HDFC Life Insurance Company Ltd.
NSE: HDFCLIFEHDFC Life Insurance Company Ltd.: A 30-second snapshot
HDFCLIFE trades at Rs 536, down 28.82% over the past 12 months and 34% below its 52-week high, sitting below both its 50-day (Rs 564.01) and 200-day (Rs 657.73) moving averages. Trailing PE of 58.71 is well above the peer range of 13.85-33.63x among the comparison set of banks and one NBFC, where the stock ranks last on both PE and composite quality score (33/100). Mean analyst rating stands at 1.29 across 34 analysts on a 1-5 scale where lower is more constructive.
P/E
58.7
Forward P/E
44.8
ROE
+10.8%
Debt / Equity
15.84
Profit Margin
+1.9%
Div. Yield
+0.4%
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
50/100
News
7 headlines · 2 positive · 2 negative
Time To Worry? Analysts Just Downgraded Their HDFC Life Insurance Company Limited (NSE:HDFCLIFE) Outlook - simplywall.st
simplywall.st
India's HDFC Life posts quarterly profit rise on higher premium collection - Yahoo Finance Singapore
Yahoo Finance Singapore
HDFC Life Establishes Expeditious Claim Settlement Framework for all impacted by Assam Floods - ANI News
ANI News
HDFC Life காப்பீடு: ₹70 லட்சம் க்ளைம் நிராகரிப்பு செல்லும் - நுகர்வோர் ஆணையம் தீர்ப்பு! - Whalesbook
Whalesbook
HDFC Life Insurance to attend three investor conferences in August 2026 - scanx.trade
scanx.trade
Recent context
- ·Analysts revised their outlook lower per a July 17, 2026 simplywall.st report, one of five tracked headlines from the past month.
- ·Quarterly profit rose on higher premium collection according to a July 15, 2026 Yahoo Finance Singapore report.
- ·A consumer forum ruling on a Rs 70 lakh claim rejection was reported August 6, 2026; separately, the company announced an expedited claim-settlement framework for policyholders affected by the Assam floods on August 11, 2026. Overall news sentiment across 7 tracked headlines was 2 positive, 3 neutral, 2 negative, labeled neutral.
Strengths
- +Revenue grew 15.2% and earnings grew 11.9% over the trailing 5-year window tracked in the fundamental data.
- +Free cash flow was positive in 4 of the tracked years (fcfPositiveYears = 4).
- +Mean analyst rating of 1.29 across 34 analysts (1-5 scale, lower = more constructive).
- +Quarterly profit rose on higher premium collection per July 15, 2026 reporting; the company also said it would attend three investor conferences in August 2026.
Weaknesses
- −ROE of 10.8% has not exceeded 15% in any tracked year, and both the composite quality score (33/100) and consistency score (31/100) sit at the bottom of their respective 0-100 scales.
- −Price is 4.97% below the 50-day moving average and 18.51% below the 200-day moving average, down 28.82% over 12 months and 11.63% over the past 3 months.
- −Trailing PE of 58.71 (forward 44.76) is above the peer range of 13.85-33.63x, and the stock ranks last (6 of 6) on both PE and quality score within its comparison set; ROE of 10.8% is below the 13.35%-16.07% range reported by peers with ROE data.
- −Net profit margin is 1.9% and the persistence data flags a rising debt trend; the underlying debtToEquity figure (15.842, or roughly 0.16x on an actual-ratio basis) reflects policyholder liabilities rather than a directly comparable industrial-leverage measure.
Open questions
- ?Does the mean analyst rating of 1.29 reflect forward-looking premium or value-of-new-business assumptions not yet visible in the trailing ROE and quality-score metrics?
- ?What is driving the rising debt trend flagged in the persistence data, and how does it map to policyholder liabilities versus operating leverage for a life insurer?
- ?How much of the 34% drawdown from the 52-week high reflects broader multiple compression across insurers and financials versus company-specific factors?
- ?What would need to change in ROE or quality-score trends for HDFCLIFE's trailing PE of 58.71 to converge toward the peer range of 13.85-33.63x?
Peer comparison: Banking
Ranks 6 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| HDFCLIFE | HDFC Life Insurance Company Ltd.You're viewing | 58.7 | +10.8% | 33 |
| Industry avg | across 5 peers | 22.8 | +14.4% | 57 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| ICICIBANK | ICICI Bank Ltd. | 18.5 | +16.1% | 64 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
Technical state
Current price
₹536.00
SMA 50
₹564.01
SMA 200
₹657.73
RSI (14)
37.6 (neutral)
From 52w high
-34.0%
1Y return
-28.8%
3M return
-11.6%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE of 10.8% has not exceeded 15% in any tracked year (roeYearsAbove15 = 0), alongside a composite quality score of 33/100 and consistency score of 31/100, both bottom-tier on a 0-100 scale. Net profit margin is 1.9% and the persistence data flags the debt trend as rising; reported debtToEquity of 15.842 converts to roughly 0.16x on an actual-ratio basis, but as a life insurer this figure embeds policyholder liabilities rather than operating debt and is not directly comparable to industrial-company leverage benchmarks.
- mediumCurrent price of Rs 536 is 4.97% below the 50-day moving average (Rs 564.01) and 18.51% below the 200-day moving average (Rs 657.73). The stock is down 28.82% over the past 12 months and 11.63% over the past 3 months, and sits 34% below its 52-week high. RSI of 37.59 remains in neutral territory rather than an oversold reading.
- mediumTrailing PE of 58.71 (forward PE 44.76) is well above the peer PE range of 13.85-33.63 across the five-stock comparison set, and HDFCLIFE ranks last (6 of 6) on both PE and composite quality score (33 vs a peer range of 37-70). ROE of 10.8% is below the 13.35%-16.07% range reported by the three peers with ROE data.
- lowThe comparison peer set (AXISBANK, HDFCBANK, ICICIBANK, BAJFINANCE, BAJAJFINSV) is composed of banks and one NBFC rather than other life insurers, which limits how directly the PE, ROE and quality-score rankings above can be read across differing business models. priceChange1Y is null for all five peers, so no 12-month price comparison across the set is available. Only one support level (Rs 530.5) is recorded against three resistance levels (Rs 561.95, Rs 588, Rs 605).
Cross-section contradictions
- Mean analyst rating of 1.29 across 34 analysts (1-5 scale, lower = more constructive) sits alongside a 28.82% price decline over 12 months, a price below both the 50- and 200-day moving averages, and last-place rankings (6 of 6) on both PE and quality score within the peer comparison set.
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 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 Aug 2026 · rotates through NIFTY 500 every ~5 days