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HDFC Life Insurance Company Ltd

Updated on July 7, 2020

Stock/Share Code - HDFCLIFE

Established in 2000, HDFC Life is a leading long-term life insurance solutions provider in India, offering a range of individual and group insurance solutions that meet various customer needs such as more

Below is the details of HDFCLIFE HDFC Life Insurance Company Ltd

Market Cap₹105,643 Cr.
Current Price ₹600.3 as on 13 Jul 20
52 Week High / Low Price₹646.4 / ₹339.15
Face Value₹10
Stock P/E81.56
Book Value₹33.65
Dividend Yield0.31 %
ROCE29.49 %
ROE24.61 %
Sales Growth (3yrs)28.36 %
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is virtually debt free. Company has a good return on equity (ROE) track record: 3 Years ROE 25.33% Company has been maintaining a healthy dividend payout of 25.02%
Cons: Stock is trading at 15.55 times its book value Promoter holding has decreased by -2.48% over last quarter Tax rate seems low Earnings include an other income of Rs.366.09 Cr.

HDFC Life Insurance Company Ltd Price Chart

HDFC Life Insurance Company Ltd Price Chart

HDFC Life Insurance Company Ltd Peer Comparison in Insurance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Life Insur. 81.56 ₹105,643.13 Cr. 0.31 ₹311.71 Cr. -14.37 -97.74 320.55 29.49
2. SBI Life Insuran ₹862.95 54.05 ₹76,867.29 Cr. 0.26 ₹530.67 Cr. 15.95 -66.87 5174.31 23.39
3. ICICI Lombard ₹1,273.85 49.52 ₹59,113.39 Cr. 0.46 ₹281.93 Cr. 23.80 9.94 2881.57 22.96
4. ICICI Pru Life ₹423.75 52.90 ₹56,444.17 Cr. 0.80 ₹178.73 Cr. -31.53 -152.46 -8338.31 19.30
5. General Insuranc ₹45 ₹24,298.44 Cr. 4.87 -₹1,035.54 Cr. -374.43 15.74 10032.58 5.19
6. New India Assura ₹286.55 18.82 ₹19,907.84 Cr. 1.24 ₹487.36 Cr. 539.26 22.19 8406.07 -13.12

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HDFC Life Insurance Company Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
Sales -6,5017,9499,7358,0616,8777,9419,36614,1768,6018,72911,700321
YOY Sales Growth %139%-34%6%-0%-4%76%25%10%25%-98%
Expenses -6,2227,7339,5167,7546,5307,6819,11314,0258,1928,49611,452117
Employee Cost %4%4%3%5%5%5%4%3%5%5%4%136%
Operating Profit279217219306347260253151409233248204
OPM %4%3%2%4%5%3%3%1%5%3%2%64%
Other Income673211171693321384326962203
Profit before tax345249231478415293274535442302310407
Tax %8%4%10%27%8%2%10%32%4%-2%19%23%
Net Profit316238207347380287246364425309250312
EPS in Rs1.581.191.041.731.891.431.221.812.101.531.241.54

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Sales -14,06017,16427,21318,13830,64232,24638,36029,351
Sales Growth %22.08%58.55%-33.35%68.94%5.23%18.96%
Expenses -13,53516,55926,33917,47329,66531,17037,29028,256
Manufacturing Cost %81%86%88%78%85%82%82%
Employee Cost %4%4%3%5%4%4%4%
Other Cost %11%7%6%13%8%11%11%
Operating Profit5256058746659771,0761,0701,095
OPM %4%4%3%4%3%3%3%4%
Other Income2824179398139281505366
Profit before tax5037949241,0101,0661,3021,5171,461
Tax %11%9%15%19%16%15%16%
Net Profit4487257868188921,1091,2771,295
EPS in Rs2.243.643.944.104.465.516.336.41
Dividend Payout %0%14%18%22%25%25%26%

Compounded Sales Growth

  • 5 Years:: 17.45%
  • 3 Years:: 28.36%
  • TTM:: -23.49%

Compounded Profit Growth

  • 5 Years:: 11.98%
  • 3 Years:: 15.98%
  • TTM:: 1.45%

Return on Equity

  • 1 Year:: 18.46%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -1,9951,9951,9951,9951,9982,0122,0172,019
Equity Capital1,9951,9951,9951,9951,9982,0122,0172,019
Other Liabilities -40,58150,34766,76773,44091,267105,763124,343125,368
Trade Payables5445165946589341,1781,5090
Other liability items40,03749,83166,17372,78290,334104,585122,833125,368
Total Liabilities41,91852,27569,30976,54995,106110,481130,001132,162
Fixed Assets -252279345334337336323330
Gross Block512533628647679716732
Accumulated Depreciation260254282312343380409
Other Assets -1,2321,4571,9321,9723,0163,5374,1164,606
Cash Equivalents4644455726477961,1081,240680
Loans n Advances6909651,2341,2332,1712,4102,7963,926
Other asset items7848126934819800
Total Assets41,91852,27569,30976,54995,106110,481130,001132,162

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity -4,4615,6906,2396,7419,871
Profit from operations4,4615,6906,2396,7419,871
Cash from Investing Activity --3,516-4,045-5,106-4,423-10,186
Fixed assets purchased-108-33-48-34-45
Fixed assets sold01012
Investments purchased-41,286-45,916-142,354-60,628-378,356
Investments sold35,09538,441133,22151,482362,650
Interest received2,8643,4334,0334,7285,625
Other investing items-82294228-61
Cash from Financing Activity --168-212-236-196-337
Proceeds from shares042913260
Interest paid fin-168-216-264-329-396
Share application money00010
Application money refund0000-0
Net Cash Flow7771,4338972,122-652

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Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROCE %49%41%36%31%31%29%
Debtor Days0000000
Inventory Turnover

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All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.