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    Financial Services

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    Insurance - Life
HDFC Life Insurance Company Limited

HDFC Life Insurance Company Limited

HDFCLIFE.NS
HDFC Life Insurance Company LimitedIN flagNational Stock Exchange of India
555.70
INR
-16.75
- -
1.20TMarket Cap
HDFC Life Insurance Company Limited
HDFCLIFE.NS
(National Stock Exchange of India)

Recent

price

555.70

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
69.88
85.18
135.34
90.2
152.88
161.32
190.23
142.06
355.73
329.84
329.29
445.66
418.55
424.93
461.89
Revenue per Share
2.23
3.61
3.91
4.07
4.41
5.52
6.34
6.43
6.74
6.49
6.41
7.32
8.41
8.87
8.74
Basic EPS, GAAP
-0.33
-0.2
-0.54
-0.17
-0.24
-0.17
-0.22
-0.19
-0.3
-0.28
-0.41
-0.63
-1.4
-1.33
- -
Free Cash Flow per Basic Share
- -
0.58
0.83
1.08
1.32
1.64
1.97
- -
- -
2.19
1.87
2.22
- -
- -
- -
Dividend per Share
14.13
11.1
11.84
14.83
17.94
21.93
26.23
32.62
39.37
43.8
43.24
48.33
54.72
61.41
10.02
Book Value per Share
14.97
11.8
12.47
15.3
18.83
23.36
27.79
33.56
42.61
48.62
60.64
67.86
74.82
81.8
79.08
Tangible Book Value per Share
2,009
2,009
2,009
2,009
2,009
2,005
2,015
2,018
2,018
2,045
2,133
2,150
2,152
2,156
2,151
Basic Weighted Avg Shares
140,390
171,130
271,885
181,207
307,132
323,397
383,219
286,675
717,841
674,427
702,463
958,233
900,685
916,062
993,659
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
351
409
430
452
412
447
455
468
509
563
759
788
1,039
1,606
- -
Depreciation Expense
4,472
7,253
7,855
8,168
8,869
11,072
12,779
12,974
13,609
13,269
13,683
15,741
18,108
19,123
18,802
Net Income, GAAP
0.94
- -
2.37
1.99
2.42
1.58
1.01
1.25
- -
- -
- -
- -
3.57
2.55
3.2
Effective Tax Rate (%)
3.19
4.24
2.89
4.51
2.89
3.42
3.33
4.53
1.9
1.97
1.95
1.64
2.01
2.09
1.89
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
6,000
6,000
9,500
9,500
29,500
30,990
29,500
LT Debt
30,244
23,980
25,413
31,035
38,263
47,353
56,426
68,066
86,398
156,133
129,931
146,663
161,546
177,495
170,126
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
34.1
30.79
27.21
27.94
26.69
22.15
- -
- -
- -
- -
14.94
13.75
45.83
Return on Capital (%)
- -
28.62
34.1
30.5
26.94
27.68
26.4
21.87
18.74
15.7
15.05
16.05
16.34
15.29
87.34
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
19,500
29,500
29,500
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,152
2,152
2,154
Market Capitalization
1,327,016
1,474,717
1,751,812

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
6,343
76,144
5,670
Accounts Receivable, Net
- -
15,552
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.06%
19.37%
9.87%
Free Cash Flow
30.7%
43.81%
-4.53%
Net Income, GAAP
9.16%
7.26%
5.61%
Sales/Revenue/Turnover
24.87%
6.04%
1.71%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
234,141
231,512
269,680
280,610
958,233
2025
269,305
284,997
172,467
241,499
900,685
2026
294,696
294,208
198,154
- -
916,062

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.94
1.76
1.71
- -
7.32
2025
2.23
2.02
1.96
2.21
8.41
2026
2.55
1.94
2.31
- -
8.87

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.22
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
HDFC Life Insurance Company Limited is a leading Indian life insurance provider, established in 2000 and headquartered in Mumbai, India. The company offers a comprehensive portfolio of individual and group insurance solutions including protection plans such as term insurance; pension plans ensuring financial security post-retirement; savings and investment plans aimed at wealth creation with life cover; annuity plans offering steady post-retirement income; and health insurance products covering medical expenses and critical illness benefits. These products are supported by optional riders that enhance coverage catering to diverse customer needs. HDFC Life operates primarily across India, serving a broad customer base encompassing individual policyholders and corporate clients through its extensive distribution network. It caters to various segments within life insurance including protection, pension, savings, investment, annuity, and health insurance. The company is listed and continues to expand its reach and offerings in the long-term life insurance market. Significant recent developments at HDFC Life include executive changes in its key managerial personnel in mid-2025 to comply with regulatory mandates from the Insurance Regulatory and Development Authority of India (IRDAI) regarding segregation of compliance and secretarial functions. The company appointed a new company secretary and compliance officer as part of this change. Additionally, HDFC Life underwent a major ownership consolidation as the merger of its parent entities, HDFC Ltd. and HDFC Bank, was completed, repositioning the bank as a key stakeholder and strategic partner. This merger is expected to enhance HDFC Life's operational synergies and distribution capabilities. The company continues to launch innovative insurance and investment products, including USD-based insurance plans for Indians abroad through its international arm. Formerly known as HDFC Standard Life Insurance Company Limited until a name change in January 2019, HDFC Life remains affiliated with prominent financial groups including HDFC Bank and Abrdn (formerly Standard Life Aberdeen). It maintains a strong presence in the Indian life insurance industry through a wide range of offerings and continuous strategic expansions. Overall, HDFC Life Insurance Company Limited is a comprehensive life insurance solutions provider with a strong focus on product innovation, regulatory compliance, and strategic growth in the Indian market and internationally through specialized products.