540777 Stock Overview
HDFC Life Insurance Company Limited provides individual and group insurance solutions in India.
HDFC Life Insurance Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹550.20|
|52 Week High||₹775.65|
|52 Week Low||₹497.30|
|1 Month Change||-8.19%|
|3 Month Change||-0.064%|
|1 Year Change||-19.77%|
|3 Year Change||12.48%|
|5 Year Change||n/a|
|Change since IPO||59.83%|
Recent News & Updates
|540777||IN Insurance||IN Market|
Return vs Industry: 540777 matched the Indian Insurance industry which returned -20.7% over the past year.
Return vs Market: 540777 underperformed the Indian Market which returned 0.3% over the past year.
|540777 Average Weekly Movement||4.4%|
|Insurance Industry Average Movement||4.2%|
|Market Average Movement||7.0%|
|10% most volatile stocks in IN Market||9.9%|
|10% least volatile stocks in IN Market||4.5%|
Stable Share Price: 540777 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: 540777's weekly volatility (4%) has been stable over the past year.
About the Company
HDFC Life Insurance Company Limited provides individual and group insurance solutions in India. It offers insurance and investment products, such as protection, pension, savings, investment, annuity, and health, as well as term, retirement, investment, children’s, and unit linked insurance, NRI, and group insurance plans. The company was formerly known as HDFC Standard Life Insurance Company Limited changed its name to HDFC Life Insurance Company Limited in January 2019.
HDFC Life Insurance Fundamentals Summary
|540777 fundamental statistics|
Is 540777 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|540777 income statement (TTM)|
|Cost of Revenue||₹598.10b|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||6.28|
|Net Profit Margin||1.96%|
How did 540777 perform over the long term?See historical performance and comparison
0.3%Current Dividend Yield
Is 540777 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 540777?
Other financial metrics that can be useful for relative valuation.
|What is 540777's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does 540777's PE Ratio compare to its peers?
|540777 PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
540719 SBI Life Insurance
540133 ICICI Prudential Life Insurance
MFSL Max Financial Services
LICI Life Insurance Corporation of India
540777 HDFC Life Insurance
Price-To-Earnings vs Peers: 540777 is expensive based on its Price-To-Earnings Ratio (87.6x) compared to the peer average (78.3x).
Price to Earnings Ratio vs Industry
How does 540777's PE Ratio compare vs other companies in the Asian Insurance Industry?
Price-To-Earnings vs Industry: 540777 is expensive based on its Price-To-Earnings Ratio (87.6x) compared to the Indian Insurance industry average (69.9x)
Price to Earnings Ratio vs Fair Ratio
What is 540777's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||87.6x|
|Fair PE Ratio||21.1x|
Price-To-Earnings vs Fair Ratio: 540777 is expensive based on its Price-To-Earnings Ratio (87.6x) compared to the estimated Fair Price-To-Earnings Ratio (21.1x).
Share Price vs Fair Value
What is the Fair Price of 540777 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 540777 (₹550.2) is trading above our estimate of fair value (₹111.42)
Significantly Below Fair Value: 540777 is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: 540777 is poor value based on its PEG Ratio (5.1x)
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How is HDFC Life Insurance forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 540777's forecast earnings growth (17.3% per year) is above the savings rate (6.8%).
Earnings vs Market: 540777's earnings (17.3% per year) are forecast to grow slower than the Indian market (17.4% per year).
High Growth Earnings: 540777's earnings are forecast to grow, but not significantly.
Revenue vs Market: 540777's revenue (13.3% per year) is forecast to grow faster than the Indian market (11.5% per year).
High Growth Revenue: 540777's revenue (13.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 540777's Return on Equity is forecast to be low in 3 years time (14.1%).
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How has HDFC Life Insurance performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 540777 has high quality earnings.
Growing Profit Margin: 540777's current net profit margins (2%) are higher than last year (1.9%).
Past Earnings Growth Analysis
Earnings Trend: 540777's earnings have grown by 3.6% per year over the past 5 years.
Accelerating Growth: 540777's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 540777 had negative earnings growth (-2.5%) over the past year, making it difficult to compare to the Insurance industry average (-8.1%).
Return on Equity
High ROE: 540777's Return on Equity (8.5%) is considered low.
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How is HDFC Life Insurance's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: 540777's short term assets (₹68.9B) do not cover its short term liabilities (₹69.5B).
Long Term Liabilities: 540777's short term assets (₹68.9B) do not cover its long term liabilities (₹2,081.7B).
Debt to Equity History and Analysis
Debt Level: 540777 has more cash than its total debt.
Reducing Debt: Insufficient data to determine if 540777's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: 540777's debt is well covered by operating cash flow (990.4%).
Interest Coverage: 540777's interest payments on its debt are well covered by EBIT (23.7x coverage).
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What is HDFC Life Insurance current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 540777's dividend (0.31%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.42%).
High Dividend: 540777's dividend (0.31%) is low compared to the top 25% of dividend payers in the Indian market (1.85%).
Stability and Growth of Payments
Stable Dividend: 540777 has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: 540777's dividend payments have increased, but the company has only paid a dividend for 5 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (26.2%), 540777's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (6.1%), 540777's dividend payments are thoroughly covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Vibha Padalkar (53 yo)
Ms. Vibha U. Padalkar serves as Managing Director and Chief Executive Officer of HDFC Life Insurance Company Ltd. (Formerly Known as HDFC Life Insurance Company Limited) since September 12, 2018 and served...
CEO Compensation Analysis
Compensation vs Market: Vibha's total compensation ($USD933.95K) is about average for companies of similar size in the Indian market ($USD1.24M).
Compensation vs Earnings: Vibha's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: 540777's management team is considered experienced (4.9 years average tenure).
Experienced Board: 540777's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 540777 insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4.5%.
HDFC Life Insurance Company Limited's employee growth, exchange listings and data sources
- Name: HDFC Life Insurance Company Limited
- Ticker: 540777
- Exchange: BSE
- Founded: 2000
- Industry: Life and Health Insurance
- Sector: Insurance
- Implied Market Cap: ₹1.143t
- Shares outstanding: 2.11b
- Website: https://www.hdfclife.com
Number of Employees
- HDFC Life Insurance Company Limited
- Lodha Excelus
- 13th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/30 00:00|
|End of Day Share Price||2022/06/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.