HDFC LIFE INSURANCE COMPANY LIMITED
What stands out?
The strongest observations the engine found, ranked. Every line is generated from the filed numbers by a fixed rule — no opinion, no estimate.
Nothing crossed the threshold for this company yet — see the data-coverage note below.
Who is this company?
Classified by the exchange under Financial Services › Financial Services › Insurance › Life Insurance.
- Market cap
- ₹1.15 L cr
- FY2026 net premium
- ₹77,760 cr
- FY2026 net profit
- ₹1,912 cr
- Net worth
- ₹17,750 cr
- Total assets
- ₹3,79,345 cr
- EPS (basic)
- ₹8.86
- Listed
- NSE · BSE
- Reporting
- IRDAIApr–Mar
Peer set used on this page: 4 life insurance.
Is the business growing?
Net premium and profit over the loaded history are shown above.
- Net premium growth per year
- +11.3%over 1 years
- Net premium growth
- +11.3%vs last year
- Net profit growth
- +5.6%vs last year
- Change in net profit since FY25
- +6%
What changed recently?
Quarterly results, the trailing-twelve-months snapshot, and verified corporate actions — kept separate from each other and from the annual story above. Every figure traces to a filed number; nothing here is external news or commentary.
Q1 FY27 net premium was ₹16,728 cr, up 15.1% from ₹14,539 cr in Q1 FY26 a year earlier.
Rule QTR_REVENUE_GROWTH_YOY
Q1 FY27 net profit was ₹611 cr, up 11.5% from ₹548 cr a year earlier.
Rule QTR_PROFIT_GROWTH_YOY
Q1 FY27 claims ratio was 49.2%, down 10.73 percentage points from 60.0% a year earlier.
Rule QTR_INSURER_CLAIMS_RATIO_CHANGE_YOY
A. Quarterly results
| Quarter | Net premium | YoY | Net profit | YoY |
|---|---|---|---|---|
| Q4 FY25 | 23,843 | — | 475 | — |
| Q1 FY26 | 14,539 | — | 548 | — |
| Q2 FY26 | 18,871 | — | 448 | — |
| Q3 FY26 | 18,351 | — | 418 | — |
| Q4 FY26 | 25,998 | +9.0% | 497 | +4.7% |
| Q1 FY27 | 16,728 | +15.1% | 611 | +11.5% |
B. TTM snapshot
Trailing twelve months to 30 Jun 2026 · sum of the last 4 contiguous quarters
- Net premium
- ₹79,949 crTTM
- PBT
- ₹2,029 crTTM
- Net profit
- ₹1,975 crTTM
C. Corporate actions
Is it becoming more profitable?
The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.
- Net margin
- 1.9%
- Expense ratio
- 21.3%
- Benefits / premium
- 49.6%
- ROE FY2026
- 11.3%
Is financial health improving?
Leverage and cash generation over the loaded history are shown above.
- Net worth
- ₹17,750 cr
- Total assets
- ₹3,79,345 cr
- Investments
- ₹3,75,448 cr
- Policyholders' surplus
- ₹350 cr
How does it compare with peers?
Ranked against 4 life insurance (FY2026, consolidated). No peer-relative rule fired for this company.
Revenue growth
HDFCLIFE · 2nd of 3 · set median 11.3%
Return on equity
HDFCLIFE · 3rd of 3 · set median 13.7%
P/E ratio
HDFCLIFE · 2nd of 4 · set median 62.4×
- P / E
- 58.2×TTM to Jun 26
- P / B
- 6.5×latest book
- P / S
- 1.4×TTM sales
- Earnings yield
- 1.7%TTM to Jun 26
On the trailing twelve months. Last full year: P/E 60.1× · P/S 1.2× · ROE 11.3%. TTM and full-year revenue differ by more than 15% — a one-off in a recent quarter is moving the trailing figure; weigh it against the full year.
How has the stock performed?
Long-term price performance is shown above.
- 1-year return
- −30.3%
- 3-year return
- −16.4%
- 5-year return
- −27.0%
- From 52-wk high
- −32.4%
What does the technical data say?
Price-action indicators as of 2026-10-01. Secondary to the fundamentals above — included for timing context, not as a signal.
- vs 50-day avg
- Below₹544
- vs 200-day avg
- Below₹626
- RSI (14)
- 46.2neutral
- MACD histogram
- -1.3
- From 52-wk high
- −32.4%
- From 52-wk low
- +3.6%
- 30-day volatility
- 31.7%ann.
- 6-month return
- −11.7%
What should I investigate further?
Observations the engine tagged watch or deteriorating — prompts for your own research, not conclusions.
Nothing is flagged for review for this company.
- Only 2 annual year(s) of financials loaded — multi-year trend analysis is limited.
The numbers
The full statements, kept deliberately secondary. Every figure traces to a BSE Integrated Filing (inline XBRL); ratios are recomputed from the normalised facts.
| Metric | FY25 | FY26 |
|---|---|---|
| Revenue | 69,837 | 77,760 |
| Total income | 96,184 | 98,770 |
| Gross premium income | 71,075 | 79,493 |
| Net premium income | 69,837 | 77,760 |
| Benefits paid (net) | 39,498 | 38,600 |
| Profit before tax | 1,878 | 1,962 |
| Net profit | 1,811 | 1,912 |
| EPS (₹) | 8.4 | 8.9 |
| Net worth | 16,155 | 17,750 |
| Investments | 3,36,399 | 3,75,448 |
| Operating cash flow | 15,597 | 22,625 |
| Ratio | FY25 | FY26 |
|---|---|---|
| Growth | ||
| Net premium growth YoY | — | 11.3 |
| Profit growth YoY | — | 5.6 |
| Profitability & efficiency | ||
| Net margin % | 1.9 | 1.9 |
| Expense ratio % | 19.8 | 21.3 |
| Benefits / premium % | 56.6 | 49.6 |
| Return on equity % | 11.2 | 11.3 |