HDFC Life Financials
NSE: HDFCLIFE | BSE: 540777
₹514.00
As on 09-Sep-2026IST
Market cap
₹1,11,747 Cr
Revenue (TTM)
₹79,949 Cr
P/E Ratio
56.6
P/B Ratio
5.7
Div. Yield
0.4 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Profit from Policy Holders Technical A/c
|
--
|
1,201.14
|
1,006.94
|
806.87
|
1,472.18
|
1,105.72
|
|||||
|
Income From Investments
|
--
|
1,482.66
|
1,129.97
|
1,006.59
|
723.90
|
813.10
|
|||||
|
Other Income
|
24,708.88
|
102.37
|
71.13
|
58.95
|
92.78
|
19.01
|
|||||
|
Operating Expenses
|
--
|
130.20
|
100.87
|
99.90
|
89.64
|
73.94
|
|||||
|
Expenses Related to Investments
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Provisions for Doubtfull Debt
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Other Expenses
|
--
|
350.20
|
218.03
|
168.81
|
151.83
|
113.96
|
|||||
|
Provisions for Diminution in Value of Investments
|
--
|
14.72
|
13.30
|
5.65
|
-23.94
|
-33.32
|
|||||
|
Other Provisions
|
--
|
458.92
|
98.77
|
128.28
|
878.76
|
554.44
|
|||||
|
Profit before Taxation
|
2,130.50
|
1,962.33
|
1,877.94
|
1,569.67
|
1,282.21
|
1,302.76
|
|||||
|
Provisions for Taxation
|
155.34
|
50.01
|
67.12
|
-4.41
|
-86.07
|
-24.18
|
|||||
|
Profit after Taxation
|
1,975.16
|
1,912.32
|
1,810.82
|
1,574.08
|
1,368.28
|
1,326.93
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
19,562.04
|
17,460.55
|
15,708.64
|
14,215.84
|
12,973.45
|
15,528.54
|
|||||
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Non-Current Liabilities
|
3,85,234.20
|
3,101.39
|
2,950.00
|
950.00
|
950.00
|
600.00
|
|||||
|
Current Liabilities
|
9,086.54
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Total Liabilities
|
4,13,882.78
|
3,79,344.58
|
3,39,706.15
|
2,93,844.73
|
2,39,700.75
|
2,23,786.69
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
2,87,705.11
|
746.22
|
608.60
|
420.34
|
382.38
|
5,984.14
|
|||||
|
Current Assets
|
9,002.55
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Total Assets
|
4,13,882.78
|
3,79,344.58
|
3,39,706.15
|
2,93,844.73
|
2,39,700.75
|
2,23,786.69
|
|||||
|
Total Debt*
|
--
|
3,099.00
|
2,950.00
|
950.00
|
950.00
|
600.00
|
|||||
|
Net Current Assets
|
-83.99
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Contingent Liabilities
|
--
|
1,873.52
|
2,387.59
|
2,105.51
|
910.08
|
1,482.98
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
22,625.06
|
15,597.07
|
10,721.36
|
6,883.17
|
5,942.54
|
|||||
|
Cash Flow from Investing Activities
|
--
|
-23,871.12
|
-13,638.24
|
-13,624.63
|
-10,087.38
|
-806.95
|
|||||
|
Cash from Financing Activities
|
--
|
-274.64
|
1,607.47
|
-403.39
|
1,984.71
|
-238.19
|
|||||
|
Net Cash Inflow / Outflow
|
--
|
-1,520.70
|
3,566.30
|
-3,306.66
|
-1,219.50
|
4,897.40
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
9.14
|
8.86
|
8.41
|
7.32
|
6.37
|
6.28
|
|||||
|
Cash EPS (₹)
|
9.09
|
8.86
|
8.41
|
7.32
|
6.37
|
6.28
|
|||||
|
Adjusted Book Value (₹)
|
90.04
|
80.86
|
72.96
|
66.09
|
60.34
|
73.49
|
|||||
|
Dividend per Share (₹)
|
0.41
|
2.10
|
2.10
|
2.00
|
1.90
|
1.70
|
|||||
|
Cash Flow per Share (₹)
|
--
|
104.85
|
72.44
|
49.85
|
32.02
|
28.13
|
|||||
|
Free Cash Flow per Share (₹)
|
--
|
7.39
|
6.83
|
7.11
|
5.84
|
5.90
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
10.01
|
11.10
|
10.79
|
8.54
|
10.36
|
|||||
|
ROE (%)
|
10.63
|
11.54
|
12.10
|
11.58
|
9.60
|
11.08
|
|||||
|
ROA (%)
|
0.51
|
0.53
|
0.57
|
0.59
|
0.59
|
0.67
|
|||||
|
EBIT Margin (%)
|
-28.24
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Net Margin (%)
|
1.89
|
1,868.05
|
2,545.79
|
2,670.20
|
1,474.71
|
6,980.96
|
|||||
|
Cash Profit Margin (%)
|
--
|
2.46
|
2.59
|
2.53
|
2.41
|
2.84
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
11.31
|
11.35
|
12.44
|
9.20
|
21.53
|
--
|
|||||
|
EBIT Growth (%)
|
15.34
|
-43.92
|
-20.66
|
36.46
|
-388.13
|
-513.79
|
|||||
|
Net Profit Growth (%)
|
5.05
|
5.61
|
15.04
|
15.04
|
3.12
|
-2.49
|
|||||
|
EPS Growth (%)
|
4.63
|
5.37
|
14.93
|
14.96
|
1.35
|
-6.72
|
|||||
|
Book Value Growth (%)
|
--
|
11.08
|
10.50
|
9.60
|
-16.46
|
84.16
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
56.58
|
66.60
|
81.51
|
--
|
78.44
|
85.70
|
|||||
|
Price / Book Value
|
5.71
|
7.30
|
9.40
|
9.58
|
8.28
|
7.32
|
|||||
|
Dividend Yield (%)
|
0.41
|
0.36
|
0.31
|
0.32
|
0.38
|
0.32
|
|||||
|
EV/EBITDA
|
53.54
|
288.88
|
319.91
|
711.42
|
70.41
|
91.98
|
|||||
|
Close Price (₹)
|
575.85
|
590.60
|
685.70
|
633.35
|
499.20
|
538.20
|
|||||
|
High Price (₹)
|
818.90
|
820.75
|
761.20
|
710.60
|
620.70
|
775.65
|
|||||
|
Low Price (₹)
|
543.00
|
583.95
|
511.10
|
486.70
|
457.80
|
497.05
|
|||||
|
Market Cap (₹ Cr)
|
1,11,747.11
|
--
|
--
|
--
|
--
|
--
|
Solvency Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
0.16
|
0.18
|
0.19
|
0.07
|
0.07
|
0.04
|
|||||
|
Short term debt to equity ratio
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Current Ratio
|
0.99
|
1.03
|
1.03
|
0.91
|
0.87
|
0.90
|
|||||
|
Quick Ratio
|
0.99
|
1.03
|
1.03
|
0.91
|
0.87
|
0.90
|
|||||
|
Interest Coverage
|
--
|
--
|
--
|
--
|
--
|
--
|
Operating Efficiency Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debtors to sales (%)
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Asset Turnover
|
0.20
|
0.22
|
0.22
|
0.23
|
0.25
|
0.24
|
|||||
|
Receivable days
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Inventory Days
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Payable days
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Cash Conversion Cycle
|
--
|
--
|
--
|
--
|
--
|
--
|