Fundamentals scanner
Every ratio from the Fundamental Analysis track, computed on a real company and annotated with what the number actually means. Then the three financial statements, so you can do the cash-flow check yourself.
HDFC Life Insurance
Financial ServicesBearish- Market cap
- ₹1,16,383 Cr
- P/E
- 58.5x
- ROE
- 10.8%
- Debt / equity
- 0.16
What the company does
HDFC Life Insurance Company Limited engages in the provision of individual and group insurance solutions in India. It offers insurance and investment products, such as protection, pension, savings, investment, annuity, and health, as well as term, investment, life insurance, and NRI plans. The company was formerly known as HDFC Standard Life Insurance Company Limited changed its name to HDFC Life Insurance Company Limited in January 2019. HDFC Life Insurance Company Limited was incorporated in 2000 and is headquartered in Mumbai, India. HDFC Life Insurance Company Limited operates as a subsidiary of HDFC Bank Limited.
Valuation — what you are paying
How the price compares to earnings, assets and cash generation.
- P/E (trailing)58.5xWeak
You are paying 58.5 years of current profit for each share. The earnings yield is 1.7%.
- P/B (price to book)5.9xFair
The market values the company at 5.9× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
- EV / EBITDA48.4xWeak
This is the only common multiple that accounts for debt — it is what an actual acquirer would look at, because they would inherit the borrowings.
- Dividend yield0.39%Weak
Pays 0.39% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Profitability — is this a good business?
Returns on capital and margins, the numerical shadow of a moat.
- Return on equity10.8%Fair
Earns ₹10.8 of profit a year for every ₹100 of shareholders' money. Always check how much of this comes from leverage rather than the business.
- Return on assets0.4%Weak
ROE and ROA are reasonably close, so the returns come largely from the business itself rather than from borrowing.
- Operating margin2.0%Weak
Keeps ₹2.0 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
- Net margin1.9%Weak
A thin net margin. A modest rise in input costs or interest rates could erase it entirely.
Financial strength — can it survive a bad year?
Leverage and liquidity. This is where fragility shows up first.
- Debt to equity0.16Strong
A conservative balance sheet that can absorb a downturn without a crisis.
- Current ratio0.99Weak
More due within twelve months than is available within twelve months. Watch this closely.
- Total debt₹3099.00 CrNo data
Against cash of ₹774.36 Cr. Net debt is what matters, not gross borrowings.
- Free cash flow—No data
Not available.
Growth — is it getting bigger?
Revenue and earnings momentum, and how the two compare.
- Revenue growth (yoy)+15.2%Strong
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
- Earnings growth (yoy)+11.9%Fair
Profits are growing slower than sales, meaning margins are compressing. The company may be buying its growth.
- Revenue (TTM)₹1,04,232 CrNo data
EBITDA of ₹2438.34 Cr and operating cash flow of —.
- PEG ratio—No data
Not available.
Financial statements
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹98286.45 Cr | ₹96184.00 Cr | ₹1,00,941 Cr | ₹70705.45 Cr |
| Cost of revenue | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Gross profit | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating expenses | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating income | — | — | — | — |
| Interest expense | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Net profit | ₹1909.99 Cr | ₹1802.12 Cr | ₹1568.86 Cr | ₹1360.13 Cr |