HDFC Life Insurance Company Ltd, Fundamental analysis

Industry Industry name	Insurance
Variance Full Year Net Profit Variance	6
Equity Latest Equity	2172.47
Face Value Latest Face Value	10
Reserves Total Reserve	17389.57
Dividend Full Year Dividend %	21
Sales Turnover Full Year Net Sales	99896.49
Net Profit Full Year Net Profit	1912.32
Full Year CPS Full Year Cash Per Share	9.5
Earning Per Share Full Year Earning Per Share	8.8
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	16898.95
Previous EPS Previous earnings per share	0
Book Value Book value	90
Networth Full Year Return on Networth	11.53
Price/Book Value Price to Book value	6.311111
Yearly PE ratio Full Year Price to Earning per share	64.5
Yearly PC ratio Full Year Price to Cash Per Share	59.5
Bse value BSE Value in lakhs	5512.12
Nse value NSE Value in lakhs	42812.56
High 52 week high	815
Low 52 week low	543
Price NSE Current market price	568
CPM Current market price	568

Market cap BSE / NSE Market Cap	123320.54
Net profit Latest Quarter Net Profit	611.19
Net profit variance Latest Quarter Net Profit variance	11
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	65614.22
TTM OP Trailing Twelve 12 month Operating Profit	1187.28
TTM OPM Trailing Twelve 12 month Operating Profit Margin	1.81
TTM GP Trailing Twelve 12 month Gross Profit	2130.5
TTM GPM Trailing Twelve 12 month Gross Profit Margin	2.63
TTM NP Trailing Twelve 12 month Net Profit	1693.33
TTM NPV Trailing Twelve 12 month Net Profit Variane	5.05
TTM EPS Trailing Twelve 12 month EPS	9.09
TTM PE Trailing Twelve 12 month PE	62.45
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	2172.47
LTP Latest Price (BSE/NSE)	568
Gross block Latest Gross Block	3534.42
Loans Total loans	3099
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	2.2
Year GPM Full Year Gross Profit Margin	2.2
Quarter OPM Latest quater Operation Profit Margin	4

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	16,614	16,832	23,843	14,539	18,871	18,351	25,998	16,728
YOY Sales Growth %	12%	10%	16%	16%	14%	9%	9%	15%
Gross Sales	16,614	16,832	23,843	14,539	18,871	18,351	25,998	16,728
Other Operating Income	11,883	468	348	14,924	1,779	11,076	-6,108	17,031
+ Expenses	16,923	16,384	23,466	14,100	18,557	18,081	25,890	16,222
Manufacturing Cost %	168%	94%	95%	193%	102%	153%	72%	193%
Employee Cost %	5%	5%	4%	6%	5%	6%	4%	6%
Other Cost %	-71%	-2%	-1%	-102%	-9%	-60%	24%	-102%
Other Manufacturing Expenses %	168%	94%	95%	193%	102%	153%	72%	193%
Selling & Administration %	1%	1%	1%	1%	1%	0%	0%	0%
Provisions & Contingencies %	-0%	0%	0%	-0%	-0%	0%	0%	-0%
Operating Profit	-310	448	377	439	315	271	109	506
OPM %	-2%	3%	2%	3%	2%	1%	0%	3%
+ Other Income	279	-29	124	164	157	174	428	171
Miscellaneous Income	279	-29	124	164	157	174	428	171
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	-30	419	500	604	471	445	537	677
+ Tax %	1541%	-1%	5%	9%	5%	6%	7%	10%
Current Tax	-465	-3	25	55	23	27	39	66
+ Net Profit	435	421	475	548	448	418	497	611
Net Profit After Minority Interest	435	421	475	548	448	418	497	611
EPS in Rs	2.02	1.96	2.21	2.55	2.08	1.94	2.31	2.83

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	30,647	32,260	38,857	29,380	71,528	67,126	70,207	101,482	96,922	99,432
Sales Growth %		5%	20%	-24%	143%	-6%	5%	45%	-4%	3%
Gross Sales	19,275	23,371	28,931	32,245	38,176	46,780	56,879	62,112	69,837	77,760
Other Operating Income	11,368	8,875	9,461	-2,842	33,352	20,346	13,328	39,370	27,085	21,671
+ Expenses	29,719	31,239	37,361	28,286	70,344	66,404	70,203	100,915	95,998	97,839
Manufacturing Cost %	85%	82%	84%	77%	91%	89%	86%	92%	92%	90%
Employee Cost %	4%	4%	4%	6%	2%	3%	4%	3%	3%	4%
Other Cost %	8%	11%	9%	13%	5%	7%	10%	4%	4%	4%
Other Manufacturing Expenses %	85%	82%	84%	77%	91%	89%	86%	92%	92%	90%
Selling & Administration %	7%	10%	5%	7%	4%	5%	7%	3%	2%	2%
Miscellaneous Expenses %	1%	1%	3%	6%	1%	2%	3%	1%	2%	2%
Provisions & Contingencies %	0%	-0%	0%	3%	-0%	-0%	0%	-0%	0%	0%
Operating Profit	927	1,021	1,496	1,094	1,184	721	4	567	924	1,592
OPM %	3%	3%	4%	4%	2%	1%	0%	1%	1%	2%
+ Other Income	139	282	21	369	445	766	1,437	410	366	465
Miscellaneous Income	139	281	506	367	445	766	1,437	527	463	924
Interest	9	11	14	0	0	0	0	0	0	0
Depreciation	41	44	45	47	51	56	76	79	104	161
Profit before tax	1,066	1,302	1,518	1,463	1,629	1,487	1,441	977	1,290	2,057
+ Tax %	16%	15%	1%	11%	16%	11%	5%	-61%	-40%	7%
Current Tax	174	193	13	166	268	160	73	-597	-521	145
+ Net Profit	892	1,109	1,278	1,297	1,361	1,327	1,368	1,574	1,811	1,912
Profit Growth %		24%	15%	2%	5%	-2%	3%	15%	15%	6%
Net Profit After Minority Interest	887	1,107	1,278	1,297	1,361	1,327	1,368	1,574	1,811	1,912
EPS in Rs	4.44	5.50	6.33	6.43	6.73	6.28	6.37	7.32	8.41	8.86

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	1,998	2,012	2,017	2,019	2,021	2,113	2,149	2,151	2,153	2,158
Reserves	1,828	2,692	3,625	4,782	6,617	13,497	10,841	12,515	14,001	15,591
+ Borrowings	0	0	0	0	600	600	950	950	2,950	3,099
Unsecured Borrowings	0	0	0	0	600	600	950	950	2,950	3,099
+ Other Liabilities	91,222	105,760	124,378	125,423	170,417	214,524	234,129	287,071	330,308	369,655
Current Liabilities	3,822	4,651	5,123	4,990	6,534	6,948	8,369	8,842	9,705	11,158
Provisions	47	44	59	76	94	112	128	114	118	215
Policy Holders Fund	0	0	119,254	0	0	0	0	0	0	0
Equity Application Money	0	1	0	6	2	3	3	0	1	1
Other liability items	87,448	101,127	0	120,427	163,881	207,573	225,758	278,228	320,602	358,496
Total Liabilities	95,049	110,464	130,020	132,224	179,655	230,734	248,069	302,687	349,412	390,502
+ Fixed Assets	337	336	324	322	585	6,605	997	1,549	2,143	2,716
Gross Block	681	718	781	769	1,057	7,231	1,661	2,245	2,860	3,534
Accumulated Depreciation	344	381	411	447	472	626	664	696	718	819
CWIP	16	5	10	8	14	20	31	28	109	139
Investments	91,723	106,590	124,958	127,256	173,564	216,551	238,197	291,128	334,756	373,340
+ Other Assets	2,972	3,533	4,729	4,637	5,493	7,559	8,844	9,982	12,404	14,308
Trade receivables	0	0	206	0	0	0	0	0	0	0
Cash Equivalents	797	1,111	1,244	691	1,099	1,375	1,169	1,559	1,821	1,990
Loans n Advances	2,174	2,422	3,199	3,648	3,969	4,912	6,090	6,527	8,205	9,491
Other asset items	0	0	80	299	424	1,272	1,585	1,897	2,378	2,827
Total Assets	95,049	110,464	130,020	132,224	179,655	230,734	248,069	302,687	349,412	390,502

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	6,230	6,739	9,868	7,388	9,703	5,943	6,883	10,721	15,597	22,625
Profit from Operations	6,230	6,739	0	0	0	0	0	0	0	0
Working Capital Changes	0	0	9,868	0	0	0	0	0	0	0
Receivables	0	0	30,339	0	0	0	0	0	0	0
Trade Payables	0	0	-19,702	0	0	0	0	0	0	0
Change in Deposits	0	0	-38	0	0	0	0	0	0	0
Direct Taxes Paid	0	0	0	-278	-253	-195	-462	1,392	-261	-195
+ Cash from Investing Activity	-5,177	-4,421	-10,182	-7,789	-8,952	-801	-10,071	-13,622	-13,633	-23,849
Purchase of Fixed Assets	-48	-34	-45	-39	-61	-57	-88	-136	-301	-287
Sale of Fixed Assets	0	1	2	2	1	1	2	2	4	3
Purchase of Investments	-142,426	-60,629	-58,110	-106,732	-91,133	-98,963	-112,196	-127,358	-117,147	-132,085
Sale of Investments	133,221	51,483	41,765	92,010	76,947	93,382	85,880	97,845	92,209	94,972
Investment Income	4,035	0	5,627	6,310	8,341	0	0	0	0	0
Interest Received	45	4,730	0	0	0	10,562	0	0	0	0
Acquisition of Companies	0	0	0	0	0	-726	0	0	0	0
Others	-6	28	580	660	-3,046	-5,097	16,331	16,026	11,603	13,548
+ Cash from Financing Activity	-236	-196	-337	38	678	-238	1,985	-403	1,607	-275
Proceeds from Issue of Shares	29	132	60	33	76	207	2,031	74	106	258
Proceeds from Other Long-Term Borrowings	0	0	0	0	600	0	350	0	2,000	749
Share Application Money	0	1	0	5	2	3	3	0	1	1
Repayment of Long-Term Borrowings	0	0	0	0	0	0	0	0	0	-600
Interest Paid	-264	-329	-396	0	0	-448	-399	-477	-499	-683
Net Cash Flow	817	2,122	-651	-364	1,429	4,904	-1,203	-3,304	3,572	-1,499