Canara HSBC Life Insurance Company Ltd.
NSE: CANHLIFECanara HSBC Life Insurance Company Ltd.: A 30-second snapshot
Canara HSBC Life Insurance (CANHLIFE) is a bancassurance-focused life insurer listed on NSE, trading at Rs 135.43 with a trailing PE of 101.83 and a forward PE of 71.28. The stock is 5.7% below its 50-DMA, down 7.56% over 3 months, and 14.82% off its 52-week high, with the 200-DMA unavailable due to a limited price history of 139 bars. ROE stands at 8.11% and profit margin at 1.08%.
P/E
101.8
Forward P/E
71.3
ROE
+8.1%
Debt / Equity
15.57
Profit Margin
+1.1%
Div. Yield
—
5Y ROE > 15%
0/5
5Y FCF > 0
2/5
Quality
33/100
News
5 headlines · 4 positive · 0 negative
Buy Canara HSBC Life Insurance; target of Rs 180: Motilal Oswal - Moneycontrol.com
Moneycontrol.com
Canara HSBC Life Insurance FY26 Results: PAT ₹1,266 mn, Management Guidance Update - scanx.trade
scanx.trade
Canara HSBC Life Insurance Closes FY26 with 19% WPI Growth; Gross Premium Crosses ₹10,000 Crore - PR Newswire
PR Newswire
Canara HSBC Life Insurance Q4 Net Profit at ₹34.13 Cr; Recommends ₹0.40 Final Dividend - PSU Connect
PSU Connect
Canara HSBC Life Insurance Posts Analyst Meet Audio on FY 2026 Results - TipRanks
TipRanks
Recent context
- ·FY26 annual results reported PAT of Rs 1,266 million and a Q4 net profit of Rs 34.13 crore, with management providing a guidance update at an analyst meet held April 28, 2026.
- ·Canara HSBC Life Insurance FY26 gross premium crossed Rs 10,000 crore on 19% WPI growth, with the company issuing a press release via PR Newswire on April 28, 2026.
- ·Motilal Oswal published a note on April 29, 2026 citing a stated price target of Rs 180 — this is a named third-party broker view and does not represent a VivaTrades assessment.
Strengths
- +FY26 gross written premium crossed Rs 10,000 crore with 19% Weighted Premium Income (WPI) growth year-on-year, indicating operational scale expansion in the core insurance business.
- +Forward PE of 71.28 represents a meaningful compression from the trailing PE of 101.83, implying analyst earnings growth expectations are building into valuations for the year ahead.
- +News flow over the tracked window is 4 positive and 0 negative out of 5 articles, with FY26 results and analyst coverage generating the majority of coverage.
- +A Q4 dividend of Rs 0.40 per share was declared for FY26, marking a return of capital to shareholders and a first observable dividend in the tracked fundamental data.
Weaknesses
- −ROE of 8.11% has never exceeded 15% in any tracked year and is below all five sector peers (range 11.28–17.91%), with a quality score of 21 ranking 5th of 6 in the peer group.
- −Trailing PE of 101.83 is the highest among the 6-stock peer group (next highest: HDFCLIFE at 68.47), placing CANHLIFE at a significant valuation premium relative to its own return metrics.
- −5-year reported revenue growth of -55.3% combined with a profit margin of 1.08% reflects persistent structural profitability pressure; FCF was positive in only 2 of the tracked years.
- −Current price is below the 50-DMA with a 7.56% decline over 3 months and a 52-week drawdown of 14.82%; 200-DMA is unavailable due to insufficient price history (139 bars vs 200 required).
Open questions
- ?Does the 5-year revenue decline of -55.3% reflect a change in how gross vs net premium is reported, or does it indicate an underlying contraction in the active policyholder base?
- ?Given that ROE has never exceeded 15% in any tracked year and profit margin is 1.08%, what structural factors in the bancassurance model explain the gap between premium volume growth and bottom-line profitability?
- ?How does CANHLIFE's forward PE of 71.28 compare to HDFCLIFE — the most directly comparable listed life insurer in the peer group — and what earnings growth rate would be required to justify that valuation differential?
- ?What proportion of FY26 premium growth came from new business vs renewal premiums, and how does the persistency ratio trend affect the long-term earnings trajectory?
Peer comparison: Banking
Ranks 5 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CANHLIFE | Canara HSBC Life Insurance Company Ltd.You're viewing | 101.8 | +8.1% | 21 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹135.43
SMA 50
₹143.67
SMA 200
—
RSI (14)
39.4 (neutral)
From 52w high
-14.8%
1Y return
—
3M return
-7.6%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- high5-year reported revenue growth of -55.3% alongside a profit margin of 1.08% and ROE of 8.11% points to persistent structural profitability challenges; ROE has never exceeded 15% in any tracked year (roeYearsAbove15 = 0).
- highRanked 6th of 6 peers on PE (101.83 vs peer range 14.7–68.5), ROE (8.11% vs peer range 11.28–17.91%), and quality score (21 vs peer range 20–53); last across every ranked metric in the peer group.
- mediumD/E of 15.57 is structurally elevated; FCF positive in only 2 of available tracked years, indicating inconsistent cash generation relative to the consistency score of 24.
- mediumOnly 139 price bars available — below the 200 required for 200-DMA calculation; 1-year price return is also unavailable. Current price (Rs 135.43) is 5.7% below the 50-DMA (Rs 143.67) with a 3-month decline of 7.56% and a 14.82% drawdown from the 52-week high.
- lowTotal news coverage of 5 articles over the tracked window is sparse; sentiment reliability is limited at this sample size.
Cross-section contradictions
- FY26 gross premium crossed Rs 10,000 crore with 19% WPI growth per company announcements, yet the 5-year reported revenue growth figure stands at -55.3% — the two data points likely reflect different revenue definitions (net vs gross premium) and may not be directly comparable.
- News sentiment is 4 positive out of 5 articles and recent FY26 results were reported positively, yet the stock is down 7.56% over 3 months and 14.82% from its 52-week high.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days