ScoreWhy is HDFC Life Insurance Company Ltd ?
1
Company has a low Debt to Equity ratio (avg) at 0 times
2
Flat results in Dec 24
- NET SALES(Q) Lowest at Rs 17,300.27 cr
3
Stock is technically in a Mildly Bullish range
- The technical trend has improved from Sideways on 20-Mar-25 and has generated 1.59% returns since then
- The stocks MACD and KST technical factors are also Bullish
4
With ROE of 11.1, it has a Expensive valuation with a 9.3 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 10.23%, its profits have risen by 14.6% ; the PEG ratio of the company is 5.8
5
High Institutional Holdings at 38.88%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating Performance
- Even though the market (BSE 500) has generated negative returns of -0.99% in the last 1 year, the stock has been able to generate 10.23% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to HDFC Life Insur. should be less than 10%
- Overall Portfolio exposure to Finance/NBFC should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance/NBFC)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HDFC Life Insur. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
HDFC Life Insur.
10.28%
0.43
23.84%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.43%
EBIT Growth (5y)
-7.04%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
2.61
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
5.72
Tax Ratio
5.54%
Dividend Payout Ratio
27.33%
Pledged Shares
0
Institutional Holding
38.88%
ROCE (avg)
1.96%
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
84
Industry P/E
20
Price to Book Value
9.33
EV to EBIT
205.22
EV to EBITDA
205.22
EV to Capital Employed
8.69
EV to Sales
1.48
PEG Ratio
5.83
Dividend Yield
0.29%
ROCE (Latest)
4.23%
ROE (Latest)
11.05%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
PBDIT(Q)
Highest at Rs 448.03 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 2.59%
PBT LESS OI(Q)
Highest at Rs 448.03 cr.
-6What is not working for the Company
NET SALES(Q)
Lowest at Rs 17,300.27 cr
Loading Valuation Snapshot...
Here's what is working for HDFC Life Insur.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 448.03 cr has Grown at 69.61 %
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 448.03 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 2.59%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 448.03 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Here's what is not working for HDFC Life Insur.
Net Sales - Quarterly
At Rs 17,300.27 cr has Fallen at -35.75 %
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (Rs Cr)
Net Sales - Quarterly
Lowest at Rs 17,300.27 cr
in the last five quartersMOJO Watch
Near term sales trend is negative
Net Sales (Rs Cr)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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