financial, Star Health Insu, and Niva Bupa Health, and the rest. Growth is rated as Good at Go Digit General and Niva Bupa Health, Average at SBI Life Insuran, HDFC Life Insur., General Insuranc, and the rest, and Below Average at Life Insurance, ICICI Pru Life, Max Financial, Star Health Insu, and New India Assura. All peers have an Excellent capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Max Financial at 2.82%, while the lowest is HDFC Life Insur. at -28.59%, indicating that HDFC Life Insur. performed worse than Max Financial. Additionally, the peers with negative six-month returns include HDFC Life Insur., ICICI Pru Life, Max Financial, Go Digit General, New India Assura, and the rest.

Is HDFC Life Insur. overvalued or undervalued?

As of November 28, 2025, HDFC Life Insurance is fairly valued with a PE ratio of 87.21 and has outperformed the Sensex with a year-to-date return of 24.1%, while its peers, Bajaj Finance and SBI Life Insurance, are rated as very expensive and very attractive, respectively.

As of 28 November 2025, HDFC Life Insurance has moved from an expensive to a fair valuation grade. The company is currently fairly valued, with a PE ratio of 87.21, an EV to EBITDA ratio of 105.66, and a ROE of 11.16%. In comparison to its peers, Bajaj Finance is rated as very expensive with a PE of 35.28, while SBI Life Insurance is considered very attractive with a PE of 80.42.<BR><BR>The valuation metrics indicate that HDFC Life Insurance is positioned reasonably within the industry, especially when compared to peers like Bajaj Finance and SBI Life Insurance. Despite its fair valuation, the company's recent stock performance has outpaced the Sensex, with a year-to-date return of 24.1% compared to the Sensex's 9.68%. This suggests a positive sentiment towards the stock, reinforcing its current valuation status.

Is HDFC Life Insur. technically bullish or bearish?

As of November 17, 2025, HDFC Life Insurance's trend is mildly bullish, supported by monthly indicators, though mixed signals from weekly metrics suggest a cautious outlook with potential volatility.

As of 17 November 2025, the technical trend for HDFC Life Insurance has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by the monthly MACD and Bollinger Bands indicating bullish conditions, while the weekly MACD and KST show mildly bearish signals. The daily moving averages are bullish, but the weekly Dow Theory indicates no trend. The RSI shows no signal on both weekly and monthly time frames. Overall, the mixed signals suggest a cautious bullish outlook with potential for volatility.

How has been the historical performance of HDFC Life Insur.?

HDFC Life Insurance's historical performance shows fluctuating net sales, peaking at 1,01,481.80 Cr in March 2024 before declining to 96,921.74 Cr in March 2025. However, operating profit and profit after tax increased, with total assets growing to 3,49,411.58 Cr and cash flow from operations improving to 15,597.00 Cr in March 2025, indicating strong liquidity.

Answer:<BR>The historical performance of HDFC Life Insurance shows a fluctuating trend in net sales, with a peak of 1,01,481.80 Cr in March 2024, followed by a decrease to 96,921.74 Cr in March 2025. The total operating income mirrored this trend, reaching 1,01,481.80 Cr in March 2024 and then falling to 96,921.74 Cr in March 2025. Operating profit (PBDIT) saw a significant increase to 1,289.74 Cr in March 2025 from 977.28 Cr in March 2024, although it had previously peaked at 1,628.67 Cr in March 2021. Profit after tax also increased to 1,810.82 Cr in March 2025, up from 1,574.08 Cr in March 2024, indicating a positive trend in profitability. The company's total assets rose to 3,49,411.58 Cr in March 2025, compared to 3,02,686.94 Cr in March 2024, reflecting growth in the balance sheet. Cash flow from operating activities improved significantly to 15,597.00 Cr in March 2025, up from 10,721.00 Cr in March 2024, while cash flow from investing activities remained negative but stable at around -13,632.00 Cr. The company maintained a strong cash position, ending with 11,089.00 Cr in cash and cash equivalents in March 2025.<BR><BR>Breakdown:<BR>HDFC Life Insurance's financial performance has shown notable fluctuations over the years. Net sales peaked at 1,01,481.80 Cr in March 2024 before declining to 96,921.74 Cr in March 2025. Operating profit (PBDIT) increased to 1,289.74 Cr in March 2025, a recovery from the previous year's 977.28 Cr, while profit after tax also rose to 1,810.82 Cr in March 2025, up from 1,574.08 Cr in March 2024. The company's total assets grew significantly to 3,49,411.58 Cr in March 2025, reflecting a robust balance sheet, and cash flow from operating activities saw a substantial increase to 15,597.00 Cr, indicating improved operational efficiency. Despite consistent negative cash flow from investing activities, the company ended with a strong cash position of 11,089.00 Cr in March 2025, showcasing its liquidity strength.

Who are the top shareholders of the HDFC Life Insur.?

The top shareholders of HDFC Life Insurance are HDFC Bank Ltd. with 50.32%, foreign institutional investors holding 24.95%, and mutual funds with 11.32%. Exide Industries Ltd. is the largest public shareholder at 4.04%, while individual investors own 5.58%.

The top shareholders of HDFC Life Insurance include HDFC Bank Ltd., which holds the largest stake at 50.32%. Other significant shareholders are foreign institutional investors (FIIs), with a collective holding of 24.95%, and mutual funds, which are represented by 40 schemes holding 11.32%. Additionally, Exide Industries Ltd. is the highest public shareholder with a stake of 4.04%. Individual investors collectively hold 5.58% of the company.

Has HDFC Life Insur. declared dividend?

Yes, HDFC Life Insurance Company Ltd has declared a 21% dividend, amounting to ₹2 per share, with an ex-date of June 21, 2024. The company has demonstrated positive total returns across various periods, reflecting strong performance for investors.

HDFC Life Insurance Company Ltd has declared a 21% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 21%<BR>- Amount per share: 2 per share<BR>- Ex-date: Jun-21-2024<BR><BR>Dividend Yield: 0.26%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 18.15%, the dividend return was 0.33%, resulting in a total return of 18.48%.<BR><BR>Over the past year, the price return reached 35.41%, with a dividend return of 0.72%, leading to a total return of 36.13%.<BR><BR>In the 2-year period, the price return was 29.85%, the dividend return was 0.65%, culminating in a total return of 30.5%.<BR><BR>For the 3-year period, the price return stood at 24.15%, the dividend return was 1.09%, resulting in a total return of 25.24%.<BR><BR>In the 4-year period, the price return was 10.51%, with a dividend return of 1.39%, leading to a total return of 11.9%.<BR><BR>Finally, over the last 5 years, the price return was 45.72%, the dividend return was 1.77%, resulting in a total return of 47.49%.<BR><BR>Overall, HDFC Life Insurance Company Ltd has shown a consistent dividend declaration and positive total returns across various periods, indicating a favorable performance for investors.