ScoreWhy is HDFC Life Insurance Company Ltd ?
1
Company has a Debt to Equity ratio (avg) of 0.10 times
2
The company has declared positive results in Jun'2026 after 2 consecutive negative quarters
- OPERATING CF(Y) Highest at Rs 22,625.06 Cr
- NET SALES(Q) Highest at Rs 33,758.51 cr
- PBDIT(Q) Highest at Rs 505.81 cr.
3
With ROE of 10.1, it has a Very Attractive valuation with a 6.2 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 -28.69%, its profits have risen by 5.1% ; the PEG ratio of the company is 14.7
4
High Institutional Holdings at 39.46%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -28.69% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
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, Low Return
Absolute
Risk Adjusted
Volatility
HDFC Life Insur.
-28.69%
-1.23
23.38%
Sensex
-9.4%
-0.70
13.49%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.66%
EBIT Growth (5y)
5.77%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
2.44
Net Debt to Equity (avg)
0.12
Sales to Capital Employed (avg)
5.44
Tax Ratio
5.54%
Dividend Payout Ratio
23.70%
Pledged Shares
0
Institutional Holding
39.46%
ROCE (avg)
5.04%
ROE (avg)
10.23%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
61
Industry P/E
20
Price to Book Value
6.20
EV to EBIT
102.98
EV to EBITDA
102.98
EV to Capital Employed
5.65
EV to Sales
1.19
PEG Ratio
14.67
Dividend Yield
0.38%
ROCE (Latest)
5.48%
ROE (Latest)
10.10%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CF(Y)
Highest at Rs 22,625.06 Cr
NET SALES(Q)
Highest at Rs 33,758.51 cr
PBDIT(Q)
Highest at Rs 505.81 cr.
PBT LESS OI(Q)
Highest at Rs 505.81 cr.
PAT(Q)
Highest at Rs 611.19 cr.
EPS(Q)
Highest at Rs 2.81
-2What is not working for the Company
DPR(Y)
Lowest at 23.70%
Loading Valuation Snapshot...
Here's what is working for HDFC Life Insur.
Operating Cash Flow - Annually
Highest at Rs 22,625.06 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)
Net Sales - Quarterly
Highest at Rs 33,758.51 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 505.81 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 505.81 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 611.19 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 2.81
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for HDFC Life Insur.
Dividend Payout Ratio (DPR) - Annually
Lowest at 23.70%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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