HDFC Life Insurance Company Limited Stock Price Today (NSE: HDFCLIFE)
Fundamental Score
HDFC Life Insurance Company Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
HDFC Life Insurance Company Limited share price today is ₹590.60, down 0.44% on NSE/BSE as of 30 March 2026. HDFC Life Insurance Company Limited (HDFCLIFE) is a Large-cap company in the Life Insurance sector with a market capitalisation of ₹1.65L (Cr). The 52-week high for HDFCLIFE share price is ₹820.75 and the 52-week low is ₹590.05. At a P/E ratio of 87.32x, HDFCLIFE is currently trading above its industry average P/E of 83.91x. The company has a Return on Equity (ROE) of 10.80% and a debt-to-equity ratio of 0.14.
HDFC Life Insurance Company Limited Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
HDFC Life Insurance Company Limited Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
HDFC Life Insurance Company Share Price: A ROCE-Focused Analysis
The life insurance sector, unlike many others, benefits from a significant 'float' – premiums received upfront that are invested to generate returns before claims are paid out. This creates a unique dynamic where investment acumen is as crucial as underwriting prowess. Our analysis focuses on the HDFC Life Insurance Company share price within this context, specifically examining Return on Capital Employed (ROCE) efficiency. Currently trading at ₹703.5 with a Price-to-Earnings (PE) ratio of 87.32 and a ROCE of 6.58%, HDFC Life presents an interesting case for evaluation.
A ROCE of 6.58% indicates the company's efficiency in generating profits from its capital employed. While not inherently low, it's crucial to benchmark this against its peers. Competitors like SBI Life Insurance Co Ltd and Canara HSBC should be analyzed to ascertain if HDFC Life is optimizing its capital as effectively. Furthermore, the high PE ratio suggests that the market has high growth expectations baked into the current HDFC Life Insurance Company share price.
The 6.58% ROCE directly impacts the company's economic moat. A higher ROCE typically suggests a stronger moat, derived from factors like brand reputation, distribution network, or cost advantages. With a relatively modest ROCE, HDFC Life's moat strength might be more reliant on brand recognition and its established distribution channels. It is worth noting that factors beyond financial ratios can influence the strength of the "moat". For instance, comparing HDFC Life Insurance Company Limited with peers like
Max Financial Services Ltd, one might assess relative management quality, which is a qualitative factor impacting long-term strategic decisions and capital allocation.The sustainability of HDFC Life's current valuation hinges on its ability to improve its ROCE. Increasing operational efficiency, improving underwriting practices, or generating higher investment returns could all contribute to ROCE expansion. A declining ROCE, conversely, could signal challenges in maintaining profitability and investor confidence. This financial analysis, part of a broader 80-parameter fundamental audit, is verified by Sweta Mishra and is observational in nature. It does not constitute investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
HDFC Life Insurance Company Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of HDFCLIFE across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Consistent Growth Track Record (25.90% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Conservative Debt Levels (D/E: 0.14)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Cash Generation (₹48213.75 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (50.25%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Strong Institutional Confidence (FII+DII: 39.41%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 factors identified
Suboptimal ROCE (6.58%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (0.93%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Premium Valuation Risk (P/E: 87.32x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Revenue Contraction (-27.53%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Weak Earnings Growth (3.76% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
HDFC Life Insurance Company Limited Financial Statements
Comprehensive financial data for HDFC Life Insurance Company Limited including income statement, balance sheet and cash flow
About HDFCLIFE (HDFC Life Insurance Company Limited)
HDFC Life Insurance Company Limited is a prominent player in the Indian life insurance sector, offering a broad spectrum of solutions designed to meet diverse financial needs. Its ...portfolio encompasses a range of individual and group insurance products, carefully crafted to provide financial security and long-term growth opportunities. These offerings extend beyond basic protection, incorporating avenues for wealth accumulation and retirement planning. HDFC Life aims to empower customers to navigate life's uncertainties with confidence by providing tailored insurance plans that suit varying risk appetites and financial goals. These may include options designed to provide income after retirement or provide a monetary benefit to family members should the policyholder pass away. The company distinguishes itself through its commitment to delivering comprehensive financial protection. Its suite of products includes traditional life insurance plans that offer a lump-sum payment upon maturity or death, alongside modern investment-linked insurance plans (ULIPs) that combine insurance coverage with market-linked returns. This dual approach allows policyholders to safeguard their loved ones and simultaneously pursue their financial aspirations. Additionally, HDFC Life provides specialized products such as pension plans for retirement security, health insurance for medical emergencies, and annuity plans for guaranteed income streams. Each product is engineered to meet the evolving needs of customers and secure their future. As a well-established life insurance provider, HDFC Life Insurance Company Limited operates with the goal of providing a trusted and reliable means for individuals and families to build a secure financial future. Its focus on innovation and customer-centricity ensures that it remains responsive to the ever-changing demands of the Indian insurance market. Through its extensive distribution network and digital platforms, HDFC Life strives to make insurance accessible to a wider audience, empowering individuals to make informed decisions about their financial well-being. HDFC Life offers Indians means for investment and security during life.
Company Details
Key Leadership
Corporate Events
Latest News
HDFCLIFE Share Price: Frequently Asked Questions
What is the current share price of HDFC Life Insurance Company Limited (HDFCLIFE)?
As of 30 Mar 2026, 12:07 pm IST, HDFC Life Insurance Company Limited share price is ₹590.60. The HDFCLIFE stock has a market capitalisation of ₹1.65L (Cr) on NSE/BSE.
Is HDFCLIFE share price Overvalued or Undervalued?
HDFCLIFE share price is currently trading at a P/E ratio of 87.32x, compared to the industry average of 83.91x. Based on this relative valuation, the HDFC Life Insurance Company Limited stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of HDFCLIFE share price?
The 52-week high of HDFCLIFE share price is ₹820.75 and the 52-week low is ₹590.05. These values are updated daily from NSE/BSE price data.
What factors affect the HDFC Life Insurance Company Limited share price?
Key factors influencing HDFCLIFE share price include quarterly earnings growth (Sales Growth: -27.53%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is HDFC Life Insurance Company Limited a good stock for long-term investment?
HDFC Life Insurance Company Limited shows a 5-year Profit Growth of 5.10% and an ROE of 10.80%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.14 before investing in HDFCLIFE shares.
How does HDFC Life Insurance Company Limited compare with its industry peers?
HDFC Life Insurance Company Limited competes with major peers in the Life Insurance. Investors should compare HDFCLIFE share price P/E of 87.32x and ROE of 10.80% against the industry averages to determine competitive standing.
What is the P/E ratio of HDFCLIFE and what does it mean?
HDFCLIFE share price has a P/E ratio of 87.32x compared to the industry average of 83.91x. Investors pay ₹87 for every ₹1 of annual earnings.
How is HDFCLIFE performing according to Bull Run's analysis?
HDFCLIFE has a Bull Run fundamental score of 40.7/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does HDFCLIFE belong to?
HDFCLIFE operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting HDFC Life Insurance Company Limited share price.
What is Return on Equity (ROE) and why is it important for HDFCLIFE?
HDFCLIFE has an ROE of 10.80%, which shows decent profitability but room for improvement. ROE measures how efficiently HDFC Life Insurance Company Limited generates profits from shareholders capital.
How is HDFCLIFE debt-to-equity ratio and what does it indicate?
HDFCLIFE has a debt-to-equity ratio of 0.14, which indicates conservative financing with low financial risk.
What is HDFCLIFE dividend yield and is it a good dividend stock?
HDFCLIFE offers a dividend yield of 0.27%, meaning you receive ₹0.27 annual dividend for every ₹100 invested in HDFC Life Insurance Company Limited shares.
How has HDFCLIFE share price grown over the past 5 years?
HDFCLIFE has achieved 5-year growth rates of: Sales Growth 25.90%, Profit Growth 5.10%, and EPS Growth 3.76%.
What is the promoter holding in HDFCLIFE and why does it matter?
Promoters hold 50.25% of HDFCLIFE shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in HDFC Life Insurance Company Limited.
What is HDFCLIFE market capitalisation category?
HDFCLIFE has a market capitalisation of ₹165333 crores, placing it in the Large-cap category.
How volatile is HDFCLIFE stock?
HDFCLIFE has a beta of N/A. A beta > 1 suggests the HDFC Life Insurance Company Limited stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is HDFCLIFE operating profit margin trend?
HDFCLIFE has a 5-year average Operating Profit Margin (OPM) of 0.93%, indicating the company's operational efficiency.
How is HDFCLIFE quarterly performance?
Recent quarterly performance shows HDFC Life Insurance Company Limited YoY Sales Growth of -27.53% and YoY Profit Growth of 3.01%.
What is the institutional holding pattern in HDFCLIFE?
HDFCLIFE has FII holding of 24.82% and DII holding of 14.59%. Significant institutional holding often suggests professional confidence in the HDFC Life Insurance Company Limited stock.