HDFC Life Analyst Rating
based on 32 analysts
84.85%
Buy
15.15%
Hold
0.00%
Sell
Based on 32 analysts offering long term price targets for HDFC Life. An average target of ₹793.06
Source: S&P Global Market Intelligence
HDFC Life Share analysis
HDFC Life price forecast by 32 analysts
Upside of23.49%
High
₹900
Target
₹793.06
Low
₹570
HDFC Life target price ₹793.06, a slight upside of 23.49% compared to current price of ₹642.2. According to 32 analysts rating.
Excluding Excise Duty and Other Income, represents Net Revenue
HDFC Life revenue growth forecast
Expected growth rate Q1, FY2027:28.87%
Forecast
Actual
Including amortisation and stock based compensations
HDFC Life EPS growth forecast
EPS estimate Q1, FY2027:73.63%
Forecast
Actual
Source: S&P Global Market Intelligence
HDFC Life Performance
Day's Low
Day's High
₹633.4Day's Price Range₹649.9552 Week's Low
52 Week's High
₹511.452-Week Price Range₹761.2
| Returns % | |
| 1 Month Return | + 2.83 % |
| 3 Month Return | -13.5 % |
| 1 Year Return | + 5.66 % |
| Market Stats | |
| Previous Close | ₹641.40 |
| Open | ₹640.00 |
| Volume | 36.72L |
| Upper Circuit | - |
| Lower Circuit | - |
| Market Cap | ₹1,38,080.77Cr |
HDFC Life Key Statistics
| P/E Ratio | 79.09 |
| PEG Ratio | 78.31 |
| Market Cap | ₹1,38,080.77 Cr |
| P/B Ratio | 9.29 |
| EPS | 7.32 |
| Dividend Yield | 0.32 |
| Sector | Insurance |
| ROE | 11.55 |
HDFC Life Peer Comparison
Company | Analyst View | Market Cap | 5 Year CAGR | Debt to Asset Ratio | Net Profit | Yearly Revenue |
|---|---|---|---|---|---|---|
| BUY | ₹1,38,080.77 Cr | 1.47% | 0.98 | ₹1,574 Cr | ₹1,01,481 Cr | |
| BUY | ₹1,51,676.19 Cr | 11.39% | 0.98 | NA | NA | |
| BUY | ₹94,486.23 Cr | 8.77% | 0.53 | NA | NA | |
| BUY | ₹94,141.92 Cr | 6.45% | 0.98 | ₹850 Cr | ₹90,307 Cr | |
| BUY | ₹5,34,051.18 Cr | -0.47% | 0.99 | ₹40,915 Cr | ₹8,45,966 Cr |
HDFC Life Mutual Fund Holdings
About HDFC Life
The company also offers a range of popular brands such as Click2Protect, Smart Woman, Smart Kid, Saral Jeevan Bima and Super Income Plan. HDFC Life Insurance Company Ltd also provides additional services such as wealth management, estate planning and retirement planning.
Share Price: ₹642.20 per share as on 17 Jan, 2025 04:01 PM
Market Capitalisation: ₹1,38,080.77Cr as of today
Revenue: ₹17,270.97Cr as on December 2024 (Q4 24)
Net Profit: ₹421.31Cr as on December 2024 (Q4 24)
Listing date: 17 Nov, 2017
Chairperson Name: Deepak Parekh
| Organisation | HDFC Life |
| Headquarters | Mumbai |
| Industry | Insurance |
| E-voting on shares | Click here to vote |
Key events for HDFC Life Insurance Company Ltd
HDFC Life Shares Surge on Strong Q3 Results - 17 Jan, 2025
HDFC Life shares rose 8% following strong third-quarter results, with CLSA maintaining an outperform rating and a target price of Rs 690. Analysts express concerns over regulatory uncertainties affecting sentiment.HDFC Life Reports Strong Q3 Results, Shares Surge - 16 Jan, 2025
HDFC Life Insurance Company reported a 14.63% YoY profit increase for Q3 FY25, leading to a 10% surge in share price. Analysts remain bullish, with HSBC and Morgan Stanley raising target prices. Trading volume spiked significantly, indicating strong investor interest.HDFC Life Reports Strong Q3 Results and Growth - 15 Jan, 2025
HDFC Life Insurance Company reported a 14% increase in Q3FY25 PAT to ₹415 crore, despite a significant drop in total income. The company plans to address bancassurance mis-selling concerns while achieving strong growth in AUM and APE. Overall, HDFC Life exceeded market expectations on key metrics, showcasing resilience and growth in the competitive insurance landscape.HDFC Life Anticipates Profit Growth Amid Margin Concerns - 14 Jan, 2025
HDFC Life is projected to see a 21% YoY increase in profit for Q3 FY25, but analysts warn of margin compression due to new surrender regulations. The stock has faced challenges, including a decline in new business premiums and reduced buy ratings.HDFC Life Reports Mixed Performance Ahead of Q3 Results - 13 Jan, 2025
HDFC Life anticipates a 13.6% growth in APE for Q3FY25, but faces margin contraction due to regulatory changes. December premiums fell 4.5% YoY, while individual APE grew 12.3%. Analysts maintain a buy rating despite challenges.HDFC Life Set to Release Quarterly Results - 12 Jan, 2025
HDFC Life Insurance Company is scheduled to announce its quarterly results for the October to December period next week, influencing market sentiment.HDFC Life Positioned for Strong Growth Ahead - 07 Jan, 2025
HDFC Life Insurance is projected to achieve a 17% CAGR in APE through FY27, supported by a diversified product portfolio and a solid market share.HDFC Life Faces GST Orders Amid Profit Growth - 02 Jan, 2025
HDFC Life Insurance Company received GST orders totaling ₹261 crore from Maharashtra for 2020-2021. Despite this, the company reported a 14.91% rise in net profit for Q2 FY25.Kotak Reiterates Buy Rating on HDFC Life - 31 Dec, 2024
Kotak Institutional Equities maintains a 'buy' rating on HDFC Life, with a target price of ₹850, indicating a 38% upside. The brokerage emphasizes strong business fundamentals and growth potential, despite regulatory concerns.HDFC Life Reports Q2 Profit Growth Amid Challenges - 30 Dec, 2024
HDFC Life Insurance's Q2 net profit rose 15% YoY to ₹433 crore, missing estimates. Management anticipates 18-20% growth for FY25, focusing on VNB growth.HDFC Life Insurance Stock Downgraded to 'Sell' - 27 Dec, 2024
HDFC Life Insurance has been downgraded to a 'Sell' rating due to bearish momentum and underperformance, with a -3.42% return over the past year. Despite positive financial results and a low Debt to Equity ratio of 0.04, technical indicators suggest continued bearish trends. Institutional holdings have slightly increased to 38.87%.
Insights on HDFC Life Insurance Company Ltd
Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.
POSITIVE IMPACTMF Holding Up
Mutual Funds have increased holdings from 9.31% to 10.63% in Sep 2024 quarter
NO EFFECTAgainst Peers
In the last 1 year, ICICI Prudential Life Insurance Company Ltd has given 21.9% return, outperforming this stock by 24.3%
- NO EFFECT
Against Peers
In the last 3 years, SBI Life Insurance Company Ltd has given 16.1% return, outperforming this stock by 26.8%
NEGATIVE IMPACTRetail Holding Down
Retail Investor have decreased holdings from 11.73% to 10.77% in Sep 2024 quarter
- NEGATIVE IMPACT
Price Dip
In the last 3 months, HDFCLIFE stock has moved down by -19.0%
- NEGATIVE IMPACT
Promoter Holding Down
Promoters have decreased holdings from 50.37% to 50.34% in Sep 2024 quarter
- NEGATIVE IMPACT
FII Holding Down
Foreign Institutions have decreased holdings from 26.63% to 25.63% in Sep 2024 quarter
- NEGATIVE IMPACT
Revenue Fall
Revenue is down for the last 2 quarters, 28.77K Cr → 17.27K Cr (in ₹), with an average decrease of 40.0% per quarter
- NEGATIVE IMPACT
Profit Down
Netprofit is down for the last 3 quarters, 478.97 Cr → 421.31 Cr (in ₹), with an average decrease of 6.2% per quarter
News
HDFC Life Insurance Q3FY25 Report and Target Price Update
In Q3FY25, the Gross Written Premium (GWP) amounted to INR 172,750 Mn, marking an 11.6% YoY growth (-4.2% QoQ). While the growth was broad-based, the GWP lagged our estimates by 4.8%, driven by weaker-than-expected growth in both first-year premiums and renewals. The Value of the New Business (VNB) grew by 9.1% YoY (-0.2% QoQ), led by healthy growth in APE. VNB was 3.7% lower than our estimates. PAT for Q3FY25 was INR 4,149 Mn, a growth of 13.7% YoY/ (-4.2% QoQ). We lower our FY26E and FY27E EVPS by 2.9% and 3.4%, respectively, due to macro factors such as the potential impact of market volatility on ULIP demand, slower recovery in the credit life segment amid high NPAs, and the challenges posed by stricter regulatory norms. However, we maintain our BUY rating on the stock with a target price of INR 820 per share (INR 845) and assign a P/EV multiple of 2.3x (earlier 2.7x on FY26E) on FY27E EVPS of INR 356.9.17 Jan, 2025 01:27 PMHDFC Life Shares Jump 8% After Strong Profit Report
Shares of HDFC Life on Thursday jumped eight per cent after the firm reported a 14 per cent rise in net profit to Rs415 crore in the December quarter. The stock ended 7.92 per cent higher at Rs641.30 on the BSE. During the day, it surged 11.15 per cent to Rs660.55. At the NSE, it soared 7.99 per cent to Rs641.70. Intra-day, it rallied 11.67 per cent to Rs663.60. In traded volume terms, 10.99 lakh shares of the firm were traded at the BSE and 241.99 lakh shares at the NSE during the day.17 Jan, 2025 01:08 PMEmkay Global Financial Recommends Buy on HDFC Life Insurance with Target of Rs 775
HDFCLIFE reported an impressive performance in 9MFY25, with APE 1.6% above our estimate at Rs102.9bn, and VNB margin at 25.1% above our estimate of 24.5% resulting in a 4.2% beat on VNB at Rs25.9bn. Despite implementation of the new surrender regulations, VNB margin for the Quarter at 26.1% came in better than our estimate of 24.2%, driven by better product-level margins on account of better persistency and higher attachment rate of protection products. The management changed the commission structure by introducing a claw-back provision, or deferring the commission or by reducing commission, to mitigate the impact of the new surrender regulations. The management remains confident of delivering 18-20% APE growth and VNB growth of around 15% for FY25E. To bake in the Q3 developments, we increase our APE estimates by ~1% and VNB margin estimates by 10-40bps, resulting in a ~2-3% increase in VNB over FY25-27E. Given the favorable valuations, we re-iterate BUY with unchanged Dec-25E TP of Rs775, implying FY26E P/EV of 2.6x.17 Jan, 2025 10:27 AMHDFC Life Financials
Index Inclusions
HDFC Life Shareholding Pattern
| Investors | Holdings % | FY Quarter | 3M change |
|---|---|---|---|
| Promoter Holdings | 50.34% | ||
| Foreign Institutions | 25.63% | ||
| Mutual Funds | 10.63% | 14.17 | |
| Retail Investors | 10.77% | ||
| Others | 2.65% | 34.98 |
HDFC Life Key Indicators
HDFC Life Valuation
HDFC Life in the last 5 years
Lowest (51.17x)
March 23, 2020
Industry (21.56x)
January 17, 2025
Today (79.09x)
January 17, 2025
Highest (131.62x)
October 5, 2021
HDFC Life Earnings and Dividends
HDFC Life Insurance Company Ltd Earnings Results
HDFC Life Insurance Company Ltd’s net profit jumped 14.63% since last year same period to ₹421.31Cr in the Q3 2024-2025. On a quarterly growth basis, HDFC Life Insurance Company Ltd has generated -3.19% fall in its net profits since last 3-months.
Read More about Earnings ResultsHDFC Life Insurance Company Ltd Dividends April,2024
In the quarter ending March 2024, HDFC Life Insurance Company Ltd has declared dividend of ₹2 - translating a dividend yield of 0.61%.
Read More about Dividends
HDFC Life Technicals Summary
Bearish
Neutral
Bullish
HDFC Life Insurance Company Ltd is currently in a Bullish trading position according to technical analysis indicators.
FAQs on HDFC Life Insurance Company Ltd
HDFC Life Insurance Company Ltd share price today stands at ₹642.2, Open. ₹640 ; Previous Close. ₹641.4 ; High. ₹649.95 ; Low. ₹633.4 ; 52 Week High. ₹761.2 ; 52 Week Low: ₹511.4.
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HDFC Life Insurance Company Ltd is listed on NSE
HDFC Life Insurance Company Ltd is listed on BSE
- Today’s highest price of HDFC Life Insurance Company Ltd is ₹649.95.
- Today’s lowest price of HDFC Life Insurance Company Ltd is ₹633.4.
PE Ratio of HDFC Life Insurance Company Ltd is 79.09
PE ratio = HDFC Life Insurance Company Ltd Market price per share / HDFC Life Insurance Company Ltd Earnings per share
Today’s traded volume of HDFC Life Insurance Company Ltd(HDFCLIFE) is 36.72L.
Today’s market capitalisation of HDFC Life Insurance Company Ltd(HDFCLIFE) is ₹138080.77Cr.
| HDFC Life Insurance Company Ltd(HDFCLIFE | Price |
|---|---|
52 Week High | ₹761.2 |
52 Week Low | ₹511.4 |
HDFC Life Insurance Company Ltd(HDFCLIFE) share price is ₹642.2. It is down -15.63% from its 52 Week High price of ₹761.2
HDFC Life Insurance Company Ltd(HDFCLIFE) share price is ₹642.2. It is up 25.58% from its 52 Week Low price of ₹511.4
| HDFC Life Insurance Company Ltd(HDFCLIFE | Returns |
|---|---|
1 Day Returns | 0.8% |
1 Month Returns | 2.83% |
3 Month Returns | -13.5% |
1 Year Returns | 5.66% |