ScoreWhy is HDFC Life Insurance Company Ltd ?
1
Company has a low Debt to Equity ratio (avg) at 0.08 times
2
Flat results in Sep 25
- NET SALES(Q) At Rs 20,650.68 cr has Fallen at -27.53%
- DPR(Y) Lowest at 24.97%
- NON-OPERATING INCOME(Q) is 33.26 % of Profit Before Tax (PBT)
3
With ROE of 11.2, it has a Fair valuation with a 9.7 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 19.49%, its profits have risen by 11.8% ; the PEG ratio of the company is 7.5
4
High Institutional Holdings at 39.41%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 19.49% in the last 1 year, much higher than market (BSE500) returns of 2.05%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to HDFC Life Insur. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HDFC Life Insur. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
HDFC Life Insur.
19.42%
0.95
20.58%
Sensex
4.67%
0.40
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.25%
EBIT Growth (5y)
5.82%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
4.66
Net Debt to Equity (avg)
0.10
Sales to Capital Employed (avg)
5.82
Tax Ratio
5.54%
Dividend Payout Ratio
24.97%
Pledged Shares
0
Institutional Holding
39.41%
ROCE (avg)
2.61%
ROE (avg)
11.43%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
87
Industry P/E
23
Price to Book Value
9.70
EV to EBIT
105.36
EV to EBITDA
105.36
EV to Capital Employed
8.91
EV to Sales
1.82
PEG Ratio
7.52
Dividend Yield
0.27%
ROCE (Latest)
8.45%
ROE (Latest)
11.16%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CF(Y)
Highest at Rs 15,597.06 Cr
PBT LESS OI(Q)
At Rs 314.66 cr has Grown at 201.61%
-7What is not working for the Company
NET SALES(Q)
At Rs 20,650.68 cr has Fallen at -27.53%
DPR(Y)
Lowest at 24.97%
NON-OPERATING INCOME(Q)
is 33.26 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for HDFC Life Insur.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 314.66 cr has Grown at 201.61%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs 15,597.06 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Here's what is not working for HDFC Life Insur.
Net Sales - Quarterly
At Rs 20,650.68 cr has Fallen at -27.53%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (Rs Cr)
Non Operating Income - Quarterly
is 33.26 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Dividend Payout Ratio (DPR) - Annually
Lowest at 24.97%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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